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Journal articles on the topic 'Card payment instruments'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Vuong, Duc Hoang Quan, and Dong Phuong Nguyen. "Factors Affecting to Card Payment's Choice: An empirical study of HCM city, Vietnam." International Journal of Case Studies 3, no. 7 (2014): 20–30. https://doi.org/10.5281/zenodo.3523818.

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Cash transaction is still dominant in Vietnam market. Even the advances of information technology have allowed banks and financial institutions introducing new and more efficient products and services but the rate of non cash transaction is modest. Vietnamese are still preferred cash payment. Basing survey data of consumer’s perception toward card payment in HCM city, the aims of this study would shed some light on how individuals choosing payment by card and explain why cash transactions still remain strongly. This paper identified the factors which are affecting the card payment and ex

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2

Cornea, Delia. "Credit card payments: do cultural values matter? Evidence from the European Union." Managerial Finance 47, no. 8 (2021): 1128–48. http://dx.doi.org/10.1108/mf-06-2020-0336.

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PurposeThis study analyzes how cultural and social values shape specific attitudes toward credit cards and indebtedness and consumption behavior.Design/methodology/approachThe study uses a panel dataset for a selection of European Union countries from 2003 to 2016. The relation between credit card use and social and cultural attitudes is constructed by controlling for past habits in payment behavior and cross-substitution with alternative payment instruments by employing a dynamic panel data analysis based on the system Generalized Method of Moments (GMM) estimator.FindingsThe total value of c

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Lintangsari, Nastiti Ninda, Nisaulfathona Hidayati, Yeni Purnamasari, Hilda Carolina, and Wiangga Febranto Ramadhan. "ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 1, no. 1 (2018): 47. http://dx.doi.org/10.14710/jdep.1.1.47-62.

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The payment system is an important component in the economy especially to ensure the implementation of payment transactions made by the public and the business world. In addition, the payment system also plays an important role in supporting financial system stability and implementation of monetary policy. Along with rapid technological developments, patterns and payment systems in economic transactions are constantly changing. Technological advances in the payment instruments shift the role of cash as a means of payment in the form of more efficient and economical non-cash payments. Non-cash

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Feruś, Anna. "State and Prospects for Development of the Payment Card Market in Poland." Folia Oeconomica Stetinensia 24, no. 2 (2024): 100–124. https://doi.org/10.2478/foli-2024-0018.

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Abstract Research background The development of innovative technologies has contributed to significant changes in the market for payment instruments. These changes have become a challenge for banks and have contributed to the continuous expansion of the products they offer, more technologically advanced, which will provide the customer with a high level of security. Banks, in order to meet customer expectations, are developing and improving the most popular distribution channels for their services, which are undoubtedly payment cards. Purpose The aim of the paper is to define and classify non-

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SETIAWAN, Edi, Dery WIRANDHIKA, and Desi PURWANTI. "Analysis of the Impact of Digitalization of the Financial Sector on Inflation in Indonesia Using the Vector Error Correction Model Method." Journal of Tourism Economics and Policy 4, no. 3 (2024): 365–76. https://doi.org/10.38142/jtep.v4i3.1119.

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Digitalization of the financial sector through non-cash payment instrument means brings many benefits to the Indonesian economy, but also has consequences behind it. This research aims to determine the effect of non-cash payment instruments consisting of electronic money and card payment on inflation in Indonesia using the Vector Error Correction Model (VECM) method. The results of this research show that shocks in the value of electronic money transactions and card payments have a positive effect on inflation in line with the quantity theory of money. This paper concludes that the digitalizat

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Triajie, Reyne Amelia, and Munawar Ismail. "ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI (APMK DAN UANG ELEKTRONIK) TERHADAP MONEY MULTIPLIER." Journal of Development Economic and Social Studies 3, no. 2 (2024): 649–57. http://dx.doi.org/10.21776/jdess.2024.03.2.24.

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The increasing use of non-cash payment instruments in Indonesia, such as Card Payment Instrument (APMK) and electronic money, shows public awareness and confidence in switching from cash. This has an impact on the money multiplier. The money multiplier plays an important role in the formation of money supply and monetary control. The stability of the money multiplier can provide greater opportunities for Bank Indonesia to implement policies effectively in influencing the supply of money in circulation so the ultimate goal of monetary aggregates can be achieved and a conducive atmosphere for th

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Volokhata, Viktoriia Ye. "International Experience in the Development of the Payment Card Market and Problems with Functioning of Payment Cards in Ukraine." Business Inform 4, no. 531 (2022): 119–24. http://dx.doi.org/10.32983/2222-4459-2022-4-119-124.

