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Journal articles on the topic 'Digital money'

Author: Grafiati

Published: 4 June 2021

Last updated: 30 May 2022

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1

Dey, Prasanta Kumar. "Cryptocurrency – Few Words on Digital Money." International Journal of Trend in Scientific Research and Development Volume-2, Issue-4 (June 30, 2018): 1832–39. http://dx.doi.org/10.31142/ijtsrd14460.

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2

Dodgson, Mark, David Gann, Irving Wladawsky-Berger, Naveed Sultan, and Gerard George. "Managing Digital Money." Academy of Management Journal 58, no. 2 (April 2015): 325–33. http://dx.doi.org/10.5465/amj.2015.4002.

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3

Anvarovna, Erdanova Sevara, and Qudratova Feruza Nasriddinovna. "Digital money management." Asian Journal of Multidimensional Research 11, no. 4 (2022): 78–80. http://dx.doi.org/10.5958/2278-4853.2022.00063.5.

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4

CHIDA, Eikoh, Masahiro MAMBO, and Hiroki SHIZUYA. "Digital Money–A Survey." Interdisciplinary Information Sciences 7, no. 2 (2001): 135–65. http://dx.doi.org/10.4036/iis.2001.135.

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5

Rutkin, Aviva. "Follow the digital money." New Scientist 224, no. 2997 (November 2014): 22–23. http://dx.doi.org/10.1016/s0262-4079(14)62282-x.

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6

Prideaux, Jon. "Visa and digital money." European Business Review 99, no. 4 (August 1999): 257–60. http://dx.doi.org/10.1108/09555349910281441.

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7

Алленых, Марина Анатольевна. "DIGITAL CURRENCY - PRIVATE MONEY?" Вестник Тверского государственного университета. Серия: Экономика и управление, no. 1(53) (March 30, 2021): 21–30. http://dx.doi.org/10.26456/2219-1453/2021.1.021-030.

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Цель работы - рассмотреть, является ли цифровая валюта частными деньгами в контексте австрийской школы, и показать современное направление развития цифровых платформ. Автором рассмотрены основные положения теории частных денег Хайека и проведен историко-сравнительный анализ цифровых валют. Сделан вывод о том, что криптовалюта еще не является частными деньгами по определению австрийской школы. Автором проанализировано, как современные платежные платформы, которые по сути являются «экосистемами», используют цифровые платежные инструменты. Рассмотрены особенности цифровых валют, выпускаемых на основе платформ. Показано, что в «экосистемах» токены также не являются частными деньгами в соответствии с положениями австрийской школы. The purpose of this work is to analyze whether digital currency is private money in the context of the Austrian school and to show the modern direction of development of digital models. The author considers the main provisions of the private money theory and carries out a historical and comparative analysis of digital currencies in this context. It is concluded that cryptocurrency is not yet private money as defined by the Austrian school. The author analyzes how modern payment platforms, which are essentially «ecosystems», use digital payment instruments The features of digital currencies issued on the platform basis are considered. It is shown that in «ecosystems» tokens are also not private money in accordance with the provisions of the Austrian school.

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Perry, Mark. "Designing interactions with digital money." Interactions 24, no. 6 (October 25, 2017): 34–37. http://dx.doi.org/10.1145/3143424.

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9

Jones, Tim. "The future of digital money." European Business Review 99, no. 4 (August 1999): 261–64. http://dx.doi.org/10.1108/09555349910281450.

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10

Hrytsai, S. O. "DIGITAL MONEY IN UKRAINE – CBDC?" Juridical scientific and electronic journal, no. 4 (2022): 247–49. http://dx.doi.org/10.32782/2524-0374/2022-4/57.

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11

Bortnikov, S. P. "DIGITAL MONEY AND DIGITAL ACCOUNTS IN CENTRAL BANKS." Vestnik of Samara State University of Economics 3, no. 185 (2020): 100–115. http://dx.doi.org/10.46554/1993-0453-2020-3-185-100-115.

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12

Kumar, Sunil. "Digital Money: An Empirical Investigation of Components of Reserve Money." Asian Journal of Research in Banking and Finance 7, no. 5 (2017): 195. http://dx.doi.org/10.5958/2249-7323.2017.00040.2.

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13

Koziuk, Viktor. "Confidence in digital money: Are central banks more trusted than age is matter?" Investment Management and Financial Innovations 18, no. 1 (January 12, 2021): 12–32. http://dx.doi.org/10.21511/imfi.18(1).2021.02.

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The virtual nature of digital money is fueling the conflict between usability, functionality and trust in the digital form. Institutional trust drivers should move forward in understanding the nature of confidence in digital money. Do central banks digital money (CBDC – central bank digital currency) and private cryptocurrencies demonstrate the same or different trust patterns? The paper used the general regression method to discover the relationship between trust in different forms of digital money and selected variables that may generate this trust. Simple empirical tests were sufficient to find the fundamental importance of age as a confidence driver relevant to CBDC and cryptocurrencies. It is found that traditional factors associated with the inflation history and quality of monetary order (central banks independence and rule of law) do not play a role in the case of CBDC, but are important in the case of cryptocurrencies. Structural features (like FinTech development or social trust) that should support trust in digital money are not found to be important. Societies with larger fraction of younger generations demonstrate higher confidence in centralized and decentralized forms of digital money. This challenges the traditional approach to money and calls into question the future role of monetary stability institutions in the digital age. Digitalization is perceived as an improvement in welfare only when fiat money institutions become fragile. The efficiency and credibility of central banks are not a bonus to confidence in CBDC. This is a challenge for the institutional design of the future digital-based monetary order.

