Academic literature on the topic 'Bank card cross-border payment'
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Journal articles on the topic "Bank card cross-border payment"
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Maslov, Alexey V. "Development of New Payment Systems in Russia Similar to a CLS Analogue." Financial Journal 13, no. 3 (June 2021): 27–37. http://dx.doi.org/10.31107/2075-1990-2021-3-27-37.
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This paper examines the need to create new infrastructural payment and financial institutions in Russia to ensure greater independence of the Russian financial market from any external factors as well as the efficiency of the market for ruble conversion transactions and cross-border payments. The issue of creating an analogue of Continuous Linked Settlement (CLS) in Moscow on the basis of the Interstate Bank, or establishing a new payment system, is highly relevant. Almost seven years ago, on September 22, 2014, the CLS international payment system postponed the inclusion of the Russian ruble in its list of currencies, scheduled for November of that year. The prospect of such inclusion in the coming years remains very weak. In March 2014, VISA and MasterCard payment systems stopped servicing cards of several Russian Banks in retail outlets and ATMs. Amendments to the Federal Law “On the National Payment System” were prepared and promptly adopted in order to provide infrastructure and information support for the processes of making money transfers within Russia. On July 23, 2014, the National Payment Cards System was launched, which was tasked with creating an operational and clearing center for processing domestic transactions with cards of the international payment systems and promoting the national payment card. This experience should be used to create new payment systems in order to secure the efficiency of cross-border payments and currency conversion operations. This step will extend the sphere of ruble convertibility, ensure an increase in the status of the ruble and its importance in international trade, and bring Russia closer to practical steps to create a regional international financial center. To expand settlements in rubles on the part of non-residents, it is necessary to strive to perform trade and financial transactions in rubles and keep ruble savings, which is impossible without a market for ruble conversion transactions. The author examines the prospects for creating a new payment system, in particular with participation of the CIS and BRICS countries.
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Prisgunanto, Ilham. "IMPLEMENTASI PROMOSI BAURAN KOMUNIKASI PEMASARAN KARTU KREDIT DI INDONESIA (Studi Deskriptif Bank Mandiri, HSBC, Citibank, BCA dan BNI)." Commed : Jurnal Komunikasi dan Media 2, no. 2 (April 16, 2018): 106. http://dx.doi.org/10.33884/commed.v2i2.473.
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Credit cards are one of the most familiar payment tools for information society. They used integrated marketing communications method to get new costumers. They prepared this method to market expansion. Intergrated marketing communication depend on understanding of company about marketing of communication. This research aims to explore implementation of used integrated marketing communications. This research used theory of marketing communication, theory of integrated marketing communications, promotion and marketing plan. This reaearch method is qualitative descriptive. They collected data from staff and management of bank who produce credit card used interview method (Mandiri, HSBC, BCA, Citibank dan BNI). The result is Local Banks which produce credit card did same promotion method with the International bank method. The big issue about credit card is They must used international big brand from Citibank to arrange their system. The Marketing communication is success because of pattern of organization, cross sectoral integration in corporate. Because of that situation, its important to marketing communication at banking.
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Yontar, Meltem, Özge Hüsniye Namli, and Seda Yanik. "Using machine learning techniques to develop prediction models for detecting unpaid credit card customers." Journal of Intelligent & Fuzzy Systems 39, no. 5 (November 19, 2020): 6073–87. http://dx.doi.org/10.3233/jifs-189080.
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Customer behavior prediction is gaining more importance in the banking sector like in any other sector recently. This study aims to propose a model to predict whether credit card users will pay their debts or not. Using the proposed model, potential unpaid risks can be predicted and necessary actions can be taken in time. For the prediction of customers’ payment status of next months, we use Artificial Neural Network (ANN), Support Vector Machine (SVM), Classification and Regression Tree (CART) and C4.5, which are widely used artificial intelligence and decision tree algorithms. Our dataset includes 10713 customer’s records obtained from a well-known bank in Taiwan. These records consist of customer information such as the amount of credit, gender, education level, marital status, age, past payment records, invoice amount and amount of credit card payments. We apply cross validation and hold-out methods to divide our dataset into two parts as training and test sets. Then we evaluate the algorithms with the proposed performance metrics. We also optimize the parameters of the algorithms to improve the performance of prediction. The results show that the model built with the CART algorithm, one of the decision tree algorithm, provides high accuracy (about 86%) to predict the customers’ payment status for next month. When the algorithm parameters are optimized, classification accuracy and performance are increased.