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Cash, payment systems and instruments in modern conditions are the basis of the economy and life of each country, ensuring the possibility of exchange between the owners of certain goods or services, which, in turn, is one of the main conditions for the existence of credit and the State. The presence of a bank payment card gives its owner a number of advantages, including convenience during the calculation, reliability of saving the own funds, paying bills online. Bank payment cards are effective and profitable for all participants of the payment system, as evidenced by their rapid spread. For

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Putra, Hari Setia, Mutia Huljannah, Ali Anis, and Zul Azhar. "Debit and Credit Cards: Money Velocity Risks." Jurnal Ekonomi & Studi Pembangunan 22, no. 2 (2021): 228–43. http://dx.doi.org/10.18196/jesp.v22i2.11208.

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Payment system innovations as the efforts to meet the people’s needs have recently risen several new non-cash-based payment instruments, such as card-based payment transactions. The upheaval of card-based non-cash transactions has indirectly shifted the role of cash in the society. This research aims to see the effect of cards as payment instruments represented by both debit and credit cards on money velocity in Indonesia within the period of 2016M1 to 2020M6 using the VECM (Vector Error Correction Model) analysis method. The research findings show that long-run card-based payment instrument h

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9

Trütsch, Tobias. "The impact of mobile payment on payment choice." Financial Markets and Portfolio Management 30, no. 3 (2016): 299–336. http://dx.doi.org/10.1007/s11408-016-0272-x.

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Abstract This paper investigates the effect of mobile payment on the adoption and use of traditional payment instruments such as cash, checks, and credit, debit and prepaid cards at the point of sale (POS). Data are from a 2012 representative survey on consumer payment choice in the United States. Using discrete-choice random utility models to simulate consumer behavior, the estimation provides two major findings. First, mobile payment does not replace physical payment cards, but is likely to substitute for paper-based payment methods such as cash and checks at the adoption stage. Second, mobi

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Hasniawati, Nur Annisa, Eva R. Lase, and Akhis R. Hutabarat. "Indonesian Household Payment Choice: A Nested Logit Analysis." Journal of Central Banking Theory and Practice 9, s1 (2020): 291–313. http://dx.doi.org/10.2478/jcbtp-2020-0032.

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AbstractWe examine the preferences of respondents for six types of payment instruments, namely cash, debit and credit cards, card and server-based electronic money, and internet or mobile banking. By applying a nested logit model to 500 household data covering six provincial capitals in Indonesia, we find that the decision to choose payment instruments is made sequentially. Socio-economic characteristics, including education, age, income, and transaction objectives or functionality have a significant effect on the probability of using non-cash electronic payment instruments. We find a substitu

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Givelyn, Irvi, Siti Rohima, Mardalena Mardalena, and Fera Widyanata. "The Impact of Cashless Payment on Indonesian Economy: Before and During Covid-19 Pandemic." Jurnal Ekonomi Pembangunan 20, no. 1 (2022): 89–104. http://dx.doi.org/10.29259/jep.v20i1.17898.

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This study aims to analyze the impact of cashless payments on Indonesia’s economy, before and during the COVID-19 pandemic. The economic growth in this study is calculated through GDP at constant price and the cashless payment in this study are represented by transactions through debit card, credit card, and e-money. The data used in this study uses secondary data in the form of time series data from January 2018 to December 2022. The data was obtained from the Central Bank of Indonesia (BI) statistic data and Statistics Indonesia (BPS). The analytical method used in this study is the Autoregr

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Maslov, Dmytro S. "Introduction of the Central Bank’s Digital Currency in Ukraine: Analysis and Prospects." Business Inform 11, no. 550 (2023): 248–57. http://dx.doi.org/10.32983/2222-4459-2023-11-248-257.

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The aim of the article is to analyze the prospects for the introduction of the central bank’s digital currency in the Ukrainian economy. The e-hryvnia can become an alternative to traditional payment transaction instruments, providing a simpler, more secure, and more reliable ability to make payments for services, goods, and various transactions. The article discusses the introduction of the e-hryvnia as a digital currency of the central bank in Ukraine. The issues related to the economic essence of the e-hryvnia are considered, the evolution of forms of money is studied, the main characterist

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Wasiaturrahma, Wasiaturrahma, and Anita Lucky Kurniasari. "ELECTRONIC PAYMENT AND ECONOMIC GROWTH IN INDONESIA." Journal of Developing Economies 6, no. 2 (2021): 287. http://dx.doi.org/10.20473/jde.v6i2.24923.

