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Journal articles on the topic 'Cyber cash'

Author: Grafiati

Published: 5 June 2025

Last updated: 16 July 2025

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1

Bruton, William F. "Fraud on the Revenue: Emerging Cyber Cash, Cyber Banks and Fraud." Journal of Financial Crime 7, no. 1 (1999): 75–78. http://dx.doi.org/10.1108/eb025924.

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C. S. Goldie, Sheila Jesolit, and James Chithra. "Issues faced by customers towards cyber shopping with reference to Nagercoil town." B-Research 24, no. 2 (2024): 33. https://doi.org/10.26634/bresearch.24.2.21369.

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Cyber shopping is rapidly growing across various sectors, with new trends emerging daily due to technological advancements. The cyber shopping sector has experienced significant economic growth following the COVID-19 pandemic. However, customers face various challenges when making purchases online. Despite the global increase in cyber shopping sales, safety concerns continue to create slight hesitations among customers. This study aims to identify the key issues influencing customers' purchasing decisions regarding cyber shopping in Nagercoil Town. Primary data were collected using the conveni

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Ming-Li, Hsieh, and Kevin Wang Shun-Yung. "Routine Activities in a Virtual Space: A Taiwanese Case of an ATM Hacking Spree." International Journal of Cyber Criminology 12, no. 1 (2018): 333–52. https://doi.org/10.5281/zenodo.1467935.

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<em>Routine activity theory (RAT) was initially proposed to explain shifts in urban crime rates in the late 1970s, and has subsequently been applied to predictions of predatory criminal or victimization events. Despite a number of studies attempting to apply RAT to the vast array of crimes now taking place in a virtual environment such as phishing, fraud, malware infection, identify theft, computer viruses and cyber stalking on the Internet in Western countries, little is known about whether RAT could address automatic teller machine (ATM) hacking in an Asian setting. The current study applies

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Tyunin, Vladimir Ilyich, Anton Gennadievich Antonov, Tatyana Andreevna Ogar, Maria Vitalievna Shkele, and Elena Andreevna Zorina. "Cyber crimes against property in foreign and Russian criminal law." SHS Web of Conferences 108 (2021): 02021. http://dx.doi.org/10.1051/shsconf/202110802021.

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The prerequisite for the study was a significant increase during a pandemic in the number of cyber crimes against property, caused by forced isolation, a reduction in the use of cash and an expansion of the scope of computer technology when concluding civil transactions. Purpose of the study: to identify trends in the criminalization of cyber crimes against property in foreign and Russian criminal law. To achieve the goal, the following methods were used: general scientific – analysis, synthesis, generalization, special scientific – statistical, formal logical, comparative legal, content analy

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Dr.Egho-Promise, Ehigiator Iyobor, Ola Bamidele, and Opoku Sarkodie Emmanuel. "A CYBER FORENSICS STUDY OF ATM DATA TRAFFIC." International Journal of Innovative Research in Information Security VII, no. VII (2020): 69–75. https://doi.org/10.26562/ijiris.2020.v0707.001.

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For several years now, bank customers have become accustomed to the convenient use of Automated Teller Machines (ATM) to transfer money between accounts either within the same bank or to different banks. The ATM provides account balance information, enable customers to deposit and withdraw cash from their accounts and perform other transactions without physically meeting bank staff in banking hall for transactions. The use of ATMs for mobile banking has led to a significant increase in ATM fraud globally. Consumer confidence in the use of ATMs for banks transactions and credit card issuers has

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Shevchuk, Oleg. "Organization of accounting and cyber security of electronic transactions of the enterprise." Economic Analysis, no. 34(3) (2024): 403–16. https://doi.org/10.35774/econa2024.03.403.

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Introduction. Digitization of socio-economic processes has led to an increase in the share of electronic transactions in monetary transactions. Electronic transactions using electronic and cryptographic currencies are the object of increased attention of criminals. The goal of cyberattacks is not only to seize money, but also to steal confidential information, block information flows, create information chaos, damage software and publicly discredit the enterprise. Overcoming various cyber threats requires the organization of an effective system of cyber protection of electronic transactions. P

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Ajitha, P., Malemarpuram Chaitanya Sai, Dheeraj, and A. Sivasangari. "A Joint Optimization Approach to Security- and Insurance Management System on Cloud." Journal of Computational and Theoretical Nanoscience 17, no. 11 (2020): 4944–48. http://dx.doi.org/10.1166/jctn.2020.9245.