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14

Berentsen, Aleksander. "Monetary Policy Implications of Digital Money." Kyklos 51, no. 1 (February 1998): 89–117. http://dx.doi.org/10.1111/1467-6435.00039.

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15

Berghel, Hal. "The Future of Digital Money Laundering." Computer 47, no. 8 (August 2014): 70–75. http://dx.doi.org/10.1109/mc.2014.225.

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16

Breternitz, Vivaldo, Martinho Isnard Ribeiro de Almeida, Antonio Cezar Galhardi, and Emerson Antonio Maccari. "Digital money – an implementation of micropayments." Revista Ibero-Americana de Estratégia 7, no. 2 (May 26, 2009): 139–46. http://dx.doi.org/10.5585/ijsm.v7i2.968.

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This paper intends to describe the process of money development, the advantages of using it digitally and the difficulties this process is facing. It is focused on the concept of e-purses or e-wallets, describing one of the most successful forms of digital money, the Octopus (Hong Kong based). Its main goal is to help those who wish to study this subject under a corporative strategy point of view. It presents the reasons that led to the development of the Octopus, the steps followed by the companies that manage it, the current situation and the future development perspectives. The paper presents some considerations on the opportunity of adopting other systems that are similar to the Octopus in highly populated areas, as well as the conditions required to its success.

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17

Kahn, Charles, Jihad Alwazir, and Manmohan Singh. "Digital Money and Central Bank Operations." IMF Working Papers 2022, no. 085 (May 2022): 1. http://dx.doi.org/10.5089/9798400206955.001.

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18

Abramova, Marina A. "Money vs Digital Currency in the Context of Contemporary Money Theory." Finances, Money, Investments, no. 3 (2020): 9–13. http://dx.doi.org/10.36992/2222-0917_2020_3_9.

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19

Astuti, Intan Dwi, Suryazi Rajab, and Desky Setiyouji. "Cryptocurrency Blockchain Technology in the Digital Revolution Era." Aptisi Transactions on Technopreneurship (ATT) 4, no. 1 (January 5, 2022): 9–16. http://dx.doi.org/10.34306/att.v4i1.216.

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Cryptocurrency is a blockchain-based technology that is often used as a digital currency. Digital money is different from conventional money, this type of money does not have a physical form but only a block of data bound by a hash as validation. The data is spread to every cryptocurrency user who is in the environment. So that when a user makes a transaction, data mining will be carried out. Cryptocurrencies have several advantages but also have disadvantages when used as currency, from a legal point of view there is still no law governing the circulation of currency in digital form (cryptocurrency). The government must recognize digital currency so that it can be accepted by the general public as a means of payment. For now, the government has not recognized digital money (cryptocurrency) as a currency, because Cryptocurrency is a new phenomenon by some people in Indonesia. The rapid development of technology in the 4.0 revolution era, in the next few years money in physical form will be replaced by digital money, seeing the many conveniences provided by using digital money.

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20

Rohmawati, T., and H. Zulkipli. "E-Transaction in Digital Era." Journal of Business and Behavioural Entrepreneurship 5, no. 2 (January 18, 2022): 51–56. http://dx.doi.org/10.21009/jobbe.005.2.07.

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The purpose of this study is to analyze the habits of students in the information technology in conducting transactions either in cash or by using e-money. Questionnaire was a method used in this study by distributing selected questionnaires only to students. Analysis of the results showed that the students preferred to use e-money for transactions because it was more effective and more efficient than paying in cash. It could be also because it was influenced by their shopping habits through social media and the globalization era. On the other hand, they needed cash and relatively bigger wallet for cash payments. Consequently, e- money was preferred by students compared to cash payments.

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21

McDonald, Tom. "“Social” Money and Working-class Subjectivities: Digital Money and Migrant Labour in Shenzhen, China." China Quarterly 242 (August 19, 2019): 397–417. http://dx.doi.org/10.1017/s0305741019001073.

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AbstractScholars of Chinese society have predominantly regarded the region's money to represent an unusually “social” artefact. The dramatic proliferation of “digital money” services within Chinese social media platforms in the last decade would seem to further confirm the social character of Chinese money. I present a comparison of the diverse views held by migrant factory workers in Shenzhen towards different digital payment platforms which, however, suggests that rather than digital money necessarily being more or less social, different platforms instead extend the possibilities of sociality in varying ways. I argue that acknowledging the production of such novel working-class subjectivities through digital money ought to be central to efforts to assess the potential of these technologies for addressing the social, institutional and economic exclusions faced by Chinese migrant labourers. This in turn can enrich our understanding of the emergence of a new “digital working-class” in China by revealing how such contemporary working-class subjectivities are shifting, contextual and processual in nature.

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22

SHAROV, Oleksandr. "DESTUFFATION OF MONEY AND THE EMERGENCE OF DIGITAL CURRENCY." Economy of Ukraine 2022, no. 1 (January 26, 2022): 82–96. http://dx.doi.org/10.15407/economyukr.2022.01.082.