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Kochergin, D. "Central Banks Digital Currencies: World Experience." World Economy and International Relations 65, no. 5 (2021): 68–77. http://dx.doi.org/10.20542/0131-2227-2021-65-5-68-77.
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Received 28.07.2020. The article examines issues related to the introduction of central bank digital currencies (CBDC) for retail payments and wholesale settlements. The study defines and classifies central bank digital currencies, researches the main models of CBDC systems. The article also analyzes the features of various national projects for issuing Central bank digital currencies. The paper uses methods of economic-statistical and functional-structural analysis. The study concludes that CBDC are a new form of central bank money. Digital currencies can be issued in various issuing systems for the purpose of retail payments or wholesale settlements. Among the models of CBDC systems for retail payments (R-CBDC) the direct system model is the most attractive for its simplicity. This model eliminates the dependence of the Central bank on any financial and payment intermediaries. Models of synthetic and hybrid R-CBDC systems are characterized by reliability and speed in processing multiple transactions which makes them the most promising for implementation. Among the models of CBDC systems for wholesale payments (W-CBDC) the model of the system with a universal digital currency (U-W-CBDC) may be the most suitable for eliminating the main disadvantages of modern cross-border payment systems. However, a large number of technological and financial changes as well as the high operating costs of the U-W-CBDC can make such systems difficult to implement for non-developed financial market infrastructure countries. National financial regulators have different motivations for issuing digital currencies. The main advantages of digital currencies for retail payments may consist in providing users with highly liquid, low-risk, universally available means of payment. The main advantages of wholesale digital currencies are that they offer faster, safer, cheaper cross-border payments. The most advanced projects for issuing R-CBDC can be considered DCEP (People’s Bank of China) E-krona (Central Bank of Sweden). The most successful pilot projects for issuing W-CBDC are the projects Jasper (Central Bank of Canada) and Ubin (Monetary Authority of Singapore), which were able to achieve interoperability in conducting cross-border payments. Currently most CBDC are retail based on the use of distributed ledger technology and implemented in the form of DLT-tokens. Countries that develop digital currency systems can be divided into three groups. The first group is countries where the introduction of CBDC can be designed to support the national demand for central bank money (Sweden, Norway, Singapore, etc.). The second group – countries for which the adoption of digital currencies can afford to keep the place of national currencies in international settlements (USA and EU) or expanding the use of national currencies at the international level (China). The third group represents countries for which the introduction of digital currencies may be associated with the control of national monetary circulation and de-dollarization of the financial system (Uruguay, South Africa, Cambodia, etc.).
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Cencini, Alvaro. "Can the ECB save the Euro zone?" Banks and Bank Systems 11, no. 2 (July 2, 2016): 81–94. http://dx.doi.org/10.21511/bbs.11(2).2016.08.
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The European project of monetary unification is under threat as never before. It is, therefore, high time to point out what went wrong and what should be done to reform the Eurosystem accordingly. This paper shows that Euro zone member countries are de facto still lacking a single currency and a monetary system that would allow for the final payment of cross-border transactions. Starting from the RTGS mechanism adopted by the Eurosystem and from a comparison with the working of domestic payment systems, it describes the changes required to transform the ECB into a bank of central banks capable to guarantee the existence of a true system of intra-European payments, with or without a single European currency (that is, with or without the loss of Euro zone countries’ monetary sovereignty)
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Bezdelov, A., and E. Loginova. "Innovative Forms of Management and Cybersecurity of Cashless Payments in the Context of Digitalization of the Banking Ecosystem." Scientific Research and Development. Economics of the Firm 9, no. 3 (October 7, 2020): 25–31. http://dx.doi.org/10.12737/2306-627x-2020-25-31.
