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Journal articles on the topic 'Cashless settlements'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Braichenko, Serhii, Sergii Dzholos, Artem Kolisnyk, Oksana Koshulko, and Larysa Varunts. "Legal Support of Non-Cash Settlements in Economic Activity." SHS Web of Conferences 100 (2021): 03003. http://dx.doi.org/10.1051/shsconf/202110003003.

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The article presents the exploring of legal support of non-cash settlements in economic activity. In the article, the complex analysis of the tendencies of the legal regulation of the cashless transfers in commercial activity has been done. Also, the article has been prepared some recommendations on improvement of non-cash settlements, taking into the consideration fact that there are different types of payments under modern economic conditions, which change the approaches to the specific features, protection, and the peculiarities of their usage. Besides, in the article, some problems of the

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2

CHAYKOVSKYI, Yaroslav. "MONEY CIRCULATION IN UKRAINE: CURRENT STATUS, PROBLEMS AND DIRECTIONS FOR IMPROVEMENT OF ORGANIZATION." WORLD OF FINANCE, no. 2(55) (2018): 108–22. http://dx.doi.org/10.35774/sf2018.02.108.

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Introduction. One of the most effective means to solve the acute problems of the modern stage of Ukraine's economic development is the rational organization of monetary circulation. The solution to this problem lies in the scope of the National Bank of Ukraine measures aimed, on the one hand, on improvement of cash circulation of money and, on the other hand, the development of cashless settlements. The purposeof the article is to study the current state of money circulation in Ukraine, identify the most significant problems and definition specific areas for improvement of the operation of ban

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3

Mishchenko, S. "THE IMPROVEMENT OF MASS CASHLESS SETTLEMENTS REGULATION." Bulletin of Taras Shevchenko National University of Kyiv Economics, no. 158 (2014): 22–28. http://dx.doi.org/10.17721/1728-2667.2014/158-5/4.

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4

Zinoveva, Irina, and E. El'chaninova. "NON-CURRENT SETTLEMENTS IN THE MODERN ECONOMIC SPACE." Actual directions of scientific researches of the XXI century: theory and practice 8, no. 2 (2020): 65–70. http://dx.doi.org/10.34220/2308-8877-2020-8-2-65-70.

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The paper considers the development of a system of cashless payments in Russia, as well as in the regional context, using the example of the regions of the Central Black Earth Region and Voronezh Region over the past two years. The concept of non-cash payments and the main advantages of their use (flexibility of payments, transparency of all payments, exclusion of counterfeit banknotes, reduction of costs of economic entities for storage and collection of cash, etc.) are designated. Based on the research data of the SberData project from Sberbank, a comparison is made of regional and average s

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Goncharenko, L. I. "Limitation of Cash Payments as a Guarantee of Tax Transparency (on the Example of the Kyrgyz Republic)." Economics, taxes & law 17, no. 5 (2024): 137–45. http://dx.doi.org/10.26794/1999-849x-2024-17-5-137-145.

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The subject of the study is the possibility to limit cash settlement in certain areas of business on the example of the Kyrgyz Republic. The purpose of the study is to summarize the best practices aimed at solving the problem of reducing the level of tax evasion using cash settlements. Cash settlements carry the greatest risks of tax evasion due to the complexity of controlling such cash flows, unlike cashless settlements, which, despite their disadvantages and gray areas, are not only much more transparent, but also subject to control, and therefore treatment (up to blocking). Due to the lack

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Harkusha, Yuliya, and Oleksandr Vlasov. "Development of cashless settlements in Ukraine: factors of influence." Scientific Bulletin of Odessa National Economic University 3-4, no. 304-305 (2023): 56–62. http://dx.doi.org/10.32680/2409-9260-2023-3-4-304-305-56-62.

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Vavilova, Ekaterina M. "Problems of the Legal Regulation of Non-Cash Settlements and Solution Prospects in Conditions of Digital Economy Development." Jurist 2 (February 4, 2021): 16–21. http://dx.doi.org/10.18572/1812-3929-2021-2-16-21.

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The article is devoted to the analysis of the legal regulation of the field of cashless payments, as one of the key elements of the developing digital economy in Russia. Special attention is paid to such legal problems as incomplete terminology, lack of a systematic statement of the rules governing the implementation of settlements in the form of money transfers at the request of the recipient of funds (direct debit) and settlements in the form of electronic money transfers. The author concluded that the legal regulation of certain forms of non-cash payments is chaotic, which, of course, has i

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8

Pyrih, Svitlana. "Development of payment infrastructure in context growth of cashless settlements in Ukraine." Economic Forum 13, no. 4 (2023): 167–74. https://doi.org/10.62763/cb/4.2023.167.

