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Journal articles on the topic 'Choice of payment instrument'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Hedman, Jonas, Felix B. Tan, Jacques Holst, and Martin Kjeldsen. "Taxonomy of payments: a repertory grid analysis." International Journal of Bank Marketing 35, no. 1 (2017): 75–96. http://dx.doi.org/10.1108/ijbm-12-2015-0187.

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Purpose Recent innovations in payment instruments have fundamentally changed the ways we pay. These innovations, such as mobile/SMS payments and online banking, contain features that are likely to influence how people choose to pay. The purpose of this paper is to understand the factors that impact payers’ choice of payment instruments. Design/methodology/approach Through in-depth interviews using the repertory grid technique, the authors explored 15 payers’ perceptions of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and online banking. The a

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2

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

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

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

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

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Foster, Kevin, Claire Greene, and Joanna Stavins. "Can cash and mobile pay co-exist? What the data tell us." Journal of Payments Strategy & Systems 18, no. 3 (2024): 309. http://dx.doi.org/10.69554/vblp4711.

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As US consumers increasingly turn to multiple financial institutions, multiple FinTech providers and multiple payment apps, getting a full picture of the consumer’s wallet is rare. Drawing on data collected through the Survey and Diary of Consumer Payment Choice — a representative survey of US consumers conducted since 2008 — this paper provides insights into US consumers’ adoption of bank accounts and payment instruments, their recent use of payment instruments, their payment choices for purchases and bills, and the evolution in their practices over the last decade of innovation in payments.

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Swiecka, Beata, and Simon Grima. "Factors Affecting the Consumers’ Choice of Payment Instrument in Poland." EUROPEAN RESEARCH STUDIES JOURNAL XXII, Issue 4 (2019): 179–98. http://dx.doi.org/10.35808/ersj/1505.

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Bruno KAROUBI. "DO SURCHARGES INFLUENCE OUR CHOICE OF PAYMENT INSTRUMENT? THEORY AND EVIDENCE." Bankers, Markets & Investors 169, no. 2 (2022): 13. https://doi.org/10.54695/bmi.169.13.

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Cash withdrawals effected at an Automated Teller Machine (ATM) external to the network of the bank of the cardholder incur a surcharge fee. We investigate whether surcharges impact cash withdrawals and the use of bank card. We develop a toy theoretical model that takes into account both the heterogeneity of cash preference relative to card and the heterogeneity of the disutility of nypassing surcharges by moving to an ATM that belongs to the cardholder’s bank. We find that cardholders withdraw greater amounts more often at such ATMs when surcharges are implemented. Surcharges do not influence

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Karoubi, Bruno. "Do surcharges influence our choice of payment instrument? Theory and evidence." Bankers, Markets & Investors N° 169, no. 2 (2022): 13–23. https://doi.org/10.54695/bmi.169.0013.

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

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

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

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

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CALLADO-MUÑOZ, Francisco J., Jana HROMCOVÁ, and Natalia UTRERO-GONZÁLEZ. "Effects of institutional environment and technology development on payment choice." Technological and Economic Development of Economy 24, no. 1 (2015): 81–107. http://dx.doi.org/10.3846/20294913.2015.1074952.

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The purpose of this paper is to analyze the combination of institutional factors and technology advances as determinants for the choice of payment instruments. The theoretical set up suggests that countries that enter into a new institutional environment adopt the attitudes of the accepting group towards the payment choices as a consequence of institutional pressure and technology development. We apply the results of the model to the European Union enlargement process of 2004. Our findings confirm the relevance of both institutional environment and technology development in retail payment c

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Borzekowski, Ron, and Elizabeth K. Kiser. "The Choice at the Checkout : Competition Among Payment Instruments." Finance and Economics Discussion Series 2006, no. 17 (2006): 1–34. http://dx.doi.org/10.17016/feds.2006.17.

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Borzekowski, Ron, and Elizabeth K. Kiser. "The choice at the checkout: Quantifying demand across payment instruments." International Journal of Industrial Organization 26, no. 4 (2008): 889–902. http://dx.doi.org/10.1016/j.ijindorg.2007.07.006.

