Journal articles: 'Electronic funds transfer'

1

Henderson, Ian. "Electronic funds transfer fraud." Computer Fraud & Security 2003, no. 12 (December 2003): 6–9. http://dx.doi.org/10.1016/s1361-3723(03)00006-x.

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Tanaka, Yoshiaki, Minoru Akiyama, and Takanori Uchida. "Untraceable electronic funds transfer systems." Electronics and Communications in Japan (Part III: Fundamental Electronic Science) 72, no. 9 (1989): 47–55. http://dx.doi.org/10.1002/ecjc.4430720905.

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Dharma, Anak Agung Bagus Ari Satya, Anak Agung Sagung Laksmi Dewi, and Ni Made Puspasutari Ujianti. "Akibat Hukum Terjadinya Salah Transfer Dana Perbankan." Jurnal Konstruksi Hukum 3, no. 2 (March 29, 2022): 420–25. http://dx.doi.org/10.55637/jkh.3.2.4849.420-425.

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In this era of globalization, everyone is certainly no stranger to fund transfer activities. Transfer of funds is very helpful in community activities, but with the convenience of the facilities provided by the bank, of course there are risks, such as errors in transferring funds. The purpose of this research is to determine the legal knowledge of banking fund transfers and to discuss the legal consequences of errors in bank fund transfers. This research is a normative legal research supported by primary and secondary legal materials. The data collection technique in this research is to record and document. The data analysis technique is to examine books, literature and electronic media related to this research. The results of the reserach explain that UUTD no. 3 of 2011 in Article 1 point 1 regulates the definition of transfer or transfer of funds, namely an activity of transferring funds of a certain amount by the original sender to the recipient who has been mentioned in the order for the transfer of funds until it is received. And based on Article 1360 of the Civil Code, which states: "Whoever knowingly or not, receives something that does not have to be paid to him, must return it to the person who gave it". So that according to civil law, a person is obliged to return funds that are not his right from the results of an error in transferring funds that occur with a note that the bank must be able to clearly prove that the funds are not intended for the person concerned.

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4

Cho, George. "Electronic funds transfer: new legal issues?" International Journal of Technology Policy and Law 1, no. 2 (2012): 168. http://dx.doi.org/10.1504/ijtpl.2012.050215.

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Lee, Chang-Woon. "A study on the Electronic Funds Transfer." Korea Financial Law Association 12, no. 1 (April 30, 2015): 265–322. http://dx.doi.org/10.15692/kjfl.12.1.9.

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Rupp, William T., and Alan D. Smith. "Electronic Funds Transfer in Faith-Based Organizations." Journal of Ministry Marketing & Management 7, no. 2 (August 2002): 21–33. http://dx.doi.org/10.1300/j093v07n02_02.

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7

Brown, Brandon. "Audit and Control of Electronic Funds Transfer." EDPACS 23, no. 10 (April 1996): 1–6. http://dx.doi.org/10.1080/07366989609451384.

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8

Lewis, Jacqueline. "The DOCLINE Electronic Funds Transfer System (EFTS)." Journal of Interlibrary Loan,Document Delivery & Electronic Reserve 17, no. 3 (August 1, 2007): 75–83. http://dx.doi.org/10.1300/j474v17n03_11.

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Araújo, Carlos, Paulo Maciel, Armin Zimmermann, Ermeson Andrade, Erica Sousa, Gustavo Callou, and Paulo Cunha. "Performability modeling of electronic funds transfer systems." Computing 91, no. 4 (October 13, 2010): 315–34. http://dx.doi.org/10.1007/s00607-010-0121-0.

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Mulawardhana, Rengga Aditya, and Go Lisanawati. "Tindak Pidana Terkait Akses Akun Mobile Banking dengan Mengaktifkan Kembali Simcard yang Sudah Tidak Aktif." JURNAL YUSTIKA: MEDIA HUKUM DAN KEADILAN 23, no. 02 (December 18, 2020): 77–89. http://dx.doi.org/10.24123/yustika.v23i02.3057.

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Criminal activities related to the use of the internet (cyber crime) are growing rapidly in Indonesia with various modes. This article aims to analyze one of the cases that has occurred regarding illegal access to fund transfers based on normative juridical methods. The action being studied was access to a mobile bank account using an inactive card to transfer funds. Based on this mode, two violations occurred in 2 (two) laws as well as Law Number 11 of 2008 concerning Information and Electronic Transactions and Law Number 3 of 2011 concerning Fund Transfers. The result of this research is that perpetrators with mobile banking account access mode by using an inactive card and transferring funds can fulfill the criminal elements according to the provisions of Article 30 paragraph (3) of Law Number 11 of 2008 concerning Electronic Information and Transactions, and can subject to criminal penalties according to Article 46 paragraph (3) of Law Number 11 of 2008 concerning Electronic Information and Transactions, and also fulfills criminal elements according to the criminal provisions of Article 81 of Law Number 3 of 2011 concerning Fund Transfers.