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Banking has always been characterized by the use of new communication technologies, so it is not surprising that electronic media have also been actively used by banks, which led to the first forms of electronic money, which emerged from the use of monetary instruments such as bank credit card terminals and systems computer communication of banks with customers. However, from the point of view of the theory of money, electronic money is the same credit, or fiat, money, but not in paper form, but in the form of a record on electronic media. However, after the 1980s, the process of disappearance of the material form of money, or destuffation, became even more intense and, after several stages, it has led to the emergence of the digital currency, which is an adequate form of money in the new digital economy. Modern cryptocurrencies are based on blockchain technology are essentially an electronic combination of a “warehouse receipt” and a “bill of exchange” and serve as a possible basis for new global money. The last stages of this process deserve special attention, namely the development of cryptocurrencies and digital currency of central banks, which reflect the competition between state issuing institutions and new players in the global financial system. As a result of the analysis we can conclude that the process of destuffation of money is nearing its logical conclusion: dereification of money itself as an economic category, because “artificial intelligence” can turn money into a completely intangible, i.e. ideal, form, which will coincide with their form and essence.

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23

Koziuk, Viktor. "Digital currencies: a problem of trust." Ekonomìčna teorìâ 2021, no. 2 (June 16, 2021): 93–117. http://dx.doi.org/10.15407/etet2021.02.093.

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The rising cryptocurrencies have revived discussion about the prospects of monetary order and the central bank’s role in it. Functionality is in the core of the competition between the forms of money and the payment landscape could be fractionalized affecting further decline in the efficiency of monetary policy. Central bank digital currency (CBDC) is looked by monetary authorities as a way to respond to technological challenge and fulfill the gap of the market failure related to some imperfections of privately issued digital money. The success of each money form is dependent on the trust as a collective experience. The paper raises the question if the central banks are more credible than private digital money when probable change in the age structure matters for the spread of fintech. Based on empirical analysis, it is found that economic agents differentiate digital money of central banks from those of private issuers. Private cryptocurrencies are considered more reliable when inflationary experience is stronger, while central banks’ independence level and financial stability are not factors of higher trust to CBDC. Also, a country’s institutional features do not indicate that successful central banks can use the “the umbrella” of trust to their own cryptocurrencies while the factors of technological advance fail to show a clear significance. Social capital better contributes to the trust to private digital money. At the same time, the age structure is the strong factor due to which digital currencies are more reliable in younger societies. It is concluded that in the case then trust in cryptocurrencies is not grounded on institutional factors that historically contributed to stability of the monetary order, preconditions for the latter’s higher vulnerability are likely to rise. With the growing role of age structure as a factor of higher trust to digital money, the quality of social interactions will become a very important institutional precondition for the stability of monetary order.

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24

Turbanov, A. V. "The Concept of Money in the Era of Digitalization." Actual Problems of Russian Law 16, no. 6 (July 9, 2021): 58–76. http://dx.doi.org/10.17803/1994-1471.2021.127.6.058-076.

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The paper examines issues related to the origin of money and the transformation of its forms, the economic and legal nature of money, provides characteristics of "cryptocurrency" and digital currencies of central banks, including the digital ruble. The author makes an attempt to define money based on its obligatory nature. As the author emphasizes, remaining in captivity of traditional approaches (money is a thing, there is full-fledged money and inferior ones, cash is money, but along with this there is “money” that is not money), we will not get an adequate reflection of the phenomenon “money” in national legislation, and we will not achieve effective regulation of money circulation in the country. It seems that the definition of money should be based on its obligatory nature. Money is a universal right of claim, expressing the value of any goods, works, services, recognized in thesociety, supported and provided by the state (central bank). The paper also emphasizes that the digital ruble will require a serious reform of both private law and public law legislation to properly reflect the existing and actually emerging system of monetary circulation. Changes in legislation cannot be limited to legal and technical amendments with the use of the term "digital ruble" and the establishment of some features of its circulation.

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25

Roy, Juliansyah, Eny Rochaida, Rachmad Budi Suharto, and Rizkiawan Rizkiawan. "Digital and electronic transactions against velocity of money." Corporate Governance and Organizational Behavior Review 5, no. 2, special issue (2021): 145–55. http://dx.doi.org/10.22495/cgobrv5i2sip3.

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The payment system accumulates through an interbank fund transfer system, banking procedures, and a set of instruments that guarantee the circulation of money (Hancock & Humphrey, 1997). The theory of money expressed by Fisher is very striking and different from Marx’s. Marx only emphasizes monetary developments as contemporary capitalism. However, Fisher on the form of money and the function of money in a certain amount (as cited in Ivanova, 2020). The flow of electronic and digital transactions has continued to innovate over the past decade. An important point of this research is to identify electronic transactions and digital transactions against the velocity of money (VoM) in Indonesia. Fisher’s theory of money is applied to this study. Through a quantitative approach, time-series data for 2009–2019 was collected from the Bank of Indonesia and BPS-Indonesia. Multiple linear regression analysis is useful in interpreting the data. As a result, we find electronic transactions measured by credit cards appear to have a negative effect on VoM, but the impact is significant. Meanwhile, debit cards actually have a positive and significant effect on the value of VoM. Interestingly, other empirical results explore the relationship of digital transactions represented by e-money with VoM, where the effect is negative and insignificant. This finding is also very relevant to banking efforts to harmonize and adopt advanced technology in the financial system

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Gilbert, Scott, and Hio Loi. "Digital Currency Risk." International Journal of Economics and Finance 10, no. 2 (January 10, 2018): 108. http://dx.doi.org/10.5539/ijef.v10n2p108.

