文章基本信息

标题：Digitization of Retail Payments
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作者：Wilko Bolt ; Sujit Chakravorti
期刊名称：DNB Working Papers / De Nederlandsche Bank
出版年度：2010
卷号：1
出版社：De Nederlandsche Bank
摘要：The rapid proliferation of electronic payment media continues to change the way consumers shop and merchants sell goods and services. Many policymakers and economists agree that the digitization of payments is socially beneficial. However, there is considerable debate regarding the optimal pricing of these payment services. Payment markets are complex with many participants engaging in a series of interrelated bilateral relations and transactions. In this article, we survey the recent payment literature, identify the main economic bottlenecks, and study their implications for public policy
关键词：retail financial services, electronic payments, pricing, public policy.