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The purpose of this study is to investigate the effect of non-cash payment transactions on economic growth in Indonesia and to see the responses from supporting variables, such as the velocity of money and the price of transactions. This study involves a Vector Error Correction Model (VECM) analysis tool, using monthly time series data during 2009: 1 – 2017: 12. The results show that the payment instrument affects economic growth, especially the Card-Based Payment Instrument (CBPI). In addition, there are changes to the velocity of money and prices caused by the increase in the use of non-cash

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Luthfy, Aththur Desmadirega, and Hermana Budi. "The Comparison of ATM/Debit Card, Credit Card, and E-Money Transactions in Indonesia Before and After the Covid-19 Pandemic Period January 2018 - August 2023." Journal of Economics, Finance and Management Studies 06, no. 12 (2023): 5848–56. https://doi.org/10.5281/zenodo.10404129.

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The use of various electronic payment media found an unexpected momentum when the world experienced the COVID-19 pandemic. The public's usage of electronic payment media has increased, contributing to social limitations because shopping may be done remotely via mobile devices or other remote access. The purpose of this research is to analyze the differences in transactions of Payment Using Cards and Electronic Money in Indonesia before and after the COVID-19 pandemic. The data source is the Central Bank's Indonesian Banking Statistics, with monthly data ranging from January 2018 to August 2023

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Larasati, Gita Azura, and Nugroho Sumarjiyanto Benedictus Maria. "Pengaruh Sistem Pembayaran Non Tunai terhadap PDB Indonesia Tahun 2011-2021." Diponegoro Journal of Economics 12, no. 2 (2023): 21–32. http://dx.doi.org/10.14710/djoe.37683.

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The development of technologies that demand faster and easier operation also encourages the development of payment systems, which is one of the components that can support economic growth. Innovation in the non-cash payment system developed by Bank Indonesia can help people to be able to do transactions easier and faster to fulfill their needs. This study aims to find out the effect of the non-cash payment system using electronic money (e-money) and Card-Using Payment Instruments (APMK) with debit/ATM cards and credit cards on Indonesia's Gross Domestic Product (GDP). The methods used in this

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Sitanggang, Romauli, Harin Tiawon, and Diana Beatris. "E-money and card payment instruments affect money speed in Indonesia." Journal Magister Ilmu Ekonomi Universtas Palangka Raya : GROWTH 10, no. 2 (2024): 55–63. https://doi.org/10.52300/grow.v10i2.18990.

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This comprehensive study is meticulously designed to thoroughly examine and elucidate the profound impact that electronic money, commonly referred to as e-money, along with various payment instruments that utilize cards, has on the dynamics of money circulation within the economic landscape of Indonesia. To achieve this objective, the research methodology employed in this investigation is a rigorous multiple linear regression analysis, which is conducted with the sophisticated statistical software known as EViews 9, and it is imperative to note that the type of data utilized in this research i

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Krasova, Elena, and Roman Grivanov. "Trends in Development of Russian National Payment System Under Growing Foreign Political Pressure." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 4 (December 2022): 119–31. http://dx.doi.org/10.15688/ek.jvolsu.2022.4.10.

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The article deals with Russian national payment system (NPS) development and considers it through the factor of growing geopolitical pressure. The main scientific and practical problem of the article is increasing risk of political, financial, economic and social damage for Russia as a result of Western countries’ sanctions. The purpose of the research is to identify key trends in Russian NPS development under intensified foreign political pressure. The methodological and conceptual basis of the article includes theories of sustainable socio-economic development, financial markets and public f

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SACHIN SAHU and Prof. MATHEW THATTIL. "A Secondary study of RBI Digital Currency – CBDC." Journal of Global Economy 19, no. 2 (2023): 79–85. http://dx.doi.org/10.1956/jge.v19i2.690.

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The world has moved on to a digital platform for its daily needs and uses. We in India also took this step toward digitalization in a stronger and forceful way from 2014 onwards, through setting up of digital infrastructure. Various start-ups took the initiative to make India a digital player. Digital payment is one such initiative taken by India even though we had digital payment systems in place before 2014 (we already had apps like paytm and NPCI since 2008) but the development through focused approach started post 2014. Digital payment means the transaction of money through electroni

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Atanasova, Magdalena. "Impact assessment of European policies for combating payment card fraud on the Stakeholders." SHS Web of Conferences 120 (2021): 02019. http://dx.doi.org/10.1051/shsconf/202112002019.

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The security of non-cash payment instruments is a key factor for the economic stability of the European Union. Crime with electronic payment instruments and related illegal activities affect the Digital Single Market and the financial interests of the European Union. Organized crime groups generate € 1.44 billion a year in the Community from payment card fraud, with illegal proceeds reinvested in illegal activity and not recovered. The current scientific article aims to assess an ex-post impact of European policies for combating payment card fraud and counterfeiting on the stakeholders, in par

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Semerikova, Ekaterina. "Payment instruments choice of Russian consumers: reasons and pain points." Journal of Enterprising Communities: People and Places in the Global Economy 14, no. 1 (2019): 22–41. http://dx.doi.org/10.1108/jec-09-2019-0089.