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Williams, Travis M., and William R. Travis. "Evaluating Alternative Drought Indicators in a Weather Index Insurance Instrument." Weather, Climate, and Society 11, no. 3 (2019): 629–49. http://dx.doi.org/10.1175/wcas-d-18-0107.1.

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Abstract Weather index insurance is a popular means of mitigating agricultural risks. Drought is a significant cause of lost agricultural production, and so precipitation index–based plans are common. Simple “percent of normal” indices are often used because they are easy to calculate and communicate to policyholders. However, the ability of such indices to reflect production losses is limited, reducing the ability of insurance to efficiently mitigate risk. This is especially true in rangeland livestock production given the cumulative effects of rainfall and other factors on range production a

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Pérez-Rubio, Iván, Daniel Flores, Christian Vargas, Francisco Jiménez, and Iker Etxano. "To What Extent Are Cattle Ranching Landholders Willing to Restore Ecosystem Services? Constructing a Micro-Scale PES Scheme in Southern Costa Rica." Land 10, no. 7 (2021): 709. http://dx.doi.org/10.3390/land10070709.

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Deforestation and the unsustainable management of agricultural and livestock production systems in tropical mountain areas have caused fragmented and degraded landscapes. Payment for ecosystem services (PES) could be an effective policy instrument with which to reduce deforestation and restore disturbed ecosystems. The national-scale PES program in Costa Rica is recognized as being successful; however, its financial resources have been mostly dedicated to forest protection, and much less to reforestation projects. This paper aims to construct a micro-scale PES scheme by using primary data gene

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Piersiala, Luiza, and Judyta Kabus. "The choice of payment method in online stores depending on demographic characteristics." Journal of Modern Science 53, no. 4 (2023): 557–77. http://dx.doi.org/10.13166/jms/177175.

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ObjectivesThe subject of consideration in this article is to determine differences in the form of payment on the Internet depending on selected characteristics of respondents.Material and methodsThe main research problem in this aspect was to answer the question: What types of payment instruments are used in distance transactions depending on gender, place of residence and age? The time scope of the analysis covers the period from October 2022 to February 2023. The basic research method was the CAPI method, based on a questionnaire. In order to verify the hypotheses, statistical analyzes were

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Rofiah, Syahbaniar, and Didik Setiyadi. "Pemilihan FinTech Payment untuk Mahasiswa menggunakan Fuzzy Technique For Order Preference by Similarity of Ideal Solution." BINA INSANI ICT JOURNAL 7, no. 1 (2020): 13. http://dx.doi.org/10.51211/biict.v7i1.1341.

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Abstrak: Pembayaran saat ini beragam macamnya dari pembayaran menggunakan uang tunai,kartu sampai dengan dompet digital. Dompet digital merupakan alat pembayaran yang sahdibawah pengawasan OJK seperti contoh Gopay, OVO, Dana, Link aja, Shopepay dan lain-lain.Pemilihan dompet digital sangat berperan bagi ekonomi mahasiswa, semakin tinggi tingkatekonomi mahasiswa pemilihan dompet digital pun berubah. Penelitian ini untuk pemilihan fintechpayment yaitu Gopay, OVO, Dana, Link Aja dan Shopepay untuk Mahasiswa menggunakanMetode Fuzzy Technique For Order Preference by Similarity of Ideal Solution (TO

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Hassani, Fereshteh, Siamak Jafarzadeh, and Salman Alipour. "Analysis of the Place in Checks and Bills of Exchange in Iranian Law." Comparative Studies in Jurisprudence, Law, and Politics 5, no. 3 (2023): 92–99. http://dx.doi.org/10.61838/csjlp.5.3.7.

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The place in checks and bills of exchange is one of the issues surrounding these commercial instruments. Despite its recognition in Iranian commercial law, discussions about the subjects and issues within its scope—such as the transfer of ownership of the place and, more broadly, the benefit of its inclusion in checks and bills of exchange—remain unclear due to the legislator's silence. This has led to numerous disputes in this area, disputes that affect the holder’s relationship with the responsible parties of the instrument and put their rights at risk. What is consistent with the rules rega

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Lazareva, N. A., I. G. Zaytseva, and E. M. Zvyagina. "Transformation of the retail payment system in the context of digitalization." Economics and Management 28, no. 6 (2022): 606–14. http://dx.doi.org/10.35854/1998-1627-2022-6-606-614.

