Relevant bibliographies by topics / Digital payment system

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Digital payment system'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 July 2025

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Journal articles on the topic "Digital payment system"

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Rani, Mamta. "Digital Payment System Development in India." ANUSANDHAN – NDIM's Journal of Business and Management Research 5, no. 1 (2023): 39–47. http://dx.doi.org/10.56411/anusandhan.2023.v5i1.39-47.

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Digital payment methods have been growing exponentially owing to global progress in technology and high product ranges. The adoption of digital payments has gained momentum in India over recent years. Demonetization has played a prominent role in the growth of online payment technologies in the country. Nationwide lockdown during the Covid-19 pandemic has also boosted the digital payment systems in India. The present paper reviews the development of digital payment services. The paper also discusses the various modes used for digital payments in India. The study highlighted the increased use o
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Raut, Nileshkumar. "DIGITAL PAYMENT SYSTEM IN INDIA – PATHWAY TO DIGITAL INDIA." International Journal of Management, Economics and Commerce 1, no. 1 (2024): 55–58. http://dx.doi.org/10.62737/7h71af15.

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Indian economy is becoming a cashless economy even before and after the time of covid-19. Also, various methods and tools for making digital payments have evolved a lot since the establishment of NPCI. Nowadays even small shopkeepers, street vendors are accepting the option of digital payment. Apart from this, overseas markets currently accepting UPI payments include Singapore, Malaysia, UAE, France, Nepal, UK, Mauritius, Sri Lanka. In the present paper, the digital payment system in India has been studied in detail. Major tools and methods of digital payment system, benefits of digital paymen
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Dhoke, Satish. "Digital Payment System in India: Development and Future Consideration." Studies in Indian Place Names 40, no. 38 (2020): 219–24. https://doi.org/10.5281/zenodo.10451412.

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<strong>Abstract:</strong>This research paper aims to explore in India a digital payment system, and thus identify&nbsp;development and future consideration. The paper discusses conceptual framework, digital&nbsp;payment platforms, instruments and services available in the economy and their robustness.&nbsp;The also defines strategies to overcome the challenges faced by the economy in digitizing the&nbsp;financial system.The present research paper is focusing on the impact of these new digital&nbsp;paymentsystems on customers and problems encountered if any.<strong>Keyword:-Digital payment, Ca
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M, Abdurahman, Aiswarya KR, and Aslam K A. "A STUDY ON DIGITAL PAYMENT SYSTEM AMONG RURAL CUSTOMERS IN MALAPPURAM DISTRICT." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 08, no. 01(II) (2025): 218–22. https://doi.org/10.62823/ijarcmss/8.1(ii).7342.

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A payment made through digital methods is referred to as a digital payment. In digital payments, both the payer and the payee transfer and receive money digitally. The digital payment system has emerged as a preferred payment method all over the world, including India. The Indian government has taken various measures to promote and encourage digital payments in the country. Most of India’s economy depends on the rural economy, and only when digital payment methods become an integral part of rural economic development could digital initiatives be considered successful. The present study is thus
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Gupta, Princee. "DIGITAL PAYMENT ECOSYSTEM IN INDIA: A STUDY ON INTEROPERABILITY DURING THE COVID-19 CRISIS." International Journal of Management, Public Policy and Research 4, no. 1 (2025): 30–35. https://doi.org/10.55829/ijmpr.v4i1.263.

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The Prime Minister's plan, the "Digital India Program," will spur innovation across all industries. The COVID-19 period increase the use of digital payment system because of the social distancing rules and lockdown situation. During COVID-19 period, there is a need to quickly transform traditional payment mode to digital payment mode. The world need to adapt new ways of life and work. Since 2016, government has made a concerted effort to promote online payments, beginning with demonetization. Many digital and Indian economic actions were motivated by "Digital India" campaign., unstructured sup
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S. Munde, Shreedevi. "AWARENESS OF DIGITAL PAYMENT SYSTEM AMONG PG STUDENTS: A STUDY." JCER’S KALEIDOSCOPE JOURNAL OF MANAGEMENT RESEARCH 1, no. 1 (2025): 94–100. https://doi.org/10.62801/jkjmr1.9.