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Purpose The paper aims to explore reasons for choosing different payment instruments and pain points from using them in a Russian context. It proposes that given the expansion of the range of personal payment instruments, the choice for payment is now influenced by many factors, including the type of financial provider and potential benefits for consumers. Design/methodology/approach This paper is an exploratory study that uses data from the qualitative research conducted in three Russian cities (Moscow, Yekaterinburg and Saratov) based on 50 online payment diaries and 12 group discussions. It

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Dziubliuk, Oleksandr. "Bank payment cards as the main form of modern monetary relations and basis of money circulation." Economic Analysis, no. 34(1) (2024): 152–64. http://dx.doi.org/10.35774/econa2024.01.152.

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Introduction. Today, payment cards are a key tool for remote access of money holders to bank accounts and a means of moving funds through the financial sector, and therefore are the main driver of the organization of payment services. This allows to assert that the development of banking operations with payment cards is of fundamental importance for ensuring the smooth functioning of settlement systems, improving the mechanisms of monetary regulation and providing the economy with an adequate amount of means of payment, which decisively depends on the effective organization of money circulatio

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Ahmad, Wahida, Nur Hazimah Amran, Noor Azillah Mohamad Ali, and Amir Alfatakh Yusuf. "A Blessing in Disguise: Covid-19 Pandemic and the Emergence of E-Payment." Information Management and Business Review 15, no. 1(I)SI (2023): 27–36. http://dx.doi.org/10.22610/imbr.v15i1(i)si.3387.

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E-payment offers efficiency in terms of speed, security, convenience, and cost, especially during this pandemic. The study involves monthly data that spans from January 2016 to June 2021. This study aims to investigate selected payment channels and instruments' influence on retail e-payment transactions. The study is also interested to examine the interaction effects of Covid-19 on the relationship between credit card usage and retail e-payment transaction. The study employs Newey-West standard error regression in achieving the objectives. It is proven that traditional e-payment channels such

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Lukovnikova, N. S. "Specifics of using credit banking instruments in conditions of the Russian banking system development." Financial Analytics: Science and Experience 13, no. 4 (2020): 383–97. http://dx.doi.org/10.24891/fa.13.4.383.

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Subject. Uncertainty and risks of the banking system development have increased against the background of identified inefficient credit and payment instruments. The conceptual framework for the said system development includes not only the State support to backbone banks, but also establishing the cause-effect relationship between the offered banking product and the service, and the conditions and legal grounds stipulated for banks, having basic and universal licenses. Objectives. The purpose is to identify the specifics of banking operations related to credit products, considering the changes

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Mints, Aleksey, Oleh Kolodiziev, Mykhailo Krupka, Bohdana Vyshyvana, and Lesya Yastrubetska. "A cross-impact analysis of the bank payment card market parameters and non-financial sectors’ indicators in the Ukrainian economy." Banks and Bank Systems 17, no. 2 (2022): 163–77. http://dx.doi.org/10.21511/bbs.17(2).2022.14.

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In Ukraine, card payment systems develop at a rate similar to that of modern digital payment instruments in most European countries. The purpose of the paper is to establish interdependence and explain the nature of changing situations in the market of bank payment cards (BPC) taking into account the dynamics of economic development parameters in non-financial sectors of the Ukrainian economy. The methodology of the study includes graphic methods analyzing the dynamics of economic development indicators and a method for analyzing the cause-and-effect relationship between the studied parameters

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Feruś, Anna. "Development of the Payment Cards Market in Poland in the Era of the Covid-19 Pandemic." Folia Oeconomica Stetinensia 22, no. 1 (2022): 46–62. http://dx.doi.org/10.2478/foli-2022-0003.

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Abstract Research background: In the era of the COVID-19 pandemic, the tendency of bank customers to use mobile banking is increasing. This is primarily due to the perceived ease and benefits of its use and the subjective assessment of the level of security of such a system. The main goal will therefore be to create such a mobile banking system, which in the era of pandemics, in addition to an easy-to-use interface, will also offer increasingly advanced technological solutions that will provide the customer with a high level of security. In order to meet the expectations of customers, banks wi

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Denisanjaya, Marcellina, and Yovita Arie Mangesti. "PERTANGGUNGJAWABAN PIDANA PIHAK KREDITUR YANG MEMPEKERJAKAN DEBTCOLLECTOR DALAM PENYELESAIAN KREDIT MACET." Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance 2, no. 1 (2022): 654–72. http://dx.doi.org/10.53363/bureau.v2i1.159.

