The electronic payments market, under the control and supervision of banking operators only, has been a petrified forest for almost 50 years. With the opening up to new operators, promoted by the new European banking regulation, fertile conditions have been found for a new era of banking and financial innovation, especially aimed at new payment instruments. The sage talks about it "Electronic payments: from barter to digital wallets”, written by Giulia Arangüena and Devid Jegerson for the goWare ebook series.
According to the book, on sale at the price of 9,99 euros, consumer behavior has also changed. The strong and continuous adoption of new technologies raises the bar of the user experience required by consumers and pushes operators to create new products that are increasingly innovative and equally easy to use. The objective of this essay is to describe and deepen the structure and rules of the market by detecting new and disruptive scenarios which are emerging in the world of payments, following the approval of the new European directive, as a result of the innovative action of the so-called Fintech.
