{"id":"https://openalex.org/W2106385305","doi":null,"title":"Promoting Integration of European Retail Payment Systems: Role of Competition, Cooperation and Regulation","display_name":"Promoting Integration of European Retail Payment Systems: Role of Competition, Cooperation and Regulation","publication_year":2006,"publication_date":"2006-01-01","ids":{"openalex":"https://openalex.org/W2106385305","mag":"2106385305"},"language":"en","primary_location":{"id":"mag:2106385305","doi":null,"is_oa":false,"landing_page_url":"http://www.suomenpankki.fi/fi/suomen_pankki/ajankohtaista/puheet/Documents/060504SSMalta_SUERF.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S2765047780","display_name":"Chapters in SUERF Studies","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Chapters in SUERF Studies","raw_type":null},"volume":null,"type":"article","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5013125065","display_name":"Kari Kemppainen","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Kari Kemppainen","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5030181842","display_name":"Sinikka Salo","orcid":"https://orcid.org/0009-0000-2872-0470","observed_orcids":["https://orcid.org/0009-0000-2872-0470"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Sinikka Salo","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0009-0000-2872-0470","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":7.1096,"has_fulltext":false,"cited_by_count":9,"citation_normalized_percentile":{"value":0.96575999,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":93},"biblio":{"volume":null,"issue":null,"first_page":"59","last_page":"89"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11437","display_name":"Digital Platforms and Economics","score":0.8999000191688538,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11437","display_name":"Digital Platforms and Economics","score":0.8999000191688538,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.01679999940097332,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11043","display_name":"Merger and Competition Analysis","score":0.016200000420212746,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/retail-payment-systems","display_name":"retail payment systems","score":0.9120000004768372},{"id":"https://openalex.org/keywords/payment-integration","display_name":"payment integration","score":0.9470000267028809},{"id":"https://openalex.org/keywords/network-economics","display_name":"network economics","score":0.6899999976158142},{"id":"https://openalex.org/keywords/payment-system-regulation","display_name":"payment system regulation","score":0.9679999947547913},{"id":"https://openalex.org/keywords/interoperability","display_name":"interoperability","score":0.9190000295639038},{"id":"https://openalex.org/keywords/standardization","display_name":"standardization","score":0.6700000166893005},{"id":"https://openalex.org/keywords/contestable-markets","display_name":"contestable markets","score":0.7239999771118164},{"id":"https://openalex.org/keywords/dynamic-efficiency","display_name":"dynamic efficiency","score":0.8539999723434448},{"id":"https://openalex.org/keywords/innovation-incentives","display_name":"innovation incentives","score":0.8240000009536743},{"id":"https://openalex.org/keywords/single-euro-payments-area","display_name":"Single Euro Payments Area","score":0.9010000228881836},{"id":"https://openalex.org/keywords/euro-area","display_name":"euro area","score":0.6100000143051147}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6210095286369324},{"id":"https://openalex.org/C91306197","wikidata":"https://www.wikidata.org/wiki/Q45767","display_name":"Competition (biology)","level":2,"score":0.620337963104248},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.5907381772994995},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5834919214248657},{"id":"https://openalex.org/C2776983043","wikidata":"https://www.wikidata.org/wiki/Q986008","display_name":"Payment system","level":3,"score":0.580568253993988},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.5695837736129761},{"id":"https://openalex.org/C20136886","wikidata":"https://www.wikidata.org/wiki/Q749647","display_name":"Interoperability","level":2,"score":0.4811500310897827},{"id":"https://openalex.org/C29122968","wikidata":"https://www.wikidata.org/wiki/Q1414816","display_name":"Incentive","level":2,"score":0.4669184684753418},{"id":"https://openalex.org/C2777926032","wikidata":"https://www.wikidata.org/wiki/Q649124","display_name":"Network economics","level":2,"score":0.4630598723888397},{"id":"https://openalex.org/C134697681","wikidata":"https://www.wikidata.org/wiki/Q1609677","display_name":"Clearing","level":2,"score":0.4514521360397339},{"id":"https://openalex.org/C2779928471","wikidata":"https://www.wikidata.org/wiki/Q2513555","display_name":"Level