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Dissertations / Theses on the topic 'Cashless payment'
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Neto, Fernando Hamilton Manuel. "Cashless payment methods for informal traders." Thesis, Cape Peninsula University of Technology, 2017. http://hdl.handle.net/20.500.11838/2471.
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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2017.Over the past decade there was an increase in the availability and usage of cashless payment methods in Africa. Cashless payments allow users to make payments without using cash, and offer multiple benefits to both customers and merchants.These benefits include reduced costs, improved sales, improved security, convenience, etc. However, despite the increased variety, availability and popularity of cashless payment solutions in Africa, the usage of cashless payments methods in Africa is still mostly limited to money remittance and retail payments. While formal traders such as retailers are slowly adopting and reaping the benefits of cashless payments, the large majority of informal traders across the continent are yet to adopt cashless payments and still limited to use cash as their main (and often only) payment method. How cash and cashless payment methods differ from the informal trader’s point of view is not known yet; this study seeks to understand why cashless payment methods are yet to gain popularity amongst informal traders and meanwhile cash is widely adopted and used. This research analyses the characteristics, needs and limitations of informal traders and evaluates the ability of both cash and cashless payment methods to satisfy their payment needs.
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Baniulė, Toma, and Kristina Raudytė. "Lietuvoje veikiančių komercinių bankų elektroninės bankininkystės paslaugų analizė ir perspektyvų vertinimas." Bachelor's thesis, Lithuanian Academic Libraries Network (LABT), 2011. http://vddb.laba.lt/obj/LT-eLABa-0001:E.02~2011~D_20110802_143555-69510.
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Bakalauro baigiamajame darbe nagrinėjama Lietuvoje veikiančių komercinių bankų elektroninės bankininkystės paslaugos 2006 – 2010 m. laikotarpiu. Pirmoje darbo dalyje pateikiami teoriniai elektroninės bankininkystės aspektai. Antroje darbo dalyje atlikta elektroninės bankininkystės paslaugų analizė: nustatyta, jog bankų pajamų iš elektroninės bankininkystės paslaugų rodikliai buvo pasiskirstę gana netolygiai; elektroninės bankininkystės vartotojų skaičius visuose bankuose didėja. Negrynųjų pinigų atsiskaitymus palyginus su grynųjų pinigų atsiskaitymais nustatyta, jog negrynieji pinigai labiausiai yra naudojami didelės sumos operacijoms atlikti. Atlikus mokėjimo kortelių operacijų įvertinimą nustatyta, jog Lietuvos vartotojai 2006 – 2010 m. buvo linkę atsiskaitinėti grynaisiais pinigais, tačiau ši tendencija ateityje turėtų pasikeisti. Koreliacinės – regresinės analizės metu nustatyta, jog negrynųjų pinigų atsiskaitymų ryšys su grynųjų pinigų atsiskaitymais yra atvirkštinis, o negrynųjų pinigų atsiskaitymų ir šalies BVP – tiesioginis. Atlikus elektroninės bankininkystės perspektyvų vertinimą, nustatyta, jog elektroninė bankininkystė Lietuvoje ir toliau plėsis.Bachelor final work examines e-banking services of the commercial banks operating in Lithuania, for the period of year 2006 – 2010. The first part presents the theoretical aspects of electronic banking. The second part of the work presents the carried out analysis of electronic banking services: the figures of established banking income from electronic banking services were quite unevenly distributed; the number of users of electronic banking is increasing for all banks. Non-cash payments were compared to the cash payments, which showed that most non-cash money is used for transactions of large sums of money. The evaluation of payment card operations showed that residents of Lithuania in period of year 2006 – 2010 tended to pay with cash, but this trend should change in the future. The correlation – regression analysis showed that there is inverse relation between non-cash payments and cash payments and direct relation between non-cash payments and Lithuanian’s GDP. The qualitative assessment of prospects for online banking showed that e-banking in Lithuania continues to grow.
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Hasnaoui, Amir. "Intention d'adoption et utilisation d'une technologie émergente : le cas de la NFC appliquée aux systèmes de paiement électronique de détail (paiement sans contact)." Thesis, Evry, Institut national des télécommunications, 2012. http://www.theses.fr/2012TELE0005.
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Avec l’émergence de la technologie en champ proche (NFC), le terminal mobile est devenu un véritable instrument de paiement sans contact. Ce type de système constitue une nouvelle opportunité pour relancer les systèmes de paiement électronique (SPE) destinés aux micropaiements. L’objectif de cette recherche est de développer un modèle et des instruments de mesure permettant d’appréhender et de cerner les facteurs influençant l’acceptation de ces systèmes. En se basant sur les paradigmes de l’acceptation des technologies et les travaux de recherche autour des SPE, nous avons développé un modèle conceptuel qui intègre à la fois la TUAUT et l’ATT. Notre modèle permet à la fois de tenir compte des stratégies d’adoption des individus et de leur intention d’adoption. En effet, l’utilité perçue, la facilité d’utilisation perçue et les conditions facilitatrices ne sont plus suffisantes pour qu’une technologie soit adoptée. Il faut désormais que les caractéristiques de cette technologie conviennent et répondent aux caractéristiques et aux exigences de la tâche qu’elle va supporter. Nos résultats ont été mesurés et validés à l’aide d’une analyse par équations structurelles des données collectées auprès d’un échantillon de 629 individusWith the emergence of near-field technology (NFC), mobile terminal have become a true instrument of contactless payment. This type of system is a new opportunity to boost the electronic payment systems (EPS) for the micropayment. The objective of this research is to develop a model and measurement tools to handle and to identify factors influencing the acceptance of these systems. Based on the paradigms of the acceptance of technology and research around the SPE, we have developed a conceptual model which integrates the UTAUT and TTF. This model allows both to consider the adoption strategies of individuals and their intention to adopt. Indeed, perceived usefulness, perceived ease of use and facilitating conditions are no longer sufficient for a technology to be adopted. The capabilities of this technology have to match the tasks that the user will perform. Our result have been measured and validated thanks to structural equations analysis of data collected from a sample of 629 individuals
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Деревянко, Богдан Володимирович, Bogdan Derevyanko, Катерина Вікторівна Роговець, and Kateryna Rogovets. "Безготівкові розрахунки за допомогою платіжного доручення: ризики для сторін." Thesis, Донецький юридичний інститут МВС України, 2016. http://dspace.puet.edu.ua/handle/123456789/6641.
