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Relevant bibliographies by topics / Credit and debit tracking

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Academic literature on the topic 'Credit and debit tracking'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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Journal articles on the topic "Credit and debit tracking"

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Steven, Kamanga, and Jimu Pempho. "Virtual credit and debit card issuing system." i-manager’s Journal on Software Engineering 18, no. 4 (2024): 38. http://dx.doi.org/10.26634/jse.18.4.20777.

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Malawi's technological landscape is rapidly evolving across various sectors, including finance and business, driven by innovative individuals who are constantly pushing the boundaries of innovation. The internet plays a pivotal role in this transformation, enabling seamless online transactions that have become integral to modern financial practices. This technological evolution relies heavily on advanced payment methods, including traditional options like Visa cards and cutting-edge cryptocurrencies such as Bitcoin. The practicality of implementing a Virtual Card Issuing System to address key

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Pradeep Kumar, S., and N. Shanmugasundaram. "Pin number theft recognition and cash transaction using sixth sense technology in ATM/CDM." International Journal of Engineering & Technology 7, no. 2.31 (2018): 178. http://dx.doi.org/10.14419/ijet.v7i2.31.13435.

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Nowadays peoples using credit/debit card for cash transaction for their daily needs. Meanwhile for deposit and withdrawal of huge amount the consumers use the automated teller machine or cash deposit machine. Due to this the crime related to ATM like pin number theft, fraud calls etc increasing day by day. This paper aim to reduce the risk related to pin number theft. We proposed a sixth sense technology which can access by our gestural interface to do the normal operation for cash transaction rather than touching the pin number plate which will be helpful for eliminating the theft related wit

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Saepulloh, Yusup, Dadi Rosadi, and Asep Ririh Riswaya. "SISTEM PELAPORAN KUNJUNGAN DEBT COLLECTOR KARTU KREDIT BERBASIS TRACKING GPS." JURNAL COMPUTECH & BISNIS 15, no. 1 (2021): 1–6. https://doi.org/10.5281/zenodo.4958031.

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<em>This study aims to create a system according to the needs of collectors, optimize the input of visit reports that can be accessed on each collector's cellphone and there is information on the results of bills from each collector both from the results of daily bills and the final results of billing and TL (Team Leader) can monitor collector visits via GPS tracking. The benefits of this research can be a solution to the problem of collector visits and help the Team Leader of PT. Bank Central Asia Tbk so that work becomes more effective and can make it easier for collectors to input visit

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Md., Lubna Firdous, Nousheen Thameena, K. Rajitha Dr., K. Shirisha Mrs., and K. Sreekala Dr. "FINGROW." Recent Trends in Information Technology and its Application 8, no. 3 (2025): 36–45. https://doi.org/10.5281/zenodo.15532304.

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<em>With today's fast-paced digital economy, sound personal money management has never been more important. The FINGROW is a user-friendly web-based application that allows the user to obtain instant feedback on their personal finance health. The application was designed with simplicity and automation in mind, so spending can easily be tracked.</em> <em> </em> <em>One of the strongest capabilities is SMS-based transaction data extraction simulation—simulating the manner in which actual banking notices come in the form of messages. This makes the system able to automatically extract

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DR, BHADRAPPA HARALAYYA. "MILLENNIALS AND MOBILE-SAVVY CONSUMERS ARE DRIVING A HUGE SHIFT IN THE RETAIL BANKING INDUSTRY." Journal of Advanced Research in Operational and Marketing Management ISSN: 2582-5399 4, no. 1 (2021): 17–19. https://doi.org/10.5281/zenodo.5017863.

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Banking institutions are in a race to provide the newest online and mobile features to their users, as retail banking branches lose their relevance fast.Capturing the attention of younger adults - and, in particular, millennials - when they&rsaquo;re first choosing their bank can lead to a longterm market advantage. BI Intelligence been closely tracking evolving trends in the payments industry, and how mobile is one of the biggest disruptive threats to legacy businesses, including merchant service providers, payment terminal providers, big financial institutions, and credit and debit card comp

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T Gabor, Gideon. "Uncharted waters: an exegetical exploration of Ghana’s regulatory framework in relation to cryptocurrency." University of Cape Coast Law Journal 1, no. 1 (2021): 37–56. http://dx.doi.org/10.47963/ucclj.v1i1.223.

