Кривошея Егор Артёмович Оценка эффективности межбанковской комиссии на российском рынке безналичных розничных платёжных услуг

Короткий опис

Кривошея Егор Артёмович Оценка эффективности межбанковской комиссии на российском рынке безналичных розничных платёжных услуг
ОГЛАВЛЕНИЕ ДИССЕРТАЦИИ
кандидат наук Кривошея Егор Артёмович
Table of contents

Introduction

Motivation

Literature review

Objectives of the research

Methodology

Contribution

Main findings

Approbation of results

Structure of the thesis

Publications

Chapter 1. Benefits of the retail payments card market: Evidence from Russian cardholders25

1.1. Introduction

1.2. Cardholders' benefits

1.2.1. Sources and potential determinants of the benefits of the individuals

1.3. Empirical set-up

1.3.1. Data

1.3.2. Method

1.3.2.1. Fixed benefits evaluation method

1.3.2.2. Variable benefits evaluation method

1.3.3. Statistic methods

1.4. Results

1.4.1. Fixed cardholders' benefits

1.4.2. Variable cardholders' benefits

1.5. Conclusion

Chapter 2. Benefits of the retail payments card market: Evidence from Russian merchants

2.1. Introduction

2.2. Sources and determinants of merchants' benefits

2.3. Empirical set-up

2.3.1. Data

2.3.2. Merchants' benefits evaluation method

3

2.3.3. Statistic method

2.4. Results

2.4.1. Total merchants' benefits

2.4.2. Opportunity merchants' benefits

2.4.3. Direct merchants' benefits

2.4.4. Robustness checks: alternative benefits estimations

2.5. Discussion and conclusion

Chapter 3. Evaluating Efficient Multilateral Interchange Fees: Evidence from End-User Benefits

3.1. Introduction

3.2. Theoretical framework

3.2.1. Related literature

3.2.1.1. Efficient vs. chosen MIF rates

3.2.1.2. Regulatory MIF cut effects & efficiency

3.2.1.3. MIF and regulatory efficiency criteria on functioning markets

3.2.2. Theoretical model and hypotheses

3.2.2.1. MIF identification model

3.2.2.2. Optimal regulation and socially efficient fees

3.3. Empirical set-up

3.3.1. Data

3.3.2. Surpluses estimation method and comparative statics

3.4. Results

3.4.1. Current MIF rates and preliminary efficiency assessment

3.4.2. The effect of changes on welfare

3.4.3. Regulatory initiatives assessment

3.5. Analysis under relaxed assumptions

3.5.1. Asymmetric interactions between different end-user groups

3.5.2. Direct benefits analysis

3.6. Extrapolation of results to contemporary Russian retail payments market

3.7. Conclusion

References