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Journal articles on the topic 'Credit and debit tracking'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

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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Simpson, Sarah. "Debit or Credit?" Scientific American 284, no. 2 (2001): 25. http://dx.doi.org/10.1038/scientificamerican0201-25.

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Yusuf, Dina Yuliana, and Sony Kristiyanto. "Transaksi Digital Perbankan dan Dampaknya dengan Perekonomian Indonesia." Economie: Jurnal Ilmu Ekonomi 3, no. 2 (2022): 138. http://dx.doi.org/10.30742/economie.v3i2.1815.

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The process of analyzing the effect of short-term and long-term non-cash payment systems on economic growth in Indonesia in the form of P.D.B. Non-cash payment systems are represented by debit/debit cards, credit cards/credit cards and electronic money/e-money using time series data (January 2010 – December 2020) with E.C.M.(Error Correction Model). The conclusion obtained shows that the transaction volume of debit/debit cards, credit cards/credit cards and electronic money/e-money in the short term/short term has no effect on economic growth in Indonesia and the volume of card transactions in

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Mujilan, Agustinus. "DEBIT CREDIT FRAMING EFFECT IN THE INVESTMENT ALOCATION DECISION." KINERJA 21, no. 2 (2017): 188. http://dx.doi.org/10.24002/kinerja.v21i2.948.

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This study aims to test the effect of accounting information in the investment decision if information is framed in debit or credit. Also, this study attempts to develop or formulate the framing instruments that essenced in accounting debit credit concept. The quasi experiment is applied for undergraduate accounting students. Wilcoxon ranks test is applied to test the data. The results show that there are framing effects which asset information is more favorable than liabilities, revenue information is more favorable than asset, and equity information is more favorable than asset. There is a t

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Kian, Antonius Maria Laot. "Tindak Pidana Credit/Debit Card Fraud dan Penerapan Sanksi Pidananya dalam Hukum Pidana Indonesia." Hasanuddin Law Review 1, no. 1 (2015): 47. http://dx.doi.org/10.20956/halrev.v1i1.39.

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Penelitian ini bertujuan untuk mengetahui pengaturan hukum dan penerapan sanksi pidana terhadap tindak pidana credit/debit card fraud di Indonesia. Metode penelitian yang digunakan adalah penelitian normatif dengan mengelompokan ketentuan-ketentuan yang relevan dengan tindak pidana credit/debit card fraud yaitu berdasarkan Undang- Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik; selain itu digunakan pula Convention on Cybecrime 2001. Analisis bahan hukum dilakukan melalui pendekatan perundang-undangan (statue approach) untuk menciptakan suatu ius constituendum mengenai pe

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Kian, Antonius Maria Laot. "Tindak Pidana Credit/Debit Card Fraud dan Penerapan Sanksi Pidananya dalam Hukum Pidana Indonesia." Hasanuddin Law Review 1, no. 1 (2015): 47. http://dx.doi.org/10.20956/halrev.v1n1.39.

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Penelitian ini bertujuan untuk mengetahui pengaturan hukum dan penerapan sanksi pidana terhadap tindak pidana credit/debit card fraud di Indonesia. Metode penelitian yang digunakan adalah penelitian normatif dengan mengelompokan ketentuan-ketentuan yang relevan dengan tindak pidana credit/debit card fraud yaitu berdasarkan Undang- Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik; selain itu digunakan pula Convention on Cybecrime 2001. Analisis bahan hukum dilakukan melalui pendekatan perundang-undangan (statue approach) untuk menciptakan suatu ius constituendum mengenai pe

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Chen, Shimin. "THE RISE AND FALL OF DEBIT-CREDIT BOOKKEEPING IN CHINA: HISTORY AND ANALYSIS." Accounting Historians Journal 25, no. 1 (1998): 73–92. http://dx.doi.org/10.2308/0148-4184.25.1.73.