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Нині ще існує ряд проблем, пов’язаних зі здійсненням безготівкових розрахунків з використанням платіжних доручень, а оскільки даний вид платежів є найбільш популярним у господарських відносинах, то потребує якнайшвидшого вдосконалення, що дозволить убезпечити обидві сторони розрахункових відносин.
Сейчас еще существует ряд проблем, связанных с осуществлением безналичных расчетов с использованием платежных поручений, а поскольку данный вид платежей является наиболее популярным в хозяйственных отношениях, то требует скорейшего усовершенствования, что позволит обезопасить обе стороны расчетных отношений.
Currently, there are several problems associated with the implementation of cashless payments using payment orders, and because this type of payment is the most popular in economic relations, it needs speedy improvement that will protect both sides of the settlement of relations.
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Деревянко, Богдан Володимирович, Богдан Владимирович Деревянко, Bohdan Volodymyrovych Derevianko, and К. В. Роговець. "Безготівкові розрахунки за допомогою платіжного доручення: ризики для сторін." Thesis, Донецький юридичний інститут МВС України, 2017. http://essuir.sumdu.edu.ua/handle/123456789/49409.
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Нині ще існує ряд проблем, пов’язаних зі здійсненням безготівкових розрахунків з використанням платіжних доручень, а оскільки даний вид платежів є найбільш популярним у господарських відносинах, то потребує якнайшвидшого вдосконалення, що дозволить убезпечити обидві сторони розрахункових відносин.Сейчас еще существует ряд проблем, связанных с осуществлением безналичных расчетов с использованием платежных поручений, а поскольку данный вид платежей является наиболее популярным в хозяйственных отношениях, то требует скорейшего усовершенствования, что позволит обезопасить обе стороны расчетных отношений.
Currently, there are several problems associated with the implementation of cashless payments using payment orders, and because this type of payment is the most popular in economic relations, it needs speedy improvement that will protect both sides of the settlement of relations.
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Tchibaline, Alexander, and David Mårtensson. "Informational attributes behind consumer payment habits and settlement preference." Thesis, KTH, Fastigheter och byggande, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-231408.
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Sweden is known for being at the forefront of becoming a cashless society.However, cash continues to be an important part of the payment ecosystem butthere are limited studies and data regarding the preference for holding cash. Previousstudies have shown that the use of cash is declining with regards to comers and thatthere are behavior differences between cultures and sociodemographic groups inregards to characteristics and preferences for payment methods. The aim of thisstudy was to investigate the informational attributes that drives the preference forholding cash by studying two extreme cases, Sweden which is a pioneer of cashlesssociety, and Germany which is one of the most conservative cash-intensivecountries in the Western world. Primary quantitative data was derived fromstandardized questionnaires issued in both countries by Loomis AB; the data wasdescribed and analyzed with applicable statistical procedures. A multivariate analysiswas performed on a specific segment of the collected data were the respondents hadbeen asked to rate cash associated statements based on their agreeableness towardsthem. These segments were then examined through a Principal component analysisto determine the underlying dimensions regarding preferences for cash. Our resultssuggest that Germans withdrew cash more frequently, from a wider spectrum ofdenominations and carried it to a larger extend than Swedes. Swedes made limitedwithdrawals, of small denominations and preferred to carry smaller amounts of cash.The results also show that there were differences in the perception and preferencesfor cash between sociodemographic groups, with e.g. older age groups being used to itand the youngest using it due to ‘status quo bias’. The main conclusions include thatthe informational attributes such as security, anonymity, ease of use and paymentinfrastructure was the main drives for the preferences of holding cash.Sverige är känt för att vara i framkanten gällande transformationen till att bli ettkontantlöst samhälle. Kontanter fortsätter dock att vara en viktig del avbetalningsekosystemet, men det finns begränsade studier och data om preferensenför att hålla kontanter. Tidigare studier har visat att användningen av kontanterminskat i dagligvaru- och sällanköpshandeln och att det finns beteendeskillnadermellan kulturer och sociodemografiska grupper med avseende på egenskaper ochpreferenser för betalningsmetoder. Syftet med denna studie var att undersöka deinformativa attribut som driver preferensen för att hålla pengar genom att studeratvå extrema fall, Sverige som är en pionjär gällande det kontantlösa samhället ochTyskland som är ett av de mest konservativa kontantanvändande länderna ivästvärlden. Kvantitativa data härleddes från standardiserade frågeformulärutfärdade i de båda länderna av Loomis AB; data beskrevs och analyserades medtillämpliga statistiska förfaranden, mer specifikt en multivariantanalys som gjordespå ett visst segment av de insamlade uppgifterna, där de svarande blev ombedda attbedöma kontantanvändningen genom associerade uttalanden baserat på derasöverensstämmelse med dem. Dessa segment undersöktes sedan genom enhuvudkomponentanalys för att bestämma de underliggande dimensionerna gällandepreferenser för kontanter. Våra resultat tyder på att tyskar tar ut pengar merfrekvent, från ett bredare spektrum av valörer och bär i större utsträckning merkontanter än svenskar. Svenskar har en begränsad uttagsfrekvens, främst av småvalörer samt att de föredrar att bära kontanter i en liten utsträckning. Fortsatt visarResultaten att det fanns skillnader i perception och preferenser för kontanter mellansociodemografiska grupper, exempelvis är äldre åldersgrupper vana vidkontantanvändning och att de yngre åldersgrupperna använder kontanter på grundav "status quo bias". De viktigaste slutsatserna är att de informativa attribut somsäkerhet, anonymitet, användarvänlighet och betalningsinfrastruktur är de viktigastedrivkrafterna gällande preferensen att hålla kontanter.
