Mobile Payments, Consumer Policy, and the Law: A Comparative Analysis: Routledge Research in Finance and Banking Law
Autor Nwanneka Ezechukwuen Limba Engleză Hardback – 17 mar 2023
This book will be of interest to policymakers, regulators, industry stakeholders, students, and scholars interested in the regulation of innovative financial services, particularly from a consumer protection perspective.
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Specificații
ISBN-13: 9780367347062
ISBN-10: 0367347067
Pagini: 298
Dimensiuni: 156 x 234 x 18 mm
Greutate: 0.71 kg
Ediția:1
Editura: Taylor & Francis
Colecția Routledge
Seria Routledge Research in Finance and Banking Law
Locul publicării:Oxford, United Kingdom
ISBN-10: 0367347067
Pagini: 298
Dimensiuni: 156 x 234 x 18 mm
Greutate: 0.71 kg
Ediția:1
Editura: Taylor & Francis
Colecția Routledge
Seria Routledge Research in Finance and Banking Law
Locul publicării:Oxford, United Kingdom
Public țintă
PostgraduateCuprins
Preface
Acknowledgements
List of Abbreviations
Table of Legislation
List of Cases
1 Introduction
1.1 Setting the Context
1.2 The Scope of the Book
1.2.1 Why Mobile Payments?
1.2.2 Why Focus on Consumer Protection?
1.2.3 Why Canada, Kenya, and the United Kingdom?
1.3 Road Map: Navigating This Book
References
PART I
Mobile Payments and Consumer Protection – Contextual Analysis
2 Mobile Payments: Understanding the Service
2.1 Introduction
2.2 A Brief Note about Payment Services
2.3 Mobile Payments: Clarifying Key Terms
2.4 Mobile Payments: Understanding the Technology
2.5 Mobile Payments: Core Stakeholders and Business Models
2.6 Mobile Payments as an Additive Payment Service
2.7 Mobile Payments as a Transformative Payment Service
2.8 Conclusion
References
3 Consumer Protection and Mobile Payments: Why Intervene?
3.1 Introduction
3.2 Financial Services in Context
3.3 Economic Rationales for Regulatory Intervention
3.3.1 The Perfect Market
3.3.2 Market Realities
3.4 Non-Economic Rationales for Regulatory Intervention
3.4.1 Distributive Justice
3.4.2 Paternalism
3.4.3 Community Values
3.5 Conclusion
References
4 Consumer Policy Tools for Regulating Mobile Payments
4.1 Introduction
4.2 Provision of Information
4.2.1 Mandatory Disclosures
4.2.2 Consumer Education
4.3 Withdrawal Rights and Cooling-Off Periods
4.4 The Regulation of Business Conduct
4.4.1 Regulating Unfair Commercial Practices
4.4.2 Regulating Contract Terms
4.4.3 Regulating False and Misleading Information
4.5 Liability Rules
4.6 Dispute Resolution
4.6.1 Internal Dispute Resolution Procedures
4.6.2 External ADR Mechanisms
4.6.3 Financial Ombudsman Services
4.7 Conclusion
References
PART II
Mobile Payments and Consumer Protection – Country Studies
5 Consumer Protection and Mobile Payments: Canada
5.1 Introduction
5.2 Provision of Information
5.2.1 Mandatory Disclosures
5.2.2 Consumer Education
5.3 Withdrawal Rights and Cooling-Off Periods
5.4 The Regulation of Business Conduct
5.4.1 Regulating Unfair Commercial Practices
5.4.2 Regulating Contract Terms
5.4.3 Regulating False and Misleading Information
5.5 Liability Rules
5.6 Dispute Resolution
5.6.1 Internal Dispute Resolution Procedures
5.6.2 External ADR Mechanisms
5.7 Conclusion
References
6 Consumer Protection and Mobile Payments: Kenya
6.1 Introduction
6.2 Provision of Information
6.2.1 Mandatory Disclosures
6.2.2 Consumer Education
6.3 Withdrawal Rights and Cooling-Off Periods
6.4 The Regulation of Business Conduct
6.4.1 Regulating Unfair Commercial Practices
6.4.2 Regulating Contract Terms
6.4.3 Regulating False and Misleading Information
6.5 Liability Rules
6.6 Dispute Resolution
6.6.1 Internal Dispute Resolution Procedures
6.6.2 External ADR Mechanisms
6.7 Conclusion
References
7 Consumer Protection and Mobile Payments: The United Kingdom
7.1 Introduction
7.2 Provision of Information
7.2.1 Mandatory Disclosures
7.2.2 Consumer Education
7.3 Withdrawal Rights and Cooling-Off Periods
7.4 The Regulation of Business Conduct
7.4.1 Regulating Unfair Commercial Practices
7.4.2 Regulating Contract Terms
7.4.3 Regulating False and Misleading Information
7.5 Liability Rules
7.6 Dispute Resolution
7.6.1 Internal Dispute Resolution Procedures
7.6.2 External ADR Mechanisms
7.7 Conclusion
References
PART III
Mobile Payments and Consumer Protection – Conclusions and Best Practices
8 Conclusions
8.1 Introduction
8.2 Provision of Information
8.2.1 Mandatory Disclosures
8.2.2 Consumer Education
8.3 Withdrawal Rights and Cooling-Off Periods