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Digital currencies, such as Bitcoin, have emerged as an alternative form of money, untethered to traditional money and largely unregulated. As such, digital currency represents a wild frontier for investors who might otherwise be shopping for gold or foreign currencies, with serious risks. The present work considers digital currency from a traditional asset pricing perspective. Setting aside risks of seller fraud or currency theft, we examine fluctuation and systematic risk in the price of Bitcoin. From this perspective, Bitcoin does not appear to carry much systematic risk -- despite its high volatility -- and so is a reasonable candidate for inclusion in investors’ portfolios. Some illustrative examples suggest that the optimal amount of Bitcoin to include in investor portfolios may be tiny or instead substantial - as high as 21 percent of total financial assets.

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27

Okello Candiya Bongomin, George, Pierre Yourougou, and John C. Munene. "Digital financial innovations in the twenty-first century." Journal of Economic and Administrative Sciences 36, no. 3 (November 5, 2019): 185–203. http://dx.doi.org/10.1108/jeas-01-2019-0007.

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Purpose Premised on the assertion that financial digitalization is currently the panacea and game changer in delivering progress towards the sustainable development goals (SDGs) through universal financial inclusion, especially in developing countries, the purpose of this paper is to establish the moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. Design/methodology/approach A semi-structured questionnaire was used to collect data from 379 micro, small and medium enterprises (MSMEs), which use mobile money services drawn from the Northern District of Gulu in Uganda to provide responses for this study. The predictive relevancy and the effect size of the model were determined by running partial least square algorithm through structural equation model (SEM) with 5,000 bootstrap samples in SmartPLS-SEM 3.0. Findings The findings indicated that all the latent variables of transaction tax exemptions showed significant and positive impact on mobile money adoption and usage to advance financial inclusion in developing countries. Moreover, when combined together, the overall SEM predictive model revealed a significant moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. This implies that transaction tax exemptions on digital financial innovations such as the mobile money services can stimulate economic growth through increased level of financial inclusion labeled as the main enabler in achieving the SDGs by the year 2030. Research limitations/implications Whereas data were collected from users of mobile money services, the samples were drawn specifically from MSMEs’ owners located in the Northern District of Gulu in Uganda. Thus, users located in other districts were not included in the sample for this study. Similarly, this study limited itself to only financial services offered through the mobile money platform. It ignored other digital financial channels such as the internet and electronic banking. Practical implications Going forward, in order to improve the economic well-being of households at the “bottom of the pyramid,” governments in developing countries should embrace the significant role of transaction tax exemptions in promoting digital financial innovations such as the mobile money services for increased level of financial inclusion. The governments in developing countries where mobile money has greatly spurred financial inclusion should not only reduce the existing transaction taxes on mobile money services but scrap it off in order to champion progressive increase in the level of universal financial inclusion prescribed as a key enabler in eliminating global poverty, especially in developing countries. Originality/value This study hints on the moderating effect of transaction tax exemptions in the relationship between mobile money adoption and usage and financial inclusion. The paradox in the current trends on transaction taxes on mobile money services, especially in developing countries remain a dearth in the nascent global FINTECH ecosystem.

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Vaithilingam, Santha, Mahendhiran Nair, and Thangarajah Thiyagarajan. "Managing Money Laundering in a Digital Economy." Journal of Asia-Pacific Business 16, no. 1 (January 2, 2015): 44–65. http://dx.doi.org/10.1080/10599231.2015.997626.

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29

Pechegin, Denis. "Modern Digital Quasi-Money: Criminal-Law Meaning." Journal of Russian Law 7, no. 7 (May 27, 2020): 1. http://dx.doi.org/10.12737/jrl.2019.7.6.

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30

Lockett, Nick. "Legal perspectives on digital money in Europe." European Business Review 99, no. 4 (August 1999): 235–41. http://dx.doi.org/10.1108/09555349910281423.

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31

Coates, Vary. "Digital money A view from the USA." Interdisciplinary Science Reviews 23, no. 4 (December 1, 1998): 313–15. http://dx.doi.org/10.1179/030801898789764354.

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32

Coates, Vary. "Digital money A view from the USA." Interdisciplinary Science Reviews 23, no. 4 (December 1998): 313–15. http://dx.doi.org/10.1179/isr.1998.23.4.313.

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33

Biradar, Shivkumar L., and Hibare Rima Balkrushna. "Digital Money: An Analysis of Users’ Perception." Management Accountant Journal 54, no. 7 (July 31, 2019): 81. http://dx.doi.org/10.33516/maj.v54i7.81-84p.

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Gorodnova, N. V. "Economic and Legal Analysis of Digital Currency Issue." Vestnik NSUEM, no. 2 (June 19, 2021): 79–93. http://dx.doi.org/10.34020/2073-6495-2021-2-079-093.

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The process of digitalization of the economy is accelerated by the development of the legislative framework. The author of the article analyzes the short stories of regulatory legal acts regulating the emission and circulation of digital financial assets and digital money in the Russian Federation, identifies various types of digital money and determines their specificity, as well as analyzes the accumulated law enforcement practice of digital currency circulation.It is concluded that digital money has not only a commodity, but also a credit, legal and informational nature.

