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Bitcoin and Mobile Payments

E-BookPDF1 - PDF WatermarkE-Book
314 Seiten
Englisch
Palgrave Macmillan UKerschienen am25.07.20161st ed. 2016
This book provides a critical analysis of The European Union's regulatory framework for mobile payments and bitcoin. Chapters discuss the creation of the EU single market for e-payments and combine legal analysis with comparative case studies in their exploration of the regulatory challenges surrounding e-payments. The contributing authors analyse the key economic and legal issues of the development of bitcoin and mobile payments within the EU framework through a comparative lens. They cover topics ranging from user data and funds protection and the stability of the payment system to the competitiveness of the EU market.  Providing a comprehensive and methodological guide to the bitcoin and mobile payments in Europe, this book will prove an illuminating and informative read for academics, students and policy makers with an interest in the impact of innovation on payment systems.   


 


Gabriella Gimigliano holds a Ph.D. In banking law and law of financial markets and she is currently a lecturer in business law at the University of Siena, Italy.mehr
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E-BookPDF1 - PDF WatermarkE-Book
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Produkt

KlappentextThis book provides a critical analysis of The European Union's regulatory framework for mobile payments and bitcoin. Chapters discuss the creation of the EU single market for e-payments and combine legal analysis with comparative case studies in their exploration of the regulatory challenges surrounding e-payments. The contributing authors analyse the key economic and legal issues of the development of bitcoin and mobile payments within the EU framework through a comparative lens. They cover topics ranging from user data and funds protection and the stability of the payment system to the competitiveness of the EU market.  Providing a comprehensive and methodological guide to the bitcoin and mobile payments in Europe, this book will prove an illuminating and informative read for academics, students and policy makers with an interest in the impact of innovation on payment systems.   


 


Gabriella Gimigliano holds a Ph.D. In banking law and law of financial markets and she is currently a lecturer in business law at the University of Siena, Italy.
Details
Weitere ISBN/GTIN9781137575128
ProduktartE-Book
EinbandartE-Book
FormatPDF
Format Hinweis1 - PDF Watermark
FormatE107
Erscheinungsjahr2016
Erscheinungsdatum25.07.2016
Auflage1st ed. 2016
ReihePalgrave Studies in Financial Services Technology
Seiten314 Seiten
SpracheEnglisch
IllustrationenXXIX, 314 p.
Artikel-Nr.1988396
Rubriken
Genre9200

