Anmerkungen:
Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments January 22, 2020 erstellt
Beschreibung:
Currently both in the field of finance, but especially in the payment system we are witnessing permanent challenges, given on the one hand by the technological solutions existing at the global level, and on the other hand as a result of the optimization of the processes at local level, respectively at the level of the final beneficiary. of the financial service. With this in mind, it is natural for us researchers to focus on the optimal model of innovation of the finance system, namely online/cash payments in the context of digitization. Therefore, as part of this paper, we propose on the one hand to present the determined factors in the digitization of finance, and on the other hand to present possible means of balancing the distribution of financial services to final consumers, based on existing initiatives at European level, especially at the level of the banking, online and non-banking payments system