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Unpublished Paper
E-COMMERCE AND ELECTRONIC PAYMENT SYSTEM RISKS: LESSONS FROM PAYPAL
ExpressO (2014)
  • Lawrence J. Trautman
Abstract
What are the major risks perceived by those engaged in e-commerce and electronic payment systems? What development risks, if they become reality, may cause substantial increases in operating costs or threaten the very survival of the enterprise? This article utilizes the relevant annual report disclosures from eBay (parent of PayPal), along with other eBay and PayPal documents, as a potentially powerful teaching device. Most of the descriptive language to follow is excerpted directly from eBay’s regulatory filings. My additions include weaving these materials into a logical presentation and providing supplemental sources for those who desire a deeper look (usually in my footnotes) at any particular aspect. I’ve sought to present a roadmap with these materials that shows eBay’s struggle to optimize its business performance while navigating through a complicated maze of regulatory compliance concerns and issues involving governmental jurisdictions throughout the world. Hopefully, this will prove of value to those either interested in the rapidly changing dynamics of (1) electronic payment systems, or (2) those engaged in Internet site operations.
Keywords
  • commercial law,
  • computer crime,
  • consumer protection,
  • corporate governance,
  • cybercrime,
  • cyber terrorism,
  • eBay,
  • e-commerce,
  • disclosure,
  • electronic payments,
  • internet payment,
  • law and technology,
  • mobile payment systems,
  • money transmitter laws,
  • payment systems,
  • PayPal,
  • risk,
  • securities regulation
Publication Date
June 3, 2014
Citation Information
Lawrence J. Trautman. "E-COMMERCE AND ELECTRONIC PAYMENT SYSTEM RISKS: LESSONS FROM PAYPAL" ExpressO (2014)
Available at: http://works.bepress.com/lawrence_trautman/21/