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Journal articles on the topic 'B2C mobile payments'
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Downs, John, and Cherie Rains. "B2B Adoption of Mobile Payment Systems: Manager Insights Using a Qualitative Approach." Southeast Business Research Association Journal 2, no. 1 (2023): 80–92. http://dx.doi.org/10.54155/3h9aej91.
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Mobile payments have become one of the most disruptive financial instruments in the B2C (Business-to-Consumer) market this decade by revolutionizing the consumer shopping experience. Despite the technology’s success in the B2C model, it has not brought a similar adoption experience for B2B (Business-to-Business) applications. Research in this area has been limited to identifying the resistance to adoption in the B2B environment. This exploratory research identified that while barriers exist, there are opportunities to increase the adoption of mobile payment technologies within B2B organizations. There is a large amount of misinformation about the processes associated with adoption that need further investigation. The application of the technology could flow naturally into the B2B sector, but internal organizational struggles could prevent exploring the options. The future of adoption may instead rest on the concept of “reverse adoption,” whereby clients would need to request mobile payment options, otherwise, investments in the technology would not be considered by the organization.
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Firmansyah, Agung, Muhammad Ilman Akbar, Mursal Rais, Mustafa Kamal, and Putu Wuri Handayani. "PENGEMBANGAN ALTERNATIF MODEL E-PAYMENT B2C (BUSINESS TO CONSUMER) UNTUK MASYARAKAT INDONESIA." Jurnal Sistem Informasi 5, no. 1 (2012): 42. http://dx.doi.org/10.21609/jsi.v5i1.261.
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Saat ini, perkembangan aplikasi e-commerce di Indonesia khususnya aplikasi B2C (Business to Consumer) semakin meningkat. Salah satu komponen penting dalam proses jual beli secara online adalah proses pembayaran elektronik (e-payment). Penelitian ini bertujuan untuk mengembangkan empat model pembayaran elektronik berdasarkan kondisi ekonomi, keamanan, tingkat pendidikan, akses teknologi, pengguna telepon seluler dan pengguna kartu kredit dan ATM di Indonesia. Model pembayaran tersebut yaitu ATMPal, iCash, Pulsa E-payment dan Mobile Banking. Selain itu, dalam penelitian ini akan ditentukan peringkat kesesuaian untuk masing-masing model pembayaran tersebut dengan kondisi di Indonesia. Nowadays, the development of e-commerce applications in Indonesia, especially the application for B2C (Business to Consumer) is increasing. An important component in the process of online buying and selling is the electronic payment (e-payment). This research aims to develop four models of electronic payments based on economic conditions, safety, education level, access to technology, cell phone users, and credit cards and ATMs users in Indonesia. The payment model is ATMPal, iCash, Toll E-payment, and Mobile Banking. Moreover, this research will determined to rank the suitability of each such payment model to the conditions in Indonesia.
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Abbasov, A. M., Z. F. Mamedov, and S. A. Aliev. "Digitalization of the Banking Sector: New Challenges and Prospects." Economics and Management, no. 6 (August 28, 2019): 81–89. http://dx.doi.org/10.35854/1998-1627-2019-6-81-89.
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The presented study examines the digital banking model in the context of globalization.Aim. The study aims to analyze the nature and current state of digital banking and to determine perspective directions for its development in Azerbaijan.Tasks. The authors examine the major trends in the development of digital banking, determine its classification relative to the Russian digital banking market, and identify perspective directions for its development in Azerbaijan.Methods. This study uses general scientific methods of cognition to examine in various aspects the models of development, its trends, characteristic features, and perspective directions in Azerbaijan. Results. The progress of both Internet banking and mobile banking is closely associated with e-commerce. Out of 30 banks operating in Azerbaijan, 27 use Internet banking and 25 use mobile banking. At this point, 25% of current account transactions in Azerbaijani banks are conducted via electronic payments. According to the UNCTAD B2C E-commerce Index, Azerbaijan ranks 68th among 144 countries in terms of e-commerce development. Therefore, the most important strategic priorities for the country include improving the variety, quality, and services in the field of digital payments by consolidating the institutional and legal framework of these services, increasing the infrastructure capacity, and facilitating mass use. Expanding the scope of application of digital payments in the context of transparent economic transactions would reduce the costs associated with cash and operating losses of banks and institutions, which would in turn open up new opportunities for modern financial services, thus enhancing economic growth.Conclusions. Development of digital banking is a path toward economic transparency, shrinking of the underground economy, and an increase in tax revenues, the number of jobs, and GDP. The Central Bank of Azerbaijan (CBA) is taking systemic measures aimed at expanding the digital transformation of the banking service and payment system. The implementation and development of innovative banking products should be reflected in the strategy of every bank. Digitalization could become one of the forces driving the development of the baking system and increase the level of trust between depositors and banks, making this sector more transparent. However, there is one major obstacle: a lack of understanding that business should be urgently transformed using digital technology.
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VLASENKO, Tetiana. "THE IMPACT OF DIGITAL TRANSFORMATION ON DIFFERENT TYPES OF E-COMMERCE." Bulletin of East European University of Economics and Management, no. 2(32) (2024): 228–38. https://doi.org/10.58253/2078-1628-2024-2(32)-017.