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Changing behavioral skills of consumer financial services and the growing competitive pressure of startups are destroying traditional business models and prompting the creation of new strategies. For this reason, banks and other regulated financial intermediaries strive to quickly master developments in the field of financial technologies and change the formats of customer service, taking into account the capabilities of their budgets. The existing methods of making cross-border transfers and non-cash payments using their traditional forms, as well as new-generation digital financial instruments, are not supported by a high-quality regulatory framework. In this regard, it is important to study the stages of transformation of forms of interaction between participants of non-cash payments under the influence of the scientific and technical process, a comparative analysis of modern methods of international payments, and justification of mechanisms for integrating digital financial instruments based on distributed Ledger technology into cross-border settlement and payment operations. We also analyzed internal Bank programs for organizing internal control and managing Bank risks, using the example of Sberbank. The results of the study of these problems are reflected in this article.
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Kochergin, D. A., and A. I. Yangirova. "Central bank Digital Currencies: Key Characteristics and Directions of Influence on Monetary and Credit and Payment Systems." Finance: Theory and Practice 23, no. 4 (August 22, 2019): 80–98. http://dx.doi.org/10.26794/2587-5671-2019-23-4-80-98.
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The article is devoted to the study of prospects for digital currency issue by central banks as a new form of central bank money and to the potential of their influence on monetary and credit system. The aim of the article is to interpret and classify central bank digital currencies, to identify key characteristics of digital currencies and possible models of their issue, as well as to define the main directions of influence of digital currencies on the monetary and credit and payment systems. The scientific novelty of the article is in the systematization and comparison of different ideas about the implementation of sovereign digital currencies considering the use of distributed registry technologies. The study analyzed the projects of central banks on the issue of digital currencies and identified their features. Possible directions of influence of central bank digital currencies on the monetary and credit policy of the Central Bank and the activities of credit institutions were determined. It revealed that central bank digital currencies can be considered as a new form of money of the Central Bank, which can be issued to be used both in retail and in wholesale payments. Digital currencies may differ in some characteristics. The key ones are: a way to integrate into the monetary and credit system; emission technology; currency storage method; mechanism of mutual settlements and anonymity level. The study showed that the main incentives for introducing digital currencies are the possibility to provide an alternative and universally accessible legal means of payment, as well as to provide faster, more transparent and cheaper in-country and cross-border payments. The influence of digital currencies on the monetary and credit system and the monetary and credit policy of the Central Bank will largely depend on the scenario of their system integration. If cash is simply replaced in circulation by digital currencies, the effect on the Central Bank monetary and credit system and policy will not be significant. However, if central bank digital currencies are issued as an addition to cash, or are in parallel circulation, they can strengthen the transmission mechanism of the monetary and credit policy and increase the centralization of assets on the Central Bank balance sheet, as well as reduce the funding provided by credit institutions.
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Nguyen, Oanh Dinh Yen, and John F. Cassidy. "Consumer intention and credit card adoption in Vietnam." Asia Pacific Journal of Marketing and Logistics 30, no. 4 (September 10, 2018): 779–96. http://dx.doi.org/10.1108/apjml-01-2017-0010.
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Purpose There is limited research on consumer intention and credit card adoption in the transitional economies of Southeast Asia. The purpose of this paper is to investigate the key elements that influence an individual’s intention of adopting credit cards in the transitional economy Vietnam. Design/methodology/approach A questionnaire was developed based on the technology adoption literature. After data cleaning, 595 responses were deemed valid. Factor analysis (EFA and CFA) was utilized on split samples, and a structural equation model developed to identify the influential technology adoption factors. Findings The analysis found strong support for the hypotheses theoretically developed. In the transitional economy of Vietnam, consumer’s intention to adopt credit cards was influenced by “Perceived usefulness (PU),” “Perceived ease of use (PEOU),” “subjective norm (SN),” “perceived self-efficacy (PSE)” and “Anxiety”. However, “perceived financial cost (PFC)” was not a significant factor. Research limitations/implications The use of cross-sectional data does not enable the analysis of time sequence of the determinants of consumer intention. Practical implications This research provides a body of knowledge on modern banking payment systems and credit card utilization factors in the transitional economy of Vietnam which has relevance for other transitional as well as developing economies of Southeast Asia, and is a good reference source for foreign investors, banks and card service companies. Originality/value To date, there are no studies that explore the interaction between “PU,” “PEOU,” “PFC,” “SN,” “PSE,” “Anxiety” and “Behavioral Intention” in the context of the Vietnamese credit card market, nor other transitional markets in Southeast Asia.