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The rapid advancement of digital technologies has significantly transformed the landscape of financial transactions, with digital payment systems gaining widespread adoption across various demographic segments. This study investigates the awareness and usage of digital payment systems among postgraduate (PG) students, focusing on their knowledge, preferences, and barriers to adoption. A structured questionnaire was adopted to a sample of PG students from K.L.E. Society’s G. I. Bagewadi Arts, Science and Commerce College, Nipani Karnataka and different disciplines, aiming to assess their famili
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Vidya, M., and V.T. Shailashri. "A Study on Evolving Digital Transformation in Indian Banking System." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 116–30. https://doi.org/10.5281/zenodo.4781901.

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Purpose: Industry analysis gives a broad idea of industry in terms of its objectives, resources as inputs and functions, products &amp;services as output. In this paper, we have studied various electronic payment systems practiced by the banking industry like card payments NEFT, RTGS, IMPS, and UPI. Analysis has been done on the value &amp;volume, growth of these digital payments over the last 5years. A comprehensive analysis of the evolving digital payments using the ABCD model is performed. Design/methodology /Approach: This industry analysis is the conceptual research case study. Analysis o
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Mubarak, Dzakisyah Alyus, Muhammad Heru Akhmadi, and Erlita Nurma Wati. "Implementasi Sistem Aplikasi Pembayaran Digital Payment Dalam Pelaksanaan Pembayaran Berbasis Cashless di Masa Pandemi Covid-19." JURNAL MANAJEMEN KEUANGAN PUBLIK 6, no. 2 (2022): 115–22. http://dx.doi.org/10.31092/jmkp.v6i2.1699.

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In line with the trend of increasing state expenditure payments, the government uses a digital system to carry out cashless-based payments. The digital system provides advantages in the effectiveness of state expenditure payments to the payee and supports the efficiency of state financial management. One of the digital systems used is the Digital Payment application developed by the Directorate General of Treasury. This study aims to review the use of the Digital Payment application in making non-cash payments to payees (suppliers) in the 2019-2021 period. This study used a qualitative method
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Poudel, Hem Kanta, Deepesh Ranabhat, Pradeep Sapkota, and Mala Ranabhat. "Adoption of Digital Payment System among the Youths in Pokhara Metropolitan City." Interdisciplinary Journal of Innovation in Nepalese Academia 2, no. 2 (2023): 160–72. http://dx.doi.org/10.3126/idjina.v2i2.59495.

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Effective payment systems are crucial components of any nation's financial infrastructure. In recent years, Nepal has witnessed a significant surge in the utilization of digital payment systems. The examination of the adoption of digital payment methods in Nepal is of paramount importance as it sheds light on behaviors related to financial technology that can shape the future of the country's financial system and contribute to its economic development. This study aims to explore the factors influencing the adoption intention of digital payment systems in Pokhara Metropolitan City, Nepal. The s
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Parmar, Prakashchandra, and Ketaki Sheth. "A STUDY ON DIGITAL PAYMENT SYSTEM USAGE BEHAVIOUR OF CUSTOMERS OF GUJARAT STATE." International Journal of Management, Public Policy and Research 2, no. 1 (2023): 129–35. http://dx.doi.org/10.55829/ijmpr.v2i1.121.

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The government of India is promoting the digital payments with the objective of to make seamless digital payments available to all Indian people in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the digital payment usage behavior of customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital payment system for daily and routine small amount transactions therefore it is suggested to the di
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Dissertations / Theses on the topic "Digital payment system"

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Bagai, Akshay. "Payment systems in the United States and architectures enabled by digital currencies." Thesis, Massachusetts Institute of Technology, 2017. http://hdl.handle.net/1721.1/112061.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, School of Engineering, System Design and Management Program, 2017.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 69-71).<br>A payment is a transfer of value from one party to another and cash is the simplest form of payment. However, the cost of cash transactions increases as the volume of transactions or distance between the parties involved increases. Various electronic payment systems have evolved over time to enable different types of transactions in the economy. Paym
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Almeida, Lucas Minelli de. "Central Bank Digital Currency: um olhar sobre o design e formas de implementação." Master's thesis, Instituto Superior de Economia e Gestão, 2021. http://hdl.handle.net/10400.5/23427.