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MECCA, Virgilio. "L’ADEMPIMENTO DELL’OBBLIGAZIONE PECUNIARIA: IL PAGAMENTO CON STRUMENTI ALTERNATIVI AL DENARO CONTANTE." Doctoral thesis, Università degli studi di Ferrara, 2013. http://hdl.handle.net/11392/2388924.
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Money is whatever is generally accepted in Exchange for goods and represents a temporary adobe of purchasing power to be used for buyng still other goods and service.
the coming of the checkless and cashless society will involve a shift from the check or document system to an electronic system. The order will be transmitted via electronic impulse initiated at a terminal in the merchant's establishment. The merchant will be paid at the instant of the cardholder's order transmittal by means of a credit to his account: the cardholder's account will be debited at the same time.
In Italian civil code art. 1277 there is nominalistic principle that applies to fluctuations in the value of money , that means if an obligation to pay one euro was incurred in 2010 but payable in 2020, it remains an obligation to pay one euro.
This paper analyze the evolution of concept of money and the consequences about nominalistic principle, paying attention to different way to perform the duties of money obligation.
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Marcinkowska, Anna. "Exploratory study of market entry strategies for digital payment platforms." Thesis, Linköpings universitet, Institutionen för ekonomisk och industriell utveckling, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-147994.
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The digital payment industry has become one of the fastest evolving markets in the world, but in the wake of its rapid advancement, an ever increasing gap between academic theory and the actual reality of this market widens - and especially so when it comes to entry theory. It is widely acknowledged that the world is moving towards an ever more homogeneous economy, but despite the fact that payment preferences differ greatly from country to country - research on this subject continues to revolve mainly around localized efforts. But as historical inequalities between poor and rich societies continue to dissipate - learning from nations at the forefront of technological advancement increases the likelihood that the developed strategy becomes applicable to an increased number of countries. By selecting a nation most conducive to technological growth, the purpose of this report is to map the present dynamics in its digital payment industry using both recent and traditional market entry theory. However, studies geared towards globalized strategy formulation cannot be assumed as having guaranteed access to internal company-data at all times. So in order to facilitate such studies, the level of dependency on primary data required for conducting such research needs to be understood first, which is why the work in this report is constrained strictly to data of secondary nature. This, not only to further map the characteristics of this market, but also to see how open the market is to public inspection. Ultimately, the academic contribution becomes that of providing a road-map towards adapting currently available market entry theory to suit the rapidly evolving conditions of the digital payment industry from a global perspective and, when failing to do so, the aim is to also explore avenues for further research towards this end goal.
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Kallin, Mathias, Jacob Rydbeck, and Sebastian Wictorin. "Technological Adaption for SMEs : Implications of a Cashless Society." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-35820.
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Purpose – The purpose is to develop a greater understanding of what is requested by customers with regards to e-commerce and mobile payments and how managers attitude can affect the technological adaption process. Furthermore, a suggested framework will be presented on how SMEs can adapt to these changes. Problem – The move towards the cashless society has changed the business environment and increased the demand for mobile payments and e-commerce. The transition to implement new technologies requires resources in terms of time, money and knowledge. Therefore, this process can be challenging for SMEs. Design-Methodology-Approach – Primary data is collected through case studies and secondary data from previous research conducted. Two SMEs within the retail business in Jönköping is investigated using semi-structured interviews. The combined data is analyzed together with previous literature within the field. Findings – The findings show that customers’ demand of e-commerce and mobile payments has increased. A positive correlation between managers’ attitude towards new technology and the implementation process is found. To adapt to these technological changes, it is important for SME managers to invest equally in knowledge and technology.
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Glennow, Emma, and Alexandra Granström. "Cashless society: Is there a relationship between innovation and cash circulation in economy?" Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-254271.