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김재두. "A Legal Study on the Electronic Funds Transfer." Dankook Law Riview 38, no. 2 (June 2014): 291–315. http://dx.doi.org/10.17252/dlr.2014.38.2.010.

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12

Read, R. J. "EFTPOS: electronic funds transfer at point of sale." Electronics & Communications Engineering Journal 1, no. 6 (1989): 263. http://dx.doi.org/10.1049/ecej:19890057.

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13

Kinnon, A., and R. H. Davis. "Audit and security implications of electronic funds transfer." Computers & Security 5, no. 1 (March 1986): 17–23. http://dx.doi.org/10.1016/0167-4048(86)90113-6.

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14

Lamond, A., and R. H. Davis. "Electronic funds transfer in the UK banking system." International Journal of Information Management 11, no. 2 (June 1991): 105–25. http://dx.doi.org/10.1016/0268-4012(91)90003-u.

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15

Zajac, Bernard P. "Report on electronic funds transfer security in U.S." Computer Law & Security Review 1, no. 4 (November 1985): 13–14. http://dx.doi.org/10.1016/0267-3649(85)90024-x.

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16

Herlani, Ahmad Fajar. "BANK CUSTOMER PROTECTION BASED ON HIGH-LEVEL PRINCIPLE ASPECT ON FINANCIAL CONSUMER PROTECTION (G20 PARIS 2011)." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 12, no. 1 (June 30, 2020): 23–32. http://dx.doi.org/10.20414/mu.v12i1.2055.

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This writing discusses the protection of customers who experience delays and errors in electronic funds transfers caused by damage or interference from the bank. In this case, the bank experiences an inability to provide data access (availability of data) which should have been accessed by the customer for 24 hours. In providing access to customer protection data, it covers two aspects that must be considered, namely if the failure of the transfer occurs when the customer has not made an acceptance of the transfer (experiencing non-availability of data), then the customer has the right to complain to the bank. But if the transfer failure occurs when the customer has made an acceptance caused by natural disasters, danger, riots, armed conflicts, and/or other emergencies determined by the government that occurs in the area or location of the Original Sending Operator that is carrying out fund transfer orders, damage to electronic or non-electronic infrastructure systems that directly affect the implementation of Fund Transfer Orders that cannot be controlled by the Originator, the failure of the clearing system or the Fund Transfer System. Then the original sender is responsible to the original sender.

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17

Коростелев, Максим, and Maksim Korostelev. "Turnover of Electronic Funds: Civil Law Issues." Journal of Russian Law 1, no. 12 (November 14, 2013): 130–35. http://dx.doi.org/10.12737/1556.

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The article is devoted to the definition of electronic money according to Russian legislation, its legal nature, legal mechanism of its transfer, to the question whether electronic money is legal tender in Russia as well as to the question whether electronic money emission constitutes deposit taking activity.

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18

Lewis, Colin. "Electronic Funds Transfer in Banking: Implications for Manufacturing Businesses." Journal of General Management 10, no. 3 (March 1985): 58–64. http://dx.doi.org/10.1177/030630708501000304.

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19

Serpell, Steve. "Networking secure electronic funds transfer at point of sale." Computer Communications 8, no. 1 (February 1985): 3–8. http://dx.doi.org/10.1016/0140-3664(85)90125-2.

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20

MITCHELL, JEREMY. "Electronic funds transfer at point of sale: a consumer viewpoint." Journal of Consumer Studies and Home Economics 12, no. 2 (June 1988): 107–23. http://dx.doi.org/10.1111/j.1470-6431.1988.tb00471.x.

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21

Eckrich, Donald W., James R. Moore, and Vijay Bhasin. "Electronic Funds Transfer Systems: An Empirical Analysis Of User Interests." Journal of Applied Business Research (JABR) 4, no. 1 (October 27, 2011): 173. http://dx.doi.org/10.19030/jabr.v4i1.6458.

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Electronic Funds Transferring Systems have imposed a new dimension on bank marketing decision makers. An industry-wide trend toward greater automation in bank operating systems has not been as favorable received by consumers as first anticipated. Thus, as a first step toward improved decision making in the banking industry, the bank marketing function must be considered. A large innovating Midwestern consumer bank became the first in a 70 mile radius to implement a 24-Hour EFTS service. A total of 1728 users of this EFTS service provided the basis for this research to further explore consumer transaction interests and values attached to select service attributes.