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The fundamental point of this undertaking is to joined way to deal with protection and cyber insurance provisioning in the cloud based assets. Right now have introduced a joint way to deal with security and cyber insurance provisioning in the cloud. Utilizing a stochastic improvement, introduced a technique for ideally provisioning the two administrations despite vulnerability in regards to future valuing, approaching traffic and digital assaults. Hence, an application may make preparations for assaults by provisioning security administrations from suppliers, for example, Vast and Trend Micro.

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Samantha, Nevy Bella, Senie Destya, and Wahid Miftahul Ashari. "Perancangan Keamanan Pengguna Cardless dari Ancaman Cyber Crime Menggunakan Kriptografi Curva Elliptic." JURNAL MEDIA INFORMATIKA BUDIDARMA 7, no. 4 (2023): 1706. http://dx.doi.org/10.30865/mib.v7i4.6827.

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In this era, technology has discovered new innovations by creating practical ways of making transactions. Cash withdrawal transactions are now much easier because a new way has been discovered, where people can make transactions without using a card. This is certainly very useful for people whose wallets are often left behind. This ease of carrying out transactions is called Cardless. Cardless itself is a cardless cash withdrawal service that offers a fast and time-saving transaction process. Apart from that, cardless cards also have several advantages, including ATM cards being safer from the

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Srouji, Jeremy. "Digital Payments, the Cashless Economy, and Financial Inclusion in the United Arab Emirates: Why Is Everyone Still Transacting in Cash?" Journal of Risk and Financial Management 13, no. 11 (2020): 260. http://dx.doi.org/10.3390/jrfm13110260.

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Since the oil price downturn of 2015, the United Arab Emirates and fellow Gulf Cooperation Council countries have worked hard to expand digital payments in the interest of improved tax and revenue collection, transparency, and security. Yet despite a deep transformation and diversification of their payment eco-systems and the formalization of plans to become “cashless economies” modelled on South Korea and Sweden, cash continues to dominate payments in both countries. While industry players typically attribute the prevalence of cash in the region to questions of infrastructure readiness, trans

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10

Oliinyk, V. S., and M. M. Rebkalo. "PROTECTION OF SOME HUMAN RIGHTS IN THE AGE OF DIGITALIZATION: PROBLEMS AND PROSPECTS IN UKRAINE." Scientific Herald of Sivershchyna. Series: Law 2024, no. 1 (2024): 92–104. http://dx.doi.org/10.32755/sjlaw.2024.01.092.

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Digitization is the process of creating an all-encompassing cyber-physical space through total digitization with the aim of increasing efficiency, effectiveness, quality and reducing the cost of economic, social and personal activities. Digitization has both many advantages and great threats to basic values in the field of human rights. The most important digital rights of a citizen are currently considered to be the right to confidentiality, anonymity, and depersonalization of already digitized personal information. A very serious violation of human rights in the conditions of digitalization

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Aisya Kamila, Syafira, Muhamad Amirulloh, and Elisatris Gultom. "Penggunaan Nama Tiktok pada Aplikasi Tiktok Cash Secara Melawan Hukum Ditinjau dari Undang-Undang Nomor 19 Tahun 2016 Tentang Perubahan Atas Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi dan Transaksi Elektronik dan Peraturan Pelaksanaanya." Cakrawala Repositori IMWI 6, no. 1 (2023): 314–26. http://dx.doi.org/10.52851/cakrawala.v6i1.229.

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Tort against the use of the application name in the Tiktok Cash application is one of the negative impacts of information technology-oriented social and economic activities. This study aims to find the legal responsibility of Tiktok Cash as the administrator of the electronic system operator and government responsibility. The approach method used in this study is the normative juridical research method approach with descriptive-analytical research specifications, mainly describing the laws and regulations associated with legal theories related to the problem of using the name Tiktok in the Tik

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Rahel, Octora1, S.Sewu2 P.Lindawaty, and Arnold Sugiono Jason. "Regulation on Electronic System Security for E-Wallet in Order to Protect Consumers from Financial Loss Due to Cyber Fraud Based on Indonesian Law." International Journal of Social Science and Human Research 04, no. 08 (2021): 2272–79. https://doi.org/10.47191/ijsshr/v4-i9-01.

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Developments of technology brings out various types of digital financial innovations. Nowadays, we live in a cashless society, where transactions using cash money are minimized. Payments are currently made with electronic money, whether classified as e-money or e-wallet. This research focuses on the security issue of the e-wallet system, considering that there are still various cases of fraud in Indonesia, that result in the loss of the user's e-wallet balance. This research is a normative juridical research that uses secondary data in the form of primary legal materials, such as various r

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Stankovska, Aleksandra, and Elizabeta Stamevska. "CYBERCRIME AND MONEY LAUNDERING IN 21ST CENTURY." Economics and Management 17, no. 1 (2020): 81–88. http://dx.doi.org/10.37708/em.swu.v17i1.7.