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In this study, it will examine the criminal liability of creditors who employ debtcollectors in collecting bad debts. Card-Based Payment Instruments (APMK) regulated in PBI (Bank Indonesia Regulation) Number 14 of 2012, one example of a payment instrument that is often used by the public is the use of Credit Cards. With this payment instrument, it can pose several risks for the community, a problem that often occurs is delays or overdue in paying credit card bills. Until it finally causes credit bottlenecks in payments and also the nominal collection that is increasing due to late fees. The ex

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Sudibyo, Sri Darmadi, Mohammad Syamsul Maarif, Anggraini Sukmawati, and M. Joko Affandi. "ANALYSIS OF FACTORS AFFECTING PEOPLE'S BEHAVIOR IN USING ELECTRONIC PAYMENT INSTRUMENTS." Jurnal Organisasi dan Manajemen 14, no. 2 (2018): 108–19. http://dx.doi.org/10.33830/jom.v14i2.156.2018.

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Tujuan penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi perilaku masyarakat menggunakan Alat Pembayaran Elektronik (APE). Pengertian APE dalam penelitian ini dibatasi pada kartu debet dan kredit. Penggunaan APE di Indonesia saat ini masih menghadapi permasalahan yang kompleks. Data yang digunakan dalam penelitian ini adalah data primer dengan memberikan kuesioner kepada responden. Survei dilakukan kepada masyarakat di wilayah Jakarta, Bogor, Depok, Tangerang dan Bekasi (Jabodetabek) dengan total responden 400 orang. Pengambilan sampel dilakukan dengan teknik purposive s

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Aurazo, Jose, and Milton Vega. "Card Acceptance by Small Merchants: An Application of the Tourist Test to Peru." Review of Network Economics 20, no. 2 (2021): 101–37. http://dx.doi.org/10.1515/rne-2021-0024.

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Abstract This paper presents a first estimation of the tourist test threshold for interchange fees that makes Peruvian small merchants indifferent between accepting cash and debit cards at the point of sale. We use the tourist test model (initially proposed by Rochet and Tirole), including tax evasion (Aurazo and Vasquez’s model) as an extra factor in the merchants’ decision between cash and card payments. Also, we revisit the existing empirical approaches and propose a new empirical approach, coined as the cash-flow approach, which assumes that small merchants estimate the overall cost in ter

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Haida, Nur, and Qushay Yahya. "Analisis Implementasi Produk Hasanah Card pada BNI Syariah Kota Cirebon." Ecobankers : Journal of Economy and Banking 1, no. 2 (2020): 28. http://dx.doi.org/10.47453/ecobankers.v1i2.98.

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Payment is one of the important activities in every transaction in economic activities. With the rapid development of technology, the more and the greater the value of transactions and risks, we need a payment system and payment instruments that are fast, smooth, and safe. The success of the payment system will be able to support the development of the financial and banking system. Conversely, the disruption or failure of the payment system will have an adverse impact on economic stability. Hasanah Card is one of the products from PT. BNI Syariah Bank is offered and aims to further improve the

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Lobo, Breno, Ricardo Mourão, and Angelo Duarte. "The Brazilian payments landscape : Regulation, recent developments, and challenges." Journal of Payments Strategy & Systems 19, no. 2 (2025): 170. https://doi.org/10.69554/tsiy1782.

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This paper explores the evolution of the Brazilian retail payments market, focusing on the regulatory framework, recent developments and emerging trends. Prior to 2013, the legal mandate of the Central Bank of Brazil (BCB) as regards payment service providers (PSPs) was limited to financial institutions. However, the implementation of Law no. 12,865/2013 brought powers to regulate, supervise and oversee not only payment schemes and their managers, but also payment institutions (ie non-financial firms offering payment services). Key initiatives in this realm include the development of Pix, an i

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I Kadek Ary Astrawan, I Nyoman Putu Budiartha, and Ni Made Puspasutari Ujianti. "Perlindungan Hukum Bagi Pemegang Kartu E-Money Sebagai Alat Pembayaran dalam Transaksi Non Tunai." Jurnal Interpretasi Hukum 2, no. 2 (2021): 366–71. http://dx.doi.org/10.22225/juinhum.2.2.3442.366-371.

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Technological developments have brought changes to payments in the form of cash in the form of conventional metal and paper, which have now developed in the form of electronic payment instruments. One means of payment with an electronic or non-cash system is by using an E-Money card. Through Bank Indonesia Regulation Number 20/6 / PBI / 2018, regulations have been stated regarding the application of consumer protection principles which also regulate the financial loss compensation mechanism but have not clearly and in detail how the compensation mechanism is. In this case there is a blur of no

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Marit, Alexandru. "Operations and transactions carried out through bank cards. Evolution and innovation." Moldoscopie, no. 1(100) (December 2024): 90–99. https://doi.org/10.52388/1812-2566.2024.1(100).09.