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22

Tison-dualan, Loida, and Frederick Gallegos. "Electronic Funds Transfer: Control Issues in a Cashless, Checkless Society." EDPACS 27, no. 9 (March 2000): 1–7. http://dx.doi.org/10.1201/1079/43255.27.9.20000301/30316.2.

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23

Weber, Ron. "Controls in electronic funds transfer systems: A survey and synthesis." Computers & Security 8, no. 2 (April 1989): 123–37. http://dx.doi.org/10.1016/0167-4048(89)90068-0.

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24

Guldentops, Eric. "Security and Control in Electronic Funds Transfer: The Swift Case." EDPACS 18, no. 10 (April 1991): 1–11. http://dx.doi.org/10.1080/07366989109451237.

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25

Murphy, Daniel P. "Electronic Transfer of Funds: Smart Cards, Internet Banking and Wireless Communications." Journal of Financial Crime 6, no. 1 (March 1998): 26–35. http://dx.doi.org/10.1108/eb025858.

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26

Langdale, John. "Electronic funds transfer and the internationalisation of the banking and finance industry." Geoforum 16, no. 1 (January 1985): 1–13. http://dx.doi.org/10.1016/0016-7185(85)90002-8.

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27

Richards, Roy Martin, and Jan Yestingsmeier. "Risk management — a key to security in the electronic funds transfer system." Computers & Security 5, no. 2 (June 1986): 135–40. http://dx.doi.org/10.1016/0167-4048(86)90136-7.

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28

Chapman, Matthew. "Can a Computer Be Deceived? Dishonesty Offences and Electronic Transfer of Funds." Journal of Criminal Law 64, no. 1 (February 2000): 89–97. http://dx.doi.org/10.1177/002201830006400106.

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29

Staskauskas, M. G. "The formal specification and design of a distributed electronic funds-transfer system." IEEE Transactions on Computers 37, no. 12 (1988): 1515–28. http://dx.doi.org/10.1109/12.9730.

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30

Subbulakshmi, K. "A Study on Impact of E-Commerce on Banking Sector with Reference to HDFC." ComFin Research 10, S1-Jan (January 1, 2022): 17–19. http://dx.doi.org/10.34293/commerce.v10is1-jan.4751.

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Now days, E-Commerce is the major resource with the help of Internet facilities. E-commerce provides the facility to buy and sell the products and services or transfer the funds or the data. These business deals do eitheras Business-to- Business, Business-to- Client, consumer-to-Consumer. HDFC net Banking allows you to perform a wide range of sale from anywhere, any time. With the help of digital banking there is no need to visit the bank for any transactions. E-banking is the operation of E-Commerce used by bank clients for the purpose of Electronic Data Interchange, Fund transfer and E-mail etc. This source is for all retail saving, payment, managed, and Non-Managed individual clients also.

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31

Shain, M. "Security in electronic funds transfer: Message integrity in money transfer and bond settlements through GE information services' global network." Computers & Security 8, no. 3 (May 1989): 209–21. http://dx.doi.org/10.1016/0167-4048(89)90104-1.

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32

Bansal, Ved Prakash. "Growth of E-Commerce and Expanding Profits in India." Journal of Business Management and Information Systems 2, no. 2 (December 31, 2015): 122–29. http://dx.doi.org/10.48001/jbmis.2015.0202011.

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Business transactions through electronic medium conducted over internet is one of the most expanding and profit making market in India. With the expansion of e-commerce, most businesses are making online transactions including trading, on-line buying, on line payments, funds transfer and electronic data exchange. This paper aims to explain the concept of e-commerce, growth and taxation rules governing online transactions and the government policy to promote online business.

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33

Williams, Philip L. "Competitive Aspects of Electronic Funds Transfer Systems: The Emerging Pattern of Point-of-Sale Networks." Australian Economic Review 20, no. 1 (September 1987): 31–38. http://dx.doi.org/10.1111/j.1467-8462.1987.tb00655.x.

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34

Hackett, Jim. "Onboard Electronic Fraud: Piracy in the Twenty-First Century?" Air and Space Law 36, Issue 6 (December 1, 2011): 453–76. http://dx.doi.org/10.54648/aila2011042.