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This paper focuses on cybercrime and money laundering. Proceeds of these activities may be used to fund further criminal activities and to undermine the integrity of financial systems worldwide. Money laundering is the biggest method followed by the cyber criminals to hide their black money which they get themselves courtesy to financial frauds they involve into. Money laundering is the process of making large amounts of money generated by a criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source. The money from the criminal activity is co

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14

Bederrna, Zsolt. "Financial Perspective Thought Experiment on Russian Cyber Threat Actors." International Journal of Economics and Finance 15, no. 5 (2023): 1. http://dx.doi.org/10.5539/ijef.v15n5p1.

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Due to the advancement of information and communication technology and related services, the digital world has reached many people, private companies, and governments, and meanwhile, threat actors regarding motivation, knowledge, and capabilities have also evolved, and thus, today, they compete and collaborate with others. Financially motivated threat actors also do businesses; as such, with a higher sophistication level, they create tools and provide them as Malware as a Service (MaaS) for renting, and if they can extract accounts, they launder those amounts of cash through hardly traceable c

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Skrypnyk, Margarita, and Olena Hryhorevska. "ORGANIZATION OF ACCOUNTING INFORMATION PROTECTION IN TERMS OF CYBER SECURITY." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 19(47) (2020): 95–102. http://dx.doi.org/10.25264/2311-5149-2020-19(47)-95-102.

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The purpose of the article is to summarize the existing approaches and outline promising areas for the organization of protection of accounting information in terms of cybersecurity. In the course of the research methods of observation, comparison, analysis, synthesis, generalization were used. The article proves the importance of accounting information for the economic life of the business entity. The importance of the Internet and IT technologies application to reflect certain facts of economic life in the accounting system (cash flow management, sales process, calculations, delivery, online

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Billah, Tsiqoh billah. "Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office." Archives of Business Research 8, no. 4 (2020): 146–54. http://dx.doi.org/10.14738/abr.84.8136.

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This study is a qualitative study aimed at explaining Bank Rakyat Indonesia's mobile banking (m-Banking) services the Jember Sub-Branch Office and to find out BRI's strategy in improving m-Banking service as a reliable product for customers. The progress of the business system with the e-commerce system makes consumers switch ways by using non-cash payment methods (cashless). Technological advancements in the banking sector have encouraged the banking sector to be more innovative in providing non-cash payment services in the form of a transfer system and payment instruments in the form of elec

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17

Arumugam, U., and M. Manida. "Prospects and Problems of Digital Currency." Shanlax International Journal of Economics 11, no. 2 (2023): 58–62. http://dx.doi.org/10.34293/economics.v11i2.6115.

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Digital currency is money managed, stored, and exchanged through digital devices such as computers and smartphones. There are two types of electronic currency:Virtual and cryptocurrencies that have no physical form and exist only digitally. Digital currency, also known as digital money or cyber cash, can be used to purchase goods and services, but may be restricted to certain online communities such as games or social networks. The data required for the study were collected using secondary data collection methods. This paper explores the importance of digital currency in India and the modern w

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Sanni, Mistura Laide, Bodunde Odunola Akinyemi, Dauda Akinwuyi Olalere, Emmanuel Ajayi Olajubu, and Ganiyu Adesola Aderounmu. "A Predictive Cyber Threat Model for Mobile Money Services." Annals of Emerging Technologies in Computing 7, no. 1 (2023): 40–60. http://dx.doi.org/10.33166/aetic.2023.01.004.

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Mobile Money Services (MMS), enabled by the wide adoption of mobile phones, offered an opportunity for financial inclusion for the unbanked in developing nations. Meanwhile, the risks of cybercrime are increasing, becoming more widespread, and worsening. This is being aggravated by the inadequate security practises of both service providers and the potential customers' underlying criminal intent to undermine the system for financial gain. Predicting potential mobile money cyber threats will afford the opportunity to implement countermeasures before cybercriminals explore this opportunity to im

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Sasikumar, Dr G. "Mobile Banking and Security Challenges." International Journal of Scientific Research and Management (IJSRM) 5, no. 7 (2017): 6014–18. http://dx.doi.org/10.18535/ijsrm/v5i7.26.

