Research Reports

04Nov
2011

The Single Euro Payments Area: New Alliances Required to Tip the Market

Published in: 
Research Reports
Author(s): 
Jürgen Bott

When it was originally proposed, the Single Euro Payments Area (SEPA) was hailed for its potential to contribute significantly to making Europe the most competitive and dynamic knowledge-driven economy by 2010.

04Nov
2011

The Payment Services Directive: Pitfalls between the Acquis Communautaire and National Implementation

Published in: 
Research Reports
Author(s): 
Maria Chiara Malaguti

The Payment Services Directive (PSD) was published in late 2007, constituting the legal basis for the Single Euro Payments Area (SEPA). The industry initiative launched on 28 January 2008 aims at replacing fragmented national markets for payment services with one integrated system.

04Nov
2011

Retail Loans and Basel II: Using Portfolio Segmentation to Reduce Capital Requirements

Published in: 
Research Reports
Author(s): 
Daniel Kaltofen, Stephan Paul, Stefan Stein

The key concept underlying the Basel II framework for risk measurement and corresponding equity capital standards is that the existing regulations pertaining to credit risk will be individualised through reference to the internal ratings of banks.

04Nov
2011

Efficiency of Consumer Credit Companies in the EU: A Cross-Country Frontier Analysis

Published in: 
Research Reports
Author(s): 
Laurent Weill

The aim of this work is to provide empirical elements on the performance of consumer credit companies in the European Union by applying efficiency frontier techniques. These techniques, widely applied in banking literature, provide sophisticated measures of performance – the efficiency scores.

04Nov
2011

EU Data Protection in the Context of Financial Services

Published in: 
Research Reports
Author(s): 
Alfredo Sousa de Jesus

This report was prepared by Alfredo Sousa de Jesus, Research Fellow at CEPS. The views expressed in this study are attributable only to the author in a personal capacity and not to any institution with which he is associated.

04Nov
2011

The Regulation of Financial Privacy: The United States vs Europe

Published in: 
Research Reports
Author(s): 
Nicola Jentzsch

This report was prepared by Nicola Jentzsch, Lecturer and Research Fellow with the John F. Kennedy Institute at the Freie Universität Berlin (jentzsch@zedat.fu-berlin.de). The views expressed in this study are attributable only to the author in a personal capacity and not to any institution with which she is associated.

04Nov
2011

Credit Bureaus in Today's Credit Markets

Published in: 
Research Reports
Author(s): 
Amparo San José Riestra

This report was prepared by Amparo San José Riestra, a CEPS Research Fellow in the ECRI programme (e-mail: amparo.sanjose@ceps.be).

04Nov
2011

Consumer Credit Legislation in the Central and East European Countries

Published in: 
Research Reports
Author(s): 
Krisztián Csáky, Judit Kerékgyártó

This report was prepared by Krisztián Csáky and Judit Kerékgyártó (e-mails: csaky.krisztian@pszaf.hu and kerekgyarto.judit@pszaf.hu). The authors are advisors at the International Affairs Department of the Hungarian Financial Supervisory Authority (HFSA). The views expressed in this study do not represent any official view of the HFSA or CEPS.

04Nov
2011

Consumer Credit Rates in the Eurozone: Evidence on the Emergence on a Single Retail Banking Market

Published in: 
Research Reports
Author(s): 
Stefanie Kleimeier, Harald Sander

This publication is the second in a series of ECRI Research Reports. It was prepared by Stefanie Kleimeier (s.kleimeier@berfin.unimaas.nl) of the Universiteit Maastricht – LIFE in the Netherlands and by Harald Sander (gh.sander@t-online.de) of the University of Applied Sciences in Cologne.

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