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Around the globe, countries move away from banknotes and coins in the favor of digitized payments. A number of findings from academic research conclude various benefits associated with decreased cash usage, such as enhanced economic development, less costs for governments and banks, financial transparency as well as lower economic-related crime rates. In a light of various benefits moving towards cashless payments, it is hypothesized that there also could be a relationship between how innovative a country is and how much cash circulates in economy. The relationship could be both-sided like less cash circulation can trigger innovation and, at the same time, adoption of cashless payments could be driven by how innovative a country is. To be able to investigate a potential correlation, a correlation analysis is conducted between the two variables: an innovation level of a country and cash circulation in econom. The Global Innovation Index score will be used to summarize various factors that provide an overview of national innovation performance, and percentage of Gross Domestic Product (GDP) will be used for currency in circulation. According to the findings, the hypothesis that there is a correlation between cash circulation and innovation performance in a country could not be rejected with a 5% significance level.Runt om i världen öppnar länder upp för att gå från kontanta betalningsmedel mot digitala betallösningar. Enligt tidigare forskning, leder minskad kontanthantering till flertalet fördelar såsom kraftigare ekonomisk tillväxt, ökad transparens, minskade kostnader samt minskad ekonomiskt brottslighet. De fördelar som kontantlösa betalningar skapar kan vara kopplade till hur innovativt ett land är och hur mycket kontanta medel som cirkulerar i ett lands ekonomi. Ett potentiellt samband mellan mängd kontanter som cirkulerar i ett samhälle och innovation i ett land kan vara tvåsidigt, till exempel att minskade mängder kontanter i ekonomin kan skapa innovation eller så kan kontantlösa betalningar skapas av hög innovationsnivån i ett land. För att kunna undersöka ett potentiellt samband, utförs en korrelationsanalys mellan de två variablerna: nationell innovationsnivå och mängd kontanter i cirkulation i ekonomin. Global Innovation Index används för att sammanfatta olika faktorer som ger en översikt över den nationella innovationsnivå per land och en procentandel av bruttonationalprodukten (BNP) kommer att användas för mängd valuta i omlopp. Enligt framkomna resultat från korrelationsanalysen kunde hypotesen om att det finns ett samband mellan kassaflöde och innovationsnivå i ett land inte förkastas.
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Мареха, Ірина Сергіївна, Ирина Сергеевна Мареха, Iryna Serhiivna Marekha, and V. S. Myrgorodska. "Perspectives of global using a cryptocurrency as a medium of exchange: evidence from Ukraine and the world economies." Thesis, Sumy State University, 2017. http://essuir.sumdu.edu.ua/handle/123456789/64977.
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Society’s natural order and the evolution of commodity money required an
adequate common value equivalent. The money, or more specifically, the mediate
tools needed for commodity exchange, came through a long history of its
development.
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Kulnickas, Saulius. "Lietuva globalios elektroninės bankininkystės kontekste: vystymasis ir perspektyvos." Bachelor's thesis, Lithuanian Academic Libraries Network (LABT), 2014. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2014~D_20140716_084440-65474.
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Bakalauro baigiamajame darbe analizuojamos elektroninės bankininkystės paslaugos Lietuvoje, lyginant jas su Europos Sąjungos valstybėmis, JAV, PAR, Rusija, Kinija, Brazilija, Australija. Pirmoje darbo dalyje pateikiami teoriniai elektroninės bankininkystės aspektai: rūšys, priemonės, privalumai ir trūkumai. Antroje darbo dalyje atlikta Lietuvos ir pasirinktų pasaulio valstybių elektroninės bankininkystės paslaugų palyginamoji analizė. Remiantis negrynųjų pinigų atsiskaitymus, mokėjimo korteles, bankomatus apibūdinančiais rodikliais nustatyta, jog Lietuva gali pasigirti panašia elektroninės bankininkystės priemonių kiekio struktūra, tačiau pagal vertines atliekamų operacijų elektroninėje erdvėje išraiškas Lietuva atsiduria žemiausiose pozicijose analizuojamų valstybių kontekste. Koreliacinės-regresinės analizės metu nustatyta, jog negrynųjų pinigų atsiskaitymus Lietuvoje lemia vidutinis mėnesinis darbo užmokestis, bedarbių skaičius, mokėjimo kortelių skaičius šalyje, infliacija, grynųjų pinigų išėmimo operacijų bankomatuose vertė. Atlikus elektroninės bankininkystės perspektyvų vertinimą nustatyta, kad elektroninė bankininkystė Lietuvoje ir toliau plėsis: daugės elektroninės bankininkystės vartotojų, modernės vartotojų aptarnavimo ir apsaugos platformos elektroninėje erdvėje.Bachelor final work examines e-banking services of the commercial banks operating in Lithuania and compared with EU countries, USA, South Africa, Russia, China, Brazil and Australia. The first part represent the theoretical aspects of electronic banking: sorts, devices, advantages and disadvantages. The second part of the work represent the carried out analysis of electronic banking service in Lithuania and other selected countries. Based on cashless payments, payment cards, ATMs describing indicators, Lithuania is very similar with other countries in e-banking devices using but in cashless payments operations values Lithuania is at the lowest positions in the context of the analysed countries. The correlation-regression analyse showed that there are five factors which determine the cashless payments in Lithuania: the average monthly average, the number of unemployed, the number of payment card in country, inflation, cash withdrawals from ATMs value. The qualitative analyse of prospects for e-banking showed that e-banking in Lithuania will grow: the number of e-banking consumers continues to grow, consumers’ service platforms will become more modern and safer.
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ANDERSSON, ALEXANDER, and KARL ESSUNGER. "Physical or Digital Payments : Towards a Dominant Design?" Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-236483.
