斯堪的纳维亚地区银行的银行卡服务收费定价【外文翻译】

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1、外文翻译原文PricingofcardpaymentservicesinScandinavianbankingMaterialSource:http://www.informaworld.com/Author:MagnusWillesonAbstractPricingofcardpaymentservicesincludesmanyconsiderationsofcostandrevenueinanenvironmentofchangingpaymenttechnology,networkeffectsintwo-sidedmarketsandpricebun

2、dling.ThispaperdescribestheconsumerpricingmethodsforcardpaymentservicesbyScandinavianbanksandevaluatestheirexplicitpricingmethods.ThemainfindingssuggestthatScandinavianbanksingeneralaremoreinterestedinearningrevenuefromimplicitpricesthaninencouragingtheuseofmorecostefficienttechnolo

3、gybychargingexplicittransactionfees.However,thepricingmethodsappliedmayvary,dependingonthecountryandabank’sservicesupply.Keywords:paymentpricing;debitcard;creditcard;banking;ScandinaviaIntroductionThispaperprovidesanoverviewofwhichpricingmethodsScandinaviancommercialbanksapplyoncard

4、paymentservicestoconsumercustomers.Inaddition,itdistinguisheslikelyreasonsforwhytheScandinavianbankssetpricesdifferentlydependingontheenvironmentinwhichtheyoperate.Therearetwoempiricalresearchquestions:.Question1:WhatpricingmethodsdoScandinavianbanksapplyoncardpaymentservicestoconsu

5、mercustomers?.Question2:HowcanthevaryingenvironmentsinwhichScandinavianbanksoperateexplainthevariationsinpricingmethodsapplied?PricingmethodsappliedbyScandinavianbanksforcardpaymentsThefollowingsectionsprovideanoverviewofhowScandinavianbankspricethecardpaymentservicestheyofferconsum

6、ers.Thesurveyfocusesonthebanks’explicitprices,asimplicitpricesarelesstransparentandhardtoidentifyanddistinguishinpractice.IthasbeenoperationalisedthroughacollectionofpricingdatafromthecardpaymentservicesatScandinavianbanks.6Scandinavianbanksarerepresentativesforbankswherealargeshare

7、ofelectronictechnologiesinpaymentmethodsareimplementedandthereforehavearelativelylongtraditionofelectronicpaymentpricing.ScandinavianbanksandtheircardpaymentservicesAScandinavianbankmaybeacommercialbank,asavingsbankoracooperativebank.Allareinvolvedinthepaymentsystemsdescribedinthisp

8、aper.Fromasharehold