Comparative Analysis of Mobile Payments in the European Union

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Executive Summary

Recently, due to the strong penetration of the information technologies into the society, the number of small payments in the electronic environment has increased. The mobile phone is an integral part of many people's everyday life, and as a consequence, payments via the mobile phone become more and more widespread. This is both a new way of payment and a new solution for the intellectual economy. The regulation of mobile payments in the EU is still being implemented. European Commission's consultation of 2004 clarifies the distinction between mobile payments and e-money and their interrelation.

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