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Rapid digitalisation development has been stampeding widely across today’s societies, and not least in the payment industry. Though, the digitalisation in the payment industry has been very deviating, even between similar well-developed countries, and while there are positive and negative effects with both digital- and physical payment means, there is little knowledge that highlights the influencing factors and accompanied problems. This study therefore explore swhich, and how, different factors influence a country’s degree of digital payments, and creates further understanding of where the payment markets are heading in the future. It is done through a case study of four different industrialised countries, Sweden, Italy, Canada, and Switzerland which involves mapping the countries’ payment markets, as well as potential factors influencing a population’s payment habits, through a perspective of innovation theory in terms of dominant designs and technological discontinuities. Theory of network externalities and two-sided platforms are further used to explain and discuss how a two-sided market, likethe payment market, is affected by changes and other circumstances in different ways.Conclusions are then drawn from the used theories together with a comparison of the findings,and identifies certain influencers to a country’s distribution of payments, as well as provides indications of where the different payments markets are heading in the future. Data is mainly gathered through written material and credible databases, but also from semi-structured interviews.Den snabba digitaliseringen har slagit sig fram i dagens samhällen, och inte minst i betalningsindustrin. Dock har digitaliseringen i betalningsindustrin varit mycket avvikande mellan liknande välutvecklade länder, och medan det finns positiva och negativa effekter med både digitala och fysiska betalningsmedel, finns det inte mycket kunskap om påverkandefaktorer och medföljande problem. Denna studie undersöker därför vilka, och hur, olika faktorer påverkar ett lands grad av digitala betalningar, och vidare skapar ytterligare förståelse för var betalningsmarknaderna är på väg framöver. Detta görs genom en fallstudie av fyra olika industrialiserade länder, Sverige, Italien, Kanada och Schweiz, som innebär en kartläggning av ländernas betalningsmarknader, och av potentiella faktorer som påverkar befolkningens betalningsvanor, genom ett perspektiv från innovationsteori i form av dominerande design och tekniska diskontinuiteter. Teori om nätverksexternaliteter och tvåsidiga plattformar används vidare för att förklara och diskutera hur en tvåsidig marknad som betalningsmarknadenpåverkas av förändringar och andra omständigheter. Slutsatser dras sedan från de användateorierna tillsammans med en jämförelse av resultaten och identifierar påverkande faktorer tillett lands betalningsdistribution, samt ger indikationer på var de olika betalningsmarknaderna är på väg framöver. Data samlades huvudsakligen in genom skriftligt material och från tillförlitliga databaser, men även från semistrukturerade intervjuer.
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Nguyen, Phuong Thao Vy, and 阮芳草薇. "Mobile Payment System: Cashless Future of Vietnam with Momo as a Case Study." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/242449.
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碩士國立清華大學
國際專業管理碩士班
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The mobile payment industry of Vietnam is still in its infancy and is expected to bring massive benefits to an economy if more people shift the habit of not paying cash because it allows for a cheaper way to extend financial services to current users of financial services, especially the unbanked. The purpose of this study was to find out the current pictures of mobile payment market in Vietnam, the policy and government support for mobile payment sectors, and the opportunities and challenges that the mobile payments providers need to notice to promote their services. The case of Momo - the first and largest mobile wallet and application in Vietnam - was analyzed to have deeper insights and provide recommendations for this business model.
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Pratheeba, S. "A Theoretical Framework To Measure Diffusion In Intermediary B2B Market : A Case Of Electronic Payment Systems (EPS)." Thesis, 2012. https://etd.iisc.ac.in/handle/2005/2473.
Full textAbstract:
Electronic Payment Systems (EPS) are gaining popularity all over the world. An EPS consists of many component technologies which facilitate cashless payments for services. The focus of this thesis is on device associated technologies that an end customer uses to initiate an e-payment for a particular service via a Payment Service Provider (PSP). A technology solution in an EPS is developed by a Payment Solution Developer (PSD). The market between a PSP and a PSD is a B2B market. A PSD must understand and develop that combination of technology and service which will successfully diffuse. The success of a PSP therefore depends a lot on what a PSD develops. A theoretical framework to measure diffusion of e-payment technologies, services and their combinations in the B2B market was developed and empirically assessed in this thesis. Two concepts namely concept of breadth and concept of spread were defined. The concept of breadth and spread were applied to e-payment technologies, services and their combinations. The derived concepts namely technology breadth, service breadth, technology spread, service spread and technology-service combination spread were defined and measured. We then extended the concept of breadth to understand utilization of technologies and services within an EPS. Set theory was used to describe the framework.
A sample of 45 EPS was compiled from various sources. This secondary data of EPS consisted of 8 technologies and 16 services. The 8 technologies are Interactive Voice Response (IVR), text messaging using Short Messaging Service (SMS), text messaging using Unstructured Supplementary Service Data (USSD), mobile internet using Wireless Application Protocol (WAP), mobile application, Near Field Communication (NFC), Personal Computer (PC) internet and smart card. The 16 services are retail shopping payment, banking, health payment, insurance payment, mobile bill payment, mobile recharge, money transfer, movie ticket booking, parking fee payment, restaurant payment, payment at sports/swimming club, toll payment, transportation payment, tuition fee payment, utilities payment, and vending machine payment. Three categories of PSPs namely core payment service providers (n=18), non-core payment service providers (n=12) and merchants (n=15) were identified from the 45 EPS.
Binomial proportion test was used to verify the concepts of breadth and spread. Spearman correlation was used to find correlation between the concept of breadth and spread of technologies and services. The 45 EPS in the sample were then grouped under three sub groups based on the categories of their PSPs. Binomial tests were used within each sub group to understand the preferences of technologies, services and their combinations by each category.
The results verified that certain e-payment technologies possess more breadth i.e., capability to deliver many e-payment services and certain e-payment services possess more breadth i.e., delivered by many e-payment technologies. A difference in diffusion i.e., spread of technologies, services and their combinations were observed. Details of these differences are discussed in this thesis for technologies, services and their combinations. A positive correlation was observed between the concept of breadth and spread. Specialization of technologies, services and their combinations within categories of PSPs were observed. Variations in utilization of technologies and services by EPS were observed.
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Pratheeba, S. "A Theoretical Framework To Measure Diffusion In Intermediary B2B Market : A Case Of Electronic Payment Systems (EPS)." Thesis, 2012. http://etd.iisc.ernet.in/handle/2005/2473.