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Aim. The presented study aims to identify key factors that currently determine the spread and development of various payment methods and that will determine their development in the future.Tasks. The authors analyze the fundamental concepts of digital retail payment methods in Russian and foreign economics; identify factors affecting the emergence and development of payment methods; conduct a survey of students and teachers of economic universities in St. Petersburg regarding the payment methods they use and method choice factors; present results and formulate conclusions.Methods. This study u

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Doyle, Joseph, John Graves, and Jonathan Gruber. "Evaluating Measures of Hospital Quality: Evidence from Ambulance Referral Patterns." Review of Economics and Statistics 101, no. 5 (2019): 841–52. http://dx.doi.org/10.1162/rest_a_00804.

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Hospital quality measures are crucial to a key idea behind health care payment reforms: “paying for quality” instead of quantity. Nevertheless, such measures face major criticisms largely over the potential failure of risk adjustment to overcome endogeneity concerns when ranking hospitals. In this paper, we test whether patients treated at hospitals that score higher on commonly used quality measures have better health outcomes in terms of rehospitalization and mortality. To compare similar patients across hospitals in the same market, we exploit ambulance company preferences as an instrument

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USYK, Vladislavа, and Serhii VOITKO. "Risk management related to the use of payment systems." Economics. Finances. Law, no. 7/1 (July 30, 2021): 30–35. http://dx.doi.org/10.37634/efp.2021.7(1).6.

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Payment system is a complex system of managing funds transfers and settlements between economic entities, which ensures the rational implementation of the basic functions, uninterrupted financing of activities using the latest methods and payment instruments used to reduce cash flow and ensure the effectiveness of monetary, monetary policy countries. In the course of its functioning, the payment system, like any economic system, can be exposed to the risks of its professional activity. Characteristic risks of the payment system are credit risk, liquidity risk, currency risk, operational, legal

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Arista, Sundari Anda, and Endah Saptutyningsih. "Estimation of Willingness to Pay for Development and Preservation of Liwa Botanical Garden Indonesia." Journal of Economics Research and Social Sciences 4, no. 2 (2020): 118–28. http://dx.doi.org/10.18196/jerss.v4i2.10103.

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This research aims to find out how big the willingness of Kebun Raya Liwa visitors to pay for the ticket and to find the factors influencing that willingness. Visitors of Kebun Raya Liwa who are 20 years old or above are the subject of this report. This study uses primary data and uses a purposive sampling method to interview the subject with 304 people. The instrument used for the analysis is the Contingent Valuation Method (CVM). Each person is Rp 6.500 according to the average results of willingness to pay using Dichotomous Choice. Results of the analysis show that variables in age, educati

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Shi, Qing, and Xiaoqi Sun. "A Scientometric Review of Digital Currency and Electronic Payment Research: A Network Perspective." Complexity 2020 (November 9, 2020): 1–17. http://dx.doi.org/10.1155/2020/8876017.

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The potential implications of digital currencies and electronic payment (DC/EP) have become a hot global research area. To present the knowledge bases and research fronts of this field, we apply a scientometric approach to analyze 454 publications obtained from the Web of Science core collection. Results show that, first, the knowledge bases can be classified into three main topics: (1) the usage and diversification effect of private digital currencies from the point of investment and asset allocation; (2) the price dynamics and market efficiency of private digital currencies; and (3) other ec

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Annaufal, Ariq Idris, April Lia Dina Mariyana, and Anjar Priyono. "Market-Based Instruments for Environmental Management: A Comparative Analysis." RSF Conference Series: Business, Management and Social Sciences 3, no. 3 (2023): 19–23. http://dx.doi.org/10.31098/bmss.v3i3.686.