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Banking services have expanded from cash in the bank to internet banking and now mobile banking which attained broad recognition internationally. With help of mobile banking facilitates the customers access their accounts and entire information about bank products and services anywhere anytime through Internet and World Wide Web. The mobile banking is trustworthy, secured and cost effective, nevertheless complex and vulnerable to network problem. Security issues are significant since intruders makes others life as unsafe and miserable. One could be sufferer of a cyber crime in several ways. In

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Dr., Naveen Agrawal, and Arya Prachi. "Growth of Indian Banking Sector: Emerging Trends." 'Journal of Research & Development' 15, no. 14 (2023): 69–71. https://doi.org/10.5281/zenodo.8241303.

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<strong>‘</strong>Changes are law of nature.’ Banking sector is fundamental part of economy. Every change brings some opportunities and challenges. To cash opportunities and to make challenge in opportunities build banking sector much stronger we need to find out recent changes.  The objective of the study to find out theoretical aspect of recent changes in Indian banking sector through analysis of newspaper articles, research papers, reports etc. High credit growth, increasing digital transactions, use of modern AI technologies, decreasing Non- performing assets comes as oppo

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Ribas Coutinho, Felipe, Victor Pires, Claudio Miceli, and Daniel S. Menasche. "Crypto-Hotwire." ACM SIGMETRICS Performance Evaluation Review 48, no. 4 (2021): 4–7. http://dx.doi.org/10.1145/3466826.3466830.

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Blockchains and cryptocurrencies disrupted the conversion of energy into a medium of exchange. Numerous applications for blockchains and cryptocurrencies are now envisioned for purposes ranging from inventory control to banking applications. Naturally, in order to mine in an economically viable way, regions where energy is plentiful and cheap, e.g., close to hydroelectric plants, are sought. The possibility of converting energy into cash, however, also opens up opportunities for a new kind of cyber attack aimed at illegally mining cryptocurrencies by stealing energy. In this work, we indicate,

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Yadav, Richa Ashok. "The Role of Mobile Wallets in developing Countries." International Journal of Advance and Applied Research S6, no. 16 (2025): 162–66. https://doi.org/10.5281/zenodo.15130743.

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<em>Mobile wallets (m-wallets) have emerged as a transformative financial tool in developing countries, driving financial inclusion and economic empowerment. By leveraging mobile technology, m-wallets provide secure, convenient, and cost-effective digital payment solutions, particularly benefiting unbanked and under banked populations. They facilitate seamless transactions, enable access to financial services, and support small businesses, contributing to economic growth. Additionally, m-wallets enhance financial security by reducing cash dependency and associated risks. However, challenges su

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

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

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Maniyar, Vidit. "The role of instant payments and central bank digital currencies in transforming merchant cash management." Journal of Payments Strategy & Systems 19, no. 1 (2025): 54. https://doi.org/10.69554/qtlm5178.

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The emergence of instant payments and central bank digital currencies (CBDCs) is poised to significantly reshape treasury management practices among merchants. These new digital payment models promise near real-time settlement, reduce counterparty risk, and could lower transaction costs, all of which have implications for merchants’ liquidity and working capital strategies. Nevertheless, their adoption also entails new complexities around technology integration, regulatory compliance, and the interplay between multiple payment rails (card, e-money, instant payments and CBDCs). This paper explo

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Nebancea, Nicolae. "Modern protocols used in online card payments." Scientif Bulletin of Naval Academy XXVII, no. 2 (2024): 53–62. https://doi.org/10.21279/1454-864x-24-i2-005.

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Recently, we have seen a dramatic increase in online payments for goods and services using bank cards or digital wallets, which is a clear indication that the near future is reserved for these types of payments. In the Eurozone alone, the total value of non-cash payments in mid2022 amounted to 65.9 billion euros, of which 35.8 billion were card payments. However, the benefits of online payments do not come without risks and dangers, with the huge volumes of transactions acting as a magnet for cyber fraud. This study examines the benefits and limitations of the main protocols currently used for

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Olayinka Abiola-Adams, Chima Azubuike, Aumbur Kwaghter Sule, and Richard Okon. "Treasury innovation: The role of technology in enhancing strategic treasury operations and financial performance." Gulf Journal of Advance Business Research 3, no. 1 (2025): 157–71. https://doi.org/10.51594/gjabr.v3i1.72.

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The evolving landscape of global finance has heightened the need for innovation in treasury management, particularly as organizations seek to optimize cash flows, enhance liquidity, and manage financial risks. This review examines the transformative role of technology in enhancing strategic treasury operations and improving overall financial performance. By leveraging advancements such as Treasury Management Systems (TMS), artificial intelligence (AI), robotic process automation (RPA), and blockchain, organizations can achieve real-time visibility, streamline processes, and optimize decision-m

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Evans-Ibe, Savictor Sobechi. "Bombing, Billing, and Cash-Out: the dynamics of the illicit flow of money through international cyber fraud by Nigerian "Yahoo Boys"." Journal of Academics Stand Against Poverty 3, no. 1 (2023): 37–56. https://doi.org/10.5281/zenodo.8171965.

