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Stored value systems are the most recent form of electronic payment technology. They are meant to coexist with credit and
debit technology, by primarily targeting the low value area of the transaction market. Being targeted at low value transactions,
they are designed to have very low transaction cost.
Stored value systems rely on creating a form of electronic value, on smart cards or as computer files. Such value can be bought
(withdrawn) at any one time, and spent in arbitrary fractions at later times. When the technology emerged for its first implementations
in the first half of the 1990s, it was much celebrated as a replacement for cash with many benefits over existing payment
technologies.
Many of these systems have subsequently been set up as trials, and the commercial rollout of some systems has started. However,
actual usage of stored value systems is still low, much lower than was expected by the operators of the systems. Several years
after the first trials were implemented, it is still unclear whether and when they will play a relevant role in the payments
system market. And none of the trials that have been run can be considered a commercial success. This makes it necessary not
only to assess the technology, but also the commercial future and user uptake of these systems.
This revised version was published online in June 2006 with corrections to the Cover Date. 相似文献
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