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Market-Based Instruments (MBIs) have emerged as effective tools for environmental management, aiming to align economic decisions with environmental goals through the application of market principles and economic incentives. This paper presents a comprehensive review and comparative analysis of different MBIs, including Emissions Trading Schemes (ETS), Environmental Taxes, Subsidies and Grants, Tradable Permits, and Payments for Ecosystem Services (PES). The analysis examines the characteristics, effectiveness, and implications of each instrument, drawing insights from case studies and scholarl

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K. Pramudito, Dendy, Sayed Achmady, Dominica Maria Ratna Tungga Dewa, Tedi Pitri, and Diwahana Mutiara Candrasari Hermanto. "The Application of Technology-Organization-Environment Framework to Analyze SME Readiness in Using Digital Payment Applications." Jurnal Informasi dan Teknologi 5, no. 3 (2023): 95–90. http://dx.doi.org/10.60083/jidt.v5i3.406.

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The purpose of this study is to identify the variables that affect SMEs' preparedness to use e-wallets. This study employed a quantitative methodology. This method falls under the experimental research category. Questionnaires were used as the instrument of choice for gathering data. The study's target population consists of SMEs who have made payments using e-wallets. Purposive sampling was the method employed, and 200 samples total were collected. SmartPLS software was used in the data analysis for this study. At this point, the outer model and the inner model were the subjects of two analys

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Watts, Jennifer J., and Leonie Segal. "Vouchers for chronic disease care." Australian Health Review 32, no. 3 (2008): 451. http://dx.doi.org/10.1071/ah080451.

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This paper explores the economic implications of vouchers for chronic disease management with respect to achieving objectives of equity and efficiency. Vouchers as a payment policy instrument for health care services have a set of properties that suggest they may address both demand-side and supply-side issues, and contribute to equity and efficiency. They provide a means whereby health care services can be targeted at selected groups, enabling consumer choice of provider, and encouraging competition in the supply of health services. This analysis suggests that, when structured appropriately,

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Rarawahyuni, Ika, Wulandari Eka Putri, Toto Sukarnoto, and Ibrahim Babatunde Paramole. "The Influence of Lifestyle, Cashless Society and Residential Location on the Intention to Use QRIS as a Payment Tool." Ecobankers : Journal of Economy and Banking 6, no. 1 (2025): 10–21. https://doi.org/10.47453/ecobankers.v6i1.3166.

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As the digital age progressed, several updated technologies were implemented, with the sole one affecting the incorrect payment method. People now choose to employ convenience while transacting with different types of matters. This research examines the effects of QRIS as a payment instrument on the Cirebon Regency community regarding their lifestyle choices, cashless society, and place of residence. This study utilises data from communities within the Cirebon Regency area. The research method employed is quantitative field research, which uses data analysis techniques, including instrument va

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Kristofani, Amelia, Agnes Kania, Anastasia Felice, et al. "HUBUNGAN PERTIMBANGAN MANFAAT DAN RISIKO, ALAT PEMBAYARAN, DAN TEMPAT BERBELANJA DENGAN PERILAKU KONSUMEN MENJAGA PROTOKOL KESEHATAN." Jurnal Manajemen 18, no. 2 (2022): 153–70. http://dx.doi.org/10.25170/jm.v2i18.2884.

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During the pandemic, consumers are advised to pay attention to health protocols regarding product consumption This study aims to determine the relationship between preferences of evaluating benefit or risk, selection of payment instruments, and places to shop with considerations of health protocols in consumption behavior. To test the hypothesis that payment instruments and places to shop affect the consideration of health protocols in consumer behavior, an online survey was distributed to 1058 participants with age 18-25 years who are currently living in Jakarta, Bogor, Depok, Tangerang, and

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Sayuti, Muhammmad Noor, та Wijaya Wijaya. "E-MONEY DITINJAU DARI DIMENSI MAQĀṢID AL-SYARĪ’AH". JURNAL AL-QARDH 3, № 1 (2019): 13–27. http://dx.doi.org/10.23971/jaq.v3i1.1182.