Full textAbstract:
Electronic Payment Systems (EPS) are gaining popularity all over the world. An EPS consists of many component technologies which facilitate cashless payments for services. The focus of this thesis is on device associated technologies that an end customer uses to initiate an e-payment for a particular service via a Payment Service Provider (PSP). A technology solution in an EPS is developed by a Payment Solution Developer (PSD). The market between a PSP and a PSD is a B2B market. A PSD must understand and develop that combination of technology and service which will successfully diffuse. The success of a PSP therefore depends a lot on what a PSD develops. A theoretical framework to measure diffusion of e-payment technologies, services and their combinations in the B2B market was developed and empirically assessed in this thesis. Two concepts namely concept of breadth and concept of spread were defined. The concept of breadth and spread were applied to e-payment technologies, services and their combinations. The derived concepts namely technology breadth, service breadth, technology spread, service spread and technology-service combination spread were defined and measured. We then extended the concept of breadth to understand utilization of technologies and services within an EPS. Set theory was used to describe the framework.
A sample of 45 EPS was compiled from various sources. This secondary data of EPS consisted of 8 technologies and 16 services. The 8 technologies are Interactive Voice Response (IVR), text messaging using Short Messaging Service (SMS), text messaging using Unstructured Supplementary Service Data (USSD), mobile internet using Wireless Application Protocol (WAP), mobile application, Near Field Communication (NFC), Personal Computer (PC) internet and smart card. The 16 services are retail shopping payment, banking, health payment, insurance payment, mobile bill payment, mobile recharge, money transfer, movie ticket booking, parking fee payment, restaurant payment, payment at sports/swimming club, toll payment, transportation payment, tuition fee payment, utilities payment, and vending machine payment. Three categories of PSPs namely core payment service providers (n=18), non-core payment service providers (n=12) and merchants (n=15) were identified from the 45 EPS.
Binomial proportion test was used to verify the concepts of breadth and spread. Spearman correlation was used to find correlation between the concept of breadth and spread of technologies and services. The 45 EPS in the sample were then grouped under three sub groups based on the categories of their PSPs. Binomial tests were used within each sub group to understand the preferences of technologies, services and their combinations by each category.
The results verified that certain e-payment technologies possess more breadth i.e., capability to deliver many e-payment services and certain e-payment services possess more breadth i.e., delivered by many e-payment technologies. A difference in diffusion i.e., spread of technologies, services and their combinations were observed. Details of these differences are discussed in this thesis for technologies, services and their combinations. A positive correlation was observed between the concept of breadth and spread. Specialization of technologies, services and their combinations within categories of PSPs were observed. Variations in utilization of technologies and services by EPS were observed.
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Chang, Shang-Da, and 張尚達. "One Nation Can’t Have Two Queens: Cash or Cashless? The Study of Consumers’ Cognition, Concerns, and Ambiguity on Mobile Payment." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/ucte8n.
Full textAbstract:
碩士國立東華大學
企業管理學系
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Cashless mobile payment has become an important trend in the world. This study investigates the relationships among consumers’ positive and negative cognition, affection, and usage intention on mobile payment by adoption the tricomponent attitude model as the theoretical background. The results indicate that trust is the key factor of continuance intention in mobile payment. Affective trust has a stronger effect on continuance intention than cognitive trust does. Both brand identification and similarity have significant and positive effects on affective trust. Brand identification is the most important factor of cognitive trust. In addition, cognitive trust is the most important factor of affective trust. Both ambiguity and information privacy concerns have significant and positive effects on perceived uncertainty. Information security concerns do not have a significant and positive effect on consumer perceived uncertainty which subsequently has a significant and positive effect on discontinuance usage intention.
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Roušarová, Kristýna. "Právní regulace platebního styku." Master's thesis, 2018. http://www.nusl.cz/ntk/nusl-372740.
Full textAbstract:
This diploma thesis deals with the issue of legal regulation of cashless payment transactions in the Czech Republic, as well as on European and international level. Furthermore, it focuses on the legal regime of payment accounts in the light of the amended Payment System Act No. 284/2009 Coll. that was adopted as a transposition of the Directive 2014/92/EU of the European Parliament and of the Council on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features. The aim of this thesis is to analyze and describe the current legal regime, including its critical evaluation and to outline the possible future development in the regulation of cashless payment transactions. The thesis is divided into three chapters. In the introduction, the author lays down the topic and the aim of the thesis and explains her motivation for writing a thesis from this area of law. The first chapter contains a theoretical introduction to the topic. The author explains what is a payment transaction, what forms can it take and who are the parties. In the second chapter, the author introduces the legal regulation of cashless payment transactions. In the subchapter dedicated to international payment transaction, the author explains how do the...
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Costa, Tiago Filipe Lobato Fonseca da. "Inovação nos meios de pagamento: desafios da banca tradicional portuguesa para uma sociedade cashless." Master's thesis, 2021. http://hdl.handle.net/10071/23038.
Full textAbstract:
Atualmente os métodos de pagamento desenvolvidos pela banca tradicional
portuguesa aceleram a transição para uma sociedade "cashless".
Uma sociedade cashless é, por definição, uma sociedade onde o numerário, isto
é, a moeda metálica e a moeda papel devem ser substituídas por pagamentos eletrónicos
ou mesmo digitais, sendo esta realidade apoiada fortemente pelo setor bancário.
Esta dissertação encontra-se dividida em seis partes, sendo que, inicialmente é
feita uma revisão da literatura sobre o tema, posteriormente é apresentado um modelo
concetual e objetivos de investigação seguidamente é descrita a metodologia a ser
utilizada na investigação, bem como a análise dos resultados obtidos e, por fim, são
apresentadas as limitações da análise e as conclusões alcançadas.