Inhalt/Kritik

Inhaltsverzeichnis
1;Preface;6
1.1;Approaching Mobile Payments and the Bitcoin within the EU Framework: Rationale and Aims of the Study;6
1.1.1;Rationale of the Study;6
1.1.2; Aims of the Study;12
1.1.3; About this Book;14
1.1.4;Reference;15
2;Acknowledgements;18
3;Contents;20
4;Contributors;24
5;List of Boxes;28
6;List of Tables;30
7;Part I: Institutional Strategies and Economic Background;31
7.1;1: The Regulatory Machine: An Institutional Approach to Innovative Payments in Europe;32
7.1.1; Introduction;33
7.1.2; The Debate on an Innovation-Friendly Regulatory Environment;33
7.1.3; The Institutional Strategies for the Development of the Market for Innovative Payments;37
7.1.3.1; Innovation and Competition;37
7.1.3.2; Innovation and Financial Integration: The SEPA Project;42
7.1.3.3; Innovation and Security;43
7.1.4; The Role of the Authorities;44
7.1.4.1; The EU Commission;45
7.1.4.2; The European Banking Authority;46
7.1.4.3; The ECB and the Eurosystem Role;49
7.1.5; Conclusions;52
7.1.6;References;53
7.2;2: Economic Issues on M-Payments and Bitcoin;55
7.2.1; Introduction;56
7.2.2; Issues on Mobile Payments;58
7.2.3; Issues on Bitcoin;63
7.2.4; How the Scheme Works;65
7.2.5; Why Use Bitcoins?;70
7.2.6; Perspectives and Criticism;73
7.2.7;References;77
8;Part II: The Framework: A European and Comparative Outline;80
8.1;3: Bit by Bit: Assessing the Legal Nature of Virtual Currencies;81
8.1.1; Introduction;82
8.1.2; Virtual Currencies and Money;85
8.1.3; Virtual Currencies and Electronic Money;87
8.1.4; Virtual Currencies and Complementary Currencies;88
8.1.5; Virtual Currencies and Payment Services;90
8.1.6; Bitcoins and Investment Contracts;92
8.1.7; Virtual Currencies and Taxation;94
8.1.8; Challenges for the Regulator;95
8.1.9;References;97
8.2;4: Mobilizing Payments Within the European Union Framework: A Legal Analysis;98
8.2.1; Introduction;99
8.2.2; The Self-Regulatory Approach and the Business Models;101
8.2.3; The Institutional Framework for Payment Services;105
8.2.3.1; M-Payments and Payment Services in the PSD;105
8.2.3.1.1; M-Payments and Payment Services in the (forthcoming) PSD2;109
8.2.3.2; M-Payments and the E-Money;110
8.2.4; Conclusions;112
8.2.5;References;113
8.3;5: A Fuzzy Set in the Legal Domain: Bitcoins According to US Legal Formants;114
8.3.1; Introduction;115
8.3.2; Cryptocurrencies and Virtual Currencies;116
8.3.3; National Regulatory Attempts and Reactions;119
8.3.4; The USA;124
8.3.4.1; US Courts Classificatory Attempts;127
8.3.4.2; US Potential Regulatory Frameworks for Bitcoins;132
8.3.4.3; Bitcoins: Currency or Commodity? The Legal Theory s Viewpoint;136
8.3.5; Conclusions;141
8.3.6;References;143
8.4;6: M-Payments: How Much Regulation Is Appropriate? Learning from the Global Experience;146
8.4.1; Introduction;147
8.4.2; Current Approaches to Regulate M-Payments: From Kenya to the USA;149
8.4.2.1; Kenya and the Developing Countries: When Innovation Precedes Legislation;149
8.4.2.2; M-Payments in the USA: A Legal and Regulatory Maze;152
8.4.3; Supporting an Enabling Regulatory Framework for M-Payments;155
8.4.4; Conclusions;164
8.4.5;References;166
9;Part III: The Challenges;168
9.1;7: Security Issues of New Innovative Payments and Their Regulatory Challenges;169
9.1.1; Introduction;170
9.1.2; Some Insights on the Security Issues of New Innovative Payments;173
9.1.2.1; M-Payments and New Security Risks;173
9.1.2.1.1; Security Risks of Mobile Devices;174
9.1.2.1.2; Security Risks of the Payment Platform;175
9.1.2.2; Bitcoin and the Vulnerability of Its Supporting Systems;176
9.1.2.2.1; Security Issues of the Peer-to-Peer System;177
9.1.2.2.2; Security Issues of the Supporting System;179
9.1.3; How Security Issues of New Innovative Payments Challenge the Existing Regulatory Frameworks;181
9.1.3.1; M-Payments: The Need for a More Proper Regulation;181
9.1.3.1.1; Adequate Security that Encourages the Usability of the System as Basic Requirement;182
9.1.3.1.2; Security Requirements Under the Existing Regulatory Framework;183