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The increasing popularity of technology-based pasyment system substanstially changes conventional payment system design from cash payment system to non-cash payment system. Gradually, the expansion is impressive enough to change paradigm of economist in micro-transaction settlement, as well as becoming the root of Less Cash Society spirit creation.One of the instruments of non-cash payment which has been a trend today is E-money.It is an electronic-based non-cash payment. Some studies showed that there was a positif impact to monetery policy earned from this trend, its influence in the level o

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MOHAMMED, ESSAM YASSIN, INA PORRAS, MARYANNE GRIEG-GRAN, et al. "ASSESSING PREFERENCES FOR COMPENSATION PACKAGES USING THE DISCRETE CHOICE METHOD: THE CASE OF THE BOLSA FLORESTA PROGRAM IN AMAZONAS, BRAZIL." Journal of Environmental Assessment Policy and Management 15, no. 04 (2013): 1350021. http://dx.doi.org/10.1142/s146433321350021x.

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Natural ecosystems, including forest ecosystems, continue to be degraded or converted at an alarming rate. To complement or substitute regulatory approaches to ecosystem management, market-based instruments such as "payments for ecosystem services" (PES) have been introduced and are gaining popularity. One of the prominent PES schemes in the world is the Bolsa Floresta Program (BFP) in the State of Amazonas, Brazil. The BFP was established by the Government of the State of Amazonas through its Secretariat for Environment and Sustainable Development in 2006 and is implemented by the Amazonas Su

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Choi, Jae Young, Jungwoo Shin, and Jongsu Lee. "Strategic Management of New Products: Ex-Ante Simulation and Market Segmentation." International Journal of Market Research 55, no. 2 (2013): 289–314. http://dx.doi.org/10.2501/ijmr-2013-024.

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Among various methodologies for demand forecasting of new products, the random-coefficient discrete-choice model using stated preference data is considered to be effective because it reflects heterogeneity in consumer preference and enables the design of experiments in the absence of revealedpreference data. Based on estimates drawn from consumer preference data by structural hierarchical Bayesian logit models, this study develops the overall, strategic, demand-side management for new products by combining market share simulation and a rigorous clustering methodology, the Gaussian mixture mode

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Bakanauskienė, Irena, Rita Bendaravičienė, and Laima Barkauskė. "Features of Employer Attractiveness on Lithuanian Business Organizations: Employees’ Perceptions." Management of Organizations: Systematic Research 77, no. 1 (2017): 7–23. http://dx.doi.org/10.1515/mosr-2017-0001.

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Abstract Elections of the most attractive employer take place both in Lithuania and worldwide. Instruments used to measure organizational attractiveness in these elections are focused on a priori features of a universal “employer of choice” and therefore neglecting a fact that people may have different perceptions and preferences. Addressing this limitation the article presents the results of an empirical study of employer attractiveness in Lithuanian business sector. Based on the responses (N = 1020) to an open-ended question, the study allowed to identify the most important features of an at

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Cheung, Stephen L. "Comment on “Risk Preferences Are Not Time Preferences”: On the Elicitation of Time Preference under Conditions of Risk." American Economic Review 105, no. 7 (2015): 2242–60. http://dx.doi.org/10.1257/aer.20120946.

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Andreoni and Sprenger (2012a, b) report evidence that distinct utility functions govern choices under certainty and risk. I investigate the robustness of this result to the experimental design. I find that the effect disappears completely when a multiple price list instrument is used instead of a convex time budget design. Alternatively, the effect is reduced by half when sooner and later payment risks are realized using a single lottery instead of two independent lotteries. The result is thus at least partially driven by intertemporal diversification, supporting an explanation in terms of con

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Nowicka, Dr Katarzyna. "Cloud computing as a factor of the supply chain competitiveness." Kwartalnik Nauk o Przedsiębiorstwie 47, no. 2 (2018): 51–63. http://dx.doi.org/10.5604/01.3001.0012.4729.

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Cloud computing is a resource, as well as an instrument, which in a complex and diverse manner can have an impact on the structure of the factors shaping the competitiveness of supply chains by stimulating their integration and improving the quality of management. By analysing the results of the study in the context of factor and resulting competitiveness identifying the role of cloud computing in the supply chain management, it must be stated that the reasons for its choice interacted with strategic goals. In terms of the impact of cloud computing on the reduction of costs, the respondents me

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Stojšić-Dabetić, Jelena, and Predrag Mirković. "Digital property: Specific issues in the application of private international law rules." Pravo - teorija i praksa 41, no. 4 (2024): 121–33. https://doi.org/10.5937/ptp2404121s.