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 The historical evolution of money has taken many forms such as precious metals, cowries, banknotes and coins, with the latest stage of this evolving continuum being digital currency. This evolution has been characterised by the gradual movement to a more cashlite aware society. The transition is being facilitated by constant improvement in financial technologies and services. Ghana is no exception to this development. The emergence of credit and debit cards as well as mobile banking is digitising Ghana’s currency whilst extending financial services across the country. Mobile money payme

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Grimes, Amanda, and Michele Baker. "The Effects of a Citywide Bike Share System on Active Transportation Among College Students: A Randomized Controlled Pilot Study." Health Education & Behavior 47, no. 3 (2020): 412–18. http://dx.doi.org/10.1177/1090198120914244.

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Introduction. Despite the known health benefits of biking, within the last year, 46% of college students reported not riding a bike. This trend indicates a need to explore interventions to increase bicycling. The purpose of this study was to examine how a free membership to a citywide bike share system, with a campus docking station, affected bicycling and physical activity. Method. Undergraduate students were recruited from a Midwest University to participate in this research study in spring 2018. Each participant wore an activity-tracking device for 3 weeks and was randomly assigned to eithe

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Harris, Wesley L., and Jarunee Wonglimpiyarat. "Blockchain platform and future bank competition." Foresight 21, no. 6 (2019): 625–39. http://dx.doi.org/10.1108/fs-12-2018-0113.

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Purpose Given that Blockchain technology poses a growing challenge to the banking industry, this paper aims to analyse the innovation of Blockchain banking with regard to its systemic dimension, as well as dynamics of competition. The empirical research demonstrates how the systemic characteristics of Blockchain banking relate to the pursuit of strategies and to what extent these strategies influence the directional path and level of technology diffusion. Design/methodology/approach The research study uses a case study methodology to explore the strategic competition of Blockchain banking. The

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Tribhan, Akshay Sunil. "Adoption of Digital Payment Systems and its Influence on Consumer Behaviour in India." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem30181.

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The economic life of India is undergoing significant changes with the rapid adoption of digital payment systems. This study explores the complex relationship between this phenomenon and its subsequent impact on consumer behavior. The Digital India programme, technological advances and a young, tech-savvy population have all contributed to the growth of digital payments in India. This study examines the key factors influencing the adoption of digital payment methods with a focus on perceived ease of use. , security considerations and government incentives. It examines how these factors and demo

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Zinman, Jonathan. "Debit or credit?" Journal of Banking & Finance 33, no. 2 (2009): 358–66. http://dx.doi.org/10.1016/j.jbankfin.2008.08.009.

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Dissertations / Theses on the topic "Credit and debit tracking"

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Butler, Valerie-May Alicia. "'Debit them, credit me' : B.S. Johnson's experiments with truth." Thesis, University of Kent, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.413316.

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Gilda, Rupa [Verfasser]. "Problems and Prospects of Credit Card and Debit Card Holders in Nanded City / Rupa Gilda." München : GRIN Verlag, 2020. http://d-nb.info/1215101120/34.

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Hellander, Martin. "Credit Value Adjustment: The Aspects of Pricing Counterparty Credit Risk on Interest Rate Swaps." Thesis, KTH, Matematisk statistik, 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-173225.

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In this thesis, the pricing of counterparty credit risk on an OTC plain vanilla interest rate swap is investigated. Counterparty credit risk can be defined as the risk that a counterparty in a financial contract might not be able or willing to fulfil their obligations. This risk has to be taken into account in the valuation of an OTC derivative. The market price of the counterparty credit risk is known as the Credit Value Adjustment (CVA). In a bilateral contract, such as a swap, the party’s own creditworthiness also has to be taken into account, leading to another adjustment known as the Debi

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Alija, Yousef. "An examination of the adequacy of the Libyan Penal Code to deal with credit and debit card forgery." Thesis, Bangor University, 2014. https://research.bangor.ac.uk/portal/en/theses/an-examination-of-the-adequacy-of-the-libyan-penal-code-to-deal-with-credit-and-debit-card-forgery(750cea77-1244-419f-a4e0-2c0a7cf7beed).html.