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This paper presents a century-long history of the debit-credit method of double-entry bookkeeping in China. Since introduced to China at the turn of this century, debit-credit bookkeeping has gone through many years of turbulence until 1992, when the Chinese government officially designated it as the standard bookkeeping method. Rather than taking a narrow technical perspective, this paper examines many historical events that shaped bookkeeping methods in China from a broad socioeconomic and political viewpoint. The story of debit-credit bookkeeping in China exemplifies how accounting is inter

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Alraddadi, Abdulaziz Saleh. "A Survey and a Credit Card Fraud Detection and Prevention Model using the Decision Tree Algorithm." Engineering, Technology & Applied Science Research 13, no. 4 (2023): 11505–10. http://dx.doi.org/10.48084/etasr.6128.

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Today, many people prefer online payment methods due to the rapid growth in cashless electronic transactions. Credit and debit cards are the most popular electronic payment methods but are prone to fraud due to the nature of their use and the tendency of fraudsters to access their details. This study proposes a theoretical credit fraud detection and prevention model using a Decision Tree Algorithm (DCA). Moreover, a survey questionnaire was used to investigate students' perceptions of credit card fraud incidents. Data were collected from 102 students from different universities and countries a

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Mashabi, M., and Wasiaturrahma Wasiaturrahma. "ELECTRONIC BASED PAYMENT SYSTEMS AND ECONOMIC GROWTH IN INDONESIA." Jurnal Ilmu Ekonomi Terapan 6, no. 1 (2021): 97. http://dx.doi.org/10.20473/jiet.v6i1.26287.

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This research aims to analyze the effect of electronic payment systems based on credit cards, debit cards, and electronic money, as well as macroeconomic variables namely the money supply (M1), price level, and velocity of money towards real gross domestic product as a proxy for economic growth. The estimation carried out in this journal uses the Vector Error Correction Model (VECM) with period time series data of 2010:1-2018:12. The results of the journal show that doing debit card and electronic money-based transactions has a significant positive effect on economic growth in Indonesia in the

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Oktaviyanti Panjaitan, Lystia, and Nurbetty Herlina Sitorus. "Analisis Pengaruh Transaksi Non Tunai Terhadap Peredaran Uang Tunai di Indonesia." Jurnal Indonesia Sosial Teknologi 3, no. 10 (2022): 1117–30. http://dx.doi.org/10.36418/jist.v3i10.521.

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This study aims to determine the effect of non-cash payment instruments on cash circulation, analyze variables that affect the decline in cash use in Indonesia such as ATM/debit, credit cards, e-money and mobile banking. This study uses secondary data in the form of time series and the model used in this study is the ECM approach to determine the correlation between ATM/debit cards, credit cards, e-money and digital banking on cash circulation. The results showed that ATM/debit cards have a significant positive effect on cash circulation in the long and short term. In the long and short term c

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Dolly E. Hinayon. "Diffusion of Cashless Payment as Medium of Exchange in ASEAN Nations." Journal of Educational and Human Resource Development (JEHRD) 8 (November 11, 2020): 71–79. http://dx.doi.org/10.61569/kand3n67.

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ASEAN countries are heading toward a cashless economy. Credit cards and debit cards are the major platforms of cashless payment. These platforms diffuse at a faster rate. Bass Diffusion Model was utilized to analyze and estimate the rate of the diffusion of credit cards and debit cards. The data was derived from the percentage of individuals aged 15+ who have a credit card and/or debit card in the years 2011, 2014 and 2017. Data was derived from seven ASEAN member countries: Singapore, Malaysia, Thailand, Philippines, Indonesia, Vietnam and Cambodia. Results showed that countries like Singapor

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Ozili, Peterson K. "Comparing Digital Finance in the UK, US, India and Nigeria." Financial Internet Quarterly 16, no. 4 (2020): 1–11. http://dx.doi.org/10.2478/fiqf-2020-0023.

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Abstract This paper examines digital finance usage in the UK, US, India and Nigeria. Using data from the global financial development indicators, the findings reveal that the UK and US have higher digital finance usage than India and Nigeria. The US has higher credit card usage compared to the UK while the UK has higher debit card usage compared to the US. Also, Nigeria has higher debit card usage than India. The findings also show that higher debit card usage is correlated with higher domestic credit to the private sector in the US and Nigeria. Higher credit card usage is correlated with lowe

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Damayanti, Rika, Rinaldi Syahputra, and Nurjannah. "effect of non-cash payment transactions on economic growth: Evidence from Indonesia." International Journal of Advances in Social Sciences 1, no. 1 (2024): 24–30. http://dx.doi.org/10.62941/ijass.v1i1.13.