De forma a identificarem-se os desafios da banca tradicional portuguesa para uma
sociedade "cashless" foi realizado um questionário a uma amostra da população portuguesa
e seis entrevistas a indivíduos representativos da população portuguesa. Os resultados
obtidos confirmam que a banca deverá desenvolver métodos de pagamento mais fáceis
de utilizar e compreender na ótica dos utilizadores, aumentar a sua rede de aceitação,
reforçar a segurança dos métodos de pagamento "cashless" e utilizar uma comunicação
mais assertiva e explicativa para a população.Currently, the payment methods developed by traditional Portuguese banks accelerate the transition to a cashless society. A cashless society is, by definition, a society where cash, that is, the metallic currency and the paper currency, must be replaced by electronic or even digital payments, and this reality is strongly supported by the banking sector. This dissertation is divided into six parts. Initially, a review of the literature on the subject is made, then a model and research objectives are presented, followed by a description of the methodology to be used in the research, as well as the analysis of the results obtained and, finally, the limitations of the analysis and the conclusions reached are presented. In order to identify the challenges of traditional Portuguese banking for a cashless society, a questionnaire was carried out with a sample of the Portuguese population and six interviews with individuals representing the Portuguese population. The results obtained confirm that banks should develop payment methods that are easier to use and understand from the users' perspective, increase their acceptance network, reinforce the security of cashless payment methods, and use more assertive and explanatory communication for the population.
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Horáčková, Lenka. "Nové trendy v systémech pro platby za digitální obsah." Master's thesis, 2012. http://www.nusl.cz/ntk/nusl-310449.
Full textAbstract:
This diploma thesis is focused on new trends in payment systems for digital content. In the introductory chapter are briefly described the current types of electronic payment systems. The next part of the thesis introduces a foreign research studies and compares their results with results of the questionnaire survey conducted within the frame of the thesis. The following chapters are devoted to Czech and foreign electronic payment systems, focusing on the sale of digital content, the general development of the Czech micropayment systems and comparison of functionalities of the payment systems in order to compose a summary of recommendations for selected individuals involved in the field of electronic commerce. Following parts of this thesis are focused on the identification of the main trends in charging for Czech and foreign media content and presentation of the results of the questionnaire survey. The core of the work is to identify the main problems of the development of electronic payment systems, the identification of new trends in the pricing of media content and the summary of recommendations for the selected entities in the area of electronic commerce according to the knowledge gained in the diploma thesis.
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Bartakovičová, Sylva. "Vybrané otázky ekonomického myšlení dětí na 1. stupni základní školy." Master's thesis, 2014. http://www.nusl.cz/ntk/nusl-338617.
Full textAbstract:
BARTAKOVIČOVÁ, Sylva. Questions of Economics Understanding of Primary School Students. Prague, 2014. Diploma thesis. UK, PedF. The aim of this thesis is to analyze the economic thinking of third grade students in primary school. On the basis of identified deficiencies, a set of ideas leading to more effective teaching is proposed. The theoretical section includes an examination of the state of economic thinking in primary school pupils in the Czech Republic and abroad. This explains the present form of financial education in the Czech Republic, and examines children's understanding, particularly in relation to constructivism. The practical section describes the preparation and implementation of qualitative research in the form of semi-structured individual interviews with pupils in their 3rd year, and 1st grade of primary school. In the conclusion, a set of ideas aimed to develop the financial thought processes of younger school students, supplement their knowledge, and strengthen their overall economic thinking, is proposed.
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Patil, P. P., Nripendra P. Rana, and Y. K. Dwivedi. "Digital payments adoption research: A meta-analysis for generalising the effects of attitude, cost, innovativeness, mobility and price value on behavioural intention." 2018. http://hdl.handle.net/10454/18060.
Full textAbstract:
yesThe rapid evolution of mobile-based technologies and applications has led to the development of several different forms of digital payment methods (DPMs) but with limited enthusiasm in consumers for adopting them. Hence, several academic studies have already been conducted to examine the role of various antecedents that determines consumers’ intention to adopt DPMs. The degree of effect and significance of several antecedents found to be inconsistent across different studies. This provided us a basis for undertaking a meta-analysis of existing research for estimating the cumulative effect of such antecedents. Therefore, this study aims to perform a meta-analysis of five antecedents (i.e. attitude, cost, mobility, price value and innovativeness) for confirming their overall influence on intentions to adopt DPMs. The results of this study suggest that the cumulative effect of four out of five antecedents found to be significant while influence of price value was found insignificant on behavioural intentions. The recommendations drawn from this research would help to decide if and when to use such antecedents for predicting consumer intention to adopt DPMs.
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Gilman, Maria Madalena Salgado. "SIBS/MB WAY : striving for a cashless portuguese society." Master's thesis, 2019. http://hdl.handle.net/10400.14/29747.
Full textAbstract:
Organizations act in very dynamic and rapidly changing environments, wherein they face multiple exogenous shocks that threaten their sustainability and competitive advantage. Therefore, it is of utmost importance that firms continuously adapt and change their strategies to find a fit with the changing environment in order to guarantee survival and remain competitive. Scholars have developed management literature on the importance of strategic change on firm’s alignment with unstable and dynamic environments. Moreover, the Dynamic Capability view, which illustrates how firms can achieve sustainable competitive advantage and cope with the changing ecosystems, has gained increased awareness over the years.