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Méndez-Pinedo, Maria Elvira. "The Icesave Dispute in the Aftermath of the Icelandic Financial Crisis: Revisiting the Principles of State Liability, Prohibition of State Aid and Non-discrimination in European Law." European Journal of Risk Regulation 2, no. 3 (September 2011): 356–72. http://dx.doi.org/10.1017/s1867299x00001379.
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This study focuses on the Icesave dispute and Icesave agreements between Iceland, the UK and The Netherlands in the light of European law (EU and EEA law) and explores two main issues: 1) the State liability for breaches of EU/EEA law on the basis of Directive 94/19/EC following a systemic bank collapse in Iceland; and 2) the principle of non-discriminatory interplay between the nationalisation of Icelandic banks (State aid) and the payment of the minimum guarantee of €20.887 to depositors of Icesave accounts in the branches of Landsbanki in the UK and The Netherlands. This dispute was handled through diplomatic negotiations. The author is highly critical of the methodology followed. This cross-border dispute brought to light new complex problems in a grey area of European law which should have been brought before the highest European courts. Icesave also seems to have turned Icelanders against the process of European integration and the EU.
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MP Hutabarat, Caroline, Agustin Kusumayati, and Gilbert WS Simanjuntak. "Kepuasan Pasien Pengguna Kartu Jakarta Sehat di Unit Rawat Jalan Rumah Sakit." Kesmas: National Public Health Journal 8, no. 2 (September 1, 2013): 61. http://dx.doi.org/10.21109/kesmas.v8i2.344.
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Peluncuran Kartu Jakarta Sehat (KJS) pada bulan November 2012 mengakibatkan jumlah kunjungan pasien yang melonjak drastis di fasilitas kesehatan, khususnya rumah sakit, baik itu rumah sakit pemerintah pusat, rumah sakit pemerintahdaerah maupun rumah sakit swasta yang berkomitmen dengan Pemerintah Daerah Jakarta. KJS memberikan kemudahan akses layanan kesehatan agar pasien dapat berobat secara gratis. Namun persoalan yang muncul kemudian adalah pasien harus mengantre lama di loket pendaftaran, ruang pemeriksaan, maupun ruang pengambilan obat. Penelitian ini bertujuan untuk mengetahui hubungan faktor sosial budaya, pribadi, dan psikologis dengan kepuasan pasien pengguna KJS pada 110 responden di Unit Rawat Jalan RSU UKI, dan telah dilaksanakan pada bulan Maret 2013. Rancangan penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan potong lintang. Hasil penelitian menunjukkan kepuasan pasien KJS sebesar 40,9%. Akses ke rumah sakit, motivasi, informasi baik dan informasi tidak baik berhubungan signifikan dengan kepuasan pasien KJS, tetapi motivasi adalah hal yang paling dominan berhubungan. Selain itu, kepuasan pasien KJS juga berhubungan bermakna dengan pemanfaatan kembali layanan dan minat merekomendasikan layanan pada orang lain.Jakarta Health Card (JHC) was launched on November 2012, followed by sudden increase number of patient in any hospital accordingly. Jakarta Health Card ease the patient to afford health care without payment. We conducted study on the relation among socio-culture, demographic characteristics, and psychology factors toward patient satisfaction in using JHC. The study subjects were 110 outpatient of UKI Hospital, with study design descriptive quantitative with cross sectional approach. The result showed 40,9% of the patients were satisfied with the hospital service. Factors such as hospital access, motivation, good information and bad information were associated with patient satisfaction significantly, and motivation was the dominant factor. Besides, patient satisfaction also has significant correlation with revisiting/ reusing and recommendation of the hospital to other patients.