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This study aims to see how the development of non-cash transaction activities that occur in society using debit cards, credit cards, and e-money as independent variables in this study. This type of research uses a quantitative data approach, and the data is secondary data sourced from Statistics Indonesia and Bank Indonesia publications from 2009 to 2021. The analysis method used in this research is multiple linear regression. The analysis results show that the debit card variable has a positive and significant effect on economic growth, and credit cards have a positive and significant effect

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Anugrah, Johan, and Izharuddin Izharuddin. "The Effect of Debit, Credit and BI-RTGS Card Usage on Indonesia's Economic Growth." Asian Journal of Management Analytics 4, no. 2 (2025): 645–54. https://doi.org/10.55927/ajma.v4i2.14299.

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This study aims to analyze the effect of debit, credit and BI-RTGS card usage on economic growth in Indonesia using secondary data from 34 provinces in Indonesia in the period 2019 to 2023. This study uses the panel data linear regression analysis method with the E-views application to process data. The dependent variable used is Gross Regional Domestic Product (GRDP), while the independent variables include debit card usage, credit card usage and Bank Indonesia Real Time Gross Settlement (BI-RTGS) transactions. The results showed that debit card usage, credit card usage and BI-RTGS significan

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Rosanti, Octavia, and Sri Maulida. "Pengaruh Sistem Pembayaran Elektronik Terhadap Inflasi Di Indonesia." ARBITRASE: Journal of Economics and Accounting 3, no. 1 (2022): 33–38. http://dx.doi.org/10.47065/arbitrase.v3i1.418.

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This research aims to determine the effect of Electronic Money, Credit Card and Debit Card variables on Inflation in Indonesia. The data used is secondary data accessed from the Bank Indonesia website. This research uses monthly time series data from January 2019 to December 2021. The research method used in this research is Multiple Linear Regression using the SPSS application. The results of the research show that the Electronic Money variable has no significant and negative effect on Inflation in Indonesia, the Credit Card variable has a significant and positive effect on Inflation in Indon

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Wang, Shih-Tse. "The effects of risk appraisal and coping appraisal on the adoption intention of m-payment." International Journal of Bank Marketing 38, no. 1 (2019): 21–33. http://dx.doi.org/10.1108/ijbm-10-2018-0272.

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Purpose Although debit and credit cards are widely accepted, consumers still have significant concerns pertaining to the risk of the cards’ usage. Mobile payment (m-payment) acts as identification and a virtual card for consumers, and is viewed as more secure than card payments. However, the influence of consumers’ appraisal of debit and credit cards usage and using m-payment on the adoption intention of m-payment is unclear. Using the protection motivation theory, the purpose of this paper is to explore the effect of risk appraisal of using debit or credit cards and coping appraisal of using

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Mosha, Ms Haika, Dr Nyanjige Mayala, and Dr Hezron Onyancha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.b2597.05010525.

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Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used, where the qualitative and quantitative data were collected. The population of the study was 63 employees of the three banks, and t

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Hestysetyaningsih, Sri. "Penggunaan Media Jari Tangan dalam Meningkatkan Pemahaman Mekanisme Debit Kredit Mata Pelajaran Ekonomi Kelas XII." Journal of Innovation in Teaching and Instructional Media 5, no. 3 (2025): 918–31. https://doi.org/10.52690/jitim.v5i3.945.

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Economic education in secondary schools often faces challenges in enhancing student engagement and ensuring a deep understanding of complex economic concepts. Understanding the principles of debit, credit, and normal balances in accounting, particularly when applied manually, involves illustrating and connecting each transaction with the debit-credit framework. This foundational concept in accounting is critical to ensure that transactions are recorded accurately in accordance with basic accounting principles. This study is a type of classroom action research aimed at addressing issues arising

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Ms., Haika Mosha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.B2597.05010525.