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Muralidhar, Srihari Hulikal. "Making Digital Money “Work” for Low-Income Users." International Journal of Mobile Human Computer Interaction 11, no. 4 (October 2019): 49–65. http://dx.doi.org/10.4018/ijmhci.2019100105.

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This paper adds to the research on digitization and money in HCI. By presenting a case of rickshaw drivers in India and their use of Ola, an app-based taxi service like Uber, and Ola Money, an embedded m-wallet, this paper makes a threefold contribution. First, it shows how cash and digital money are not simply different manifestations of the ‘same' money for users. They provide distinct affordances and have different meanings and values, yielding rich insights for design. Second, it seeks to highlight the hidden work done by users around making digital money ‘work' for them. In doing so, it calls for a broader understanding of ‘moneywork' that goes beyond a temporal analysis, through the concept of ‘mobility work'. Finally, it highlights the role of ‘friction' in design. Friction is crucial to users' negotiation of the trade-off between consumption and saving, and can be leveraged to provoke reflection and user-awareness.

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36

Terentyev, V. N., and K. G. Petrov. "DIGITAL RUBLE ISSUE." Vestnik of Samara State University of Economics 7, no. 201 (July 2021): 80–87. http://dx.doi.org/10.46554/1993-0453-2021-7-201-80-87.

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The state economies of our time are faced with the urgent task of developing innovative campaigns to address issues of digital financial asset management. This trend is caused by the development of technological systems for providing financial services and products on the world market. The proposed instrument for regulating digital banking is the integration into the domestic economy of a new form of money - the digital currency of the central bank (digital ruble). The purpose of the study is to form an idea about the issue of digital financial assets and, as a result, to develop an effective way to introduce digital financial assets "digital ruble" into the domestic financial infrastructure. The shortcomings of the existing domestic legislation regarding the regulation of exchange processes and regulation of the turnover of digital financial assets are revealed. The concepts of "issue of digital financial assets", "digital ruble" are disclosed. The processes of issuing the digital ruble, the planned turnover in the domestic financial system, the possibility of converting digital financial assets being introduced into cash and non-cash money are considered. The position of the digital ruble in the structure of the domestic money supply is determined. Potential problems in the economic system in the process of integrating the digital ruble into it are noted. The processes of pricing and fixing the value of digital financial assets are considered. The analysis of the issue of digital financial assets showed a technical flaw and a general limitation in the functionality of the digital ruble, which is supposed to be integrated.

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37

Egorova, M. A., and L. G. Efimova. "The Concept of Cryptocurrency in the Context of Improvement of the Russian Legislation." Lex Russica, no. 7 (July 31, 2019): 130–40. http://dx.doi.org/10.17803/1729-5920.2019.152.7.130-140.

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In the paper, the authors formulate a multidimensional concept of «cryptocurrency», which takes into account the technical, economic and legal nature of cryptocurrencies. In addition, the paper defines the relationship of the concepts of «cryptocurrency» with such commonly used terms as «digital currencies», «virtual currencies» and «electronic money». The authors understand cryptocurrencies as a kind of digital money, which is the result of the functioning of the corresponding computer program (digital code). Cryptocurrencies are created using the appropriate Protocol, operating in a decentralized manner, with the use of the blockchain technology. If the issue has a centralized issuer while maintaining other features inherent in these cryptocurrencies, then it is possible to talk not about cryptocurrencies, but about the issue of electronic money. The main difference between electronic money and cryptocurrencies is the presence of electronic money of the Central Issuer and the lack of it in cryptocurrencies. Another important difference between cryptocurrencies and electronic money is the way they are issued and stored. Cryptocurrencies are stored and issued in a decentralized manner, while the information about electronic money and transactions with them can be centralized on one server. There are also other differences, such as the mandatory use of asymmetric cryptographic encryption when creating cryptocurrencies, etc. Being digital money, cryptocurrencies at the same time are a kind of digital property that performs the functions of a means of payment in the society, does not have a physical form, that is, can not exist in the form of coins or banknotes. The authors support the addition of art.128 of the Civil Code of the Russian Federation with a new object of civil law (digital money) in the context of improving the draft law «On digital financial assets».

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Dairo, Adeolu, and Krisztián Szűcs. "Analytical approach to digital channel performance optimization of mobile money transactions in emerging markets." Innovative Marketing 16, no. 3 (July 16, 2020): 37–47. http://dx.doi.org/10.21511/im.16(3).2020.04.

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Understanding marketing channel performance is a crucial and complex task for the mobile financial technology segment of the mobile industry in emerging markets. However, poor techniques and capabilities for channel optimization of the mobile money users across available channels by the service providers often undermine the performance of these channels. The research aims to develop a target selection and campaign optimization framework for mobile money customers along two channels of transactions. It is complemented by mapping the appropriate campaign techniques across digital and non-digital channels of mobile money transactions. The key analytical method is the combination of fuzzy c-means clustering and RFM algorithm for the target selection development through the usage logs of customers (n = 300) of a mobile service provider. The results indicated that fuzzy c-means clustering and RFM algorithm are efficient for target selection. Also, the mapping of clusters with the appropriate channel of transactions revealed that mobile money users’ transactions could be optimized along the digital channel. The analytic model’s output enables appropriate cross-selling and up-selling campaigns that optimize the service provider revenue from existing and new mobile money users within the customer base. The channel evaluation revealed mobile application channels to be a promising and future channel for mobile money transactions as smartphone penetration continues to grow in emerging mobile markets. That is a positive sign of the digital channel’s future potential for mobile money transactions in developing markets. Acknowledgment The authors wish to thank the University of Pecs under the Higher Education Institution Excellence Program of the Ministry of Innovation and Technology in Hungary within the framework of the 4th Thematic Program – “Enhancing the Role of Domestic Companies in the Re-industrialization of Hungary.”