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The development of credit and debit cards and the invisible information which they hold raises an argument that these cards may not be covered by the meaning of “document” in the context of forgery under the Libyan Penal Code. Under forgery law in Libya, the subject matter of forgery must be a “document” or a “paper”. Because the principle of legality is one of the legal systems’ fundamental principles, these two words (document and paper) may not be applicable to credit and debit cards. This raises a problem not only relating to whether existing criminal law covers the alteration of informati

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Bachleda, Jozef. "Analýza implementácie projektu SEPA." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-198485.

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The goal of this work is to define and analyze european integration within the payment system of the European Union, with the main focus on project SEPA and its payment instruments. In first part it covers the legislative phase, the general characteristics, goals and advantages of the project, institutions responsible for the implementation and coordintation of the project, EU clearing system and standardization of SEPA payment instruments. Analytical part of thesis focus on description and analysis of economical effects of project and individual SEPA payment instruments and their implementati

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Kubát, Martin. "Využití platebních karet v maloobchodě." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-86054.

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The aim of the diploma thesis The Use of payment cards at the czech retail market is the analysis of benefits for card holders and the retailers. The theoretical part describes the history of payment cards, their types, variability of their use and supporting services and defines the relationship among holders of payment cards, banks and retailers. The practical part is focused on the research motives for using payment cards by their holders and the retailers.

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Grönberg, Jonathan. "Study and Case of Wrong-Way Risk : Explorative Search for Wrong-Way Risk." Thesis, Karlstads universitet, Handelshögskolan (from 2013), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-72689.

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Usage of financial measurements that address the default probability of counterparties have been market practice for some time. Quantifying counterparty credit risk is usually done through the credit value adjustment which adjusts the value from a risk-free value to a risky value. When quantifying the credit value adjustment there is an important assumption that the financial exposure (value) and probability of counterparty default are independent variables. Wrong-way risk implies a relationship where exposure and probability of default are increasing together. It is an unfavourable relationsh

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Wilson, Belinda R. "The Forgotten Signature: An Observational Study on Policy of Securing Identity in Prevention of Identity Theft and Credit/Debit Card Fraud at Retail Store POS Terminals." Digital Commons @ East Tennessee State University, 2016. https://dc.etsu.edu/etd/3074.

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Identity theft and credit and bank card fraud is increasing in America and worldwide. Given the current statistics of its prevalence and practices around the world, many in government are starting to take critical notice due to its impact on a nation’s economy. Limited amounts of research have been conducted regarding the practices of applying the Routine Activities Theory (Cohen & Felson, 1979) to better equip store managers in understanding the critical need for capable and effective point of sale guardianship for in-store prevention of credit or bank card fraud due to identity theft. This r

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Sun, Yan. "An investigation into financial fraud in online banking and card payment systems in the UK and China." Thesis, Loughborough University, 2011. https://dspace.lboro.ac.uk/2134/8290.

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This doctoral thesis represents an investigation into financial fraud in online banking and card payment systems in the UK and China, involving network security, online financial transactions, internet fraud, card payment systems and individuals' perception of and behaviours towards electronic environments. In contrast to previous studies, the research questions were tackled by survey questionnaires both in the UK and China, with a particular interest in fraud and attempted fraud. The main findings from the UK respondents were that those with higher IT skill and younger respondents are more li

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Kůrečková, Jana. "Analýza produktů SEPA." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-85196.

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This thesis deals with the analysis of payment instruments, Single European Payments Area and the development and implementation in the Slovakia and Slovenia. The work defines the meaning and objectives of SEPA. This thesis describes the historical development, legal framework and an overview of the participating sectors in SEPA project. The following are the essential characteristics of basic types of SEPA payment instruments, infrastructures and standardization of SEPA. There is outlined a brief history and organizational structure of the SEPA project in the both the countries, further work

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Books on the topic "Credit and debit tracking"

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Gustav, Freytag. Debit and credit. Howard Fertig, 1990.

