Mobile Payments, Consumer Policy, and the Law
portes grátis
Mobile Payments, Consumer Policy, and the Law
A Comparative Analysis
Ezechukwu, Nwanneka
Taylor & Francis Ltd
10/2024
280
Mole
9781032454450
15 a 20 dias
Descrição não disponível.
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
Este título pertence ao(s) assunto(s) indicados(s). Para ver outros títulos clique no assunto desejado.
Unfair Commercial Practices;Liability Rules;PSPs;Mobile Payments;Unauthorised Transactions;Unfair Terms;Unfair Practices;Payment Services;Payment Instrument;Payment Transaction;Financial Consumer Protection;Misleading Omissions;Vice Versa;Internal Dispute Resolution;Consumer Protection;Financial Inclusion;Transactional Decision;NFC Technology;Mobile Financial Services;Financial Services Providers;WIM;Mandatory Disclosures;Retail Payment;Soft Paternalism;Misleading Actions
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
Este título pertence ao(s) assunto(s) indicados(s). Para ver outros títulos clique no assunto desejado.
Unfair Commercial Practices;Liability Rules;PSPs;Mobile Payments;Unauthorised Transactions;Unfair Terms;Unfair Practices;Payment Services;Payment Instrument;Payment Transaction;Financial Consumer Protection;Misleading Omissions;Vice Versa;Internal Dispute Resolution;Consumer Protection;Financial Inclusion;Transactional Decision;NFC Technology;Mobile Financial Services;Financial Services Providers;WIM;Mandatory Disclosures;Retail Payment;Soft Paternalism;Misleading Actions