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Digital property emerges as a new segment of property law, while simultaneously being a consequence of the digitalization of financial intermediation and representing a form of technological innovation that substitutes payment services and investments in the banking and stock markets. Key issues that arise include the choice of governing law, internationally competent courts, and the recognition and enforcement of foreign court and arbitration decisions related to transactions in cryptocurrencies, which are the most widespread form of digital assets. This paper is designed to highlight the spe

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Kusuma Wardani, Adelia, and Handri Dian Wahyudi. "Customer satisfaction sebagai mediasi pengaruh perceived value terhadap customer loyalty dalam pengguna OVO." Jurnal Ekonomi, Bisnis dan Pendidikan 1, no. 4 (2021): 365–79. http://dx.doi.org/10.17977/um066v1i42021p365-379.

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The current payment system, the non-cash payment system, has many benefits and has become a new lifestyle for the community. With the variety of choices offered by electronic money services, companies need to make users loyal to the services provided. Some factors that influence customer loyalty are perceived value and customer satisfaction. The present study employed a quantitative approach with descriptive and explanatory research designs. Respondents involved in the study were 154 OVO’s users recruited using non-probability and purposive sampling techniques. They were selected using the Dan

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TESLENKO, Irina B., and Dar’ya O. MASLAKOVA. "Financial instruments as a basis for the development of financial literacy: Essence, types, classification." Finance and Credit 30, no. 3 (2024): 603–19. http://dx.doi.org/10.24891/fc.30.3.603.

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Subject. The article addresses the process of financial instruments functioning. Objectives. The purpose is to disclose the typology of financial instruments and supplement the current classification. Methods. During the study, we reviewed methodological materials of the Bank of Russia, the Moscow Stock Exchange, financial and analytical publications, and employed the statistical analysis. Results. We analyzed the current situation with financial instruments in the financial market of the Russian Federation, disclosed the typology of financial instruments, and supplemented it from the point of

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Fang, Liu. "An Assessment of Multi-dimensional Factors Influencing Patronage of E-Commerce Channels in Beijing, China: Inputs for Loyalty Program." JPAIR Multidisciplinary Research 59, no. 1 (2025): 1–21. https://doi.org/10.7719/jpair.v59i1.918.

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Cognizant of the growing Chinese e-commerce as one of the fundamental elements of the modern world because of technological advancements, this empirical study investigated e-businesses that utilize a variety of digital channels, such as social media, websites, and specialized applications, to market their products. Through a quantitative-descriptive research method, this study assessed the factors influencing e-commerce patronage, including product type, product quality, pricing competitiveness, user experience, and information security. The respondents were 300 customers of Tiktok, TaoBao, an

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Senyuta, Iryna. "Modern Civilistic Instruments of Medical Reform: Issues of Law Implementation and Law Enforcement." Journal of the National Academy of Legal Sciences of Ukraine 27, no. 3 (2020): 109–27. http://dx.doi.org/10.37635/jnalsu.27(3).2020.109-127.

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The study of the latest civilistic instruments of medical reform is conditioned by its purpose, which is to clarify the legal nature of the declaration of choice of primary care physician and the contract for medical care under the programme of medical guarantees, highlighting the specific features of the right to choose a doctor, conditioned by the outlined tolls, as well as identifying gaps and controversies in the legislation of Ukraine and judicial practice in law enforcement in this area. The main method of the study was the method of studying judicial practice, which allowed to assess th

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Kubetska, Olha M., Tatiana M. Ostapenko, and Yana S. Paleshko. "Management of Current Assets of Enterprise under Special Conditions." Business Inform 8, no. 535 (2022): 159–65. http://dx.doi.org/10.32983/2222-4459-2022-8-159-165.