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Internet access is available on some international flights; this will become more commonplace in the future. Internet frauds abound. Already, most personal banking is performed using the Internet; it is easy to transfer funds from one account to another, including from a personal or trust account to that of a fraudster. For example, if a trustee who is both an Australian citizen and a Hong Kong permanent resident, on board an aircraft (Cathay Pacific, Virgin Atlantic, or Qantas) in international airspace flying from Hong Kong to Australia, uses a personal computer to access an Australia-based trust account and (while unauthorized) transfers money to a personal account, has the trustee committed any crime for which he/she may be arraigned in any jurisdiction? It will be argued that the answer may be 'no'. What if the trustee is flying Cathay Pacific? This is partly because the law of Hong Kong insists that Hong Kong has jurisdiction over acts committed by persons aboard Hong Kong-registered aircraft yet does not recognize Internet activity of the type indicated above as a crime if the perpetrator is in international airspace. Similarly, if the trustee is on Virgin Atlantic, the United Kingdom claims jurisdiction and holds that no crime has been committed unless a trust fund based in the home country has been plundered. However, the (Australian) Criminal Code 1995 (Cth) (hereinafter 'the Code') appears to forbid the type of fund transfer mentioned (whether the trustee is on Cathay Pacific, Virgin Atlantic, or Qantas); it thus seems at first blush that the trustee has committed a crime in Australia. The problem is that a Commonwealth prosecutor cannot (it is submitted) access the Code, because the Crimes (Aviation) Act 1991 (Cth) (promulgated earlier in time than the Code) effectively states that no non-violent act in which a person engages on an Australia-bound aircraft (Qantas or otherwise) in international airspace after takeoff from a foreign country is a crime. On such a flight, the Code is inapplicable. The maxim generalia specialibus non derogant is relevant. One solution is that concerned States should draft and sign a treaty that puts national law to one side to ensure that modern-day pirates (such as the errant trustee) are nowhere safe. Similar treaties are already in force to deal with high-seas pirates and aircraft hijackers; the meaning of piracy requires expansion in the twenty-first century.

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John, Nwani Jemima, Nwaimo Chilaka Emmanuel, Kanu Success Ikechi, and Chinonso Karen Eke. "Cashless Policy and the Nigerian Payment System." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 5, no. 6 (2020): 7–28. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.56.2001.

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Before the introduction of the cashless policy by the Central Bank of Nigeria in 2011, the Nigerian economy was heavily cash-oriented in its transaction of goods and services contrary to the global trends. With the aid of paired data samples between 2007 and 2017, this study evaluates the impact of cashless policy on the Nigerian payment system. The operations of a cashless economy were assessed based on the use of Cheques, funds transfer channels and Automated Teller Machines (ATMs). Analysis of data showed that the volume and usage of cheques as a means of financial settlement has failed and was partially replaced by electronic payment systems. Banks are getting more involved in the use of interbank fund transfers rather than a cash settlement. It was also ascertained that the use of ATM’s as a means of financial intermediation is increasing. It is anticipated that the use of ATMs will become even more popular in Nigeria in the near future. To some extent, the outcome of the study has justified the implementation of the cashless policy initiative in Nigeria. However, the innovation and operations of the policy are not without its related limitations. There are various challenges associated with its practice, ranging from poor infrastructural facilities and difficulty in imbibing the e-payment culture due to illiteracy. Other socio-cultural factors that constitute an impediment include celebrations like weddings, birthdays and festivals. On such occasions, Nigerians prefer to ”display or spray raw cash’’ rather than issuing cheques. Thus, more effort needs to be put in place by the regulatory authority to re-orientate the masses and to encourage the use of E–payments channels, cheques, funds transfer options and, owning/ operating of bank accounts. This will give a further boost to the development of the Nigerian payment system.

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36

Nalyanya, Jacinta, Joshua Olang’o Abuya, and Arnety Nangila Makokha. "Electronic Funds Transfer and Service Delivery in Saccos: A Case Study of Ng’arisha Sacco, Bungoma Kenya." Journal of Accounting, Business and Finance Research 12, no. 2 (2021): 53–63. http://dx.doi.org/10.20448/2002.122.53.63.

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37

Gutwirth, Serge, and Tony Joris. "Electronic Funds Transfer and the Consumer: The “Soft Law” Approach in the European Community and Australia." International and Comparative Law Quarterly 40, no. 2 (April 1991): 265–301. http://dx.doi.org/10.1093/iclqaj/40.2.265.

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38

Chvankin, S. A. "The use of electronic evidence in civil cases, arising from loan agreements, concluded in electronic form." Uzhhorod National University Herald. Series: Law, no. 63 (August 9, 2021): 165–70. http://dx.doi.org/10.24144/2307-3322.2021.63.29.