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As people’s daily lifestyle becomes digital, people interact more frequently with online services and generate increasing amounts of personal data, the bank card appears as a modern invention of cashless payment. In fact, banks evolve in a competitive climate, this being the most favorable environment for obtaining banking income. All these premises guide banks on the path of developing their transactions, complicating funds transfer systems, increasing their speed and security. Banking operations, which have as their object payment instruments and techniques, represent an area of major import

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Uglitskikh, Olga N., Yulia E. Klishina, and Nikolay N. Uglitskikh. "FINANCIAL INSTRUMENTS: BANK PLASTIC CARDS AND THEIR TURNOVER DURING THE PANDEMIC." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 7/2, no. 127 (2022): 60–67. http://dx.doi.org/10.36871/ek.up.p.r.2022.07.02.009.

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The authors consider a bank card as a payment financial instrument. The analysis of the card business of one of the largest Russian banks VTB Bank (PJSC) is carried out, the characteristics of the positive directions in the turnover of plastic cards are given and a critical look at the unfinished areas is given. As a result of the study, the features of issuing plastic cards during the pandemic are revealed, attention is paid to the sanctions imposed by foreign banks after the start of Russia's military operation to protect the Luhansk and Donetsk People's Republics. Methods for analyzing and

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Iftiatul Farkhiyah and Sukamto. "TINJAUAN MAQASHID AL-SYARIAH DALAM PRODUK iB HASANAH CARD PERBANKAN SYARIAH." Jurnal Mu’allim 2, no. 1 (2020): 94–109. http://dx.doi.org/10.35891/muallim.v2i1.2324.

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In the 21st century, the number of APMK (Card-BasedPayment Instruments) is increasing every year. Syariah Card inIndonesia has developed quite rapidly, this is influenced by thecontribution of the sharia card which cannot be underestimated in thewheels of the economy. This product can provide convenienceservices for cardholders such as cash shopping, zakat, insurance,mobile banking, electricity payments, PDAM through interest-freetransaction of sharia contracts. However, until now the existence of thesyariah card is still being debated by various parties because it hasnegative impacts includin

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Ali, Anis, and Anas A. Salameh. "Payment and settlement system in Saudi Arabia: A multidimensional study." Banks and Bank Systems 18, no. 1 (2023): 38–52. http://dx.doi.org/10.21511/bbs.18(1).2023.04.

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A country’s payment and settlement system refers to payment means or instruments, procedures, supportive and technical services of clearance, fund transfer, and final settlement. To study the various dimensions of the payment and settlement system, an online survey was administered and 240 responses were collected from Saudi and non-Saudi nationals, while secondary data were obtained from the SAMA (Saudi Arabian Monetary Authority) website. Index numbers, percentages, ranks, Average Trend Growth Rate, and payment weights means are applied to get the mutual growth trend, average growth, and con

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Sutono, Sutono. "Hasanah Card BNI Syariah Sebagai Alat Transaksi dalam Perspektif Maqasid As-Shariah." Jurnal Ilmiah Ekonomi Islam 8, no. 3 (2022): 2977. http://dx.doi.org/10.29040/jiei.v8i3.6778.

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Along with the development of the population which is increasingly increasing, so also the needs that must be met by each individual to obtain goods or services are also increasing. Before the introduction of money, transactions were made by barter. Due to difficulties in the similarity of desires for the type of goods to be exchanged (Due difficulties in the similarity), the most effective means of exchange, namely money, emerged. Therefore, financial institutions based on banking and non-banking, both conventional and sharia are known as institutions that meet the expectations of the communi

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Grzelczak, Marlena, and Radosław Pastusiak. "Cashless Payments and Economic Growth in Selected European Countries." Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia 54, no. 3 (2020): 33. http://dx.doi.org/10.17951/h.2020.54.3.33-46.

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<p>Purpose of the article: The aim of the paper was to show connections between the instruments of cashless payments and economic growth. The goal was to find the answers to the following research questions: What is the current share of payments with the use of particular forms of cashless payments in total payments?; What forms of cashless payments are connected with economic growth measured by real GDP per capita in the group of countries of Central and Eastern Europe and Western Europe?; What is the relation between the value of cashless payments and economic growth measured by real G

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Agustiawati, Putri Aulia, Sishadiyati icebgc, and Ni Made Nadia Resmarani. "Analysis of the Impact of APMK & UE as a Non-Cash Payment Instrument on Indonesia’s Economic Growth." Proceedings of International Conference on Economics Business and Government Challenges 6, no. 1 (2023): 242–47. http://dx.doi.org/10.33005/icebgc.v6i1.82.