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This article is dedicated to examining the impact of digital transformation on various types of e-commerce. The principles of functioning of different types of e-commerce, such as B2B, B2C, C2C, C2B, B2A, C2A, A2C, M-commerce, S-commerce, and E2E, are analyzed, with each having its unique characteristics and functions in the digital environment. It was found that these models of interaction between businesses, consumers, and the government stimulate innovation, provide convenience and accessibility in trading operations, and create new opportunities for the development of the digital economy. It was discovered that in B2B e-commerce, digital technologies, such as ERP systems, electronic procurement platforms, and CRM systems, ensure the integration and automation of business processes, leading to cost reduction, faster deals, and improved interaction between businesses. In B2C e-commerce, digital transformation focuses on creating convenient and functional online stores with integrated payment systems, using platforms for targeted advertising, and automating content through management systems. The C2C model has developed through the use of online platforms that facilitate secure exchanges of goods and services between consumers. Platforms like OLX and eBay integrate tools for securing transactions and use blockchain technology to ensure transparency and security. C2B is also evolving with the implementation of freelance platforms, allowing consumers to directly offer their services to businesses. B2G and G2C are transforming due to digital solutions, with platforms for electronic procurement and e-government systems like Diya making government services more accessible and convenient. In mobile commerce (M-commerce), digital technologies enable purchasing through mobile devices using apps and payment systems, providing convenience for users anytime and anywhere. In social commerce (S-commerce), digital transformation allows brands to directly interact with target audiences through social media, using targeted advertising and analytical tools to optimize marketing campaigns. E2E is evolving with the automation and use of exchange platforms, machine learning algorithms, and transaction automation technologies, significantly increasing the efficiency of such processes. The research shows that digital transformation not only improves the convenience and accessibility of various types of commerce but also optimizes business processes, reduces costs, enhances transaction security, and promotes the development of new interaction models among market participants. Keywords: e-commerce, types of e-commerce, digital transformation, digitalization, online platforms, business process automation.
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Zhang, Haijian. "Analysis of Internet third-party payment based on Alipay mobile payment business." Frontiers in Business, Economics and Management 11, no. 2 (2023): 212–19. http://dx.doi.org/10.54097/fbem.v11i2.12592.
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As e-commerce began to rise in the early 21st century, mobile payments began to appear in the public eye and flourished in the following decade. However, in recent years, the development of the mobile payment industry has slowed down, and the industry has reached a new turning point. Various mobile payment companies have begun to continuously look for new markets to develop new technologies and seek breakthroughs. As the leader in the mobile payment industry, Alipay is seeking new development opportunities while consolidating its position. How should Alipay adjust its goals and change its business strategy in the future? This article will start with the definition of the origin of third-party payment, analyze how third-party mobile payment evolved from barter exchange to the use of currency and finally formed the current mobile payment method; and then analyze the mobile payment industry. Profit model, how the mobile payment industry develops at home and abroad, and finally use the SWOT model to analyze Alipay's strengths and weaknesses, combined with the company's opportunity and threat analysis, to comprehensively analyze Alipay's current position. Finally, it was concluded that Alipay should shift its focus from target markets to B2B cross-border payment business and establish a risk prevention system in cross-border e-commerce business.
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Zeng, Zhou Yu, and Jin Bo Song. "Review of the Development of Mobile Electronic Commerce." Applied Mechanics and Materials 738-739 (March 2015): 1201–4. http://dx.doi.org/10.4028/www.scientific.net/amm.738-739.1201.
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Mobile e-commerce is the use of electronic business mobile phone, PDA and palm computer wireless terminals of the B2B, B2C or C2C. It will be the technology of Internet, mobile communication technology, the short distance communication and information processing technology the perfect combination, so that people can carry out a variety of business activities at any time, any place, whenever and wherever possible, the realization of online and offline shopping and trading, online electronic payment and various trade activities, business activities, financial activities and related comprehensive services activities etc.. Study according to the latest data analysis of domestic and foreign electronic commerce development present situation, summarizes the key technology of WAP and J2ME in mobile environment, and the prospect of the future development trend of electronic commerce.
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Mahesh, K. M., S. Aithal P., and K. R. S. Sharma. "Open Network for Digital Commerce -ONDC (E-Commerce) Infrastructure: To Promote SME/ MSME Sector for Inclusive and Sustainable Digital Economic growth." International Journal of Management, Technology, and Social Sciences (IJMTS) 7, no. 2 (2022): 320–40. https://doi.org/10.5281/zenodo.7141841.