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This scientific article based on the analysis of case law, examines the theoretical and practical aspects of the use of electronic evidence in cases arising from loan agreements concluded in electronic form. Emphasis is placed on process of judicial proving in the most common categories of cases in judicial practice: in civil cases of debt collection under a loan agreement and cases on recognition of such agreements as invalid or unconcluded. The range of legally significant circumstances that are included in the subject of proof in cases of debt collection under a loan agreement is determined. The range of court evidence used in judicial practice to prove to the court the presence or absence of the circumstances of the subject of evidence in these cases is outlined. There is a relationship between the facts of the subject of proof, and the need to study and evaluate court evidence that confirms the fact of concluding a loan agreement only in conjunction with evidence that confirms the transfer of funds to the borrower. It is proved that the fact of concluding a loan agreement cannot be established by a court without establishing the fact of transferring funds to the borrower. There is a contradiction between the provisions of the Law of Ukraine «On Electronic Commerce» and the provisions of the Civil Procedure Code of Ukraine on the classification of evidence submitted in electronic form and/or in the form of paper copies of electronic communications related to electronic transactions, written or electronic evidence, and a method for resolving this contradiction is proposed. It is emphasized the importance for the court to pay special attention to the means of identification of the parties to the electronic transaction to determine the appropriate parties in resolving cases arising from loan agreements concluded through information and telecommunications systems. The conclusion is made about the possibility of procedural complicity on the part of the defendant if in the course of the trial was established that the loan was issued to one person, and the funds under the contract were transferred by the financial institution to another person's bank account.

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39

이병렬. "A Study on the Errors' Effect in Electronic Funds Transfer System of America - comparative America and korea -." Journal of International Trade & Commerce 8, no. 2 (June 2012): 1–23. http://dx.doi.org/10.16980/jitc.8.2.201206.1.

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40

Duran Vinazco, Ricardo. "Aproximación al tratamiento jurídico de las Transferencias Electrónicas de Fondos, –TEF– (Electronic Funds Transfer –ETF–) en Colombia." Verba luris, no. 34 (December 1, 2015): 91. http://dx.doi.org/10.18041/0121-3474/verbaiuris.34.18.

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El tratamiento del derecho colombiano –ley, jurisprudencia y doctrina- a las TEF es incipiente y poco sistematizado, es decir, no existe un tratamiento jurídico organizado. El principio de la autonomía privada de la voluntad será el mecanismo de regulación. No obstante, paulatina y principalmente por las tendencias de regulación a nivel global y desde los productores de la tecnología, dada su importancia desde el punto de vista económico en el Sistema de Pagos de cada Estado, se ha venido dando un desarrollo que se ve reflejado de manera dispersa pero que se puede ir organizando como se verá en el presente escrito. 1.- Primero se ubicará a las TEF en el contexto económico del sistema de pagos, como instrumento de pago y operación activa o de crédito de las instituciones financieras y en relación con la Nova Lex Mercatoria, para luego 2.- y en segundo lugar, conceptualizar y relacionarlas con otras temáticas electrónicas y aproximarse por último 3.- a la descripción del tratamiento en el derecho colombiano de las mismas, que son las tres partes en que está dividido el artículo.

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41

Wang, Dongmei, and Guangqin Li. "The Best Decision for E-Commerce Funds Transfer Based on Cloud Computing Technique." Mathematical Problems in Engineering 2022 (May 25, 2022): 1–11. http://dx.doi.org/10.1155/2022/9432413.

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Cloud computing offers an efficient, scalable, and flexible platform; through techniques and methods proven by it, many complex projects were successfully carried out. It provides consumers the opportunity to interact with previously unknown ease to measure sources and connections to IT-managed services. Online shopping has been considered as one of the commonly used channels for easy shopping in the Internet world and becomes a convenient way to search for products from various places and to make the operation quicker. The digital economy is powered by high-speed Internet connectivity launched by IT as a practical platform for interaction between online shopping and organizations. The platforms for e-commerce have led to extensive international access by local consumers to goods and services. E-commerce has improved productivity in enterprises and has added to the economies in the countries of the business industry. However, e-commerce security is the primary concern to protect details from electronic theft such as credit card or debit card fraud, retailer, or bank leakage of details while a card is not used for purchases online. In this paper, Cloud Computing-Based Multilevel Decision Support System (CCMDSS) has been proposed for secure fund transfer in the e-commerce platform. Furthermore, this study utilizes cryptography techniques and multiple networks to safeguard the security of information and decrease the systematic risks. The experimental results show that the proposed method enhances the efficiency and feasibility and secures the information while transferring the money. Compared with other models, Prediction Ratio validation has a significant improvement, and the error rate is greatly reduced, only 5.99%. Multiple data prove that the comprehensive performance of CCMDSS model ranks among the top among existing models.