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The article summarizes the issue of payment infrastructure development in the context of the growth of cashless payments in Ukraine, which is one of the main elements of operations, regarding the transfer of monetary value in exchange for goods/services in non-cash form.The main purpose of the study is to assess the development of the payment infrastructure and the dependence of the growth of non-cash payments on the development of the payment infrastructure. Systematization of literary sources and approaches to problem solving shows that this process requires improvement of modern technologie

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9

Yu.V., Yesenkova, and Sergeeva I.A. "FORMS OF NON-CASH PAYMENTS." ИННОВАЦИОННЫЕ НАУЧНЫЕ ИССЛЕДОВАНИЯ 2022. 11-1(23) (November 17, 2022): 148–56. https://doi.org/10.5281/zenodo.7331475.

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The article discusses the forms of non-cash payments. The definition of non-cash payments and cash is given. The main existing forms of non-cash payments are highlighted, the areas of their application are considered. Each description of the analyzed forms of settlements is accompanied by diagrams that clearly demonstrate the necessary order of operation in the course of settlements. At the end of the article, the main trends in the prospects for the development of cashless payments are given.

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Jagaddhita, I. Kadek Ekna Satria, and Putu Sri Arta Jaya Kusuma. "TINJAUAN LITERATUR: IMPLEMENTASI PENGGUNAAN E-MONEY SEBAGAI PENDUKUNG CASHLESS SOCIETY DI INDONESIA." KOMPLEKSITAS : JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS 13, no. 2 (2024): 9–20. https://doi.org/10.56486/kompleksitas.vol13no2.533.

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This research aims to investigate the use of electronic money (e-money) as a catalyst for the advancement of the cashless society concept in Indonesia. In today's digital landscape, society is compelled to harness technology across various spheres of life, particularly in financial transactions. The adoption of e-money, a constituent of financial technology (fintech), is steadily proliferating, spanning from online shopping transactions and public transportation fares to regular bill settlements. Employing a literature review methodology, this research entails gathering and evaluating literatu

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11

Pykhtin, S. V. "Payment by QR-Code as a Cashless Settlement Method." Courier of Kutafin Moscow State Law University (MSAL)), no. 1 (March 24, 2023): 104–10. http://dx.doi.org/10.17803/2311-5998.2023.101.1.104-110.

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After Apple suspended the use of the Apple Pay application for bank cards of international payment systems Visa and Mastercard for residents of Russia in March 2022 and Google (Google Pay) and Samsung (Samsung Pay) followed suit, settlements by QR-codes became a real alternative for making payments using smartphones. The article discusses the technical and legal aspects of making payments using QR-codes. The author showed, that payment using a QR-code is not a form of non-cash payments. By its legal nature, a QR-code is a machine-readable form of submitting a payment order to pay a certain amo

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12

Yudin, O. Yu. "CONCEPTS AND SIGNS OF CASHLESS SETTLEMENTS IN NATIONAL AND FOREIGN CURRENCY, CRYPTOCURRENCY." Juridical scientific and electronic journal, no. 4 (2024): 271–75. http://dx.doi.org/10.32782/2524-0374/2024-4/62.

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13

Monastyrsky, Hryhoriy, Yaroslav Chaikovskyi, Ivanna Chaikovska, and Yevhen Chaikovskyi. "DIRECTIONS OF USE OF PAYMENT CARD AS INNOVATION OF PAYMENT OF TRANSPORT ORGANIZATIONS SERVICES." Economic Analysis, no. 28(4) (2018): 143–54. http://dx.doi.org/10.35774/econa2018.04.143.

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It is carried out the analysis of the share of cash outside the banks in the money supply in Ukraine within 2013-2017 and the integral indicator of the level of the shadow economy in Ukraine for 2010-2017. The dynamics of the main indicators of functioning of the payment cards market of Ukraine during 2012-2017 is analysed. The main tendencies of development the market of payment cards in Ukraine are considered. In particular, the dynamics of the number of holders of payment cards and their issuing banks, the development of electronic payment infrastructure, the types of payment cards issued b

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14

Efimova, L. G. "The mechanism of credit transfers via the Blockchain." International Accounting 23, no. 5 (2020): 567–84. http://dx.doi.org/10.24891/ia.23.5.567.

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Subject. Money transfers via Blockchain-based banking and payment systems employ a procedure combining the traditional mechanism of gross settlements and P2P network, which is also run with the Blockchain. Therefore, the relationship between payment peers is mixed too. Objectives. The study aims to set up a legal mechanism of credit transfers which synergistically combines two payment procedures, i.e. traditional gross settlements via the national banking system and P2P payments based on the Blockchain. Methods. The study relies upon systemic-structural, dialectical, logic methods, induction,

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15

BAGUDU, Igbekele Gavine, and Ugo Chuks OKOLIE. "Analysis of Prospects and Challenges of E-Payment System in Nigeria." Journal of Business 11, no. 1 (2022): 38–45. http://dx.doi.org/10.31578/job.v11i1.199.