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Mestrado Bolonha em Economia Internacional e Estudos Europeus<br>O estado atual do mundo criou a tempestade perfeita para a abordagem deste tema. Partindo da rápida digitalização que atravessamos, acelerada pela explosão da crise pandémica recente e, paralelamente, o aumento da popularidade das criptomoedas privadas, que puseram em causa os Bancos Centrais e a respetiva autoridade monetária, abriu-se espaço à exploração das Central Bank Digital Currency. Nesse sentido, tem-se assistido a um aumento exponencial do interesse por parte dos Bancos Centrais neste tópico. A importância de perceber c
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Mpofu, Handsome C. "Development of an M-Payment system prototype for a marginalized region (Dwesa case study)." Thesis, University of Fort Hare, 2011. http://hdl.handle.net/10353/458.

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Wireless technologies, such as Worldwide Interoperability for Microwave Access (WiMAX) and Wireless Fidelity (WiFi), are making it easier to provide the much needed telecommunications infrastructure in marginalized areas worldwide. These technologies enable the rapid deployment of network services as well as their redistribution throughout these marginalized areas. The ability to bring Internet connectivity to previously underserviced and marginalized areas has the potential to leap-frog socio-economic development and improve participation in the global knowledge economy. This study investigat
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Naik, Vaibhav C. "The evolution of the digital payments : the past, present and future of digital payments." Thesis, Massachusetts Institute of Technology, 2015. http://hdl.handle.net/1721.1/115037.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, System Design and Management Program, 2016.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 37-39).<br>The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is
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Imamovic, Arnela. "Cash is [no longer] king: is an e-krona the answer? : - a de lege ferenda investigation of the Swedish Riksbank's issuing mandate and other legal callenges in relation to economic effects on the payment market." Thesis, Linköpings universitet, Filosofiska fakulteten, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-156410.

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For the past decades, the Swedish public’s payment habits have changed, where the majority of the public has abandoned the old way of making payments, using cash, and instead opted for more modern payment solutions, digital money. The difference between cash and digital money is that cash is physical and only issued by the Riksbank, whereas digital money is created by and stored on accounts at commercial banks. The question of what role the state should have on the payment market is an important point of discussion. But it is not categorically a new question; the Swedish government is tackling
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Roehrs, Alex. "4iPay: modelo para sistemas de pagamento móvel em comércio ubíquo." Universidade do Vale do Rio dos Sinos, 2012. http://www.repositorio.jesuita.org.br/handle/UNISINOS/3140.

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Submitted by Mariana Dornelles Vargas (marianadv) on 2015-03-25T13:57:02Z No. of bitstreams: 1 4iPay.pdf: 3380679 bytes, checksum: 49edaff25098492ab3c46fcf4aad082b (MD5)<br>Made available in DSpace on 2015-03-25T13:57:02Z (GMT). No. of bitstreams: 1 4iPay.pdf: 3380679 bytes, checksum: 49edaff25098492ab3c46fcf4aad082b (MD5) Previous issue date: 2012<br>CAPES - Coordenação de Aperfeiçoamento de Pessoal de Nível Superior<br>Este trabalho tem por objetivo apresentar um modelo de arquitetura e usabilidade para um sistema de pagamento móvel (Mobile Payment System), considerando as premissas de
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Aminoff, Fredrik, and Johan Dettel. "Payment Solutions for Services in Interactive TV : A Comparative Evaluation of Electronic Payment Systems." Thesis, Linköping University, Department of Management and Economics, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-2168.

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<p>The market for digital TV is developing and some industry actors focus on interactive TV. Interactive content and services that previously only were able to use through a standard PC are now available to use through the TV set. To distribute the services to the TV a so called set top box with broadband connection needs to be used. Such a box can be described as a unit where a standard PC and a digital TV receptor are integrated.</p><p>This thesis aims to investigate the market for electronic payment solutions with a focus on payment for interactive content and services in digital TV. The pr
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Yamori, Nobuyoshi, and Narunto Nishigaki. "Recent Developments of Digital Cash Projects in Japan." 名古屋大学大学院経済学研究科附属国際経済政策研究センター, 2005. http://hdl.handle.net/2237/11922.

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Rosqvist, Karl. "E-handel – hur utbrett är fenomenet shopping cart abandonment? : Ett kvantitativt kartläggande vad gäller svenska konsumenters preferenser vid betalningsfasen." Thesis, Linnéuniversitetet, Institutionen för informatik (IK), 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-68435.

