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E-payments in Europe - the Eurosystem's perspective

E-payments in Europe - the Eurosystem's perspective

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This paper presents a first comprehensive investigation by the European Central Bank into retail e-payments.

The Eurosystem is now starting to define its policies concerning e-payments and has issued this paper with the aim of initiating a dialogue with the market on future progress.
The document provides an overview of the main initiatives and developments in the field of e-payments in Europe, and evaluates possible implications of these developments for the payment system policies of the Eurosystem. The report is divided into five sections. Section 2 elaborates on market initiatives regarding e-payments. Section 3 briefly describes the legal framework and Section 4 discusses technical security. Section 5 concludes with policy considerations.

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