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Rapid technological developments encourage payment systems to be more effective and efficient for the community. At this time the payment system has developed into a non-cash basis. The non-cash Payment System consists of Card-Based Payment Instruments, namely ATM/Debit Cards and Credit Cards, as well as Electronic Money (E-money). The purpose of this research is to find out whether the non-cash payment system affects economic growth in Indonesia. This research uses quantitative methods and secondary data obtained from Bank Indonesia and the Central Statistics Agency (BPS) for the 2009-2021 pe

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Trisan, Yuani, and I. Ketut Sutrisna. "Analisis Pengaruh Alat Pembayaran Menggunakan Kartu (APMK), Pendapatan Nasional, dan Inflasi Terhadap Konsumsi di Indonesia." E-Jurnal Ekonomi Pembangunan Universitas Udayana 11, no. 1 (2022): 103. http://dx.doi.org/10.24843/eep.2022.v11.i01.p05.

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There are many reasons why macroeconomic analysis needs to pay attention to household consumption in depth. The first reason, household consumption provides income to the National Income. In most countries, expenditures account for about 60-75 percent of National Income. The second reason is that household consumption has an impact in determining fluctuations in economic activity from one time to another. This study aims:1) To determine and analyze the effect of non- cash transactions, national income, and inflation simultaneously on consumption; and 2) To find out and analyze the effect of no

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Repousis, Spyridon. "Money laundering and Greek banking payment and settlement systems." Journal of Money Laundering Control 19, no. 1 (2016): 58–69. http://dx.doi.org/10.1108/jmlc-12-2014-0049.

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Purpose – The purpose of this paper is to identify, categorize and describe the Greek banking payment and settlement systems and the way to SEPA. Also, the purpose is to describe authorities that supervise money laundering through Greek payment systems and identify major categories of suspicious transaction reports and amounts of criminal assets per each category. Design/methodology/approach – The Bank of Greece, central bank of Greece, has explicit tasks in the field of payment and settlement systems. In Greece, there are three payment and settlement systems: large-value payment system (TARGE

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Manullang, Elisa Betty, and Primus Paroloan Simarmata. "Study of Literature on Business Ethics for Entrepreneurs." TRANSFORM : Journal of English Language Teaching and Learning 12, no. 3 (2023): 170. http://dx.doi.org/10.24114/tj.v12i3.52343.

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Bank Indonesia as the monetary authority is responsible for the smooth running of the payment system. In general, the payment system in Indonesia is divided into two, namely the cash payment system and the non-cash payment system. In the cash payment system, the tools used are in the form of currency or commonly called banknotes and coins as a means of payment. Then in the non-cash payment system, the tools used are Card-Based Payment Instruments, bilyet giro, checks, debit notes, and the latest instruments, namely electronic money. The range of cashless payment systems is divided into two typ

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Korobeynikova, Olga, Dmitry Korobeynikov, and Lyudmila Stefanovich. "Consumer Lending Instruments in the Context of COVID-19." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 4 (February 2022): 180–91. http://dx.doi.org/10.15688/ek.jvolsu.2021.4.14.

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The purpose of the article is to assess the use of consumer lending tools in the context of COVID-19 restrictions and predict the development directions of digital credit innovations in the consumer segment. It has been established that digital innovation in consumer lending is proceeding at a high rate, digital ecosystems, platforms and services are being formed. The qualitative side of the changes is characterized by the creation of new and modernization of traditional lending instruments produced by traditional banks and non-banking organizations. The COVID-19 pandemic has accelerated the s

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,, Sekar Salma Salsabila, and Pranoto ,. "EKSISTENSI KARTU KREDIT DENGAN ADANYA ELECTRONIC MONEY (E-MONEY) SEBAGAI ALAT PEMBAYARAN YANG SAH." Jurnal Privat Law 7, no. 1 (2019): 31. http://dx.doi.org/10.20961/privat.v7i1.30092.

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<p>Abstract<br />This paper discusses about the existence of credit cards after electronic money (e-money) as a legitimate <br />payment instrument. This method of legal writing using normative legal research methods. Regulation <br />of Bank Indonesia Number 16/8/PBI/2014 about Amendment to Regulation of Bank Indonesia Number <br />11/12/PBI/2009 about Electronic Money raises non-cash payment instruments in addition to credit cards, <br />debit cards and ATM namely e-money as part of the legitimate payment instrument in Indonesia. This <br />causes th

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Kaur, Kamalpreet, and Mandeep Kaur. "Differentiating Adopters and Non-adopters of Smart Cards: Comparative Analysis of Public, Private and Foreign Sector Banks in India." Vikalpa: The Journal for Decision Makers 38, no. 3 (2013): 67–78. http://dx.doi.org/10.1177/0256090920130305.