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Ltd, Mintel International Group, ed. Credit and debit cards. Mintel International, 2000.

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Ltd, Mintel International Group, ed. Credit and debit cards. Mintel International, 2000.

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Basel, Roberta. Checks, credit, and debit cards. Capstone Press, 2006.

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Lindsey, Ian. Credit cards: The authoritative guide to credit and payment cards. Rushmere Wynne, 1994.

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Stephenson, Graham. Credit, debit & cheque cards: Law and practice. Central Law Publishing, 1993.

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Kevin, Swift T., Janowitz Gail, and Business Communications Co, eds. Credit and debit cards: What's new? where to? Business Communications Co., 1998.

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Janowitz, Gail. Credit and debit cards: What's new? where to. Business Communications Co., 1995.

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Margaret, Hall. Credit cards and checks. 2nd ed. Heinemann Library, 2008.

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Bird, Francis A. Understanding accounting fundamentals: The logic of debit/credit. s.n.], 2006.

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Book chapters on the topic "Credit and debit tracking"

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Soni, Arun. "Debit/Credit Card Security." In The Cybersecurity Self-Help Guide. CRC Press, 2021. http://dx.doi.org/10.1201/9781003148678-10.

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Thring, M. W., and Avril Blake. "The debit and credit balances." In Man, Machines and Tomorrow. Routledge, 2023. http://dx.doi.org/10.4324/9781032643359-4.

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Fusaro, Marc Anthony. "Debit Cards: The New, Old Way to Pay." In Household Credit Usage. Palgrave Macmillan US, 2007. http://dx.doi.org/10.1057/9780230608917_9.

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Judge, Stephen. "Bills of Exchange, Cheques, Credit and Debit Cards." In Business Law. Macmillan Education UK, 1999. http://dx.doi.org/10.1007/978-1-349-14962-9_15.

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Husz, Orsi. "Launching the Credit Card: New Moralities of Credit and Payment." In Palgrave Studies in Economic History. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-77653-3_4.

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Abstract Thi chapter traces the history of the Swedish credit card market from the late 1950s to the early 1980s and looks at the moral reframing of consumer credit by means of the cards. An early adoption of new banking and data technologies in Sweden was combined with a negative general attitude towards consumer credit. Introduced in 1959 and inspired by the American example, Swedish credit cards had to be reconceptualised, reshaped and renamed before they could be accepted. Marketers exploited the non-credit properties of the card and used it as a device for de-vicing—destigmatising—consume

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Ramlall, Indranarain. "Impact of Debit and Credit Cards on Currency in Circulation in Mauritius." In Economics and Finance in Mauritius. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-39435-0_9.

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Karnani, Suruchi, and Neha Agrawal. "Bound Constructive Fraud and Implementing Dual Accessibility Approach on Biometric Credit/Debit Cards." In Data Driven Approach Towards Disruptive Technologies. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-15-9873-9_4.

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Gupta, Ruchi, W. Ramana Rao, and Muskan Diwan. "An Analytical Study on the Usage of Debit Card and Credit Card in Indian Economy." In Handbook of Evidence Based Management Practices in Business. Routledge, 2023. http://dx.doi.org/10.4324/9781003415725-43.

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Zhang, Yan, Lei Mao, and Bingyu Kou. "A Perturbed Risk Model with Liquid Reserves, Credit and Debit Interests and Dividends Under Absolute Ruin." In Advances in Intelligent Systems and Computing. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-02116-0_40.

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Deville, Joe. "Digital subprime: tracking the credit trackers." In The Sociology of Debt. Policy Press, 2019. http://dx.doi.org/10.56687/9781447339533-009.

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Conference papers on the topic "Credit and debit tracking"

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B, Prapulla S., Hamsaveni R, Himashree N. R, et al. "Blockchain-Powered Carbon Credit Management: Innovating Sustainability Tracking." In 2024 8th International Conference on Computational System and Information Technology for Sustainable Solutions (CSITSS). IEEE, 2024. https://doi.org/10.1109/csitss64042.2024.10817037.