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The article discusses the role of current assets in ensuring the normal (efficient) operation of enterprise. The objectives of the article are: studying the theoretical foundations of the assessment of current assets and searching for relevant ways to improve the efficiency of the use of current assets as factors influencing the state of the enterprise, as well as the creation for managers of numerous economic entities of an information platform for making managerial decisions on the formation and use of current assets of enterprises during the wartime. The article generalizes the likely varia

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Rustanto, Agung Edi, and Iis Kartini. "EFEKTIVITAS PEMBAYARAN NON TUNAI PADA UMKM DAERAH ALIRAN SUNGAI CITARUM." JURNAL LENTERA BISNIS 8, no. 2 (2019): 1. http://dx.doi.org/10.34127/jrlab.v8i2.302.

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<p class="Style4"><span>The rapid development of non-cash payment systems has also developed non-cash payment instruments which are alternative choices for MSMEs in the Citarum river basin to increase sales because they offer convenience to customers. MSMEs in the Citarum River Basin still need to accelerate in terms of business strategies to improve their business results. This needs to be done because buying and selling transactions with a non-cash payment system can be an efficient payment alternative as well as for transactions that can increase the effectiveness of the payment

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Karaev, Alan K., Oksana S. Gorlova, Vadim V. Ponkratov, Marina L. Sedova, Nataliya S. Shmigol, and Margarita L. Vasyunina. "A Comparative Analysis of the Choice of Mother Wavelet Functions Affecting the Accuracy of Forecasts of Daily Balances in the Treasury Single Account." Economies 10, no. 9 (2022): 213. http://dx.doi.org/10.3390/economies10090213.

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Improving the accuracy of cash flow forecasting in the TSA is key to fulfilling government payment obligations, minimizing the cost of maintaining the cash reserve, providing the absence of outstanding debt accumulation and ensuring investment in financial instruments to obtain additional income. This study aims to improve the accuracy of traditional methods of forecasting the time series compiled from the daily remaining balances in the TSAbased on prior decomposition using a discrete wavelet transform. The paper compares the influence of selecting a mother wavelet out of 570 mother wavelet f

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Mardiyah, Suci, Alfiatun Zahrah, Muhammad Syaipudin, Mifta Hasda, and Wahyu Febri Ramadhan Sudirman. "Comparative Analysis of The Benefits of Sukuk and Bonds in Indonesia." Journal of Financial and Business 1, no. 1 (2024): 1–10. https://doi.org/10.69693/jfb.v1i1.13.

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This research aims to analyze the comparison of profits between sukuk and bonds in Indonesia, focusing on aspects such as structure, principles, and regulations, as well as the risk and profit profile of each instrument. Sukuk, which is based on Islamic sharia principles, offers the benefits of real asset ownership and profit-sharing-based income, while conventional bonds offer certainty of income through fixed interest payments. This study also discusses regulations governing the issuance of sukuk and bonds, and their impact on investment security and transparency. The analysis results show t

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Benedict, Titus Adesegun. "Smuggling Activities and School Environment as Correlates of Students’ Learning Outcomes in Economics." International Journal of Research and Innovation in Social Science VII, no. XII (2024): 571–83. http://dx.doi.org/10.47772/ijriss.2023.7012047.

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Smuggling activities across borders by individuals who want to evade the payment of customs duties and tax is not a new trend, but the involvement of secondary school students whose schools are sited in border towns is novel. Thus, the study sought to investigate the correlation between smuggling activities and the school environment on learning outcomes in Economic concepts in secondary schools. The study is underpinned by the Rational Choice Theory within the positivism paradigm. The study was designed using descriptive survey research. A sample size of 320 respondents was obtained through t

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Bazhenova, Olena, and Liudmyla Demydenko. "CUSTOMS TARIFF INSTRUMENTS THAT REGULATE IMPORT OPERATIONS OF TOBACCO PRODUCTS AND SUBSTITUTES." Problems and prospects of economics and management, no. 1(33) (2023): 66–74. http://dx.doi.org/10.25140/2411-5215-2023-1(33)-66-74.