Dissertations / Theses on the topic "Bank card cross-border payment"
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"银行卡跨境支付资金清算效率研究." Doctoral diss., 2019. http://hdl.handle.net/2286/R.I.53534.
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abstract: 本论文研究的目的是针对银行卡跨境支付行为，根据不同的跨境支付渠道，结合资金清算的不同模式下的资金清算效率进行研究，并对现有清算系统内，运用理论和模型，对如何提高银行卡跨境资金清算进行阐述分析，力图在现有跨境资金清算金融设施的基础上，对银行卡跨境资金清算的流动性管理、头寸控制、增加清算周期等因素进行研究分析，进而尝试提出清算机制和流程的优化设计，以促进跨境资金提高周转效率，节约社会交易成本和持卡人资金成本。
论文将对相关银行卡跨境支付、清算基本流程、涉及的相关系统进行说明，并对全球和世界主要国家的银行卡市场进行介绍，结合我国银行卡跨境业务的现状、跨境支付清算涉及的主要环节、清算系统，通过不同层次、不同模型的分类比对，提出提高银行卡跨境支付资金清算的关键节点，并加以聚焦、深入测算、推导。研究的最终目的是期望通过对以上的分析，能够对银行卡资金清算参与主体对清算模式的选择、流动性节约、头寸管理等有所帮助，让清算主体能籍此对支付通道、清算模式、账户管理等选择上有所参考，促进卡组织（支付系统）籍此提高清算效率，从而降低整体交易和资金成本，提高支付行业整体资金资源的使用效率。Dissertation/Thesis
Doctoral Dissertation Business Administration 2019
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CHEN, KAI-TING, and 陳凱婷. "Explore Business Strategies for Applying Blockchain Technology in the Cross-Border Third-Party Payment System: A Case Study of Chang Hwa Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/6mgm2r.
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碩士銘傳大學
經濟與金融學系碩士班
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In the face of global competition, the domestic bank's business strategy can no longer be limited to traditional services. Instead, it should combine all relevant industries and use digital innovation and application to establish competitive financial ability and structure for enhancing industry integration and cross-border business performance. This paper first analyzes the changing trend of the financial environment, summarizes the current development status of cross-border third-party payment services, and then, compares the current business model of cross-border third-party payment services in Taiwan's financial industry. By taking Chang Hwa Bank as the example, the Business Model Canvas is applied to analyze how to use blockchain technology on cross-border payment services for Chang Hwa Bank, and is further supplemented by in-depth interviews. It is concluded that Chang Hwa Bank needs to introduce the application of blockchain technology as soon as possible in order to bring about breakthroughs in cross-border payment services. Moreover, for Chang Hwa Bank, it is also necessary to decide between the self-developed blockchain technology and the blockchain professional alliance. The basis for acquiring competitive advantage and the direction of sustainable business considerations can all differ greatly.
Books on the topic "Bank card cross-border payment"
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Committee on Payment and Settlememt Systems. Central bank payment and settlement services with respect to cross-border and multi-currency transactions: Report. Basle: Bank for International Settlements, 1993.
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Dennis, Faber, and Vermunt Niels, eds. Bank Failure: Lessons from Lehman Brothers. Oxford University Press, 2017. http://dx.doi.org/10.1093/law/9780198755371.001.0001.
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This new book analyses the legal and practical issues experienced during the Lehman Brothers litigation, the largest and most complex bankruptcy proceedings in history. By examining the issues the work provides a useful reference source for future large scale and cross-border bankruptcy proceedings of multinational groups. The contributors include experts from the various jurisdictions in which Lehman Brothers was operative, many of whom were involved in the litigation. The chapters set out practical solutions to the issues faced, concerning, for example, the use of existing payment and settlement systems for consent solicitation, filing instructions, and insolvency distributions. Economic challenges, such as the valuation of distressed financial instruments, are also considered. Additionally, the book provides a critique of the current law, analysis of the interpretation and scope of core legal principles and makes recommendations for regulatory reform and judicial cooperation. In this book first-hand accounts by key parties in the insolvency proceedings with expertise on the main issues are complemented by the views of selected independent experts. It is also enhanced by three chapters which further reflect on the Andean legal order.