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<strong>Purpose: </strong><em>Digital India, Make in India opened new avenues of innovation to promote the digital economy, the government of India in association with the department for the promotion of industry and internal trade launched ONDC the open source e-commerce ecosystem infrastructure similar to UPI. It is one of 17 sustainable Development Goals to promote innovation, infrastructure, Decent work in e-commerce and decentralization and democratisation. The e-commerce in SME and MSME business sectors to adapt B2B, B2C, C2C, and M-commerce across the segment such as mobility, grocery, food order, delivery hotel booking travel, with a partnership with customers, suppliers, distributors, warehouse, logistics, payments with the support by the government policy on FDI, PE/VC in e-commerce with API infrastructure, and Consumer Protection Bill 2018 regulate the online transactions by including the e-commerce sector. The worth of the e-commerce market in India is US$200 billion by 2026 led by Walmart, Flipkart, and Amazon market share of 31.9%, 31.2% in India and social commerce market share is $800 and mobile phones. Internet penetration drives the opportunity to develop network-based open protocol e-commerce appsto have scope for wider reach and support micro, small, and medium enterprises get into the online platform for small merchants as well as consumers of urban, semi-urban, and rural areas and it leads to a bank to introduce digitally product based lending improve the flow of credit to SMEs. The Aatmanirbhar Bharat movement gave a huge opportunity to Indian entrepreneurs to contribute to GDP by providing E-commerce credit to customers and bringing more inclusiveness, and sustainability to the consumer digital economy.</em> <strong>Design/Methodology/Approach: </strong><em>The Descriptive study and secondary data are collected from relevant and government websites to analyse the result and ABCD Listing Framework.</em> <strong>Findings/Result:</strong> <em>Contribution of ONDC and other players of e-commerce towards the inclusive and economic growth of the country. The data shows that E-commerce start-ups have raised VC&PE funding for technology adoption, BNLP, B2B, and open network technology provide a huge opportunity backed by the Digital India revolution.</em> <strong>Research limitations/implication:</strong><em> First hand data of ONDC and other player’s information is not taken for the study. </em> <strong>Social implications:</strong><em> It is E-Commerce digital tool to integrate small traders with integrate small traders with integration of all apps Big tech for more sustainable in incomes, business expansion, employment, economic growth. It is designed to provide equal opportunity to small retailers and merchants in the e-commerce market alongside big players like Amazon and Flipkart.</em> <strong>Originality/ Value: </strong><em>To Promote SME/ MSME Sector for Inclusive and Sustainable Digital Economic growth, it is important to know the ONDC infrastructure.</em> <strong>Paper Type: </strong><em>Conceptual and Empirical.</em>
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Prof., Rekha D. M., and L. Divya. "Impact of M-Commerce Technologies on Developing Countries." International Journal of Trend in Scientific Research and Development 4, no. 1 (2019): 101–2. https://doi.org/10.5281/zenodo.3604699.
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M commerce is defined as any transaction with monetary value that is conducted via a mobile telecommunication network. M commerce like E commerce can be B2B business to business , P2P person to person or B2C business to customer oriented. The framework divides into couple sub areas based on user's distribution criterion. Mobile E commerce addresses electronic commerce via mobile devices, where the consumer is not in physical or eye contact with the goods that are being purchased. On the contrary in M trade the consumer has eye contact with offered products and services. In both case the payment procedure is executed via the mobile network. Prof. Rekha D. M | Divya. L "Impact of M-Commerce Technologies on Developing Countries" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29410.pdf
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Editorial, Team IndraStra Global. "A Brief Note on Digital Payment Systems in Pakistan." IndraStra Global 04, no. 004 (2018): 011. https://doi.org/10.5281/zenodo.1217840.
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<em>"Digital Payments"</em> in Pakistan is an evolving concept that intends to provide a basket of the solution to its citizen and in fact, it is rapidly gaining momentum in Pakistani market. More than half of its population do not have access to the conventional and mobile banking services and there is very little use of electronic B2B payments, regardless of the value of the transaction, and especially by micro and small retailers. Cash is still a dominant payment method as it is considered <em>"safe"</em> by almost all the retailers and suppliers.
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Alkadi, Rotana S., and Salma S. Abed. "Consumer Acceptance of Fintech App Payment Services: A Systematic Literature Review and Future Research Agenda." Journal of Theoretical and Applied Electronic Commerce Research 18, no. 4 (2023): 1838–60. http://dx.doi.org/10.3390/jtaer18040093.
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This research has undertaken a systematic literature review (SLR) of articles focusing on the acceptance of fintech payment services by identifying 84 peer-reviewed articles published in international scientific journals from 2015 to April 2023. This paper uses the Scientific Procedures and Rationales for Systematic Literature Reviews (SPAR-4-SLR) protocol to gather relevant articles and the theory, context, constructs, and methodology (TCCM) framework to analyse them. The conducted SLR has several findings. First, the Technology Acceptance Model (TAM) is the main theory used to examine consumers’ acceptance of fintech payment services. Second, studies in this area have been conducted in 24 countries, with a focus on Indonesia, Malaysia, and China. The study themes identified include fintech payment apps, Buy Now Pay Later (BNPL), mobile payment, fintech services, e-wallet, and Islamic Fintech. Third, the perceived usefulness, trust, perceived ease of use, and attitude are the four main constructs found to have a significant association with behavioural intention. Finally, most studies (64) rely on quantitative methods, particularly questionnaires. Based on the findings, this study identifies research gaps and provides a future research agenda. The review also has practical implications for policymakers and corporations in developing strategies and policies promoting the acceptance of fintech payment services. Limitations include B2C focus, exclusion of B2B behavior, lack of targeting specific user demographics, and reliance on secondary data. These present opportunities for further research.