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E-payment is an electronic transfer of cash via online transaction for business -to- consumer (B2C), business-to-business (B2B), person –to- person (P2P), and most recently administration -to- consumer (A2C) purposes. Nigeria payment system has been predominately cash – based. However the cost of cash to Nigeria financial system is high and increasing. It is in this respect that the Central Bank of Nigeria (CBN) introduced the cashless policy with the objective of promoting the use of e-payment channels instead of cash. E-payment system apart from convenience and safety also have a significant

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16

KARPENKO, ALYONA. "COMPARATIVE LEGAL ANALYSIS OF NON-CASH MONEY, ELECTRONIC MONEY AND THE DIGITAL RUBLE." LEGAL BULLETIN 4, no. 9 (2025): 172–86. https://doi.org/10.5281/zenodo.14638788.

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The relevance. Cashless settlements and e-money have responded to the need to speed up and simplify exchange transactions in a globalized and digitized economy. Electronic payment systems and bank transfers have made it possible to optimize the settlement process and make it more transparent and efficient. In turn, the emergence of cryptocurrencies and blockchain technologies has opened a new chapter in the history of money, offering decentralized forms of settlement independent of traditional financial institutions. The popularity of remote means of payment requires proper legal regulation, w

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17

Ezrokh, Yuriy. "Implementation of retail payments by QR-code in Russia as a driver for the development of national payment system (economic aspects)." Moscow University Economics Bulletin, no. 1 (February 28, 2021): 168–88. http://dx.doi.org/10.38050/01300105202118.

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Problem statement. Drawing on macroeconomic analysis (2011-2019), the author formulates the key problems in the functioning of retail segment of the national payment system: a) differentiation of regions according to the degree of payment infrastructure development; b) disproportion in the availability of trace elements of the payment infrastructure; c) high cost of acquiring services. The underlying scientific hypothesis is the possibility to overcome the above-mentioned problems by introducing retail payments using QR codes. The study examines economic relations arising in calculations using

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18

Минаков, Андрей Владимирович, and Нодари Дарчоевич Эриашвили. "Development of payment systems for bank cards and settlements with bank cards in Russia." Вестник Московской академии Следственного комитета Российской Федерации, no. 2(32) (June 22, 2022): 158–66. http://dx.doi.org/10.54217/2588-0136.2022.32.2.021.

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Актуальность исследуемой проблемы обусловлена тем, что платежные системы банковских карт позволяют развиваться торговле, финансовой системе, экономике государства, облегчают государству, бизнесу и населению процессы безналичных переводов денежных средств. По мере развития цифрового общества и повышения доверия к безналичным расчетам все больше людей становятся пользователями банковских карт. По сравнению с наличными деньгами банковская карта является более удобным, надежным, практичным, безопасным средством платежа. Целью данного исследования выступает изучение основных тенденций развития плат

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19

САРУНОВА, М. П., А. М. МАРАТОВА, А. С. КОРШАЕВА, and Д. Е. МИНКЕЕВ. "DEVELOPMENT OF SETTLEMENT OPERATIONS IN THE DIGITAL ENVIRONMENT." Экономика и предпринимательство, no. 2(151) (May 31, 2023): 1354–58. http://dx.doi.org/10.34925/eip.2023.151.2.274.

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В статье рассматриваются нововведения в системе безналичных расчетов в России в условия нового правового института в российской финансовой системе, обоснована необходимость выпуска центральными банками развитых стран цифровой валюты как новой формы фиатных денег. Цифровизация остается одной из важнейших сторон современной мировой финансовой системы. Это выражается в новых формах платежей и расчетов, развитии рынка цифровых активов, выходе высокотехнологичных компаний на рынок финансовых услуг, а также в появлении новых продуктов и услуг на мировом финансовом рынке. Использование организациями

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20

Vasilevskaya, L. Yu. "A Digital Ruble: A Civilist’s View of the Problem." Lex Russica 76, no. 1 (2023): 9–19. http://dx.doi.org/10.17803/1729-5920.2023.194.1.009-019.