playing field","level":2,"score":0.43143796920776367},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.3659088611602783},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3122563362121582},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29721909761428833},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.16964083909988403},{"id":"https://openalex.org/C136264566","wikidata":"https://www.wikidata.org/wiki/Q159810","display_name":"Economy","level":1,"score":0.11177206039428711},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.0},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"mag:2106385305","doi":null,"is_oa":false,"landing_page_url":"http://www.suomenpankki.fi/fi/suomen_pankki/ajankohtaista/puheet/Documents/060504SSMalta_SUERF.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S2765047780","display_name":"Chapters in SUERF Studies","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["cwts-core"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Chapters in SUERF Studies","raw_type":null},{"id":"mag:3123591708","doi":null,"is_oa":false,"landing_page_url":"http://econpapers.repec.org/bookchap/erferfssc/43-3.htm","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":14,"referenced_works":["https://openalex.org/W1507332316","https://openalex.org/W1583839029","https://openalex.org/W1598833883","https://openalex.org/W1969142672","https://openalex.org/W2129284162","https://openalex.org/W2172169275","https://openalex.org/W2209392779","https://openalex.org/W2324981569","https://openalex.org/W3021750248","https://openalex.org/W3024317031","https://openalex.org/W3121344304","https://openalex.org/W3123848698","https://openalex.org/W3124694287","https://openalex.org/W3145972008"],"related_works":["https://openalex.org/W2129284162","https://openalex.org/W4400991495","https://openalex.org/W4400991331","https://openalex.org/W1558670999","https://openalex.org/W2574884589","https://openalex.org/W3121147067","https://openalex.org/W4415269083","https://openalex.org/W4400992408","https://openalex.org/W4402190370","https://openalex.org/W2117024450"],"abstract_inverted_index":{"The":[0,44,103],"present":[1,45],"retail":[2,39,72,100,197],"payments":[3],"clearing":[4],"and":[5,12,131,174,205],"settlement":[6],"infrastructure":[7],"in":[8,25,79,99,134,158,194,210],"both":[9],"the":[10,13,31,34,37,59,68,71,88,95,107,111,135,145,152,155,159,164,178,190,195,203,211,216],"EU":[11],"euro":[14],"area":[15],"is":[16,22,65,92,109,118],"still":[17],"very":[18],"fragmented.":[19],"Therefore,":[20],"it":[21],"understandable":[23],"that,":[24],"recent":[26],"years,":[27],"a":[28,121,187],"debate":[29,52],"on":[30,67],"sluggishness":[32],"of":[33,36,61,106,114,137,154,207,214],"integration":[35],"European":[38,196],"payment":[40,73,101,115,146,198],"systems":[41,199],"has":[42,76],"emerged.":[43],"paper":[46,108,191],"aims":[47,206],"at":[48,186],"contributing":[49],"to":[50,94,119,168,182],"this":[51],"by":[53],"drawing":[54],"some":[55],"policy":[56,184],"lessons":[57],"from":[58],"theory":[60],"network":[62,83],"economics.":[63],"This":[64],"justifiable":[66],"grounds":[69],"that":[70,110],"industry":[74],"inherently":[75],"many":[77],"characteristics":[78],"common":[80],"with":[81],"other":[82],"industries,":[84],"like":[85],"telecommunications.":[86],"In":[87,180],"paper,":[89],"special":[90],"emphasis":[91],"devoted":[93],"important":[96],"competition-cooperation":[97],"nexus":[98],"systems.":[102],"main":[104],"message":[105],"fundamental":[112],"role":[113],"system":[116,147],"regulators":[117,165],"provide":[120],"level":[122],"playing":[123],"field":[124],"for":[125,144,172,177],"different":[126,208],"service":[127],"providers.":[128],"Moreover,":[129],"compatibility":[130],"interoperability,":[132],"e.g.":[133],"form":[136],"commonly":[138],"adopted":[139],"standards,":[140],"are":[141],"key":[142],"requirements":[143],"efficiency,":[148,163],"as":[149,200,202],"they":[150],"facilitate":[151],"contestability":[153],"market":[156],"(competition":[157,176],"market).":[160,179],"Regarding":[161],"dynamic":[162],"also":[166],"need":[167],"ensure":[169],"adequate":[170],"incentives":[171],"innovation":[173],"investment":[175],"addition":[181],"discussing":[183],"issues":[185],"general":[188],"level,":[189],"analyses":[192],"developments":[193],"well":[201],"roles":[204],"stakeholders":[209],"current":[212],"process":[213],"building":[215],"Single":[217],"Euro":[218],"Payments":[219],"Area":[220],"(SEPA).":[221]},"counts_by_year":[{"year":2014,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