8.4 The Regulation of Business Conduct
8.4.1 Regulating Unfair Commercial Practices
8.4.2 Regulating Contract Terms
8.4.3 Regulating False and Misleading Information
8.5 Liability Rules
8.6 Dispute Resolution
8.6.1 Internal Dispute Resolution Procedures
8.6.2 External ADR Mechanisms
8.7 Conclusion
References
Index
Acknowledgements
List of Abbreviations
Table of Legislation
List of Cases
1 Introduction
1.1 Setting the Context
1.2 The Scope of the Book
1.2.1 Why Mobile Payments?
1.2.2 Why Focus on Consumer Protection?
1.2.3 Why Canada, Kenya, and the United Kingdom?
1.3 Road Map: Navigating This Book
References
PART I
Mobile Payments and Consumer Protection – Contextual Analysis
2 Mobile Payments: Understanding the Service
2.1 Introduction
2.2 A Brief Note about Payment Services
2.3 Mobile Payments: Clarifying Key Terms
2.4 Mobile Payments: Understanding the Technology
2.5 Mobile Payments: Core Stakeholders and Business Models
2.6 Mobile Payments as an Additive Payment Service
2.7 Mobile Payments as a Transformative Payment Service
2.8 Conclusion
References
3 Consumer Protection and Mobile Payments: Why Intervene?
3.1 Introduction
3.2 Financial Services in Context
3.3 Economic Rationales for Regulatory Intervention
3.3.1 The Perfect Market
3.3.2 Market Realities
3.4 Non-Economic Rationales for Regulatory Intervention
3.4.1 Distributive Justice
3.4.2 Paternalism
3.4.3 Community Values
3.5 Conclusion
References
4 Consumer Policy Tools for Regulating Mobile Payments
4.1 Introduction
4.2 Provision of Information
4.2.1 Mandatory Disclosures
4.2.2 Consumer Education
4.3 Withdrawal Rights and Cooling-Off Periods
4.4 The Regulation of Business Conduct
4.4.1 Regulating Unfair Commercial Practices
4.4.2 Regulating Contract Terms
4.4.3 Regulating False and Misleading Information
4.5 Liability Rules
4.6 Dispute Resolution
4.6.1 Internal Dispute Resolution Procedures
4.6.2 External ADR Mechanisms
4.6.3 Financial Ombudsman Services
4.7 Conclusion
References
PART II
Mobile Payments and Consumer Protection – Country Studies
5 Consumer Protection and Mobile Payments: Canada
5.1 Introduction
5.2 Provision of Information
5.2.1 Mandatory Disclosures
5.2.2 Consumer Education
5.3 Withdrawal Rights and Cooling-Off Periods
5.4 The Regulation of Business Conduct
5.4.1 Regulating Unfair Commercial Practices
5.4.2 Regulating Contract Terms
5.4.3 Regulating False and Misleading Information
5.5 Liability Rules
5.6 Dispute Resolution
5.6.1 Internal Dispute Resolution Procedures
5.6.2 External ADR Mechanisms
5.7 Conclusion
References
6 Consumer Protection and Mobile Payments: Kenya
6.1 Introduction
6.2 Provision of Information
6.2.1 Mandatory Disclosures
6.2.2 Consumer Education
6.3 Withdrawal Rights and Cooling-Off Periods
6.4 The Regulation of Business Conduct
6.4.1 Regulating Unfair Commercial Practices
6.4.2 Regulating Contract Terms
6.4.3 Regulating False and Misleading Information
6.5 Liability Rules
6.6 Dispute Resolution
6.6.1 Internal Dispute Resolution Procedures
6.6.2 External ADR Mechanisms
6.7 Conclusion
References
7 Consumer Protection and Mobile Payments: The United Kingdom
7.1 Introduction
7.2 Provision of Information
7.2.1 Mandatory Disclosures
7.2.2 Consumer Education
7.3 Withdrawal Rights and Cooling-Off Periods
7.4 The Regulation of Business Conduct
7.4.1 Regulating Unfair Commercial Practices
7.4.2 Regulating Contract Terms
7.4.3 Regulating False and Misleading Information
7.5 Liability Rules
7.6 Dispute Resolution
7.6.1 Internal Dispute Resolution Procedures
7.6.2 External ADR Mechanisms
7.7 Conclusion
References
PART III
Mobile Payments and Consumer Protection – Conclusions and Best Practices
8 Conclusions
8.1 Introduction
8.2 Provision of Information
8.2.1 Mandatory Disclosures
8.2.2 Consumer Education
8.3 Withdrawal Rights and Cooling-Off Periods
8.4 The Regulation of Business Conduct
8.4.1 Regulating Unfair Commercial Practices
8.4.2 Regulating Contract Terms
8.4.3 Regulating False and Misleading Information
8.5 Liability Rules
8.6 Dispute Resolution
8.6.1 Internal Dispute Resolution Procedures
8.6.2 External ADR Mechanisms
8.7 Conclusion
References
Index
Notă biografică
Nwanneka V Ezechukwu is a lecturer at the School of Law, University of Sheffield, UK.
Descriere
Mobile technology offers an innovative and cost-effective channel for delivering a range of financial services, including mobile payments. In some jurisdictions, mobile payments simply provide a convenient option for facilitating payment transactions.