With the rise of online commerce platforms that host third-party retailers (such as Amazon Marketplace), an important question emerges: when these platforms facilitate the transfer of payments from buyers to sellers, do they effectively provide payment services that require a license?

The state relies on acquiring resources to fulfill its mission—for example, building infrastructure and operating schools, hospitals, police services, and a national defense. How should the state obtain these resources? Why do fiat currencies hold value? How does the collaboration between the state, the central bank, and the capital market actually function? Should a state aim for a balanced budget? (In Norwegian)

Payment services and concepts like 'bank account', bank deposit' and 'account transfer' are central to the Fintech industry. However, not much attention is paid to what actually happens, from a legal perspective, when an interbank account transfer takes place. In order to better understand these concepts, it is helpful to investigate the historical origins of the transferable bank deposit.

Fintech is a term used to describe the utilization of novel technologies to improve and automate financial services. The term is typically used when describing the growing number of startups that use new technologies to disrupt traditional providers of financial services by offering new financial products & services such as online banking, digital payments and online lending.

Payments today are almost exclusively electronic payments where funds are transferred from one bank account to another. What does actually happen when someone makes a payment? Are any physical assets transferred (bags of coins?), or, is it all just bookkeeping?