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Shopping cart abandonment, eller digitalt avbrutna köp, beskrivs som problematiskt inom e-handelssektorn. I denna undersökning kartläggs svenska e-handelskonsumenters betalningspreferenser för att författaren ska kunna slutleda varför digitala köp avbryts. En informationsasymmetri råder mellan konsumenter och e-butiker som bidrar till negativa konsekvenser. Då ingen inhemsk, objektiv forskning finns att tillgå och den internationella forskning som existerar är svår att generalisera samt vid flertalet tillfällen är tidsinaktuell bör författarens forskningstillskott ses som relevant. Författaren
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Добровольська, Є. В. "Банківський бізнес в умовах цифровізації". Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Dobrovolska.pdf.

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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижче<br>У роботі розглянуті теоретичні основи цифровізації банківського бізнесу. Розкрито сутність та ознаки цифровізації. Охарактеризовано види цифрових технологій сучасного банку. Визначено основи законодавчого регулювання цифрової трансформації банків. Проаналізовано практичні аспекти цифровізації в сучасному банківському бізнесі. Визначено вплив цифровізації на банківську діяльність в Україні. Досліджено рівень розвитку цифрових технологій в банківській системі України. Проаналізовано діяльність АТ
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Books on the topic "Digital payment system"

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Homenko, Elena. Legal regulation of the digital national payment system of the Russian Federation. INFRA-M Academic Publishing LLC., 2022. http://dx.doi.org/10.12737/1905572.

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The textbook is devoted to a currently relevant problem — the analysis of digital transformations in the modern national payment system and payment systems as its structural elements. The textbook reveals the features of the construction of the NPS of Russia, the range of its subjects, the relationship with the banking system of our state and the banking systems of a number of foreign countries. The features of the functioning of the payment system of the Bank of Russia are analyzed, its high importance in the field of settlements is shown&#x0D; , taking into account the new digital technologi
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United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness. Digital audio recording: Hearing before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce, House of Representatives, One Hundred Second Congress, second session, on H.R. 4567, a bill to implement a royalty payment system and a serial copy management system for digital audio recording, and to prohibit certain copyright infringement actions, March 31, 1992. U.S. G.P.O., 1992.

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United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Patents, Copyrights, and Trademarks. The Audio Home Recording Act of 1991: Hearing before the Subcommittee on Patents, Copyrights, and Trademarks of the Committee on the Judiciary, United States Senate, One Hundred Second Congress, first session, on S. 1623, a bill to amend Title 17, United States Code, to implement a royalty payment system and a serial copy management system for digital audio recording, to prohibit certain copyright infringement actions, and for other purposes, October 29, 1991. U.S. G.P.O., 1992.

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Payment systems strategy (2019-2024): Go digital. Bank of Ghana, 2019.

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Marszałek, Paweł, Katarzyna Schmidt-Jessa, Filip Kliber, et al. Money and banking systems. Edited by Katarzyna Schmidt-Jessa, Anna Iwańczuk-Kaliska, and Anna Warchlewska. Wydawnictwo Uniwersytetu Ekonomicznego w Poznaniu, 2025. https://doi.org/10.18559/978-83-8211-266-5.

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In recent years, major phenomena such as the digital revolution, the COVID-19 pandemic, wars, and political turmoil have significantly affected people’s lives, economies, and financial markets. Modern technologies and product innovations have transformed banking and banking systems. Traditional banks remain crucial as financial institutions and entities of public trust. However, new players like digital banks, FinTech, and BigTech present challenges and risks. Money and payment methods are evolving, with central bank digital currencies emerging as potential substitutes for cash, while cashless
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Digital audio recording: Hearing before the Subcommittee on Commerce, Consumer Protection, and Competitiveness of the Committee on Energy and Commerce, House of Representatives, One Hundred Second Congress, second session, on H.R. 4567, a bill to implement a royalty payment system and a serial copy management system for digital audio recording, and to prohibit certain copyright infringement actions, March 31, 1992. U.S. G.P.O., 1992.

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Mullan, P. Digital Currency Challenge: Shaping Online Payment Systems Through US Financial Regulations. Palgrave Macmillan Limited, 2014.

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Interoperability Between Central Bank Digital Currency Systems and Fast Payment Systems: A Technical Perspective. Washington, DC: World Bank, 2024. http://dx.doi.org/10.1596/41812.

