Transforming Payment Systems in Europe

Dedication
Introduction
1. A Market for Payments: Payment Choice in the 21st Century Digital Economy: Jürgen Bott and Udo Milkau
2. Europe: The Shift from Cash to Non-Cash Transactions in Europe: Janina Harasim
3. Could 'Nudges' Steer Us Towards a Less-Cash Society? : Leo Van Hove
4. Cash Holdings in Germany and the Demand for "German" Banknotes: What Role is there for Cashless Payments? : Franz Seitz and Nikolaus Bartzsch
5. Regulating Interchange Fees for Card Payments: Nicole Jonker
6. IBANs or IPANs? Creating a Level Playing Field between Bank and Non-Bank Payment Service Providers: Jakub Górka
7. Mobile Payments: The Second Wave: Malte Krüger
8. Decentralised Blockchained and Centralised Real-Time Payment Ledgers: Development Trends and Basic Requirements: Harry Leinonen