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Kusimba, Sibel. "Money, Mobile Money and Rituals in Western Kenya: The Contingency Fund and the Thirteenth Cow." African Studies Review 61, no. 2 (April 30, 2018): 158–82. http://dx.doi.org/10.1017/asr.2017.145.

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Abstract:This article, based on fieldwork in Western Kenya from 2012 to 2016, describes how life cycle rituals collect and distribute different forms of money, including land, property, personhood, animals, cash, and digital moneys. It specifically examines a ritual coming of age for adolescent boys. By organizing multiple forms of money relative to the phases of a human life, the past, and the future, these rituals serve to manage and transfer wealth across generations and to give these transfers social and moral dimensions. The study provokes a critique of financial initiatives in the Global South that often assume that the financial goals of the poor are short-term.

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Kruisbergen, E. W., E. R. Leukfeldt, E. R. Kleemans, and R. A. Roks. "Money talks money laundering choices of organized crime offenders in a digital age." Journal of Crime and Justice 42, no. 5 (October 20, 2019): 569–81. http://dx.doi.org/10.1080/0735648x.2019.1692420.

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Ignatescu, Camelia, and Raluca Onufreiciuc. "Digital Euro: A (Digital) Symbol of Progress and Integration in Europe." Logos Universality Mentality Education Novelty: Law 9, no. 1 (December 12, 2021): 74–82. http://dx.doi.org/10.18662/lumenlaw/9.1/58.

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The emergence of crypto assets such as Bitcoin and Ether exposed a number of advantages that these digital assets based on distributed ledger technology (DLTs) can offer. As cash is becoming less and less popular in the eurozone, the European Central Bank (ECB) is currently looking at the scenario of creating a digital euro as a kind of central bank money that may be used by the general public. DLT may be used to tokenize central bank money via digital currencies (CBDCs) issued by central banks, as well as to digitally represent bank deposits. The purpose of this article is to analyse what are the solutions for the future digitization of the monetary and financial systems and if current CBDC projects and prototypes, including those by the Chinese and Swedish central banks and the attempts of the ECB, have the chance to succeed with or without DLT.

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Zubaidi, Ibrahim Bassam, and Adam Abdullah. "Developing a Digital Currency from an Islamic Perspective: Case of Blockchain Technology." International Business Research 10, no. 11 (September 29, 2017): 79. http://dx.doi.org/10.5539/ibr.v10n11p79.

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Numerous studies ranging from concept papers and reviews were conducted on the matter of blockchain and digital currencies. However, those two areas are not well researched due to its being a new area of research. Furthermore, the research on blockchain applications in the Islamic financial system precisely the potential of digital currency in providing a better alternative to current fiat money system which will be the scope of this article. The aim of revolves around exploring the potential and capability of introducing a digital currency that fulfills the Islamic law (Shari’ah) functions of money and provides a more stable currency than fiat money. The method used for analyzing this object includes a library research on related topics that helps understanding the functions of money and digital currencies and study of several cases that can assist in fulfilling the objectives of this paper in introducing an Islamic digital currency through detailed research of Islamic theory of money and civilization as well as the developments of blockchain, our findings point towards the ability of introducing a Shari’ah-compliant digital currency if all the issues on validity are addressed and resolved. However, the area of digital currencies and blockchain requires further research from a Shari’ah perspective to facilitate a better understanding on the topic.

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Voloshin, Vyacheslav, and Viktoriya Gonchar. "Research of Money Characterstics in the Condutions of Segmentation of their Digital Analogues." Central Ukrainian Scientific Bulletin. Economic Sciences, no. 5(38) (2020): 141–51. http://dx.doi.org/10.32515/2663-1636.2020.5(38).141-151.

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The paper presents an attempt to study new qualitative characteristics of money that they will receive in the event of legalization of options for digital currencies in the world market. The logic of the development of the modern cryptocurrency segment is such that they will potentially be able to change the world market towards a complete rejection of the cash. This, in turn, will significantly change the system of commodity-money relations in favor of holders or managers of digital currencies, which will become uncontrollable from both their passive owners and the state. It is shown that the characteristics of digital money can gradually shift towards their endless illiquidity, as well as towards the gradual elimination of the concept of equivalence in commodity exchange. In this case it is possible to change the entire ideology of business, as the basis of the modern economy. Possibility to localize the likely excess composition of digital money, a large-scale growth of the service market is considered, as an alternative to the market of material goods. Digital money itself can be a system for irreversible changes in the conditions of controllability of any trading operations. Nowadays there are certain prerequisites for this: the global expansion of the services market as an active segment of the business, as an alternative to the goods market; a cryptocurrency with starting capabilities, as a reasonable currency with unlimited inflationary opportunities; the factor of counteraction to these changes on the part of the global banking system, as indirect evidence of such prerequisites, etc. The paper presents data on the calculation of risks associated with the financial instability of some countries’ economies during the transition from system cash to digital calculations. It is shown that a systemic transition to new rules for dealing with an infinite digital money supply can lead to the elimination of the system of equivalent exchange of the "commodity-money-commodity" type, into the area of uncontrolled expansion of the services market, as a commodity segment capable of hiding digital unsecured money supply.

