Brief Considerations on the ãBehaviourÓ of Professional Traders and Consumers in the Context of the Shift from Brick-And-Mortar to E-commerce. Union and Transposition Regulations

The way in which goods and services are marketed in the European Union is in a continuous process of change and this fact has different implications in all investment levels. Given that citizens, as consumers as well as professional traders from the European Union, are increasingly active on markets outside their country of origin (acting as international investors), the possibility of resorting to electronic payments greatly simplifies their current activity. That is why this article deals with the specific problems that appear closely interconnected by the most modern aspects with an impact on the cross-border investment environment. As a result, the Green Paper of the European Commission entitled "Towards an integrated European market for card, internet and mobile payments" notes the increasing proportion of online or internet payments (electronic payments) and payments from the mobile phone. The present scientific study aims to highlight the main advantages conferred by the presence of electronic payments on the markets of the member states among which we mention: many possibilities for consumers and professional traders to choose those tools and those providers that best meet their needs; it gives more innovation, thus generating an integrated market in this respect and last but not least the increased security of payments and more trust from customers. The scientific material also notes that this innovative payment system has also disadvantages, among which we mention the activities included in the scope of crimes, committed in the case of non-cash payment transactions carried out with any kind of payment instrument, whether physical, such as bank cards, whether virtual, such as payments through a mobile payment application. So, for a good understanding of the criminal phenomenon, the study approaches the union and transposition legislation in the matter.