In order to demonstrate a real-life example of Strategic Change and the dynamic capabilities' theory in action, this dissertation examines the case of SIBS's digital transformation. The teaching case focuses on SIBS' changing process, strategic reorientation and also examines how, by introducing MB WAY, SIBS coped with the payments industry's dynamism. This case clearly illustrates the firm’s imminent need for strategic change and the importance of the company’s use of dynamic capabilities to successfully adapt to the external environment and enact superior performance.As empresas atuam em ecossistemas bastante dinâmicos e em rápida mudança, onde enfrentam vários choques exógenos que tendem a ameaçar a sua sustentabilidade e vantagem competitiva. Portanto, é de extrema importância que as empresas tentem continuamente adaptar e alterar as suas estratégias de forma a encontrar um posicionamento no ecossistema em mudança, garantindo, assim, a sua sobrevivência e competitividade. Académicos têm desenvolvido, cada vez mais, literatura relativa à importância e necessidade de mudança estratégica procurando a adaptação ao ecossistema instável e dinâmico em que as empresas se encontram. Além disto, a teoria das dynamic capabilities ganhou maior preponderância ao longo dos anos. Estas duas correntes literárias vêm demonstrar que as empresas podem obter vantagem competitiva sustentável e lidar com as mudanças nos ecossistemas. Para ilustrar com um exemplo real da mudança estratégica e a teoria das dynamic capabilities, esta dissertação incide sobre a transformação digital da SIBS. O caso de estudo concentra-se no processo de mudança da SIBS, na sua reorientação estratégica e em como, ao introduzir o MB WAY, a empresa conseguiu responder às mudanças no setor de pagamentos. Este caso ilustra claramente a necessidade iminente das empresas recorrerem a mudanças estratégicas e, em particular, a importância do uso de dynamic capabilities por parte da SIBS para se adaptar com sucesso ao ambiente externo e obter um desempenho superior.
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Poppe, Simão Tavares. "O impacto das inovações de meios de pagamento nas organizações." Master's thesis, 2021. http://hdl.handle.net/10071/24741.
Full textAbstract:
Os sistemas de pagamento têm vindo a ganhar atratividade no contexto nacional e
internacional e a pandemia Covid-19 veio dar um empurrão aos sistemas de pagamento digitais.
Com o intuito de aprofundar esta temática, o objetivo deste estudo é analisar, em primeiro lugar,
o impacto das inovações de métodos de pagamento e, de seguida, avaliar se o perfil demográfico
influencia a utilização dos sistemas de pagamento e ainda compreender a importância dos meios
de pagamento disponíveis, para a decisão de compra do consumidor.
De forma a ser estudado o impacto das inovações de métodos de pagamento para as
empresas foi realizado um questionário a uma amostra da população portuguesa. Os resultados
obtidos permitiram obter do ponto vista do utilizador a sua visão em relação aos métodos de
pagamento, e assim tirar algumas conclusões dos possíveis impactos para as empresas. Nesta
investigação é analisado o impacto das motivações de compra, experiência de compra e a
complementaridade entre canais de modo a melhor entender a reação face aos sistemas de
pagamento do consumidor português.
Numa amostra de 339 inquiridos, os resultados obtidos demonstram que a idade é o fator
demográfico que mais influencia a utilização de sistemas de pagamento digitais e confirmam o
impacto positivo das inovações em sistemas de pagamento.
As conclusões retiradas desta dissertação contribuem para o entendimento teórico e prático
em torno deste fator de decisão de compra e da importância da inovação nos sistemas de
pagamento.Payment systems have been becoming more attractive in the national and international panorama, but especially in these last months due to the Covid-19 pandemic which has been a catalyst for innovation of digital payment systems. With the aim of exploring this topic, the objective of this study is to analyze, firstly, the impact of innovations in payment methods and then to assess whether the demographic profile influences the use of payment systems and to understand the importance of available payment methods for the consumer's purchase decision. In order to study the impact of payment method innovations for companies, a survey was conducted with a sample of the Portuguese population. The results collected allowed to obtain, from the user's point of view, their vision in relation to payment methods, and thus to draw some conclusions about the possible impacts for companies. In this investigation is analyzed the impact of motivations of purchase, the buying experience and the complementarity between channels, in order to understand clearly the Portuguese consumer's reaction to payment systems. In a sample of 339 respondents, the results obtained demonstrate that age is the demographic factor that most influences the use of digital payment systems and confirm the positive impact of innovations in payment systems. The conclusions drawn from this dissertation contribute to the theoretical and practical understanding around this purchasing decision factor and the importance of innovation in payment systems.
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Soimu, Ana. "Dematerialization of the currency: a study of the possible impacts on portuguese society and sSibs's business." Master's thesis, 2020. http://hdl.handle.net/10362/107291.
Full textAbstract:
Over a long period of time, the expression “Cash is King” has been considered an undeniable fact. However, due to technological developments inrecent years, the payment industry has undergone major transformations, with the emergence of new payment methods such as Near Field Communication (NFC), mobile payment, or cryptocurrencies (i.e. bitcoin).This Work Project, conducted within a Direct Research Internship at SIBS SGPS, aims to propose an analysis of the dematerialization of currency, focusing on the impact created by this change in the payments industry, Portuguese society as well as onSIBS’s business.
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Patil, P. P., Nripendra P. Rana, and Y. K. Dwivedi. "Digital payments adoption research: A review of factors influencing consumer’s attitude, intention and usage." 2018. http://hdl.handle.net/10454/18062.
Full textAbstract:
yesDigital payment methods (DPMs) are evolving fast but they are yet to be widely adopted particularly in the developing countries. An initial review of literature suggests that several studies have already been conducted on this topic for understanding antecedents of digital payments adoption. However, only a few studies have examined this emerging topic in the context of developing countries. The aim of this submission is to identify antecedents of consumer adoption and usage of digital payments methods. The results of this literature analysis suggest that constructs related to technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) along with trust and risk are the most frequently examined constructs for determining consumer’s behavioural intention to use and usage of DPMs. The findings from this work can help researchers selecting factors for inclusion in the future empirical works on this topic.