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Wu, Banggang, Xiaoyu Deng, and Xuebin Cui. "Cash on delivery or online payment: mobile channel, order size and payment methods." Journal of Contemporary Marketing Science 3, no. 2 (2020): 225–42. http://dx.doi.org/10.1108/jcmars-12-2019-0048.
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PurposeThe existing research does not systematically explore customers' option about different payment methods, nor does it analyze how shopping channels and shopping scale affect customers' option about different payment methods. Furthermore, there is a lack of exploration on what the relationship is, and how they are adjusted by customer purchasing experience. The authors’ research questions are: (1) when using different shopping channels in online retailing, whether customers will choose different types of payment methods? (2) Does the purchase amounts affect customers' choice of different payment methods?Design/methodology/approachThis study takes 60,484 customers from JD.com, one of the largest B2C platforms in China, as the research object and collects the purchase data of these customers from October 01, 2012 to December 31, 2013, and analyzes them through panel data models.FindingsBased on their purchase data, the authors find the main results by using panel data model that (1) the use of mobile channel has a positive effect on cash on delivery (COD), implying that when consumers use mobile to purchase, they have a higher possibility to use COD, (2) the order size has a positive effects on COD, that is to say, when the purchase amount increases, the possibility of using COD also increases. (3) Furthermore, when consumers' purchase experience abound, mobile channel's positive effect on COD will be decreased, but it does not affect the positive effect between order size and COD.Originality/valueFrom the aspects of shopping channels, product attributes and customer purchase experience, it fills the gaps in the research on the preselection of payment methods and makes research of payment methods a complete research system. Secondly, this study adds COD to the options of payment method selection. Finally, the moderating effect of customer shopping experience from a dynamic perspective elaborates that customers can learn from multiple purchases and overcome the shopping risks brought by shopping channels, thereby reducing the probability of choosing a COD method.
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Nur Hidayah and Asbullah. "Tinjauan Yuridis Perlindungan Hukum Terhadap Penggunaan Dompet Digital (E-Wallet) Dalam Sistem Pembayaran Di Indonesia." Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial 2, no. 1 (2024): 40–56. http://dx.doi.org/10.70292/pchukumsosial.v2i1.45.
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This research aims to determine the form of use of Digital Wallets in the payment system in Indonesia and to determine legal protection for the use of digital wallets in Indonesia. This research uses normative legal research methods. The use of normative research methods in research efforts and writing this article is based on the suitability of theory with the research methods required by the author. 1) Electronic Wallet Operators provide services in the form of online transaction payments so that the process becomes more practical, faster and cheaper. Electronic Wallets are equipped with various features to facilitate online transactions between consumers and business owners or between business actors (B2B). In the mechanism, the Electronic Wallet will be filled in by consumers (deposits) via their banking account with the desired nominal value. Then, if the consumer makes a transaction, the Electronic Wallet will be debited according to the nominal transaction. When making a deposit, this Electronic Wallet can be filled via several payment methods, namely via credit card, mobile banking, internet banking, ATM, debit card, corporate internet banking, branchless banking agent, online virtual account, and Electronic Invoice Presentment & Payment ( EIPP ). and 2) Dana e-wallet users who suffer losses due to non-compliance with the services they receive can take out loans for their losses legally through court or outside court in accordance with the provisions of the Consumer Protection Law.
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Manish, Bhanushali, Patel Vivekkumar, Thakkar Saumya, and Malvankar Rashmi. "CropConnect: Mobile Application." Recent Trends in Androids and IOS Applications 4, no. 1 (2022): 1–6. https://doi.org/10.5281/zenodo.6586066.
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<em>Agriculture sector is the biggest earning sector. To make our country independent the agriculture sector should be properly organized. As we see the agriculture sector is an unorganized sector despite being the biggest sector. The main reason behind this unorganized sector is the third party.</em> <em>Nowadays farmer is facing the various problem and also, they don’t get the good profit on their crops etc. farmer sold their product of low cost but in the market its values are very high because various distributor and traders keep stock and because of product shortage in the market value of product increases. So, to solve this gap between the farmers and companies and challenges to solve this problem, we created a mobile application. Farmers cannot really sell them to the person they wish to as they don’t go out in the market or the traders don’t contact any of the farmers as their contacts go to the minimum. So, we will design this application which solves the problem of both the farmer and traders in trading the goods with very ease and reliability. It helps supply crop products to the major companies directly and provides major employment in rural areas. The farmer's role is to upload the product and the trader's role is to order them using an online payment option. The retailer can see the rating of the soil which is provided by the Government of India.</em> <em>The development of Application will help the farmers get their reasonable price and also the farmers in deciding where to market their product and assess just like B2B marketing the price value available in the market that is monitored in the trading post.</em>
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Deokar, Mayuri Satish. "A Study on Recent Trends in E-Commerce." International Journal of Economics, Business, Accounting, Agriculture and Management towards Paradigm Shift in Research (IJEBAMPSR) 2, no. 1 (2025): 147–52. https://doi.org/10.5281/zenodo.15286363.