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Testing of a digital ruble platform conducted by the Bank of Russia actualizes the problem of determining the legal nature of a digital ruble and features of its civil law regime. Based on fundamental provisions of the civil law doctrine, the author explores an economic concept of the digital ruble presented by the Central Bank of the Russian Federation; from a civilistic standpoint, the author examines the relationship between the concepts of «digital ruble», «digital money», «currency», «cryptocurrency», «digital financial asset». The paper justifies the fallacy of legal judgments in the int

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Bitner, Irina, and Serhii Viazovyi. "DETERMINATION OF PROSPECTIVE DIRECTIONS FOR IMPROVEMENT OF CASHLESS CALCULATIONS AND THEIR STANDARDIZATION FOR THE UKRAINIAN PAYMENTS MARKET." Financial and credit systems: prospects for development, no. 1 (April 15, 2022): 62–69. http://dx.doi.org/10.26565/2786-4995-2022-1-06.

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The current state of the banking system takes place in conditions of high competition and rapid development of innovative innovations in the field of payments. Secure and efficient payments are crucial for users, banks and the economy as a whole. That is why an important and urgent task for the state and the banking system is to understand and form a clear course for the introduction of new types of calculations. Today, the trend is non-cash payments that are increasingly pushing cash out of circulation. The paper describes the definition of "non-cash payments" and their functioning in the lig

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Vynogradova, Olena, Iryna Sovershenna, Alua Yesmakhanova, and Olha Ihnatenko. "Development trends of payment ecosystems as a key link of the e-commerce infrastructure." International Science Journal of Management, Economics & Finance 3, no. 5 (2024): 45–54. http://dx.doi.org/10.46299/j.isjmef.20240305.06.

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The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the development of electronic payment systems are systematized: the formation of technical and technological prerequisites related to general digitalization (payment infrastructure, network of POS terminals; mobile telephony capabilities; Abstract. The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the devel

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Bousrih, Jihen. "The impact of digitalization on the banking sector: Evidence from fintech countries." Asian Economic and Financial Review 13, no. 4 (2023): 269–78. http://dx.doi.org/10.55493/5002.v13i4.4769.

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Banking services are now branded and are provided in distinct ways. It has been proven that the development of new financial services and products substantially impacts bank performance. This paper investigates the effect of e-banking services on the performance of banks before the pandemic. The study looks at a sample of 24 nations, including leading fintech nations. Data from 2012 to 2019 was gathered from the World Development Indicators and the Bank for International Settlements (BIS) databases. The findings show a significant positive correlation between cashless payments and banks' ROA.

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Bagudu, Igbekele Gavine, and Ugo Chuks Okolie. "Analysis of prospects and challenges of the e-payment system in Nigeria." Vestnik Tomskogo gosudarstvennogo universiteta. Ekonomika, no. 58 (2022): 180–89. http://dx.doi.org/10.17223/19988648/58/11.

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E-payment is an electronic transfer of cash via online transaction for busi-ness-to-consumer (B2C), business-to-business (B2B), person-to-person (P2P), and most recently administration-to-consumer (A2C) purposes. Nigeria payment system has been predominately cash-based. However, the cost of cash to Nigeria's financial system is high and increasing. It is in this respect that the Central Bank of Nigeria (CBN) introduced the cashless policy with the objective of promoting the use of epayment channels instead of cash. The e-payment system apart from convenience and safety also has a significant n

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25

Imramziyeva, M. Ya, N. A. Gumar, and G. K. Zhanibekova. "Analysis of Non-Cash Payments in Kazakhstan and Impact on the Development of Entrepreneurship." Economics: the strategy and practice 17, no. 4 (2022): 16–28. http://dx.doi.org/10.51176/1997-9967-2022-4-16-28.

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The purpose of the study is to cashless payments in the Republic of Kazakhstan and their impact on the development of households and entrepreneurship. Improving cashless payments is closely related to the overall development of technology. The speed, convenience, and security of non-cash payments are growing from year to year. Cashless payment is a relevant and convenient form of payment in the life of every citizen, due to its availability for all legal entities and individuals. This trend is widespread and qualitatively increasing. There is also a trend of rapid penetration of non-cash payme

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Sytnyk, Inna, Mykola Pugachov, Volodymyr Pugachov, Nataliia Kudrenko, Vita Dovgaliuk, and Bohdan Sytnyk. "FEATURES FUNCTIONING OF THE PAYMENT SYSTEM OF UKRAINE." Financial and credit activity problems of theory and practice 1, no. 48 (2023): 42–63. http://dx.doi.org/10.55643/fcaptp.1.48.2023.3962.