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The article examines the customs tariff instruments for regulating the activity of tobacco products and tobacco substitutes importers. Ukraine is not a country that produces tobacco substitute products, namely electronic cigarettes, and therefore this product is only imported to the territory of Ukraine. The tax aspect was analyzed, and a detailed calculation of the tobacco substitutes importer tax burden was identified. It is important to analyze the importer tax burden, and as a result, final consumer tax burden, based on 2023. The excessive difference between legally and illegally imported

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SAKLEN, ASIF. "FUTURE OF E-COMMERCE IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem32600.

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E-commerce as anything that involves an online transaction. E-commerce provides multiple benefits to the consumers in form of availability of goods at lower cost, wider choice and saves time. The general category of e-commerce can be broken down into two parts: E-merchandise: E-finance. E commerce involves conducting business using modern communication instruments: telephone, fax, e-payment, money transfer systems, e-data interchange and the Internet. Online businesses like financial services, travel, entertainment, and groceries are all likely to grow. Forces influencing the distribution of g

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James, Urien. "Teachers' Welfare as Determinants of Students Learning Outcomes in Junior Secondary Schools in Delta South Senatorial District." INTERNATIONAL JOURNAL OF SOCIAL SCIENCE HUMANITY & MANAGEMENT RESEARCH 3, no. 04 (2024): 450–55. https://doi.org/10.5281/zenodo.10990074.

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The study examined teachers' welfare as determinants of students’ learning outcomes in Junior Secondary schools in Delta South Senatorial District. The study had a sample size of 364 participants, and the instruments employed were the teachers' welfare questionnaire and the mathematics BECE). An estimate of dependability, using the Cronbach alpha approach, was obtained, and the resulting reliability index was 0.78. The research questions were addressed by calculating the coefficient of determination using Pearson's product moment correlation. Based on this data, it was determined that th

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Iorgachova, Maria, Olena Kovalova, and Ivan Plets. "FINANCIAL ENGINEERING AS A TOOL FOR THE DEVELOPMENT OF CORPORATE BOND MARKET IN EASTERN EUROPE ON THE EXAMPLE OF UKRAINE." Baltic Journal of Economic Studies 4, no. 4 (2018): 120–25. http://dx.doi.org/10.30525/2256-0742/2018-4-4-120-125.

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In the context of the gap between the financial and real sectors of the Ukrainian economy, there is a problem of the absence of financial instruments able to solve the issue of financing the development of the national economic system on a long-term basis. At the current stage of the stock market development, financial engineering has a significant potential for the effective application since it can become an instrument that meets the current needs of the market. The purpose of this article is to study the current dynamics of development and features of the corporate bond market in Ukraine, a

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

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

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Pati, Umi Khaerah, and Anugrah Muhtarom Pratama. "Indonesia’s Open Banking Future: Designing Effective Regulatory Approaches." Jambe Law Journal 8, no. 1 (2025): 27–60. https://doi.org/10.22437/home.v8i1.371.

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To determine the most suitable approach for framing open banking regulations, it is crucial to understand the specific goals of open banking adoption in a particular country. By employing a legal comparative approach, this paper explores regulatory frameworks for designing open banking regulation in Indonesia. The analysis encompasses key legislative instruments, such as the Payment Services Directive 2 (PSD2) in the UK, Consumer Data Right (CDR) in Australia, General Data Protection Regulation (GDPR) in the EU, and relevant Indonesian laws. The research finds that the Indonesian Financial Ser

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Figueroa, C. I., N. Moore, and M. Flaws. "Clinical Validation and Comparison of Bacterial Vaginosis Detection." American Journal of Clinical Pathology 162, Supplement_1 (2024): S111. http://dx.doi.org/10.1093/ajcp/aqae129.247.

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Abstract Introduction/Objective Bacterial vaginosis (BV) is considered a top reason for women’s gynecological visits, causing symptoms such as vaginal discharge, foul odor, itching, and burning associated with the alteration of the normal vaginal microbiome. It is often presented as a decrease in Lactobacillus spp. and an increase in anaerobic organisms such as Gardnerella vaginalis and Atopobium vaginae. In response to the demand for more automated and less subjective testing, molecular methods have recently been developed to aid in BV testing. The objectives of this study are to validate and

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