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<strong><em>Abstract </em></strong> <em>E-commerce is a business concept that eliminates the need for a middleman by selling goods and services to customers directly through a website. E-commerce allows us to order goods from the convenience of our homes.</em><em> Customers can choose the things they need from a wide range of products that are offered online. Debit cards, credit cards, e-wallets, or e-cash can also be used to pay for the product. This essay addresses current e-commerce trends, as well as the many e-commerce models, opportunities, and constraints. Furthermore, the paper discusses the significant opportunities that e-commerce presents, such as global reach, cost-efficiency, and scalability, alongside the constraints like logistics challenges, security concerns, competition, and regulatory complexities. In conclusion, while e-commerce continues to grow rapidly, businesses must navigate these challenges to fully harness its potential in the ever-evolving digital landscape.</em><em> E-commerce is a revolutionary business concept that eliminates the need for intermediaries, enabling businesses to sell goods and services directly to consumers through digital platforms. With the rise of online shopping, consumers can conveniently order products from the comfort of their homes, benefiting from a vast array of choices. Transactions are typically completed using secure payment methods, including debit and credit cards, e-wallets, or e-cash. This essay explores the latest e-commerce trends, highlighting advancements like mobile commerce, personalized shopping experiences, and AI-driven customer service. Additionally, it examines the different e-commerce business models, such as B2C, B2B, C2C, and subscription-based models.</em>
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Deokar, Mayuri Satish. "A Study on Recent Trends in E-Commerce." International Journal of Economics, Business, Accounting, Agriculture and Management towards Paradigm Shift in Research (IJEBAMPSR) 2, no. 1 (2025): 147–52. https://doi.org/10.5281/zenodo.15286376.
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<strong><em>Abstract </em></strong> <em>E-commerce is a business concept that eliminates the need for a middleman by selling goods and services to customers directly through a website. E-commerce allows us to order goods from the convenience of our homes.</em><em> Customers can choose the things they need from a wide range of products that are offered online. Debit cards, credit cards, e-wallets, or e-cash can also be used to pay for the product. This essay addresses current e-commerce trends, as well as the many e-commerce models, opportunities, and constraints. Furthermore, the paper discusses the significant opportunities that e-commerce presents, such as global reach, cost-efficiency, and scalability, alongside the constraints like logistics challenges, security concerns, competition, and regulatory complexities. In conclusion, while e-commerce continues to grow rapidly, businesses must navigate these challenges to fully harness its potential in the ever-evolving digital landscape.</em><em> E-commerce is a revolutionary business concept that eliminates the need for intermediaries, enabling businesses to sell goods and services directly to consumers through digital platforms. With the rise of online shopping, consumers can conveniently order products from the comfort of their homes, benefiting from a vast array of choices. Transactions are typically completed using secure payment methods, including debit and credit cards, e-wallets, or e-cash. This essay explores the latest e-commerce trends, highlighting advancements like mobile commerce, personalized shopping experiences, and AI-driven customer service. Additionally, it examines the different e-commerce business models, such as B2C, B2B, C2C, and subscription-based models.</em>
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Wu, Mian, Yulong Liu, Henry F. L. Chung, and Shoujia Guo. "When and how mobile payment platform complementors matter in cross-border B2B e-commerce ecosystems? An integration of process and modularization analysis." Journal of Business Research 139 (February 2022): 843–54. http://dx.doi.org/10.1016/j.jbusres.2021.10.019.
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Ejdys, Stanisław, Renata Dzik, Barbara Kowal, et al. "The Essence of Multimodal Travel and Key Standards for Data Exchange in Public Transport." Rocznik Ochrona Środowiska 26 (December 10, 2024): 691–99. https://doi.org/10.54740/ros.2024.060.
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The concept of multimodal transport has recently attracted much interest. It is user-oriented, i.e. the passenger planning his trip. To properly plan and prepare a mobility offer, it is necessary to know the mobile behaviour of travellers or their changes. Both the travel history and communication preferences of passengers can contribute to the design of a mobility distribution model in which various modes of transport offered by different operators are integrated into one service provided within one digital platform. The study aims to present the concept of multimodal travel and show the added value for the traveller: the synergy of combining ticket purchase and payment channels and a wide range of transport options. The authors highlight two key public transport data exchange standards: Open Journey Planner (OJP) and General Transit Feed Specification (GTFS). Their goal is to improve the quality of public transport services and provide travellers with better access to information. The article was developed as part of the Network Management Planning and Control & Mobility Management in a Multimodal Environment and Digital Enablers project – an acronym of the MOTIONAL project – implemented by the Research and Development Ecosystem created at PKP S.A. The article's content is part of the WP20 work package Development: Integration of Railways with other means of transport. In particular, it refers to Task 20.1, Improving railway integration using B2B intermodal services, which includes Subtask 20.1.1, Providing MaaS platforms for B2B intermodal services.
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Konudula, Joshna, and Er Kratika Jain. "Customizing Salesforce for Enhanced Webstore Experiences." International Journal of Research in Modern Engineering & Emerging Technology 13, no. 4 (2025): 40–56. https://doi.org/10.63345/ijrmeet.org.v13.i4.3.