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Shevtsov, Yu. "Theory of digital economy." Obshchestvo i ekonomika, no. 7 (2021): 6. http://dx.doi.org/10.31857/s020736760015757-1.

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The article discusses the basic provisions of the theory of the digital economy, synthesizing the practical experience of its formation in Russian society. The new content of commodity-money relations, the leading role of intangible assets in it, the objective nature of the monopoly of electronic money (the latter having lost a number of its specific functions), and the transformation of monetary institutions into diversified financial concerns are considered. The author substantiates the need to exclude individuals from taxation and to focus it on the fiscal accounting of intellectual, digital property and capital, in order to turn the budget into a financial instrument of redistribution of gross public product in favor of the disadvantaged. The concept of a two-tier economy is introduced, in which the class of intermediaries parasitizing on societal achievements is gradually eliminated.

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Zou, Lixing. "Digital Currencies and Relevant Policy Analysis." Research in Economics and Management 6, no. 3 (July 22, 2021): p1. http://dx.doi.org/10.22158/rem.v6n3p1.

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The paper collates the relations of digital currencies with the past forms of currencies, studies the operating mechanism of digital currencies, analyzes the influence of digital currencies on the financial order and economic pattern, and probes into how to drive the reform of global monetary system with pragmatic and innovative efforts. The paper highlights: First, the evolution and development of currency reflects the mankind’s social and economic development level. Second, digital currency born with the advances of technology does not change the content of credit money. The credit money-to-digital currency shift must respect the operating mechanism of money and ensure that the physical market and the money market are balanced or roughly balanced. Third, with a complicated influence on the social economy, digital currency is unlikely to change the global monetary system and the international economic pattern easily. Fourth, the work of encouraging financial innovation and improving overall financial infrastructure should come with strengthened efforts to develop sound rules governing the market order in the context of digital economy, by guarding against the risks from “excessive monopoly” and “decentralization”. Fifth, the paper calls for linking “trust, confidence and credit” of the human society organically with such intrinsic values as global development, global planning and global resources, and also leveraging such values to actively approach the “Earth-based” monetary system and its replacement of the “gold standard”, the “silver standard” and the sovereign credit based monetary system which have been in long use.

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Palacios Cárdenas, Zully Julieth, Miguel Andrés Vela Avellaneda, and Giovanny Mauricio Tarazona Bermudez. "BITCOIN COMO ALTERNATIVA TRANSVERSAL DE INTERCAMBIO MONETARIO EN LA ECONOMÍA DIGITAL." Redes de Ingeniería 6, no. 1 (September 5, 2015): 106. http://dx.doi.org/10.14483/udistrital.jour.redes.2015.1.a08.

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Bitcoin es un sistema de dinero digital descentralizado que está amenazando el uso del dinero convencional. Este sistema ha aumentado su popularidad atrayendo la atención de los medios, la comunidad y los organismos de control, dado su anonimato y estructura, donde los usuarios son quienes generan la moneda y verifican que las transacciones sean efectuadas por medio de un proceso criptográfico. El artículo evidencia el estado de arte de las diferentes formas de dinero que ha utilizado el ser humano, desde la aparición del trueque a partir del 9000 a.C, hasta llegar al Bitcoin como forma de dinero digital en la última década. Para el desarrollo de la investigación se hizo una búsqueda con las palabras: dinero (money), historia del dinero (history of money) y Bitcoin, principalmente en las bases de datos de las revistas: IEEE, ScienceDirect, Jstor-Journal Storage y Business Source Complete, de la Universidad Distrital Francisco José de Caldas y de la Universidad Nacional de Colombia (SINAB), donde se encontraron 355 documentos pero se seleccionaron 162 que favorecieron la revisión. Finalmente se concluye que el Bitcoin es considerado como una moneda experimental por lo tanto carece de reconocimiento dentro de la economía global, pero a futuro puede ser una alternativa a los costosos sistemas tradicionales, logrando aumentar el acceso de los negocios en la red.Bitcoin transversal alternative monetary exchange in the digital economyAbstractBitcoin is a decentralized system of digital money that is threatening the use of conventional money. This system has increased in popularity attracting media attention, community and control bodies, given their anonymity and structure where users are who generate the currency and verify that transactions are carried out by means of a cryptographic process. The article demonstrates the state of art of different forms of money used humans, since the emergence of barter from 9000 BC until the Bitcoin as a form of digital money in the last decade. For the development of research, it was searched with the words: money (money), history of money (history of money) and Bitcoin, mainly in databases of journals: IEEE, ScienceDirect, JSTOR-Journal and Storage Business Source Complete the District University Francisco Jose de Caldas and the National University of Colombia (SINAB) where 355 documents were found but 162 of them were selected because favored the review. Finally we conclude that Bitcoin is considered an experimental currency therefore lacks recognition within the global economy, but the future can be an alternative to expensive traditional systems, achieving increasing access network businessKey words: Bitcoin, criptocurrency, digital money, history of money, minning Bitcoin, money.