9.1.3.1.3;Sufficient Consumer Protection Provisions;184
9.1.3.2; Bitcoin from the Perspective of Consumer Protection: Why Merely a Warning Is Not Adequate;186
9.1.3.2.1;New Payment Method Not Covered by Regulation;187
9.1.3.2.2;Said the Most Secure, But Lost/Stolen and Breaches Keep Occurring;188
9.1.4; Do the Proposed Regulatory Frameworks Suffice? Elaboration on the Proposal of the PSD2 and the Way Forward;190
9.1.4.1; M-Payments Under the Proposal for Revision of the Payment Services Directive and Security Recommendation;190
9.1.4.1.1;Security Regulation Under the Proposal of the PSD2;191
9.1.4.1.2;Security Requirements Under the Proposed Recommendation;193
9.1.4.1.3;Consumer Protection Provisions Under the Proposal of the PSD2;194
9.1.4.1.4;Analysis of the Proposed Frameworks;194
9.1.4.2; The Proposed Directive on Network and Information Security (NIS) to Cater for Bitcoin Supporting Systems: Proposal to Regulate Bitcoin Exchange;195
9.1.4.2.1;Bitcoin Under the Proposal of the PSD2;195
9.1.4.2.2;Bitcoin Under the Proposed NIS Directive;196
9.1.5; Conclusion;198
9.1.6;References;200
9.2;8: EU Data Protection and Future Payment Services;204
9.2.1; Introduction;205
9.2.2; The Moving EU Data Protection Landscape;206
9.2.3; Data Protection for the New Payment Services Directive;209
9.2.4; Data Protection in the New Payment Services Directive;210
9.2.5; Missing Data Protection Safeguards;213
9.2.6; Minimizing Data Exchanges: A Real Privacy Measure;215
9.2.7; Mobile Payments in the Waiting Line;216
9.2.8; Mobile Payments and EU Data Protection;218
9.2.9; EU Data Protection and Alternative Currencies;220
9.2.10; Concluding Remarks;222
9.2.11;References;222
9.3;9: The Classification of Virtual Currencies and Mobile Payments in Terms of the Old and New European Anti-­Money Laundering Frameworks;225
9.3.1; Introduction;225
9.3.2; The Need for Regulation;227
9.3.2.1; Virtual Currencies;227
9.3.2.2; Mobile Payments;229
9.3.3; The Third Anti-Money Laundering Directive 2005/60/EC;232
9.3.3.1; The Material Scope;234
9.3.3.2; The Personal Scope;235
9.3.3.3; Customer Due Diligence and Reporting;238
9.3.4; The Fourth Anti-Money Laundering Directive (EU) 2015/849;240
9.3.4.1; The Broadened Scope;240
9.3.4.2; The New Risk-Based Approach;243
9.3.5; The Need for Further Integration of New Payment Methods into the Legal Framework;244
9.3.5.1; Virtual Currencies;245
9.3.5.2; Mobile Payments;248
9.3.6; Conclusion;249
9.3.7;References;251
9.4;10: Virtual Currencies, M-Payments and VAT: Ready for the Future?;253
9.4.1; An Introduction to Bitcoin;254
9.4.2; Currencies, Money and Bitcoins;255
9.4.3; An Introduction to EU VAT;256
9.4.4; Money, Payments and VAT;258
9.4.5; Paying with Bitcoins;260
9.4.6; The Case of David Hedqvist;262
9.4.7; The Exchange Service: Exempt?;265
9.4.8; Defining Bitcoin;267
9.4.9; Accepting Bitcoins as Payment;267
9.4.10; Creating Bitcoins Through Mining;268
9.4.11; Conclusions for Bitcoin;270
9.4.12; VAT and M-Payments;270
9.4.13;References;271
9.5;11: Mobile Payments and Merger Regulation: A Case Law Analysis;272
9.5.1; JV Telefónica, CaixaBank and Banco Santander (Case No. COMP/M. 6956);273
9.5.1.1; The Definition of the Relevant Markets;274
9.5.1.2; Antitrust Regulatory Concerns on Horizontal Assessment;275
9.5.1.3; Antitrust Regulatory Concerns on Non-Horizontal Assessment;275
9.5.1.4; The European Commission s Decision;277
9.5.2; JV Telefónica UK, Vodafone UK, Everything Everywhere (COMP/M. 6314);278
9.5.2.1; The Definition of the Relevant Markets;280
9.5.2.2; Antitrust Regulatory Concerns on Non-Horizontal Assessment;281
9.5.2.3; Antitrust Regulatory Concerns on Horizontal Assessment;283
9.5.2.4; The European Commission s Decision;284
9.5.3; Conclusions;284
9.5.4;References;288
10;Part IV: Conclusions;289
10.1;12: Mobile Payments and Bitcoin: Concluding Reflections on the Digital Upheaval in Payments;290
10.1.1; Introduction: Payment Mechanisms;291
10.1.2; Mobile Payments;296
10.1.3; Bitcoin;302
10.1.4; Conclusion;305
10.1.5;References;306
11;The Regulatory Challenges Ahead;307
12;Bibliography;310
13;Index;325mehr