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<strong>Abstract: </strong>Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used where utilization of the qualitative and quantitative data was employed. The population of the study was

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Ms., Haika Mosha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Indian Journal of Economics and Finance (IJEF) 5, no. 1 (2025): 9–17. https://doi.org/10.54105/ijef.B2597.05010525/.

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<strong>Abstract: </strong>Information technology (IT) has transformed the banking industry, and the outbreak of COVID-19 accelerated the trend, making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on the operational performance of medium commercial banks in Moshi Municipality in Tanzania, including Mkombozi Bank, Uchumi Commercial Bank, and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used, where the qualitative and quantitative data were collected. The population of the study was 63 employee

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Pertiwi, Horinda, and Jean Elikal Marna. "Analisis Pengaruh Transaksi Non Tunai Terhadap Pertumbuhan Ekonomi Indonesia." Jurnal Salingka Nagari 2, no. 1 (2023): 36–46. http://dx.doi.org/10.24036/jsn.v2i1.82.

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This study aims to determine the effect of non-cash transactions on Indonesia's economic growth in 2010-2020, with research variables including debit card transactions, credit card transactions, e-money, and Indonesia's economic growth rate in the last eleven years. This type of research is descriptive and associative research. This research uses Multiple Linear Regression analysis model with Ordinary Least Square (OLS) method. The data used in this study are secondary data with the nature of time series data from 2010-2020 obtained from the Central Statistics Agency and Bank Indonesia.The res

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Ansari, Hera Gulam Waris, and Dr Manoj Dnyaneshwar Patil. "Enhancing Credit Card Fraud Detection Using P-XGBoost: A Comparative Study Classical Machine Learning Techniques." International Journal for Research in Applied Science and Engineering Technology 11, no. 9 (2023): 618–23. http://dx.doi.org/10.22214/ijraset.2023.55698.

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Abstract: Ability of debit card companies to detect and prevent fraudulent transactions is crucial to safeguard customers from unauthorized charges. Data Science, particularly Machine Learning, plays a pivotal role in addressing this challenge. This project aims to demonstrate the application of machine learning in Credit debit Fraud Detection by modeling a dataset of past credit card transactions, distinguishing fraudulent ones from legitimate ones. The objective is to achieve a fraudulent transactions while minimizing false positives. Debit Card Fraud Detection is a classic classification is

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Lukmanulhakim, Muhammad, Syaipan Djambak, and M. Komri Yusuf. "Pengaruh transaksi non tunai terhadap velositas uang di Indonesia." Jurnal Ekonomi Pembangunan 14, no. 1 (2019): 41–46. http://dx.doi.org/10.29259/jep.v14i1.8774.

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Current technological developments affecting the payment system. From Barter, Cash to non-cash payment. Nowadays, the most used non-cash payment instrument are Credit Card, Debit Card and E-Money. The use of this payment instrument make consumers easy to pay, thereby increasing the level of consumption. The objective of this study was to analyze the impact of the use of E-Money, Credit Cards and Debit Cards to the Velocity of Money in Indonesia. The data used is the number of transaction in 2010 to 2014. The analysis used was Johansen Co-integration Test to analyze the short-term effects and E

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

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

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Sari, Devi Kartika. "Analisis Pengaruh Transaksi Pembayaran Non Tunai Terhadap Jumlah Uang Beredar Di Indonesia." Journal of Economics Development Issues 3, no. 2 (2020): 361–76. http://dx.doi.org/10.33005/jedi.v3i2.68.

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The advancement of science and technology is always growing rapidly, no exception on financial technology. The development of financial technology has led to innovation payment systems from a cash payment system to a non-cash payment system. The study aims to determine the effect of non-cash transactions (credit card, ATM/debit card, and E-money) on the amount of money supply in Indonesia. Research using data sourced from Bank Indonesia (BI) and the Central Statistics Agency. The data used in this research is the quarter time series data between the years 2015(I) to the year 2019 (II). T

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Puspita, Duwi, Ary Dea Amry, Dea Anjelinah, Ananda Wahitora, and Asraf Mustafa. "Pengaruh Sistem Pembayaran Elektronik Terhadap Permintaan Uang Di Indonesia Dalam Perspektif Ekonomi Islam." Indonesian Journal of Islamic Economics and Business 8, no. 2 (2023): 241–50. http://dx.doi.org/10.30631/ijoieb.v8i2.1869.