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In the age of the global Internet, there were changes in the life of the human community, its needs, and requirements for the provision of payment services, that, in turn, affected the development of the payment sphere. Taking into account the transformations in the field of payment systems that occur as a result of the continuous development of the digital economy and its globalization, legislative and regulatory changes in the domestic and international legislative field, research and proposals regarding the modern understanding of the concept of "payment system" and its varieties remain imp

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Khetagurov, Georgiy, Tengiz Tinikashvili, and Alan Ogoev. "The specifics and problems of the retail payments development using bank cards in the mountainous regions of Russia (the example of the republic of North Ossetia – Alania)." Sustainable Development of Mountain Territories 17, no. 1 (2025): 226–34. https://doi.org/10.21177/1998-4502-2025-17-1-226-234.

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Introduction. The article discusses the features and problems of the development of retail payments using bank cards in the mountainous regions of Russia (using the example of the Republic of North Ossetia – Alania). The data on the bank payment card market in the republic is analyzed, conclusions are formulated regarding current trends and problems of market development, and forecasts for the market are made. Materials and methods. The study is an analytical review based on secondary sources of information: official data from government agencies, periodicals, and online publications. Results.

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John, Nwani Jemima, Nwaimo Chilaka Emmanuel, Kanu Success Ikechi, and Chinonso Karen Eke. "Cashless Policy and the Nigerian Payment System." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 5, no. 6 (2020): 7–28. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001.

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Before the introduction of the cashless policy by the Central Bank of Nigeria in 2011, the Nigerian economy was heavily cash-oriented in its transaction of goods and services contrary to the global trends. With the aid of paired data samples between 2007 and 2017, this study evaluates the impact of cashless policy on the Nigerian payment system. The operations of a cashless economy were assessed based on the use of Cheques, funds transfer channels and Automated Teller Machines (ATMs). Analysis of data showed that the volume and usage of cheques as a means of financial settlement has failed and

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Chougule, Prakash S., Tejaswi S. Kurane, Suresh T. Salunkhe, and Puja A. Pawar. "A Study of Impact of Cashless Transaction on Society Using Statistical Methods." International Journal of Innovative Science and Research Technology 5, no. 7 (2020): 300–305. http://dx.doi.org/10.38124/ijisrt20jul233.

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A cashless society describes an economic state whereby financial transaction are not conduced with money in the form of physical banknotes or coins but rather though the transfer of digital information (usually an electronic representation of money) between the transacting parties. Cashless society have existed based on barter and other methods of exchange, and cashless transactions have also become possible using digital currencies such as bit coins. Cashless India is a mission launched by the government of India led by prime minister Narendramodi to reduce dependency of Indian economy on cas

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Miyamoto, Michiko, and Yuji Kudo. "Technology Acceptance of QR Code Payment and Its Effective Advertisement Media for Multi-Channel Customers." International Journal of Trade, Economics and Finance 12, no. 4 (2021): 84–91. http://dx.doi.org/10.18178/ijtef.2021.12.4.699.

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Cash settlement accounts for 80% of entire transaction in Japan. Japanese government has announced the “Payment Reform Declaration,” by setting “the Cashless Vision” with a target of 40% cashless payment ratio by 2025 and aims to achieve the world's highest level of cashless payment ratio of 80% in the future. The purpose of this study is to analyze which media has affected the consumers who use QR code payment, PayPay. This research proposes a framework based on the Technology Acceptance Model (TAM) for an effective advertisement medium by using survey data on PayPay. Structure equation analy

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Chaurasia, Deeksha. "ADOPTION OF DIGITAL STRATEGY IN HEALTH INSURANCE SECTORWITH SPECIAL REFERENCE TO BHOPAL CITY." BSSS Journal Of Commerce 15, no. 1 (2023): 107–24. http://dx.doi.org/10.51767/joc1514.

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Digitalization brought a huge revolution in India. There have been many changes with the introduction of cashless transactions for a cashless economy. There is rapid growth of the digital health insurance market in India. Digital sales of health insurance products have helped customers to get updated and in-depth information about the products and increase the quick online sales, policy issuance and quick claim settlement. A structured questionnaire was designed and data was collected from agents and service providers. The data was analysed and interpreted by applying inferential statistics. T

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Vedapradha., R* Dr. Hariharan Ravi. "MOBILE BANKING – A SILVER LINE DURING FINANCIAL CRUNCH." INTERNATIONAL JOURNAL OF ENGINEERING SCIENCES & RESEARCH TECHNOLOGY 6, no. 5 (2017): 85–88. https://doi.org/10.5281/zenodo.571602.