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42

Chepkutwo, Lawrence Kipchumba, and Nasieku Tabitha Nasieku. "Impact of Electronic Banking Transactions on the Volume of Trade of Commercial Banks in Kenya." International Journal of Finance 7, no. 5 (October 20, 2022): 41–52. http://dx.doi.org/10.47941/ijf.1074.

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Purpose: Electronic banking is a mechanism that enables a financial institution's clients to conduct a number of financial transactions via an electronic device such as a cell phone or a personal digital assistant. Electronic banking refers to the provision of banking and financial services through electronic devices over a network. Commercial banks have been at the forefront of embracing and assimilating electronic fund transfer technology into their core tasks in order to achieve competitive advantages and manage their overhead operating costs. The purpose of this study was to determine the impact of electronic banking transactions on the volume of trade of commercial banks in Kenya. The research was guided by the following specific objectives: To determine the impact of mobile banking transactions on the volume of trade of commercial banks in Kenya; To determine the impact of Automated teller Machines transactions on the volume of trade of commercial banks in Kenya; To ascertain the impact of electronic fund transfers on the volume of trade of commercial banks in Kenya; To ascertain the impact of online/internet banking activities on the volume of trade of commercial banks in Kenya. Theories are reviewed in this section which will direct the study. It comprises of the theories leading the performance of commercial banks in their operations and precisely in the field of Electronic banking. The section evaluates the financial intermediation theory in particular which deals with the main function of financial institutions which is intermediating between the surplus and the deficit units for sustained economic development. It also reviews the classical economics theory which holds that for a business to make returns, it has to obey the modern economics. Methodology: Simple random sampling method was used in this research. 10 representative banks were obtained from a population of 42 banks listed by the central bank of Kenya. In essence the method of statistical enumeration allows all members of the population to be studied. A population refers to the set of all observations under concern. A descriptive research design was used. The design allows us, according to Best et al (2003), to capture all relevant aspects of a situation when hiring a research and investigation team. Similarly, Namusonge (2010) states that this approach is best suited to gather detailed information where, by direct request, the researcher will reach all the population. Data for this case was majorly quantitative since it is readily available from the bank records for example the financial statements, publications, transactions. Secondary data is easy model of extracting data especially for quantitative research and this prompted the researcher to utilize it as the immediate tool for data collection. Panel data analysis was applied. This was done using the E-views panel data software. Findings: The results showed that there was a partial positive and statistically significant correlation between volume of banks trade and Mobile banking transactions (r= 2.854, p=0.000), Automatic Teller Machines (r=2.314, p=0.000) and usage of internet banking transactions (r=2.442, p=0.000). However, findings also revealed that electronic funds transfer (r=-0.5075, p= 0.000) has no significant influence on banks volume of trade. The null hypothesis Ho1: Mobile banking transactions has no significant influence banks volume of trade was rejected. The null hypothesis HO2: Automatic Teller Machines transactions have no significant influence on the banks volume of trade was rejected. The null hypothesis HO3: electronic funds transfer has no significant influence on banks volume of trade was true and thus was not rejected. Similarly, Null hypothesis HO4: internet banking transactions do not have a significant influence on project performance was not true and thus rejected. Unique Contribution to Theory and Practice: The findings of this study will be absolutely relevant to the stakeholders in the banking industry, government regulatory authorities and monetary policy frameworks implementation and monitoring. Banking institutions as well can be able to make decisions on the key areas they will need to improve transactions by customers in order to boost the volume of trade.

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Purwariska, Rina. "PERLINDUNGAN NASABAH PENGGUNA JASA TRANSFER DANA ELEKTRONIK." LAW REFORM 1, no. 2 (February 1, 2006): 1. http://dx.doi.org/10.14710/lr.v1i2.12189.

