A European debate over measures ostensibly to fully achieve a single market for electronic communications across the EU was brought to a head by the European Commission's 2013 proposed Telecoms Single Market (TSM) legislative package. The Commission apparently hoped to achieve a Single European...

In this paper we analyze the risks the European Telecom market is experiencing. Many economic disincentives to investing in infrastructure are related to the fact that market value of the companies can be lower than expected. Next Generation Networks (NGN) deployment require great amounts of...

In its Digital Single Market (DSM) strategy, the European Commission has rightly noted the importance of lowering the price paid for basic cross-border delivery by consumers and by small and medium size retail shippers. Consumers and SMEs may have few alternatives to the National Postal...

Internet of Things (IoT) depicts a world of networked smart objects, including cars, refrigerators, health care services, wearable devices, etc. which mark a distinctive revolution in digital world. In order for this revolution to realise a certain level of interoperability and standardisation...

In more than 130 years, the cooperative banks and rural banks, have become a best practice, widespread in all the Italian regions so as to become, through Federcasse, a federal system included among the 130 European banks, referents ECB. A model that today has about 400 local banks and that,...

The use of artificial intelligence (AI) based systems complements the time-sensitive and data intensive nature of many activities in the financial services industry (FSI)-Specifically, in FinTech Ecosystems (FEs) that have disrupted many financial services landscapes in sub-Saharan Africa (SSA)....

The first goal of Sustainable Development Goals (SDGs) is the absence of poverty to be achieved by 2030. Thus, access to and usage of financial services play an important role in achieving this, where ICT and digital technologies are the main tools, that describe it as a digital financial...

The growing popularity of fintechs has led the Financial Stability Board (FSB) to publish considerations about the effects of this emerging industry on stability and efficiency in the financial sector. Against this background, this paper compares the effects of competition and collaboration...

Mobile Money (MM) services are growing very fast in the developing countries as an important tool for the financial inclusion. Many critical challenges surrounds mobile money services adoption with the most important challenges to improve the service quality, attract and retain more customers,...

Most of the European countries risk not reaching the 2020 Digital Agenda for Europe (DAE) targets. In order to achieve these targets, private investments in ultra-broadband networks should be vigorously promoted by access regulation whilst the deployment of ultra-broadband networks in...