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Along with the development of technology and information, the payment system used as a medium of exchange in economic activities continues to change. Current economic transactions do not only use cash but also use electronic non-cash instruments which are more efficient and economical. The purpose of this study was to determine the effect of APMK (debit cards, credit cards) and electronic money on the amount of money demanded. This study uses secondary data sourced from Bank Indonesia and the Central Bureau of Statistics. The data used is annual time series data from 2018 to 2022. The analysis

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Tri Rahayu, Siti Aisyah, Lukman Hakim, and Hamas Faza. "The Effect of Non-Cash Payments on the Money Supply in Indonesia During the Covid-19 Pandemic Period." International Journal of Multidisciplinary: Applied Business and Education Research 4, no. 11 (2023): 3837–47. http://dx.doi.org/10.11594/ijmaber.04.11.06.

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The development of non-cash payments is predicted to have an effect on real money demand, not only in Indonesia. The use of electronic money in Indonesia itself continues to increase especially in the covid-19 pandemic and it supported by technological developments. The purpose of this study was to analyse the effect of non-cash payments on real money demand in Indonesia. The method used is Vector Error Correction Model (VECM) using secondary data from Januari 2019 to December 2022. The independent variable is the amount of money circulated by Bank Indonesia, and the independent variables used

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

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

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Foscht, Thomas, Cesar Maloles, Bernhard Swoboda, and Swee‐Lim Chia. "Debit and credit card usage and satisfaction." International Journal of Bank Marketing 28, no. 2 (2010): 150–65. http://dx.doi.org/10.1108/02652321011018332.

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Porkess, Roger, and Stephen Mason. "Looking at debit and credit card fraud." Teaching Statistics 34, no. 3 (2011): 87–91. http://dx.doi.org/10.1111/j.1467-9639.2010.00437.x.

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Ferguson, David. "OCCUPATIONAL HEALTH IN AUSTRALIA - DEBIT AND CREDIT." Community Health Studies 5, no. 1 (2010): 63–70. http://dx.doi.org/10.1111/j.1753-6405.1981.tb00734.x.

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Johnson, Nick. "Debit/credit travel payment surcharge crackdown looms." Journal of Direct, Data and Digital Marketing Practice 13, no. 2 (2011): 168–70. http://dx.doi.org/10.1057/dddmp.2011.34.

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Wright, Julian. "Pricing in debit and credit card schemes." Economics Letters 80, no. 3 (2003): 305–9. http://dx.doi.org/10.1016/s0165-1765(03)00143-5.

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Krishnan, Prof Dr S. M., and C. Senthilkumar. "A STUDY ON CUSTOMER’S PERCEPTION TOWARDS DEBIT CARD USERS IN PUBLIC AND PRIVATE SECTOR BANKS AT DHARMAPURI DISTRICT." American Journal of Economics and Business Management 1, no. 3 (2018): 67–73. http://dx.doi.org/10.31150/ajebm.vol1.iss3.32.

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Debit card use at the point of sale has grown dramatically in recent years in India and now exceeds the number of credit card transactions.The debit cards are used to withdraw cash from an ATM, purchase of goods and services at Point of Sale, E-commerce online purchase both domestically and internationally.However, it can be used only for domestic fund transfer from one person to another. This paper attempts to study about the customer perception of debit card usages in the banking industry and satisfaction of debit card holders.

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Mosha, Haika Geofrey, Nyanjige Mbembela Mayala, and Hezron Onyancha. "Influence of Technology Adoption on Operational Performance of Medium Banks During Covid-19 Pandemic in Moshi Municipality, Tanzania." Journal of Economics Education and Entrepreneurship 5, no. 3 (2024): 198. https://doi.org/10.20527/jee.v5i3.13094.