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Ewa, Butkiewicz, and Barłowski Michał. 24 Poland. Oxford University Press, 2018. http://dx.doi.org/10.1093/law/9780198808589.003.0024.
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This chapter provides an overview of the law of set-off in Poland, both outside and within the context of insolvency. Under Polish civil law, set-off is recognised as a means of meeting liabilities. It fulfils a number of functions in law, including payment and guarantee (collateral) functions. Aside from statutory set-off, a contractual set-off in trade, known as compensation (netting), exists in Poland. The chapter first considers set-off between solvent parties, focusing on statutory set-off, bank set-off, and provisions in the Act on Certain Financial Collateral Instruments that are relevant to compensation. It then examines set-off against insolvent parties, with discussions on standard provisions on set-off after a declaration of insolvency, netting provisions in the Insolvency Act, set-off under bankruptcy with possible settlement, set-off under insolvency with the liquidation of an insolvent estate, and netting under a restructuring proceeding. The chapter concludes with an analysis of issues arising in cross-border set-off.
Book chapters on the topic "Bank card cross-border payment"
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Chiu, Dickson K. W., Winnie N. Y. Yan, Eleanna Kafeza, Matthias Farwick, and Patrick Hung. "Enhancing E-Commerce Processes with Alerts for Credit Card Payment." In Business Enterprise, Process, and Technology Management, 133–47. IGI Global, 2012. http://dx.doi.org/10.4018/978-1-4666-0249-6.ch007.
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With keen competition and the continuous quest for service improvement, e-commerce processes are becoming increasingly complex. Recent adoption of the Service-Oriented Architecture has further facilitated cross-organizational process enactment and enabled e-commerce enhancement. Despite a customer interacting with one website, multiple parties are actually involved at the backend such as logistics, services, and payment. As the payment process is indispensable for transactions, the authors choose this as the case study. To enhance the security of the payment process, credit card providers have already been using secure processing services to encrypt the credit card information. But if an unauthorized person knows the credit card information, they can still perform any payment illegally. To address this problem, the authors design a Notified Credit Card Payment System (NCCPS) to handle the notification and confirmation process enhancement. Through an Alert Management system component, the NCCPS systematically integrates the communication between merchants, banks or credit card service providers, and mobile service providers by the means of Web services and SMS technologies. The NCCPS also integrates with the customer service call center for the cancellation processes and exception handling. The authors demonstrate the effectiveness of the use of Web services and alerts in e-Commerce and process integration.
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Glazzard, Andrew. "The Giant Rat of Sumatra." In The Case of Sherlock Holmes, 218–28. Edinburgh University Press, 2018. http://dx.doi.org/10.3366/edinburgh/9781474431293.003.0021.
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The late story ‘Thor Bridge’ opens with a celebrated passage in which Watson reveals the existence of ‘a travel-worn and battered tin dispatch-box with my name, John H. Watson, MD, Late Indian Army, painted upon the lid’ (Case-Book, 23) in the vaults of the Charing Cross branch of Cox and Co. bank. This was a real bank, founded in 1758 and which specialised as an army agency, responsible for army logistics and payments to officers and men: for its military customers it would have taken care not only of salaries but also of tax, insurance and bills, and it had branches across British India as well as the British Isles. For a former Indian Army doctor, therefore, it would have been a logical choice for placing an account, and its branch at 16–18 Charing Cross was, during the First World War, one of the busiest banks in the world, open all hours for men returning from the front.1 Its wartime expansion could not be sustained and it was taken over by Lloyd’s Bank in 1923, the year after ‘Thor Bridge’ was published in the Strand, although Lloyd’s later sold its Indian operations which eventually became Cox and Kings travel agent, and which flourishes to this day.