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Mullan, P. The Digital Currency Challenge: Shaping Online Payment Systems through US Financial Regulations. Palgrave Pivot, 2014.

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Mullan, Philip. Digital Currency Challenge: Shaping Online Payment Systems Through U. S. Financial Regulations. Palgrave Macmillan Limited, 2014.

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Book chapters on the topic "Digital payment system"

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Goldfinch, Peter. "Integration with National Payment System." In Digital Financial Inclusion. Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-6.

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Chang, Yu-Pin, Yu-Chuan Liu, Wen-Wen Chang, et al. "Payment Structure." In Digital Health Care in Taiwan. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-05160-9_3.

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AbstractThe payment system has a great impact on the overall growth of medical expenses, the distribution of medical resources as well as medical efficiency and quality. To quickly integrate the existing civil service, labor, and farmers’ insurance system, the fee-for-service approach was adopted as the primary National Health Insurance (NHI) payment system at the beginning of its establishment. The content also elaborates the concept and operation mechanism of the global budget payment system and various supplemental payment methods in the NHI, such as case payment, per diem payment, pay-for-
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Pertseva, Svetlana. "Digital Transformation of the Russian National Payment System." In Digital International Relations. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-3467-6_3.

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Hanyu, Mao. "Central Bank Digital Currency Cross-Border Payment Model Based on Blockchain Technology." In Financial Mathematics and Fintech. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-2366-3_10.

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AbstractSince the turn of the twenty-first century, the growth of the globalized economy and trade has accelerated, and the cross-border payment system, which is an essential component of the international financial infrastructure, has played a significant role in the global economy and trade. However, traditional cross-border payments present risks and challenges, such as expensive processing fees, limited payment efficiency, information asymmetry in the trade process, and reliance on a highly centralized cross-border payment system. This chapter is based on consortium blockchain technology a
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Moon, Woosik. "The digitalisation of the payment and settlement system." In Digital Payments and the Cashless Economy. Routledge, 2025. https://doi.org/10.4324/9781003386216-2.

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Laxmaiah, M., and T. Neha. "A Novel Approach for Digital Online Payment System." In Lecture Notes in Electrical Engineering. Springer Singapore, 2018. http://dx.doi.org/10.1007/978-981-13-0212-1_71.

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Dhamija, Deepika, Ankit Dhamija, Ravi Ranjan, Shiv Swaroop Jha, and Renu. "E-Rupi—Recent Advancement in Digital Payment System." In International Conference on Innovative Computing and Communications. Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-2535-1_16.

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Groß, Stephan, Sabine Lein, and Sandra Steinbrecher. "A Multilateral Secure Payment System for Wireless LAN Hotspots." In Trust, Privacy, and Security in Digital Business. Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/11537878_9.

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Goon, Surajit, Debdutta Pal, Souvik Dihidar, and Subham Roy. "QR Code-Based Digital Payment System Using Visual Cryptography." In Advances in Intelligent Systems and Computing. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-0550-8_11.

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Erlina, Rr, and Faila Shofa. "Performance analysis of vehicle tax payment system queue." In The Future Opportunities and Challenges of Business in Digital Era 4.0. Routledge, 2020. http://dx.doi.org/10.1201/9780367853778-19188.

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Conference papers on the topic "Digital payment system"

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Li, Qiang. "Design and Implementation of Digital Currency Payment System based on Blockchain Technology." In 2024 International Conference on Intelligent Algorithms for Computational Intelligence Systems (IACIS). IEEE, 2024. http://dx.doi.org/10.1109/iacis61494.2024.10721732.

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Li, Mei, Veronica, and Kevin Deniswara. "Key Factors Driving Use of Digital Payment in Kalimantan Island: UTAUT Model." In 2024 International Conference on Informatics, Multimedia, Cyber and Information System (ICIMCIS). IEEE, 2024. https://doi.org/10.1109/icimcis63449.2024.10957229.

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C S, Sandeep, Sameer Yadav, B. Rajesh Kumar, S. Baranidharan, T. Vijayaraj, and Prasanna Kumar Lakineni. "A Novel Network-Based Digital Payment Fraud Detection using OP-ELM Network." In 2025 3rd International Conference on Data Science and Information System (ICDSIS). IEEE, 2025. https://doi.org/10.1109/icdsis65355.2025.11070833.