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Rojas-Bustamante, Leibnitz-Pavel, Hugo Alatrista-Salas, Miguel Nunez-del-Prado, and Joseph Chamorro Gomez. "Tourism Mobility Modeling based on Credit and Debit Card Transactions." In 2021 XLVII Latin American Computing Conference (CLEI). IEEE, 2021. http://dx.doi.org/10.1109/clei53233.2021.9640035.

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Alashwali, Eman, Ragashree Mysuru Chandrashekar, Mandy Lanyon, and Lorrie Faith Cranor. "Detection and Impact of Debit/Credit Card Fraud: Victims' Experiences." In EuroUSEC 2024: The 2024 European Symposium on Usable Security. ACM, 2024. http://dx.doi.org/10.1145/3688459.3688464.

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"A benchmark of non-stop SQL on the debit credit transaction." In the 1988 ACM SIGMOD international conference. ACM Press, 1988. http://dx.doi.org/10.1145/50202.50243.

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Bautista, Yohn Jairo Parra, Richard Alo, and NingNing Wang. "Deep Learning, Cloud Computing for Credit/Debit Industry Analysis of Consumer Behavior." In 2020 7th IEEE International Conference on Cyber Security and Cloud Computing (CSCloud)/2020 6th IEEE International Conference on Edge Computing and Scalable Cloud (EdgeCom). IEEE, 2020. http://dx.doi.org/10.1109/cscloud-edgecom49738.2020.00010.

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Salah Uddin, Mohammad, Nakul Chandra Das, and Aoyan Barua. "The mCard approach for Bangladesh: A smart phone based Credit/Debit/ATM card." In 2013 16th International Conference on Computer and Information Technology (ICCIT). IEEE, 2014. http://dx.doi.org/10.1109/iccitechn.2014.6997374.

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Laurens, Roy, and Cliff C. Zou. "Using Credit/Debit Card Dynamic Soft Descriptor as Fraud Prevention System for Merchant." In GLOBECOM 2016 - 2016 IEEE Global Communications Conference. IEEE, 2016. http://dx.doi.org/10.1109/glocom.2016.7842369.

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"The Impact of Contribution in Aid of Construction on Utility Dilapidated Infrastructure: Evidence from the State of Florida [Abstract]." In InSITE 2019: Informing Science + IT Education Conferences: Jerusalem. Informing Science Institute, 2019. http://dx.doi.org/10.28945/4371.

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Aim/Purpose: The study examines the current credit treatment of Contribution in Aid of Construction (CIAC) on investor own utilities (IOU) and its impacts on the current state of utility infrastructure in the state of Florida Background: The Congressional Budget Office describes a synergist contributing to the present aged utility infrastructure is the cost of replacement within the water industry. The state of Florida treats Contribution in Aid of Construction (CIAC) as a liability with a credit expense balance. The ratemaking process does not include CIAC Methodology: The study used the late

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Vicente, María Rosalía, and María Valdivieso-Anívarro. "Big Data Sources for Private Consumption Estimation: Evidence from Credit and Debit Card Records." In CARMA 2018 - 2nd International Conference on Advanced Research Methods and Analytics. Universitat Politècnica València, 2018. http://dx.doi.org/10.4995/carma2018.2018.8286.

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Zhou, Xiaoming, Wenzhong Qian, Baifu Huang, et al. "Utilities Risk Indexing --- A Case for Person-to-Person (P2P) Debit and Credit Utilities." In 2018 International Conference on Machine Learning and Cybernetics (ICMLC). IEEE, 2018. http://dx.doi.org/10.1109/icmlc.2018.8527040.

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Reports on the topic "Credit and debit tracking"

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Hayashi, Fumiko, Aditi Routh, Sam Baird, and Jalen Nichols. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2023. http://dx.doi.org/10.18651/icf/variouscountries2023update.

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Hayashi, Fumiko, and Sam Baird. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2022. http://dx.doi.org/10.18651/icf/variouscountries2022update.

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Hayashi, Fumiko, and Vanessa Nimmo. Credit and Debit Card Interchange Fees in Various Countries. Federal Reserve Bank of Kansas City, 2021. http://dx.doi.org/10.18651/icf/variouscountries2021update.