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The use of Salesforce to improve webstore experiences has emerged as a central research theme in the e-commerce industry.While considerable advancements have been made in personalizing Salesforce to optimize customer interactions, process automation, and sales process optimization, there remains a huge research gap in understanding the complex implications of such personalizations on long-term customer loyalty, large-scale personalization, and channel consistency. Research work done in this period has been largely focused on areas such as the use of AI-enabled tools like Salesforce Einstein for personalized recommendations, the contribution of Salesforce’s omnichannel features in unifying customer experiences, and the use of advanced analytics for better decision-making. There are knowledge gaps in understanding the complex interlinks between the integration of such tools and their implications on customer retention and repeat purchase. While mobile, B2B, and subscription-based webstore customization has been explored, relatively few studies have been done on the full extent of Salesforce integration with a broad spectrum of third-party applications to extend user experience improvement. There is also a need for more thorough exploration of the potential for Salesforce to streamline new e-commerce models, such as voice and AR-based shopping experiences. This research tries to address those shortcomings by examining how Salesforce customizations can not only improve short-term webstore performance but also create long-term, personalized customer relationships that fuel long-term growth. This research also tries to investigate the effects of combining advanced payment systems and security features within Salesforce, which can potentially offer secure, seamless transactions to consumers across multiple platforms.
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Ahmed, Shuhaiber, and Lehmann Hans. "Exploring Customer Trust in B2C Mobile Payments – A Qualitative Study." May 28, 2013. https://doi.org/10.5281/zenodo.1079556.
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Mobile payments have been deployed by businesses for more than a decade. Customers use mobile payments if they trust in this relatively new payment method, have a belief and confidence in, as well as reliance on its services and applications. Despite its potential, the current literature shows that there is lack of customer trust in B2C mobile payments, and a lack of studies that determine the factors that influence their trust in these payments; which make these factors yet to be understood, especially in the Middle East region. Thus, this study aims to explore the factors that influence customer trust in mobile payments. The empirical data for this explorative study was collected by establishing four focus group sessions in the UAE. The results indicate that the explored significant factors can be classified into five main groups: customer characteristics, environmental (social and cultural) influences, provider characteristics, mobile-device characteristics, and perceived risks.
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Hota, A. P. "Unified Payments Interface in India: Revolution in the making." Journal of Payments Strategy & Systems, October 1, 2016. http://dx.doi.org/10.69554/yycm7329.
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Payment systems in India have undergone rapid changes during the past few years. The Vision Document on Payment Systems released by the Reserve Bank of India states several measures for building a ‘less cash’ society. The adoptions of mobile and card payment systems are two key components of this initiative. This paper presents an overview of a transformational project initiated recently by the National Payments Corporation of India (NPCI). This project aims to empower the bank customer to ‘send’ and ‘collect’ money in real time with just an e-mail, like a financial address, both for personto- person (P2P) payments and Business to Consumer (B2C) Collect.
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-, DHAIF ALLAH NAJI MOHAMMED AL SADI, and D. M. Khandare -. "Opportunities for E-commerce and Internet Marketing in Yemen in Modern Day Obstacles & Difficulties." International Journal For Multidisciplinary Research 6, no. 4 (2024). http://dx.doi.org/10.36948/ijfmr.2024.v06i04.26980.
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Currently, information and communication technologies (ICT) are rapidly advancing. The application of innovative technology in both B2B and B2C Marketing is universally recognized as highly advantageous for enterprises. For instance, the actions of purchasing and selling can be carried out using the Internet and information technology, which is referred to as e-Commerce. In light of these circumstances, online marketing has emerged. The e-Marketplace is a virtual platform where transactions take place. The advent of e-platforms facilitates firms in expanding their consumer base and conducting business transactions with greater effectiveness and efficiency. Although there are challenges and barriers to embracing and executing e-commerce, small and medium-sized enterprises (SMEs) can still reap the advantages of e-commerce. Yemen is currently in the process of establishing the fundamental components of an e-commerce infrastructure, which include networking, electronic payments, and IT-related services. This includes the development of information technology education and training. Yemen has recently experienced an increase in the number of mobile subscriptions and the rate of Internet access penetration. The growing utilization and widespread adoption of mobile phones in Yemen has facilitated the extensive implementation of e-commerce. Yemen offers a favorable environment for implementing ICT and e-commerce due to its high penetration rate and ongoing infrastructural development. Yemeni e-commerce faces challenges related to the absence of expertise and proficiency in areas like as ICT and e-commerce, the limited availability of ICTs in rural regions, and the scarcity of information technology workers and infrastructure. The document proposes that the successful adoption and execution of e-commerce should be carried out under well-designed national plans and guidelines for ICT and e-commerce growth.
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Mrs.G.Yasmin and M.A.S. Raja Mohammed. "IMPACT OF FINANCIAL TECHNOLOGY IN INDIA ON BANKING SECTOR." EPRA International Journal of Economic and Business Review, April 29, 2020, 44–50. http://dx.doi.org/10.36713/epra3188.