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Mobile banking was the biggest strategic move made by the RBI where first regulatory guidelines were issued to the banks in 2008 to transfer funds from one bank to another through mobile as the platform. It sprouted in the economy with SMS based service which has today led into cashless transactions through technological advancement and education. These services are currently offered by 97 banks in India irrespective of mobile service provider. Licensed banks with core banking solutions are permitted to offer mobile banking services to their customers post permission obtained from department o

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Addai, Bismark, and Benedict Arthur. "GHANA’S ROAD TO CASHLESS ECONOMY: THE E-ZWICH EXPERIENCE." Journal on Innovation and Sustainability RISUS 11, no. 1 (2020): 52–67. http://dx.doi.org/10.23925/2179-3565.2020v11i1p52-67.

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In 2008, the Government of Ghana (GoG) through the Bank of Ghana (BoG) and Ghana Interbank Payment and Settlement System (GHIPSS) launched a smart card called e-zwich which formed a central part of the government’s plan to move the country towards a cashless economy. Modernization of the cash sector has remained at best in a confused state since it was launched and at worst an embarrassing drawback. In this article, we employ the Unified Theory of Acceptance and Use of Technology (UTAUT) and the structural equation model to estimate users' behavioral intentions and actual usage of the cashless

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Balaram, Kasana. "India's Progress towards Cashless Economy: Recent Trends and Challenges." European Journal of Advances in Engineering and Technology 10, no. 11s (2023): 23–31. https://doi.org/10.5281/zenodo.10638496.

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<strong>ABSTRACT</strong> The Reserve Bank of India has implemented several cashless transaction or payment systems from time to time to check corruption, black money and money laundering in the country. Which includes paper-based instruments like cheque, demand draft etc. and online payment settlement systems like ECS Credit, RECS, ECS Debit, EFT, NEFT, RTGS etc. After the achievements made by India in the field of information technology after 2000, internet based online transactions have been started by mobile banking, ATM or point of sale machines, UPI etc. The number of paper based transac

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Sidelnyk, Olena, and Serhii Viazovyi. "METHODOLOGY FOR DETERMINING THE CONCEPTUAL ASPECT OF THE FORMATION OF NON-CASH PAYMENTS IN THE CONDITIONS OF DIGITALIZATION OF THE ECONOMY." Financial and credit systems: prospects for development, no. 2 (August 30, 2022): 7–13. http://dx.doi.org/10.26565/2786-4995-2022-2-01.

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With the ongoing globalization of international goods and trade, payment transactions are also growing worldwide. Different forms of calculation are created or improved. An important aspect of today is the introduction and improvement of cashless payments in Ukraine and around the world. The issue of defining the conceptual aspect of the formation of non-cash payments remains relevant. The work described the definition of "cashless payments" and their functioning in view of the national experience. The process of settlement regulation from the regulatory and legal support in Ukraine is conside

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Moradeyo, Adebanjo OTITOJU, Ozioma ALIYU Aisha, Queensly OLAIYA Anuolu, and Kyangtuk GAMBO Stephanie. "Cashless Policy and E-payment Systems in Nigeria: A Synthesis of Literature." International Journal of Social Science and Humanities Research 11, no. 3 (2023): 145–51. https://doi.org/10.5281/zenodo.8262753.

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<strong>Abstract:</strong> A successful and dependable money system is essential today to manage the growing complexity of financial transactions and guarantee the complete and efficient settlement of obligations. The Central Bank of Nigeria's (CBN) cashless approach strives to reduce costs, providing mobile payment services, removing existing barriers to financial empowerment for many Nigerians, and providing convenient banking services for urban, semi-urban, and rural people across the country. These platforms supply users with a variety of convenience, speed, and security for anything f

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Ezeokoli, Fidelis Okechukwu, Stanley Chukwudi Ugochukwu, Nathan Ndubuisi Agu, and Samuel Chukwujekwu Akabogu. "An Assessment Of The Use, Benefits And Challenges Of The ‘Cash–Lite’ Policy, For Construction Projects In Anambra State, Nigeria." European Scientific Journal, ESJ 12, no. 16 (2016): 313. http://dx.doi.org/10.19044/esj.2016.v12n16p313.

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The introduction of the ‘Cash-Lite; a cashless policy, by the Central Bank of Nigeria in 2011 has changed the modus operandi of the construction industry. This is because the industry is one of the few industries that deal mostly with cash. Hence, this study is aimed at examining the development and implementation of the Nigerian ‘Cash-Lite’ policy, with a view to ascertain its effects on construction practice. The study examined 300 construction stakeholders using questionnaires. Data obtained from these sources was analysed using charts, table of frequency, mean scores and Ztest. However, th

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Khomenko, E. G. "Legal Framework for Clearing and Settlement in the Banking System of Russia." Actual Problems of Russian Law 17, no. 10 (2022): 117–23. http://dx.doi.org/10.17803/1994-1471.2022.143.10.117-123.

