出版社：Asociatia Generala a Economistilor din Romania - AGER
摘要：The retail payment services represent a key component of any European commercial bank operations, alongside other components like savings and deposits, consumer credit loans and mortgages. Taking into account the recent turmoil that has characterised the financial landscape of the European Union, it becomes interesting to investigate the role and the implications that the development and the modernization of retail payments has on the European banking system. The aim of this paper is to better understand current developments in European retail payment services by using a literature review in order to establish the current state of the researches undertaken in this field and to identify possible future trends regarding the innovation and development of these services using an empirical analysis.
关键词：innovation; integration; retail banking; retail payments; European banking system.
