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These firms include banks, non-bank credit card issuers and non-bank merchant acquirers, e-money issuers, etc.The PSRs created a new class of regulated firms known as payment institutions (PIs), who are subject to prudential requirements.With 668 million Internet users, China's online shopping sales reached 3 billion in the first half of 2015, accounting for 10% of total Chinese consumer retail sales in that period.In 2013, Brazil's e-commerce was growing quickly with retail e-commerce sales expected to grow at a double-digit pace through 2014.The UK implemented the PSD through the Payment Services Regulations 2009 (PSRs), which came into effect on 1 November 2009.The PSR affects firms providing payment services and their customers.Data integrity and security are pressing issues for electronic commerce.Aside from traditional e-commerce, the terms m-Commerce (mobile commerce) as well (around 2013) t-Commerce As of 2013, the Czech Republic was the European country where e-commerce delivers the biggest contribution to the enterprisesĀ“ total revenue.

Among emerging economies, China's e-commerce presence continues to expand every year.

The first category is business based on types of goods sold (involves everything from ordering "digital" content for immediate online consumption, to ordering conventional goods and services, to "meta" services to facilitate other types of electronic commerce).

The second category is based on the nature of the participant (B2B, B2C, C2B and C2 C); On the institutional level, big corporations and financial institutions use the internet to exchange financial data to facilitate domestic and international business.

APEC has an Electronic Commerce Steering Group as well as working on common privacy regulations throughout the APEC region.

In Australia, Trade is covered under Australian Treasury Guidelines for electronic commerce, was formerly the regulating authority for most aspects of the EU's Payment Services Directive (PSD), until its replacement in 2013 by the Prudential Regulation Authority and the Financial Conduct Authority.

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