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The paper analyzes the legal framework for the clearing system in the Russian Federation and its place in the system of cashless transactions and formulates the main characteristics of clearing. The distinctive features of the process are identified. It is noted that clearing is not a contract, but a set of consistently performed actions aimed at identifying and calculating the mutual obligations of the parties. It is important to mention the stages of clearing and settlement identified by the author that result in charging/crediting the payment clearing position as to the bank accounts of the

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Popov, Nikita K., and Tatiana V. Savchenko. "ORGANIZATIONAL MECHANISMS OF SETTLEMENT AND CASH SERVICES IN THE BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 8/4, no. 139 (2023): 95–102. http://dx.doi.org/10.36871/ek.up.p.r.2023.08.04.012.

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At the moment, being in the market of commercial banks, we are facing increasing competition. The study of the organization of cash services in the bank seems relevant, since most of the operations and settlement mechanisms of economic entities are carried out in a cashless manner through banking structures. The issue of choosing a banking structure in which an economic entity will be serviced at a suitable tariff is becoming increasingly important. The article presents the regulatory regulation in relation to cash services; the list of the main services included in the package of settlement a

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Arora, Shraddha, Mrinal Pandey, Mamta Arora, Komal Gupta, Vineet Sharma, and Lakshay Nagpal. "Digitization of Health Insurance Documents for The Cashless Claim Settlement Using Intelligent Document Management System." Procedia Computer Science 235 (2024): 1319–31. http://dx.doi.org/10.1016/j.procs.2024.04.125.

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Kadyan, Sunil, Narinder Bhasin, and Vikas Madhukar. "Impact of claim settlement procedure of health insurance companies on customer satisfaction during the pandemic: A case of third-party administrators." Insurance Markets and Companies 13, no. 1 (2022): 66–80. http://dx.doi.org/10.21511/ins.13(1).2022.06.

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The claim settlement process is one of the most critical aspects of health insurance. Many policyholder grievances often surface during claim settlement, which will likely shape the insurer’s reputation. Hence, this study aims to evaluate the relationships between hypothesized factors concerning the third-party administrator’s claim settlement process as perceived by policyholders. The paper used the data of policyholders from Delhi/NCR, India, who have availed the cashless claims in the last three years. In the process, a total of 790 questionnaires were sought to be. The methodology used was

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Lizunov, P. V., and V. V. Morozan. "Activity of settlement departments at the State Bank of Russia (1898—1917)." Voprosy Ekonomiki, no. 7 (July 2, 2022): 140–54. http://dx.doi.org/10.32609/0042-8736-2022-7-140-154.

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The paper examines clearing operations of settlement departments operating at the State Bank of the Russian Empire. The problem of clearing as a form of noncash interbank settlement became extremely acute for the participants of the money market in the late 19th — early 20th century. The industrial achievements of Russia caused a significant increase in cash flows, which complicated the cash operations of not only of banking institutions, but also of economic entities of the country. This state of affairs demanded the speedy introduction of cashless payments in the banking sector of the Empir

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Olusegun, EFUNTADE, Alani, and EFUNTADE, Olubunmi Omotayo. "Electronic Money, Digital Cloud Payments, Banknote Redesign Policies and Currency in Circulation: Relevance of Cashless System and Technology Acceptance Theory in Nigeria." IIARD International Journal of Banking And Finance Research 9, no. 2 (2023): 34–54. http://dx.doi.org/10.56201/ijbfr.v9.no2.2023.pg34.54.

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The electronic money, digital cloud payments, banknote redesign policies and currency in circulation vis-à-vis relevance of cashless system and technology acceptance theory in Nigeria is a rarely covered topic. Design policies are used by central banks to give direction to the design process of banknotes. The study of the banknote design policies of the past century shows that ‘technology-centred policies’ are gaining popularity. Even cryptocurrencies such as Bitcoin, Ethereum, Facebook’s Diem, Corda, Fabric and Ripple are competing for a spot in the cashless world, constantly reinventing them

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KIZYMA, Tetiana, and Yurii KHAMYHA. "FINANCIAL FRAUD: THEORETICAL CONCEPTUALIZATION AND ECONOMIC BASIS." WORLD OF FINANCE, no. 2(59) (2019): 109–23. http://dx.doi.org/10.35774/sf2019.02.109.

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Introduction. Intensive development of the world economic processes, contagion of globalization trends, growth of banking and other financial and credit services have led to increase in role of finance in modern life. In addition, an active use of the latest information technologies, cashless form of settlements has led to growth of various types of fraud in the financial sector. Therefore, study of theoretical and conceptual foundations of financial fraud and identification of its most important features is extremely relevant under today’s conditions of development of Ukrainian economy. Purpo

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R., Venkatesh, and Sangeetha D. "CUSTOMERS' PERCEPTION TOWARDS NEFT AND RTGS SERVICES – A STUDY ON INDIAN BANKING INDUSTRY." International Journal of Advanced Trends in Engineering and Technology 2, no. 2 (2017): 91–103. https://doi.org/10.5281/zenodo.913468.