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Tujuan dari kajian ini adalah untuk mengetahui hubungan hukum antara bank sebagai pemberi jasa pelayanan Electronic Funds Transfer dengan nasabahnya, dan faktor-faktor yang mempengaruhi perlindungan hukum serta kendala-kendala dalam memberikan perlindungan hukum terhadap nasabah bank. Metode pendekatan adalah yuridis normatif dengan menggunakan data sekunder yang dikumpulkan melalui studi kepustakaan dan data primer. Pengambilan sampel dilakukan dengan metode purposive sampling. Spesifikasi penelitiannya bersifat deskriptif analitis, sedangkan analisis data dilakukan secara analisa kualitatif. Hubungan hukum antara bank dengan nasabah didasarkan pada perjanjian baku yang formatnya telah dibuat sepihak oleh bank, sehingga dalam pelaksanaannya hanya berpihak pada bank saja, karena bank selalu menerapkan prudential banking. Faktor-faktor yang mempengaruhi perlindungan hukum terhadap nasabah bank terjadi karena faktor bank itu sendiri serta para pihak yang terkait yaitu Bank Indonesia dan juga Lembaga Perlindungan Konsumen. Sedangkan kendala-kendala yang mempengaruhi perlindungan hukum terhadap konsumen selaku nasabah bank terjadi karena faktor konsumen itu sendiri selaku nasabah dan juga dari pelaku usaha dalam hal ini adalah bank. Dalam kondisi yang demikian bank belum memberikan perlindungan hukum yang maksimal terhadap nasabah.Kata Kunci : Perlindungan Hukum Nasabah, Transfer Dana Elektronik

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Mackenzie, Robin. "Virtual Money, Vanishing Law: Dematerialisation in Electronic Funds Transfer, Financial Wrongs and Doctrinal Makeshifts in English Legal Structures." Journal of Money Laundering Control 2, no. 1 (March 1998): 22–32. http://dx.doi.org/10.1108/eb027167.

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Yudin, Oleksandr, and Oleksii Skitsko. "Topical Issues of Implementing E-Hrivnia." Information Security of the Person, Society and State, no. 31-33 (December 20, 2021): 105–10. http://dx.doi.org/10.51369/2707-7276-2021-(1-3)-12.

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At the present stage of society development, the topical issues are changing the standards of economic relations and accelerating the development of the digital economy. The mechanisms for the implementation of banking payment systems are undergoing significant changes. In a number of states, pilot projects for the emission of digital state currencies are now in test mode. Experts are studying the problems of issuing digital money, and macroeconomic regulators are beginning to evaluate both positive expectations and negative results of using digital and information technologies when creating a new type of funds. It was concluded that the release of e-hryvnia into circulation, on the one hand, will make it possible to speed up and simplify the transfer of funds between the owners of electronic wallets, to increase the level of comfort in carrying out these operations, however, on the other hand, an increase in the number of cybercrimes should be expected, especially considering the lack of proper regulation of special legislative framework. The development of the national digital currency is a natural result of the digital society development, the growing influence of social platforms as well as the state's policy on creating a digital economy. One of the significant positive consequences of the development and implementation of the digital hryvnia is a decrease in the number of intermediaries in the implementation of cash payments, up to the complete exclusion of banking structures responsible for the transfer and processing of personal data, which leads to a decrease in costs, as well as to an increase in the speed of funds transfers, stabilization of the entire financial system and economic security of the country as a whole. The introduction of the concept of e-hryvnia will contribute to the formation of a highly developed technological society in Ukraine, as well as to the financial and technological integration of the general population. Cash tokenization is the next phase of digital transformation.

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Gusti, Girang Permata. "IS THERE ANY IMPACT OF ELECTRONIC MONEY TO INCREASE KNOWLEDGE OF FINANCIAL LITERACY?: IN THE PANDEMIC SITUATION OF COVID-19 IN PONTIANAK CITY." Malaysian E Commerce Journal 4, no. 2 (August 25, 2020): 48–53. http://dx.doi.org/10.26480/mecj.02.2020.48.53.

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This study aims to determine the impact of the use of electronic money on financial literacy, during the COVID-19 pandemic in Pontianak. This study has a sample of 137 respondents selected through simple random sampling technique. This study uses a simple linear regression method, with SPSS 23 software analysis tools. The benefits of electronic money not only function as payment by the transfer method, but many other functions can be used, such as buying mutual funds, paying installments or credit, paying electricity, water, and telephone. Electronic money can now also be used as savings for foreign currencies such as the Japanese Yen, American Dollars, and British Pounds. With an electronic money, we can also change it in the form of savings deposits, without having to queue in the bank. The results of the study concluded that electronic money has a positive and significant effect on financial literacy, in the pandemic situation of COVID- 19 in Pontianak City.

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Cadenhead, Jennifer W., Julia E. McCarthy, Thanh Thanh T. Nguyen, Michelle Rodriguez, and Pamela A. Koch. "Qualitative Study of Participation Facilitators and Barriers for Emergency School Meals and Pandemic Electronic Benefits (P-EBT) in an Urban Setting during COVID-19." Nutrients 14, no. 16 (August 16, 2022): 3358. http://dx.doi.org/10.3390/nu14163358.