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Technology has, to some degree, always been part of the financial world. The term fintech refers to the synergy between finance and technology, which is used to enhance business operations and delivery of financial services. Financial technology is the application of new technological advancements to products and services in the financial industry. It includes B2C (Business to Client), Crowdfunding Platforms, Block chain and Cryptocurrency, Mobile Payments, Insurance, Robo-Advising, Stock-Trading Apps, Budgeting Apps, Fintech Stocks. Fintech market in India is likely to expand to $31 billion in 2020," India is a dominant force in the financial technology sector globally with 29 per cent annual returns on investments, a report released by the City of London Corporation. The study is important to analyse the impact of fintech in banking sector through analyzing its performance and growth pattern. Implementation of new business models driven by technologies such as Artificial Intelligence and Machine Learning Wide middle-class expansion by 2030, India will add 140 million middle-income and 21 million high-income households which will drive the demand and growth on the Indian Fin Tech space. KEY WORDS: Fintech, Financial services, banking sector, India, technology
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K. M., Mahesh, P. S. Aithal, and Sharma K. R. S. "Open Network for Digital Commerce -ONDC (E-Commerce) Infrastructure: To Promote SME/ MSME Sector for Inclusive and Sustainable Digital Economic growth." International Journal of Management, Technology, and Social Sciences, October 3, 2022, 320–40. http://dx.doi.org/10.47992/ijmts.2581.6012.0223.
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Purpose: Digital India, Make in India opened new avenues of innovation to promote the digital economy, the government of India in association with the department for the promotion of industry and internal trade launched ONDC the open source e-commerce ecosystem infrastructure similar to UPI. It is one of 17 sustainable Development Goals to promote innovation, infrastructure, Decent work in e-commerce and decentralization and democratisation. The e-commerce in SME and MSME business sectors to adapt B2B, B2C, C2C, and M-commerce across the segment such as mobility, grocery, food order, delivery hotel booking travel, with a partnership with customers, suppliers, distributors, warehouse, logistics, payments with the support by the government policy on FDI, PE/VC in e-commerce with API infrastructure, and Consumer Protection Bill 2018 regulate the online transactions by including the e-commerce sector. The worth of the e-commerce market in India is US$200 billion by 2026 led by Walmart, Flipkart, and Amazon market share of 31.9%, 31.2% in India and social commerce market share is $800 and mobile phones. Internet penetration drives the opportunity to develop network-based open protocol e-commerce appsto have scope for wider reach and support micro, small, and medium enterprises get into the online platform for small merchants as well as consumers of urban, semi-urban, and rural areas and it leads to a bank to introduce digitally product based lending improve the flow of credit to SMEs. The Aatmanirbhar Bharat movement gave a huge opportunity to Indian entrepreneurs to contribute to GDP by providing E-commerce credit to customers and bringing more inclusiveness, and sustainability to the consumer digital economy. Design/Methodology/Approach: The Descriptive study and secondary data are collected from relevant and government websites to analyse the result and ABCD Listing Framework. Findings/Result: Contribution of ONDC and other players of e-commerce towards the inclusive and economic growth of the country. The data shows that E-commerce start-ups have raised VC&PE funding for technology adoption, BNLP, B2B, and open network technology provide a huge opportunity backed by the Digital India revolution. Research limitations/implication: First hand data of ONDC and other player’s information is not taken for the study. Social implications: It is E-Commerce digital tool to integrate small traders with integrate small traders with integration of all apps Big tech for more sustainable in incomes, business expansion, employment, economic growth. It is designed to provide equal opportunity to small retailers and merchants in the e-commerce market alongside big players like Amazon and Flipkart. Originality/ Value: To Promote SME/ MSME Sector for Inclusive and Sustainable Digital Economic growth, it is important to know the ONDC infrastructure. Paper Type: Conceptual and Empirical.
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Ahmed, Jashim U., Amreen Talukdar, Md M. Khan, Raihan Sharif, and Asma Ahmed. "Flutterwave—A digital payment solution in Nigeria." Journal of Information Technology Teaching Cases, February 14, 2022, 204388692110632. http://dx.doi.org/10.1177/20438869211063210.
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This case study analyses the Information & Communication Technology (ICT) sector of the West African country Nigeria; the growth of their internet services leading to online payment options. The rise of telecommunication companies and mobile payment options are also scrutinized here to some extent. The report discusses the overlying assumptions of weak online financial security issues that developing countries face and how payment aggregators are aiding in the process in order to achieve a smooth digital marketplace. Flutterwave, is a B2B digital payment Application Programming Interface (API) that allows processing of credit and debit for cards, other local alternative payments, such as mobile money and Automated Clearing House (ACH), across Africa. They ensure that global merchants are able to process payments like a local African company. The case of Flutterwave is discussed in detail with their business model—customer profiles, provided services, a landscape of their competitors and the challenges faced doing business; in order to shed some light on the aspect of making Nigeria a potential destination of investment for many Multinational Corporation (MNC’s) in the future.
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"Research on E-commerce Payment Security and Privacy Protection Based on Improved B2C Model." International Journal of Circuits, Systems and Signal Processing 14 (September 2, 2020). http://dx.doi.org/10.46300/9106.2020.14.67.