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Ren, Xiaojie, Wei Wang, and Xiaodong Yan. "Information Distribution Method and System Based on Blockchain Offline Payment and Digital Finance." In 2024 Asian Conference on Intelligent Technologies (ACOIT). IEEE, 2024. https://doi.org/10.1109/acoit62457.2024.10939245.

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Galhotra, Bhavna, Shalini Bhaskar Bajaj, Aman Jatain, and Vivek Jaglan. "Secured Digital and QR Code Payments: A Comparative Analysis of Payment Models." In 2024 4th International Conference on Sustainable Expert Systems (ICSES). IEEE, 2024. https://doi.org/10.1109/icses63445.2024.10763199.

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Kumar, Anoop, Anil Singh Parihar, Pooja Jain, and Rachit Jain. "Emerging Technologies & their Impact on the Evolution of Digital Payment Systems." In 2025 IEEE International Conference on Interdisciplinary Approaches in Technology and Management for Social Innovation (IATMSI). IEEE, 2025. https://doi.org/10.1109/iatmsi64286.2025.10985363.

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Kant, Vishnu. "Optimizing Logistic Regression for Flawless Fraud Detection in Digital Payments." In 2024 Second International Conference on Intelligent Cyber Physical Systems and Internet of Things (ICoICI). IEEE, 2024. http://dx.doi.org/10.1109/icoici62503.2024.10696469.

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Mandal, Shovon, and Pintu Chandra Shill. "Ensuring Security and Efficiency in Digital Payments using Blockchain with NFC." In 2024 International Conference on Knowledge Engineering and Communication Systems (ICKECS). IEEE, 2024. http://dx.doi.org/10.1109/ickecs61492.2024.10616703.

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P, Manjula Devi, Shridhar B. R, Vinoth S, and Gopalakrishnan Chinnasamy. "Machine Learning-Driven Insights into Digital Payment Systems for Vendor Network Expansion and Customer Retention." In 2025 International Conference on Data Science, Agents & Artificial Intelligence (ICDSAAI). IEEE, 2025. https://doi.org/10.1109/icdsaai65575.2025.11011702.

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Prayitno, Edy, Rikie Kartadie, Uning Lestari, and Munengsih Sari Bunga. "Implementation of AI-Based Support Vector Machine Algorithm for Fraud Detection in Digital Payment Systems." In 2024 7th International Seminar on Research of Information Technology and Intelligent Systems (ISRITI). IEEE, 2024. https://doi.org/10.1109/isriti64779.2024.10963478.

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Reports on the topic "Digital payment system"

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Ammar, Faisal. Empowering economic integration through ASEAN’s digital payment system. East Asia Forum, 2025. https://doi.org/10.59425/eabc.1741730400.

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Scarpini, Celeste, Fabrizio Santoro, Mary Abounabhan, and Awa Diouf. The E-levy and Merchant Payment Exemption in Ghana. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.036.

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Mobile money-enabled digital merchant payments have significant promise for enhancing tax compliance in lowincome countries, and addressing persistent challenges. First, digital merchant payments offered by mobile money providers guarantee greater accessibility to safer and faster formal payment. Second, they help businesses to keep comprehensive records of their activities, expenses, and receipts – enhancing accuracy of tax filing, and perceptions of the tax administration’s monitoring and enforcement capabilities. Third, they improve businesses’ perceptions of the transparency and predictabi
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Tinta, Jule Kaïni, Mouhamed Zerbo, Fabrizio Santoro, Awa Diouf, and Kèrabouro Pale. Electronic Services and Tax Compliance: Evidence from Medium and Small Businesses in Burkina Faso. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.099.

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African governments are increasingly digitalising their tax systems, with the hope of raising more revenue through digitalisation. This paper investigates the adoption and impact of electronic services on tax outcomes, focusing on small and medium enterprises (SMEs) in Burkina Faso. We focus on three indicators of e-service adoption by taxpayers – namely registering for the eSINTAX platform, using it for e-filing (called eSINTAX filing), and paying taxes digitally (called tax epayment). We rely on survey data from 1,090 SMEs and tax administrative data of about 17,000 SMEs on eSINTAX, tax retu
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Ketterer, Juan Antonio, and Gabriela Andrade. Digital Central Bank Money and the Unbundling of the Banking Function. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0007008.