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Cyber fraudsters, popularly called Yahoo Boys in Nigeria, employ different strategies and formats across various levels of sophistication to get in touch with potential victims and gain the trust of these unsuspecting victims (Bombing). Then the Yahoo Boys go ahead to devise means of requesting payments from their victims (billing) and secure a successful receipt of such fraudulent payments (cash out). This situation has affected the country, its citizens, as well as the victims adversely; hence, the need for innovative ideas to curtail the ugly trend. This essay sets out to proffer viable sol

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Shabatuk, Ju. "Prospects for the Development of Cryptocurrency Regulation in Singapore." Review of Business and Economics Studies 7, no. 2 (2019): 48–52. http://dx.doi.org/10.26794/2308-944x-2019-7-2-48-52.

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In this article are discussed the main prospects of development of cryptocurrency in Singapore, as it is widespread and used all over the world. The article covers the main points for the regulation of the cryptocurrency. There is a wide range of cryptocurrency trading platforms, and most of them are located in different countries, which leads to significant differences in terms of regulation by the authorities and, accordingly, different rules for users and companies. Several exchanges allow trading derivatives. A more detailed review would give a correct impression of the current situation i

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Kushwaha, Pradeep. "Sustainable Finance through Cashless Transactions: Opportunities and Challenges in the Global Economy." International Journal for Research in Applied Science and Engineering Technology 13, no. 2 (2025): 883–86. https://doi.org/10.22214/ijraset.2025.66960.

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Improving sustainable finance using digital transaction systems is made possible by the trend towards a cashless economy around the world. This study explores how cashless shopping can promote inclusion and economic sustainability globally. The study examines a number of digital payment technologies, including contactless cards, block chain and mobile wallets, and shows how they can reduce the environmental impact of traditional cash-based systems. It looks at the benefits of greater financial inclusion, particularly in deprived areas, and how these developments can promote sustainable develop

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Turner, Adam B., Stephen McCombie, and Allon J. Uhlmann. "A target-centric intelligence approach to WannaCry 2.0." Journal of Money Laundering Control 22, no. 4 (2019): 646–65. http://dx.doi.org/10.1108/jmlc-01-2019-0005.

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Purpose This paper aims to demonstrate the utility of a target-centric approach to intelligence collection and analysis in the prevention and investigation of ransomware attacks that involve cryptocurrencies. The paper uses the May 2017 WannaCry ransomware usage of the Bitcoin ecosystem as a case study. The approach proves particularly beneficial in facilitating information sharing and an integrated analysis across intelligence domains. Design/methodology/approach This study conducted data collection and analysis of the component Bitcoin elements of the WannaCry ransomware attack. A note of bo

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MURAVSKYI, Volodymyr, Mykhailo BRYK, Vasyl MURAVSKYI, and Oleh REVEHA. "DOCUMENT FLOW IN ELECTRONIC MONEY TRANSACTIONS IN THE CONTEXT OF ACCOUNTING INFORMATION SUPPORT FOR FINANCIAL SECURITY." WORLD OF FINANCE, no. 1(74) (2023): 117–32. http://dx.doi.org/10.35774/sf2023.01.117.

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Introduction. The formation basis of the digital economy is the transition of business entities to electronic transactions. It is necessary to revise the order of document circulation at the enterprise, since electronic transactions involve the operation of electronic means of payment and cryptocurrencies, information about which is transferred between participants of settlement operations. First of all, the method of forming and processing primary documents in cash flow accounting will undergo changes. Accounting forms information arrays for cash management, which is an element of ensuring th

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Eko, Ewa, Uket, Adesola, Wasiu Adebisi, and Essien, Etim Ndu. "Critical Review of Cashless Policy Implementation in Nigeria." International Journal of Scientific and Management Research 08, no. 03 (2025): 61–76. https://doi.org/10.37502/ijsmr.2025.8305.

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The cashless policy initiative was to accomplish two main macro-socio-economic policy objectives of increased convenience and greater financial inclusion in Nigeria. The study which carried out a critical review of the Cashless policy implementation in Nigeria arose as a result of the state of the economy, cash payment transactions, level of corruption and illegality in the Nigerian State. The conceptual review of the various studies on electronic banking covering ATM, mPoS, PoS, web-based banking was carried out alongside the primary objective of the CBN Cashless policy when it was inaugurate

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Dr., Samadhan P. Borse. "Digital Banking and RBI's Digital Rupee (CBDC): A Pathway to Financial Inclusion." International Journal of Advance and Applied Research S6, no. 19 (2025): 472–76. https://doi.org/10.5281/zenodo.15109424.