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The popularity of Internet and mobile terminalspromotes the development of e-commerce. However, e-commercewhich is not necessary to face to face poses a major challenge to thepayment security and privacy protection of consumers. This paperbriefly introduces the traditional business to customer (B2C)e-commerce model. A third-party privacy server was introduced toprovide a double encryption algorithm for the model, and then thetraditional and improved B2C models were simulated to verify theperformance of the two models in the confidentiality of the transactioninformation and the security of the transaction informationtransmission process. The results showed that the intruder could notdirectly obtain the sensitive privacy information such as paymentinformation and order information of consumers even if he invaded thedatabase of the online store when the improved B2C model was used;after the transaction information was intercepted and decrypted underthe two B2C models, the decryption integrity decreased with theincrease of the transaction information quantity, while under the sametransaction information quantity, the decryption integrity of theimproved B2C model was lower
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Sihare, Shyam R. "FUTURE DIGITAL MARKETING REVOLUTIONIZING E- COMMERCE." Towards Excellence, March 31, 2022, 1347–56. http://dx.doi.org/10.37867/te1401120.
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In just a few years, the e-commerce market has expanded rapidly. E-commerce has dominated the majority of market segments. To be successful, e-commerce must promote products and reach every potential consumer. Digital marketing is inexpensive and adaptable enough to reach every corner of the globe. Every market is shifting from traditional to digital in order to accommodate digital payment, shipping, and more cost-effective product rates. In the coming days, digital marketing and e-commerce will completely change in response to the needs and experiences of potential customers. E-commerce promotes products and attracts buyers by utilizing virtual reality, 3D, and video. As a result, recent trends in B2B, C2C, C2B, and B2C must be examined. This article examines current digital marketing strategies and planning. Following that, we talked about future digital marketing strategies, growth rates, and the roles of AI, machine learning, the Internet, mobile phones, and other electronic tools. Later, examines the effects of digital marketing on marketers, industrialists, and global markets. Finally, we conclude from data gathered from various stakeholders that digital marketing strategies will significantly alter the product-consumer-marketer perspective in the near future. As a result, we analyzed both traditional marketing and digital marketing potential customer thinking strategies using graphical representation.
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Grambeck, H.-M. "B2C Supplies of Electronic Services from 1 January 2015 from a German Perspective." International VAT Monitor 24, no. 4 (2013). http://dx.doi.org/10.59403/1nva7f6.
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The Internet is the basis for a continuously growing market for electronically supplied services. 1 January 2015 is an important date for providers of those services established within the European Union because, on that date, the place of B2C supplies of telecommunications, broadcasting and electronic services within the European Union will “shift” from the Member State where the service provider is established to that where the final consumer is resident, which not only has an effect on the service providers’ VAT liability but also on various other administrative obligations with which service providers must comply. In this article, the author discusses the upcoming changes, especially in the framework of mobile systems for payment for electronic services and the upcoming VAT implementing rules.
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Febransyah, Ade, and Joklan Imelda Camelia Goni. "Measuring the supply chain competitiveness of e-commerce industry in Indonesia." Competitiveness Review: An International Business Journal ahead-of-print, ahead-of-print (2020). http://dx.doi.org/10.1108/cr-05-2020-0059.
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Purpose The purpose of this study is to measure the supply chain competitiveness of the e-commerce industry in Indonesia. Design/methodology/approach The study used a multi-criteria decision-making model based on the analytic hierarchy process. Four main criteria are used to measure the supply chain competitiveness, i.e. cost, differentiation, sustainability and infrastructure. Findings The findings of this study show that cost is the most important criterion with a degree of importance of 33.19%, followed by infrastructure of 29.40%, differentiation of 27.96% and sustainability of 9.45%. It shows that the internally controlled strategy contributes about 70% of supply chain competitiveness. The internal infrastructure criterion that consists of software and hardware contributes 65.92% to the whole infrastructure criterion. The internal infrastructure then contributes 19.38% to supply chain competitiveness. Therefore, the internally controlled strategies and internal infrastructure contribute up to 90.08% to the supply chain competitiveness of e-commerce in Indonesia. This result implies that to attain the supply chain competitiveness, the company must carry out strategies focusing on the performance such as cost, differentiation, sustainability as well as on the internal infrastructure such as software and hardware. Research limitations/implications In this paper, the authors limited their study to the business to business (B2B) and business to consumer (B2C) players because these two platforms have been experiencing a very rapid growth. While e-commerce business can take many platforms besides B2B and B2C, the future research should include other platform such as consumer to consumer as well. Because the focus in this study is more the information and material flows, it will be of great interest if the future research covers the platform of mobile payment as well that guarantee the ease of cashflows within supply chains. Also, with the occurrence of the Covid-19 pandemic when this paper was written, in the near future, it is then of great interest to incorporate the pandemic context into the proposed model used in this study. The further study should analyze long-term changes happened as the result of pandemic such as behavioral changes of online shopping from customer side or shift in e-commerce supply chain infrastructure and inventory practice. Practical implications With this study, it is expected that it can be determined which criteria contribute the most to the supply chain competitiveness of the e-commerce industry in Indonesia that will be useful for industry player. Originality/value E-commerce development in Indonesia is still facing serious challenges. The multi-criteria decision making approach used in this research lays a foundation of how supply chain competitiveness is determined based on the judgment of experts coming from major companies within the supply chain.