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Saputri, Novitasari Agus. "Readiness of SMEs on Digital Payment for Business Sustainbility." Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) 3, no. 2 (November 30, 2021): 140–44. http://dx.doi.org/10.47065/ekuitas.v3i2.1079.

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This study aims to analyze the readiness of MSMEs in using digital payments to support business sustainability in terms of the level of risks and benefits of using digital payments, the facilities they have, the ability to use digital payments and the needs of MSMEs for digital payments along with the development of current technology. The data analysis technique used was descriptive qualitative data analysis technique with the stages of data analysis, namely the data documentation stage, data reduction, data display and drawing conclusions. The results of this study indicate that in general the respondents, namely MSME business actors, strongly agree to use e-money in carrying out company operations. The use of e-m money is considered effective to support the company's operational activities. Apart from that, the use of e-money provides overall usefulness. The use of e-money is likely to pose risks to its users, both time and cost risks. In addition to the risks to be faced, respondents have the assumption that the use of e-money will also face losses. The losses are not proportional to the benefits to be received in the future. This is reinforced by previous research which stated that several factors that influence someone to adopt technology in the form of using electronic money are security and confidentiality, usability benefits, user convenience, fun, trust and risk. Meanwhile, the use of digital payments is considered capable of supporting business sustainability.

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Reznik, Oleg M., Yuliia O. Danylevska, Alina V. Steblianko, Iryna M. Chekmarova, and Vladyslav V. Karelin. "Current Status And Prospects Of Anti-Money Laundering In Digital Economy." REICE: Revista Electrónica de Investigación en Ciencias Económicas 8, no. 15 (July 6, 2020): 314–27. http://dx.doi.org/10.5377/reice.v8i15.9962.

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The relevance of the article is determined by the need to study money laundering in the digital economy since the gradual transition of the state economy to a digital format, including the emergence of electronic money, the spread of electronic banking and the use of other information technologies, leads to the emergence of new methods and schemes for money laundering, which requires the simultaneous identification of contemporary risks of counteracting this type of crime and the search for ways of improving such activity. The purpose of the article is to study the current status and to search for ways to improve the fight against money laundering in the digital economy. Abstract logical, comparative legal methods and critical analysis were used to achieve this goal. It has been found that advances brought by the digital economy were profitable tools for money laundering. The negative consequences of money laundering have been discussed, which updates the task of finding optimal areas for counteraction. It is concluded that such areas are as follows: improving the IT infrastructure of banks, establishing relationships between banks and law enforcement agencies, preventing cybercrime, improving the financial monitoring system, ensuring the interaction of financial monitoring entities and law enforcement agencies. The conclusions and provisions set forth in the article are aimed at improving state policy in the field of combating money laundering, taking into account the challenges of the digital economy.

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Ebong, Jimmy, and Babu George. "Financial Inclusion through Digital Financial Services (DFS): A Study in Uganda." Journal of Risk and Financial Management 14, no. 9 (August 24, 2021): 393. http://dx.doi.org/10.3390/jrfm14090393.

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This study unravels trends and momentum in banking and mobile money channels and uptake of select services and thereafter draws implications for enhancing financial inclusion through Digital Financial Services (DFS). The Rate of Change (ROC) approach was applied to analyze the growth momentum in banking and mobile money channels in Uganda. Implications for growth momentum in banking and mobile money channels for DFS and financial inclusion was drawn from observing and making informed interpretation of such observed trends and momentum. The findings of this study imply that banks must innovate to increase their contribution towards enhancing financial inclusion. Additional channel innovations, which may infuse banking and mobile money channels, are needed for banking to leverage on growth of mobile money and regain its role in enhancing financial inclusion. Leveraging the application of digital innovations in services such as payments and digitizing alternative channels such as agent banking are likely to increase efficiencies in physical channels and the provision of banking services and thereby increase overall reach and penetration of banking. The fast pace of mobile money penetration is good for speeding up financial inclusion. However, this calls for better regulatory approaches for DFS risk reduction, consumer protection, and protecting mobile money against integrity and financial crimes.

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Fageh, Achmad. "Digital Currency under the Perspective of Islamic Law." Maliyah : Jurnal Hukum Bisnis Islam 11, no. 1 (June 29, 2021): 110–28. http://dx.doi.org/10.15642/maliyah.2021.11.1.110-128.

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Fatwa Number: 28/DSn-MUI/III/2002 regulates the sale and purchase of money in the fatwa which reads: Currency buying and selling transactions are basically allowed, provided that: Not for chancy (speculation), just in case (savings), the transaction needs if the currency transactions are of the same type, they must be of the same value and cash. If different types, it must be based on the exchange rate at the time of transaction and cash delivery. The concept of digital currency for buying and selling transactions has met the requirements and pillars. However, in the mechanism, there is an element of ambiguity. Its nature and form is unknown (jahalah), which is contained in the software. The use of digital money is also seen as having many disadvantages. The reason is that when the price goes up, this digital money will be sold, and even the price can go up to zero. Here there is a dark side that is to draw fate and make a profit. So to avoid harm, this digital money is not recommended to be used.

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