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<strong><em>            </em></strong><em>Digital banking has transformed financial transactions by enabling paperless, instant and 24/7 secure banking services. In India, the RBI has played a crucial role in promoting digital transactions through initiatives such as UPI, IMPS, NEFT and RTGS facilities. A significant development in this sector is the introduction of the digital rupee, known as Central Bank Digital Currency (CBDC), launched by the RBI in 2022. The digital rupee aims to enhance financial inclusion by providing banking access

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Sulistyowati, Sulistyowati, Choiril Anam, and Ahmad Yasin. "CRIMINAL SANCTIONS FOR BETTERING CUSTOMER FUNDS THROUGH AUTOMATED CASH TELLERS FROM AN ISLAMIC LEGAL PERSPECTIVE." An-Nisbah: Jurnal Ekonomi Syariah 10, no. 2 (2024): 149–61. http://dx.doi.org/10.21274/an.v10i2.7284.

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Abstrak: Teknologi informasi kini telah berkembang dengan pesat, termasuk pada akses Internet. Penggunaan teknologi berbasis Internet juga telah berkembang dengan baik sebagai kebutuhan dasar manusia. Perkembangan teknologi informasi tentu juga memunculkan berbagai problematika sebagai dampak teknologi modern. Salah atau permasalahan yang marak terjadi di Indonesia yaitu pembobolan Anjungan Tunai Mandiri (ATM). Penulis ingin menggali lebih dalam pandangan Islam tentang pembobolan Anjungan Tunai Mandiri (ATM). yang telah dilindungi oleh peraturan perundangan-undangan bagi pelaku. Penelitian ini

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Kamble, Prof Tulshiram, Dr Pushpendu Rakshit, and Dr Bajrang Lal. "Assessing Cybersecurity Awareness And Issues Among Citizens Of Navi Mumbai And Panvel Zone." International Journal of Environmental Sciences 11, no. 9s (2025): 544–51. https://doi.org/10.64252/h4wamj83.

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The government’s demonetization initiative, along with its vision to transform India into a cashless economy, has brought a significant shift in payment behaviour, accelerating the adoption of digital payment systems. This shift was further catalysed by the COVID-19 pandemic, which drastically reduced physical transactions and increased reliance on digital modes such as E-wallets. Although traditionally Indian consumers preferred cash-on-delivery methods, the pandemic has prompted a rapid rise in mobile wallet usage due to convenience and safety. The diffusion of mobile payment systems is high

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Musa, Ibrahim, Sule Magaji, and Abul-Azeez Hassan. "Analysis of Infrastructural Challenges, Cybercrime, and the Cashless Policy in Nigeria." ARIS2 - Advanced Research on Information Systems Security 2, no. 1 (2022): 13–27. http://dx.doi.org/10.56394/aris2.v2i1.15.

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Abstract This study makes an analysis of infrastructural challenges and the cashless policy in Kaduna state, Nigeria. A survey was conducted to collect the primary data through a structured questionnaire and interviews with bank customers, bank officials, and security personnel to obtain information on infrastructural challenges since the introduction of the Cashless policy by the Central Bank of Nigeria in 2012. Frequency distribution and simple percentage methods are used to analyze the data. Findings show that infrastructural challenges include network failure and infrastructural defi

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Soundararajan, Balaji. "Implementing Payment System Security: A Technical Deep Dive." International Journal of Multidisciplinary Research and Growth Evaluation. 3, no. 5 (2022): 615–21. https://doi.org/10.54660/.ijmrge.2022.3.5.615-621.

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The rapid transition from cash-based to digital payment systems underscores the critical need for robust security frameworks to safeguard sensitive financial data and maintain public trust. This paper explores the foundational principles of payment system security that includes data integrity, confidentiality, and availability and examines key technologies and methodologies designed to mitigate risks, including encryption, tokenization, and authentication mechanisms. Symmetric and asymmetric encryption techniques are analyzed for their roles in securing transactional data, while tokenization i

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Panglipursari, Dwi Lesno, Mochamad Syaiful Arif Syaiful Arif, and Pujianto Pujianto. "DIGITAL PAYMENT MAXIMIZATION STRATEGY AS REGIONAL ECONOMIC RESILIENCE IN SURABAYA CITY MASS BUSS TRANSPORTATION." Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) 7, no. 3 (2023): 797–812. http://dx.doi.org/10.31955/mea.v7i3.3237.

