Elektroniczne instrumenty płatnicze – tendencje rozwojowe

In the article, the author points to an interesting aspect of e-business models development – namely „intercepting” the value of new technologies and the ability to „unblock” the hidden (potential) values brought by technology. The paper describes the development of consumer finance services and discusses so called two- or multi-sided markets. In addition, the author presents three areas of innovation in retail payment: innovative payment instruments, canals and manners of payment as well as innovative forms of money.