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ID:454666
大小:93.00 KB
页数:9页
时间:2017-08-04
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1、外文翻译原文PricingofcardpaymentservicesinScandinavianbankingMaterialSource:http://www.informaworld.com/Author:MagnusWillesonAbstractPricingofcardpaymentservicesincludesmanyconsiderationsofcostandrevenueinanenvironmentofchangingpaymenttechnology,networkeffectsintwo-sidedmarketsandpricebun
2、dling.ThispaperdescribestheconsumerpricingmethodsforcardpaymentservicesbyScandinavianbanksandevaluatestheirexplicitpricingmethods.ThemainfindingssuggestthatScandinavianbanksingeneralaremoreinterestedinearningrevenuefromimplicitpricesthaninencouragingtheuseofmorecostefficienttechnolo
3、gybychargingexplicittransactionfees.However,thepricingmethodsappliedmayvary,dependingonthecountryandabank’sservicesupply.Keywords:paymentpricing;debitcard;creditcard;banking;ScandinaviaIntroductionThispaperprovidesanoverviewofwhichpricingmethodsScandinaviancommercialbanksapplyoncard
4、paymentservicestoconsumercustomers.Inaddition,itdistinguisheslikelyreasonsforwhytheScandinavianbankssetpricesdifferentlydependingontheenvironmentinwhichtheyoperate.Therearetwoempiricalresearchquestions:.Question1:WhatpricingmethodsdoScandinavianbanksapplyoncardpaymentservicestoconsu
5、mercustomers?.Question2:HowcanthevaryingenvironmentsinwhichScandinavianbanksoperateexplainthevariationsinpricingmethodsapplied?PricingmethodsappliedbyScandinavianbanksforcardpaymentsThefollowingsectionsprovideanoverviewofhowScandinavianbankspricethecardpaymentservicestheyofferconsum
6、ers.Thesurveyfocusesonthebanks’explicitprices,asimplicitpricesarelesstransparentandhardtoidentifyanddistinguishinpractice.IthasbeenoperationalisedthroughacollectionofpricingdatafromthecardpaymentservicesatScandinavianbanks.6Scandinavianbanksarerepresentativesforbankswherealargeshare
7、ofelectronictechnologiesinpaymentmethodsareimplementedandthereforehavearelativelylongtraditionofelectronicpaymentpricing.ScandinavianbanksandtheircardpaymentservicesAScandinavianbankmaybeacommercialbank,asavingsbankoracooperativebank.Allareinvolvedinthepaymentsystemsdescribedinthisp
8、aper.Fromasharehold
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