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The implementation of digital payment policies can be consistently applied and improve the security of digital transactions so as to avoid cyber-crime in the context of digital payments. The urgency of this study is that researchers observe that digital payment transactions on mass bus transportation in Surabaya City eliminate currency exchange. The problem-solving approach of this research uses a regional economic resilience perspective as the main paradigm in observing the phenomenon of digital payments in mass bus transportation in the city of Surabaya. The formulation of this research prob

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Shevchuk, Oleg. "INTEGRATED REFLECTION OF ELECTRONIC TRANSACTIONS IN THE ACCOUNTING REPORT." Institute of accounting, control and analysis in the globalization circumstances, no. 1-2 (June 30, 2024): 19–31. http://dx.doi.org/10.35774/ibo2024.01-02.019.

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Introduction. Reporting for various groups of stakeholders finalizes the accounting process. The functioning of the system of electronic transactions necessitates the development of the concept of electronic reporting. The key feature of electronic reporting is the integrated informing of internal and external stakeholders regarding electronic transactions of the enterprise. Electronic reports are capable of instant detailing of indicators and transformation of the structure, which requires the systematization of variable formats of reporting on electronic transactions. Methods. The purpose of

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Prasetyo, Yustinus Wahyu Agung, Mohammad Achmad Amin Soetomo, and Mulya R. Mashudi. "ANALYSIS OF BANK PERFORMANCE WITH INFORMATION TECHNOLOGY PERSPECTIVE." Jurnal Riset Ekonomi Manajemen (REKOMEN) 5, no. 1 (2021): 64–72. http://dx.doi.org/10.31002/rn.v5i1.4381.

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XYZ Bank provides several digital banking services for various segments, including the D-Bank mobile banking application, XYZ Online Banking, D-Card Mobile for credit card management, D-Financial for SMEs, D-BisMart. for the supply chain, as well as XYZ Trade Connect and Cash Connect for various customer businesses. It is known that 1) IT risk on the D-Bank application is still high. This can be seen from the number of risk events for IT system failure in its application. 2) The handling of IT problems is still not optimal, this can be seen from customer complaints that often reappear in the D

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He, Chris Zhijian, Tracie Frost, and Robert E. Pinsker. "The Impact of Reported Cybersecurity Breaches on Firm Innovation." Journal of Information Systems 34, no. 2 (2019): 187–209. http://dx.doi.org/10.2308/isys-18-053.

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ABSTRACT Many firms cite cyber risk as a primary risk factor due to the increase in cybersecurity breach (CSB) incidents. Existing research focuses on the negative, short-term impacts from CSBs, but the longer-term impact is still unknown. Our study investigates firms' levels of innovation following a CSB as an important determinant of firm growth and profitability. Examining reported breaches from 2005–2014, we find a 10 percent decline in research and development spending in the year following a CSB. Further investigation indicates that firms for which R&D is not the primary business mod

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Mamčenko, Jelena, Brigita Šustickiene, and Jūratė Romeikienė. "CONTACTLESS PAYMENTS FRAUD DETECTION METHODS AND IS SOCIETY PREPARED TO RESIST: A CASE STUDY." SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference 2 (July 3, 2023): 467–77. http://dx.doi.org/10.17770/sie2023vol2.7159.

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The ability to use contactless payment technologies, non-cash payments and credit card payments is becoming almost an essential requirement for consumers and merchants in today's economic conditions. Different market sectors are rapidly adapting to these technologies and looking for the most convenient, secure, and fastest possible solutions that combine intelligent data processing, security, and business management functions. Millions of debit and credit card holders care about secure payments, the businesses that receive these payments are secure in terms of security, and the operators that

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Kannan, R. Rajesh, and S. Vasantha. "COVID 19 Outbreaks on the Growth of Self Servicing Technology Using Digital Payments." Webology 18, no. 2 (2021): 22–40. http://dx.doi.org/10.14704/web/v18i2/web18305.

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In comparison to any other International crisis, Covid19 was sudden and did not leave much time for individuals or Governments to prepare in terms of the impact it had on healthcare infrastructure or trade-in various sectors. The modern world is highly connected and stopping the inter-country movement of people is very difficult. Given the rapid increase of cases, Covid19 was declared as a pandemic and for lack of any other viable option, most Governments chose the way of locking down the economy. There was little information on how Covid19 spreads mortality rate or recovery rate, etc. Impetus

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Chen, Si. "Cryptocurrency Financial Risk Analysis Based on Deep Machine Learning." Complexity 2022 (January 27, 2022): 1–8. http://dx.doi.org/10.1155/2022/2611063.