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The main advantage of a cashless society is that a record of all economic transactions through electronic means makes it almost impossible to sustain black market or underground economies that often prove damaging to national economies. However cash is the preferred mode of payment for those sections of society no having access to formal payment system. A slow transformation has taken place in the various sectors of society migrating financial transaction (receipts and payments) to electronic mode. This transformation will undoubtedly continue because of the universal concept of computerizatio

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Mithila, G., and K. Lingesiya. "Impact of Non-Cash Payments on the Economic Growth of Sri Lanka." International Journal of Contemporary Business Research 3, no. 2 (2025): 1–23. https://doi.org/10.4038/ijcbr.v3i2.11.

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There has been extensive discourse on the topic of cashless payments, and their global adoption has witnessed exponential growth in recent years. Cash transactions pose certain challenges, notably the impracticality of managing physical currency and the restricted accessibility of financial institutions to withdraw cash. Multiple research studies have affirmed the positive influence of cashless payments on economic growth, thus highlighting their crucial significance. The present study aims to examine the effects of cashless payments on the economy of Sri Lanka. In particular, the investigatio

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Lestari, Deka Anggun, Endah Dewi Purnamasari, and Budi Setiawan. "Pengaruh Payment Gateway terhadap Kinerja Keuangan UMKM." Jurnal Bisnis, Manajemen, dan Ekonomi 1, no. 1 (2020): 1–10. http://dx.doi.org/10.47747/jbme.v1i1.20.

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Financial Technology (Fintech) is a combination of technology and financial services. There are several types of fintech, including Peer to Peer Lending, Risk and Investment Management, Market Aggregator, Payment, Clearing and Settlement, which changes an old innovation with digital technology. One widely used fintech is Payment Gateways such as OVO and Go-Pay, which encourage cashless society. One indicator that is implemented to measure Payment Gateway's financial performance is sales revenue. This study aims to examine the effect of Payment Gateway on the Financial Performance of Small Medi

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Bezdelov, A., and E. Loginova. "Innovative Forms of Management and Cybersecurity of Cashless Payments in the Context of Digitalization of the Banking Ecosystem." Scientific Research and Development. Economics of the Firm 9, no. 3 (2020): 25–31. http://dx.doi.org/10.12737/2306-627x-2020-25-31.

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Changing behavioral skills of consumer financial services and the growing competitive pressure of startups are destroying traditional business models and prompting the creation of new strategies. For this reason, banks and other regulated financial intermediaries strive to quickly master developments in the field of financial technologies and change the formats of customer service, taking into account the capabilities of their budgets. The existing methods of making cross-border transfers and non-cash payments using their traditional forms, as well as new-generation digital financial instrumen

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Fahrudin, Fahrudin, and Putri Lailatul Isnaini. "Pengaruh Penggunaan Quick Response Code Indonesian Standard (QRIS) Oleh UMKM Terhadap Pendapatan Usaha." Jurnal Manajemen Stratejik dan Simulasi Bisnis 4, no. 1 (2023): 1–11. http://dx.doi.org/10.25077/mssb.4.1.1-12.2023.

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QRIS is an aggregation of QR codes from several types of Penyelenggara Jasa Sistem Pembayaran (PJSP) using only one QR code (Bank Indonesia, 2020). QRIS is here to facilitate cashless payment transactions. But unfortunately, in using QRIS there are MDR and Settlement costs that are charged to UMKM so that it has the potential to reduce UMKM income. This study aims to test and analyze how the influence of the use of QRIS through the PJSP DANA application by UMKM has on business income in Kraksaan District. The method used is quantitative with simple linear regression analysis, partial test (t t

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Vishwam, Dr Siddhartha S. "Impact of Digitization and Digital Banking System in Development of Souharda Co-Operative Banks in Karnataka." International Journal for Research in Applied Science and Engineering Technology 13, no. 3 (2025): 3422–26. https://doi.org/10.22214/ijraset.2025.68091.

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This present study focuses on the impact of digitization and digital banking system in development of SCBs in Karnataka. Digitization is the process of converting data into digital format. Digitalization means the adoption of technology. Digitalization affects everything to solve the problem by going cashless and increases the efficiency of new and existing customers. The digital technologies have achieved very rapid adaptation in a very short period. It is fully digitalized from day one, and it is providing all the needs of the customers efficiently. As the banks are digitalized the gap betwe

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