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Information technology (IT) has transformed the banking industry and the outbreak of the Covid-19 accelerated the trend making the issue of IT adoption more relevant than ever. This study examines the influence of technology adoption on operational performance of medium commercial banks in Moshi Municipality in Tanzania to include Mkombozi Bank, Uchumi Commercial Bank and Akiba Commercial Bank. A concurrent research design with a mixed methods approach was used where utilization of the qualitative and quantitative data was employed. The population of the study was 63 employees of the three ban

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Putra, Geigiansyah Aulia, Hilda Yunita Sabrie, and Prawitra Thalib. "The Product Characteristic of Electronic Money from the Perspective of the Negotiable Instruments Law." FIAT JUSTISIA:Jurnal Ilmu Hukum 11, no. 4 (2018): 328. http://dx.doi.org/10.25041/fiatjustisia.v11no4.1110.

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The development of currency trading is not only using the cash as a payment instrument for a transaction. For example is the emergence of non-cash payments such as negotiable instruments. That type of instrument offers a more effective and safer way than using the cash. Along with the development of the technology, a non-cash payment innovation emerged, which characteristics, at a glance, similar to negotiable instruments, such as credit cards, debit cards, and electronic money products which gives a safer and more efficient way than using the cash for a transaction. Based on this, led to the

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Nofita, Fifi, and Diah Wahyuningsih. "NAVIGATING THE SHIFT: HOW CASHLESS PAYMENTS, INTEREST RATES, AND COVID-19 AFFECT MONEY SUPPLY." Jurnal REP (Riset Ekonomi Pembangunan) 9, no. 2 (2024): 168–81. http://dx.doi.org/10.31002/rep.v9i2.1137.

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The purpose of this study was to find out how the influence of non-cash payments (debit cards, credit cards, and e-money), BI7DRR interest rates, and the impact of covid-19 on the money supply in Indonesia. The data used is monthly time series data, from September 2018 to August 2021. This study uses a quantitative approach using the Error Correction Model (ECM) method. The data analysis techniques used include: stationarity test, cointegration test, long-term and short-term ECM estimation, classical assumption test, and hypothesis testing. The results show that in the long-term debit cards an

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Uvarov, Evgeniy. "The efficiency assessment of installation of a non-cash system in the public transport to combat the shadow economy." Economics and the Mathematical Methods 57, no. 3 (2021): 86. http://dx.doi.org/10.31857/s042473880016416-6.

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This article describes the shadow economy in the public passenger transport sphere in regions of Russia. The goal of the work is to evaluate the impact of a non-cash payment system on the shadow economy. The relevance is to obtain quantitative assessments of the effectiveness of contactless payments using debit, credit and/or transport cards as a tool to combat the concealment of income by transport organizations via hiding the data on passengers carried in regions of Russia. The author uses econometric analysis of panel data for the period 2015–2018, where the dependent variable is the number

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

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

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Kish, Laszlo B., Kamran Entesari, Claes-Göran Granqvist, and Chiman Kwan. "Unconditionally Secure Credit/Debit Card Chip Scheme and Physical Unclonable Function." Fluctuation and Noise Letters 16, no. 01 (2017): 1750002. http://dx.doi.org/10.1142/s021947751750002x.

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The statistical-physics-based Kirchhoff-law–Johnson-noise (KLJN) key exchange offers a new and simple unclonable system for credit/debit card chip authentication and payment. The key exchange, the authentication and the communication are unconditionally secure so that neither mathematics- nor statistics-based attacks are able to crack the scheme. The ohmic connection and the short wiring lengths between the chips in the card and the terminal constitute an ideal setting for the KLJN protocol, and even its simplest versions offer unprecedented security and privacy for credit/debit card chips and

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Rahmadani, Shinta Ainur, Aprika Wanti Pratama, Nurma Yunita, and Maya Panorama. "Non-cash transactions and the money supply." Jurnal Inovasi Ekonomi 8, no. 02 (2023): 63–68. http://dx.doi.org/10.22219/jiko.v8i02.23388.

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This study examines the impact of non-cash transactions on the money supply (M1) in Indonesia, with inflation as a moderating variable. Using data from 2019 to 2021, we analyze the effects of debit cards, credit cards, and electronic money (e-money) on the money supply. The findings indicate that debit card transactions have no immediate impact, credit card transactions have a slight negative effect, and e-money transactions significantly increase the money supply. These results offer valuable insights for policymakers and financial analysts in understanding and managing the relationship betwe

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