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Digital currency is considered a form of currency which is used in the digital world such as digital forms or electronic devices. Several terms are synonyms for digital currency like digital money, electronic money, and cyber cash. Accurate prediction of the digital currency is an urgent necessity due to its impacts on the economic community. The electronic economy is very dangerous and must be approached with great caution, so as to avoid or minimize the risks that occur in such cases. Deep neural network (DNN) algorithm was improved to predict the Bitcoin price and then achieve the main goal

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Nopiah, Ririn, Retno Agustina Ekaputri, Barika Barika, and Ratu Eva Febriani. "IMPACT OF E-COMMERCE ON INDONESIA ECONOMIC GROWTH: INTERMEDIATION MODELS WITH FINANCIAL TECHNOLOGY CONSTRAINT." Jurnal REP (Riset Ekonomi Pembangunan) 9, no. 1 (2024): 1–23. http://dx.doi.org/10.31002/rep.v9i1.1216.

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The COVID-19 pandemic triggered economic shocks that adversely affected the global economy. Economic growth contracted significantly. Restrictions on economic activity trigger people's shopping behavior to switch to non-cash and online systems. E-commerce, as one part of digital economic transformation, has experienced a significant increase which impacts the flow of dissemination of ideas, innovations, and information, thus encouraging economic growth. This study analyzes the Impact of e-commerce on economic growth in Indonesia during the COVID-19 pandemic using intermediation models and fixe

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Butarbutar, Novita, Darwin Lie, Christina Bagenda, Eka Hendrayani, and Acai Sudirman. "Analysis of the Effect of Performance Expectancy, Effort Expectancy, and Lifestyle Compatibility on Behavioral Intention QRIS in Indonesia." International Journal of Scientific Research and Management 10, no. 11 (2022): 4203–11. http://dx.doi.org/10.18535/ijsrm/v10i11.em07.

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The important objective of this study is to analyze the effect of performance expectancy, effort expectancy, and lifestyle compatibility on behavioral intention toward QRIS in Indonesia. The data collected in this study are quantitative data using a quantitative approach. The population in this study is MSME actors in Indonesia, and the sample obtained using the convenience sampling method was as many as 140. Data analysis used instrument tests, normality tests, regression tests, hypothesis tests, correlation tests, and the coefficient of determination. The results showed that performance expe

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Zhytar, Maksym. "FINTECH MARKET IN UKRAINE: FEATURES, WAYS AND PROSPECTS OF DEVELOPMENT." Європейський науковий журнал Економічних та Фінансових інновацій 1, no. 13 (2024): 4–12. https://doi.org/10.32750/2024-0101.

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The article presents a study of the peculiar properties, ways and prospects of the development of the Fintech market in Ukraine. The main factors that have distinguished the financial sector of Ukraine over the past five years are highlighted, including the expansion of digitization processes on the international level; the consequences of the global economic crisis that began in 2008; increased competition in financial markets; striving for innovation and high requirements for ease of use, quality and speed of receiving information; quarantine restrictions related to the spread of COVID-19. T

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Kochergin, D. A. "GLOBAL EXPERIENCE IN IMPLEMENTING CENTRAL BANKS DIGITAL CURRENCIES FOR RETAIL PAYMENTS IN EMERGING MARKETS AND DEVELOPING COUNTRIES." Вестник Института экономики Российской академии наук, no. 5 (2024): 130–71. https://doi.org/10.52180/2073-6487_2024_5_130_171.

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The article is devoted to the definition of current trends in the development of retail payments, the study of the motives for the introduction of digital currencies, the architecture and design features of retail CBDC systems in emerging markets and developing countries (EMDCs), as well as possible risks. Proposals have been formulated to improve the digital ruble project. As a result of the study, conclusions are drawn about the global trend of more and more expanding use of non-cash payment instruments and the growing competition between private payment service providers and the government.

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Nehila, Farveen P., and K. V. Sameeksha. ""E- Rupee: Tap and Transact" A Study With Reference To Bankers' Preparedness in Mangalore." International Journal of Advance and Applied Research 4, no. 29 (2023): 90–97. https://doi.org/10.5281/zenodo.8365331.

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Abstract The demonetization of currency in the year 2016 by Modi government revolutionized the movement towards usage of digital payment methods in India though it was strenuous decision for country like India where 90% of transactions are in cash. People adopted digital mode of payment in a short span of time. It was facilitated by phenomenal increase in ownership of smart phones, user friendly UPI’s. It has also increased the popularity of crypto currencies like bit coin, Ethereum and ripple which have no regulatory body. As a result, the central bank has come up with the introduction

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

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

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