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Gandelman, Néstor, Rodrigo Lluberas, Daniel Misail, and Diana Gaitan. The Impact of a Financial Inclusion Program on Household’s Payment Choice, Savings, and Credit. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004789.

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Uruguay implemented an ambitious financial inclusion program that included a fiscal stimulus through VAT rebates and subsidies for point of sale (POS) adoption. One of its main provisions banned cash payment of wages and social benefits and forced financial institutions to open wage-accounts with extremely beneficial conditions. In the aggregate, the number of debit cards transactions increased sharply. We test the wage-banking channel of the financial program exploiting differences in the treatment intensity between public sector and private sector workers. We find that while the provision of

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Cruces, Guillermo. Conditional Cash Transfers, Debit Cards and Financial Inclusion: Experimental Evidence from Argentina. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0005079.

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Cash transfer and other social protection programs in developing countries have often been accompanied by measures to foster financial inclusion, such as the adoption and use of bank accounts and electronic means of payments. Argentina's social benefits are paid in bank accounts and accessed through debit cards. With the simultaneous objective of fostering formality among beneficiaries and stores, the use of debit cards for purchases has been incentivized by means of additional subsidies. We studied the low take-up of these extra benefits by means of a field experiment involving 400,000 benefi

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Duncan, Michael. CRediT Contributor Register: A practical tool for tracking and recognising individual research contributions using the CRediT taxonomy. University of Dundee, 2025. https://doi.org/10.20933/100001402.

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The CRediT Contributor Register is a user-friendly Excel-based template designed to help research leaders and teams record and acknowledge individual contributions to research projects using the Contributor Roles Taxonomy (CRediT). Developed to support transparent authorship practices and inclusive research culture, this tool enables Principal Investigators (PIs), project managers, and collaborators to track contributions across 14 defined CRediT roles, from conceptualisation and data curation to project administration and software development. Ideal for use in UK Higher Education Institutions

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Vargas-Herrera, Hernando, Juan Jose Ospina-Tejeiro, Carlos Alfonso Huertas-Campos, et al. Monetary Policy Report - April de 2021. Banco de la República de Colombia, 2021. http://dx.doi.org/10.32468/inf-pol-mont-eng.tr2-2021.

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1.1 Macroeconomic summary Economic recovery has consistently outperformed the technical staff’s expectations following a steep decline in activity in the second quarter of 2020. At the same time, total and core inflation rates have fallen and remain at low levels, suggesting that a significant element of the reactivation of Colombia’s economy has been related to recovery in potential GDP. This would support the technical staff’s diagnosis of weak aggregate demand and ample excess capacity. The most recently available data on 2020 growth suggests a contraction in economic activity of 6.8%, lowe

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Credit and Debit Card Interchange Fees Assessed to Merchants in the United States. Federal Reserve Bank of Kansas City, 2017. http://dx.doi.org/10.18651/psr01.

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Financial Infrastructure Report 2022. Banco de la República, 2023. http://dx.doi.org/10.32468/rept-sist-pag.eng.2022.

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Banco de la República's monitoring of the local financial market infrastructure is an additional contribution to the country's financial stability. One of the products of that monitoring has been the Payment Systems Report, which is now known as the Financial Infrastructure Report. The change in name, as of this edition, is intended to reflect in a broader way the issues that are addressed in the report. The 2022 edition includes several changes that are the result of a comparative study of financial infrastructure reports prepared by other central banks. These changes seek to make the report

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Payment Systems Report - June of 2020. Banco de la República de Colombia, 2021. http://dx.doi.org/10.32468/rept-sist-pag.eng.2020.

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Abstract:

With its annual Payment Systems Report, Banco de la República offers a complete overview of the infrastructure of Colombia’s financial market. Each edition of the report has four objectives: 1) to publicize a consolidated account of how the figures for payment infrastructures have evolved with respect to both financial assets and goods and services; 2) to summarize the issues that are being debated internationally and are of interest to the industry that provides payment clearing and settlement services; 3) to offer the public an explanation of the ideas and concepts behind retail-value paymen

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