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Progressive development in the field of information technology (IT) has brought in remarkable changes in the products as well as methods of payment and settlement system in the banking sector. In India, various types of payment systems are functioning apart from the traditional payment systems where the instruments are physically exchanged and settled manually. Smart cards are a new form of retail payment instrument, installed to facilitate retail transactions through electronic means. In 1999, the Reserve Bank of India issued guidelines to the banks regarding introduction and usage of smart c

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Titalessy, Pisi Bethania. "Cashless Payments and its Impact on Inflation." Advances in Social Sciences Research Journal 7, no. 9 (2020): 524–32. http://dx.doi.org/10.14738/assrj.79.9074.

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Payment with a non-cash system can simplify transactions and are increasingly used. The advantages of non-cash payments are not only due to convenience, speed up transaction time, and time savings but also the benefits that can reduce the circulation of money in the community. The less the amount of physical money in circulation, it will indirectly affect the inflation rate. However, there are inconsistency of research results regarding the relationship of non-cash transactions and inflation. These issues constitute a research gap on cashless payments and inflation in Indonesia. This study aim

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Billah, Tsiqoh billah. "Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office." Archives of Business Research 8, no. 4 (2020): 146–54. http://dx.doi.org/10.14738/abr.84.8136.

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This study is a qualitative study aimed at explaining Bank Rakyat Indonesia's mobile banking (m-Banking) services the Jember Sub-Branch Office and to find out BRI's strategy in improving m-Banking service as a reliable product for customers. The progress of the business system with the e-commerce system makes consumers switch ways by using non-cash payment methods (cashless). Technological advancements in the banking sector have encouraged the banking sector to be more innovative in providing non-cash payment services in the form of a transfer system and payment instruments in the form of elec

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Wang, Lu, and Wu Song Wen. "Design of RFID Reader Based on Protocol of ISO/IEC 14443 TYPE A." Applied Mechanics and Materials 268-270 (December 2012): 1855–58. http://dx.doi.org/10.4028/www.scientific.net/amm.268-270.1855.

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The technology of RFID is used extensively in access control for office buildings, payment systems for public transport, and other applications. In this paper, using the Texas Instruments semiconductor chip of TRF7960 and the single-chip microcomputer of PIC16F877, a new design scheme of RFID reader is proposed, which conforms to ISO/IEC 14443 TYPE A standard. And the methods of anti-collision, three pass authentication, coding and decoding are discussed in detail. Test results present that this reader has high accuracy ratio, can identify the contactless smart cards in about ten centimeters,

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Murti, Z., A. I. Yanuar, D. P. Tasurun, et al. "Lifecycle Assessment of the Contact Smart Card Product in Indonesia." IOP Conference Series: Earth and Environmental Science 1108, no. 1 (2022): 012020. http://dx.doi.org/10.1088/1755-1315/1108/1/012020.

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Abstract Smart Contact Cards have been widely used in Indonesia, especially in the banking sector. Bank Indonesia data shows an increase in the production of Card-Based Payment Instruments (APMK) consisting of Credit Cards, Debit Cards and Debit+ATM Cards. This is also followed by an increase in transactions using APMK from year to year. The large amount of contact Smart Card waste that is disposed of every year presents a major risk of environmental pollution. This study evaluates the potential environmental impact of the contact Smart Card product based on a life cycle assessment (LCA). The

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Widhyaestoeti, Dahlia, Ricki Hardiyanto, Safarudin Hidayat Al Ikhsan, and Jejen Zaenudin. "Penerapan RFID pada Aplikasi Pembayaran Nontunai Kantin Sekolah (Studi Kasus: Kantin SD Negeri Gunungpuyuh Cipta Bina Mandiri)." Jurnal Informatika Universitas Pamulang 8, no. 1 (2023): 32–40. http://dx.doi.org/10.32493/informatika.v8i1.23205.

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The canteen of SD Negeri Gunungpuyuh Cipta Bina serves students and teachers using a cash payment system. This cash payment creates problems for canteen managers, namely having to be ready with change and payment queues. During the Covid-19 pandemic, canteen managers are required to follow health protocols, one of which is to keep a distance to minimize the spread of the virus. An application is needed by canteen managers to change cash transaction activities into non-cash transactions. The application of RFID (Radio Frequency Identification) technology, as well as Web-based applications, are

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Sinambela, Ella Anastasya, and Didit Darmawan. "Strengths and Weaknesses of Using Electronic Money as a Substitute for Cash." Journal of Social Science Studies (JOS3) 2, no. 2 (2022): 56–68. http://dx.doi.org/10.56348/jos3.v2i2.27.

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Economic activities that utilize the sophistication of information technology that helps make it easier for people to make buying and selling transactions. The use of electronic money as an alternative to non-cash payment instruments shows considerable potential to suppress the growth rate of cash use. This study aims to determine the advantages and disadvantages of using electronic money as a substitute for cash. The results of this study are that people like the advantages of electronic money, such as how to transact with electronic money which is known to be relatively easy, just by bringin

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