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Innovations in digital payment technologies and digital currencies suggest that extending access to central bank money (CBM) to firms and individuals is now feasible. This paper focuses on a recent related debate regarding alternative organizational models for the payment system and their implications for the banking industry. One of the main conclusions is that extended access to CBM will likely create a centrifuge force in the financial system that might result in the unbundling of the banking functions.
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Ali, Abdelrahman. Significance of Adopting Digital Financial Technologies in Egypt. Islamic Development Bank Institute, 2023. http://dx.doi.org/10.55780/re24033.

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Egypt has a growing population of more than 100 million, an increase of more than 7 million since the 2017 census. With this population growth, the country faces significant development challenges as its large and growing population is unbanked and underserved in financial services. Hence, Egypt exerts more efforts to promote and deliver affordable digital financial inclusion to expand its financial services outreach by encouraging private sector intervention. The private sector could contribute effectively to financial technology adoption through smartphones and instant payment applications.
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Santoro, Fabrizio, Razan Amine, and Tanele Magongo. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini. Institute of Development Studies, 2022. http://dx.doi.org/10.19088/ictd.2022.006.

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Many tax authorities changed the mode of interacting with taxpayers from physical to online as a response to the Covid-19 pandemic, to diminish the spread of the virus. Eswatini, the country under study, mandated the use of online tax filing through the e-Tax system for all income tax payers, coupled with a zero-cash-handling policy for tax payment. By means of a difference-in-difference (DID) strategy, reinforced by a propensity score matching (PSM), this paper offers an impact evaluation of the mandate on taxpayer filing and payment behaviour. We present three sets of results. First, we desc
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Santoro, Fabrizio, Celeste Scarpini, and Stephen Okika. he Potential of Digital ID Systems for Tax Administration: The Case of Ghana. Institute of Development Studies, 2024. https://doi.org/10.19088/ictd.2024.114.

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Digital identification systems (DIS) have great potential for strengthening tax administration. This paper examines the practical implications of integrating DIS with tax administration in Ghana. Studying system integration and data sharing between the Ghana Revenue Authority and the National Identification Agency, we evaluate the impact of replacing taxpayer identification numbers (TINs) with personal identification numbers (PINs) linked to a Ghana Card. By analysing administrative data and surveying 1,000 businesses in Accra, the study investigates registration patterns, tax perceptions and
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Derrick, Fossong, Ashu Mc Moi Ndi, and Fabrizio Santoro. Digital Tax Policy and Tax Revenue Collection in Cameroon. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.001.

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Many African countries have made significant progress in digitalising tax administration. Recent research has shown promising evidence around the impact of digital solutions, such as electronic filing, on tax compliance and revenue generation. Very little, however, is known about how digitalisation could strengthen local tax administration, and how subnational government levels could benefit from broader national digitalisation reforms. The case of Cameroon illustrates how local tax administrations can struggle to benefit from technology. The digital tax policy (DTP) was adopted in Cameroon in
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Arewa, Moyo, Celeste Scarpini, Kelbesa Megersa, Barry Cooper, Antonia Esser, and Megan Campbell. How Will Central Bank Digital Currencies (CBDCs) Influence Tax Administration in Developing Countries? Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.057.

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Developing countries are driving the emergence of central bank digital currencies (CBDCs) – digital versions of sovereign currencies issued by central banks. While CBDCs can potentially improve financial inclusion, improve payment systems, and increase tax collection in lower-income countries, they are also associated with a complex combination of operational and security risks. This research sheds light on the tax implications of CBDCs, including the potential risks and benefits of their implementation. It outlines some of their key features and considers challenges common to revenue authorit
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Fossong, Derrick, and Ashu Mc Moi Ndi. Digital Tax Policy and Tax Revenue Collection in Cameroon. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.060.

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Cameroon adopted a digital tax policy some eight years ago. Before full implementation of the digital tax policy in 2016, councils in Cameroon, especially local councils, reported many challenges due to delays and irregularities in central government revenue-sharing (shared taxes). The direct taxes and fees collected by the councils were felt to be low, given the effort needed to collect them. It is important to understand whether adoption of the digital tax policy has increased the much-needed tax revenue for local council projects, and enhanced general tax revenue. General tax revenue refers
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