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During the COVID-19 pandemic, significantly fewer of New York City’s (NYC’s) 1.1 million public school children participated in emergency grab-and-go meals—heightening the risk of inadequate nutrition security for many of NYC’s most vulnerable residents. This study sought to examine student families’ facilitators and barriers to participation in the grab-and-go meal service and their experiences with pandemic-electronic benefit transfer (P-EBT) funds, a cash benefit distributed when schools were closed. We recruited 126 parents of children in NYC public schools who had participated in the grab-and-go service. Using opened-ended questions, we interviewed 101 parents in 25 1-h online focus groups. We identified four main themes which broadly impacted school meal participation: communication, logistics, meal appeal, and personal circumstances. Key facilitating subthemes included clear communication, ease of accessing sites, and high variety. Key sub-themes negatively impacting participation included limited communication and low meal variety. Accurate, timely communication; easily accessible distribution locations; and convenient distribution times could have increased participation and satisfaction. For P-EBT, parents welcomed the funds and used them readily, but some experienced difficulties obtaining payments. The simultaneous inclusion of community-based research in the evaluation of emergency feeding programs could improve future outcomes for school meal participation and electronic benefits.

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Rezaiee, Ali Mohammad, and Abbas Karimi. "A New Dynamic Intelligent Model to Determine Reliability and Trust of Online Banking by Using Fuzzy C-Mean." Indonesian Journal of Electrical Engineering and Computer Science 4, no. 3 (December 1, 2016): 605. http://dx.doi.org/10.11591/ijeecs.v4.i3.pp605-610.

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<p>The main purpose of the present study presents a new model of smart dynamically determine the validity and reliability survey of Internet users bank is using Fuzzy C-Mean model. In other words, the aim of this study is to provide a smart system to determine the behavior of Internet users bank is confidence, so that we can fit the points by the customer, providing banking services to defined limits. In terms of method, a descriptive and exploratory data mining is in use. The method of research was descriptive survey and the use of data mining, exploration. The aim of this study is applied. The survey of methods for qualitative and quantitative data. Since the data of the Agricultural Bank documents (bills of transfer, transfer funds transfers, the number of IT users, foundations, etc.) were collected and interviews with experts in the field of electronic banking Agricultural Bank, Agricultural Bank branch target population for were randomly selected. The results showed that the diagnostic accuracy provided structure to determine the acceptable level of confidence in Internet banking is user behavior.</p>

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Nimbalkar, Atul Arun, and Nachiket Deodhar. "A Study of E-Services of Bank with Special Reference to Private Banks, Ahmednagar." International Research Journal of Management, IT & Social Sciences 2, no. 11 (November 1, 2015): 22. http://dx.doi.org/10.21744/irjmis.v2i11.78.

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E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking also known as EFT (electronic Fund Transfer) means transfer amount online from one account to another account rather by using physical cheque. Information technology has taken important place in the future development of financial service, specially banking sector transaction are affected more than any other financial provider groups. Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but its growing use without awareness has also attracted many crimes and frauds. Through this paper, it is tried tom discuss about growth of E-banking along with growing challenges of risk & Insecurity. Emphasis is given on awareness to be given to E-banking users and establishment of more security measures to avoid chances of misappropriation of funds and cybercrimes. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses some challenges in an emerging economy and benefits of E-banking.

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Hariyati, Tri, Bambang Eka Purnama, and Sukadi Sukadi. "ANALISIS DAN PERANCANGAN ECOMMERCE PADA BATIK TULIS TENGAH SAWAH NGADIROJO." JURNAL TEKNOLOGI INFORMASI DAN KOMUNIKASI 9, no. 1 (March 5, 2018): 49–54. http://dx.doi.org/10.51903/jtikp.v9i1.169.

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Abstract Electronic Commerce is defined as the process of buying and selling of products, services and information that will be conducted electronically by using computer network. E-Commerce can involve electronic funds transfer, electronic data interchange, automated inventory management systems, and automated data collection systems. Batik tulis Tengah Sawah Ngadirojo to date in the marketing and sales process is still conventional. The purpose of this study was to analyze the sales system is running and doing the design of e-commerce in the Batik Tulis Tengah Sawah located in Ngadirjo. The method used is to provide an overview of e-commerce to the Batik Tulis Tengah Sawah Ngadirojo. Based on these issues, then made the design of e-commerce in the Batik Tulis Tengah Sawah Ngadirojo and is expected to help consumers to find out the availability of existing products without having to visit a workshop. With the design of ecommerce is that consumers can make purchases online and payment products made through bank transfer. Addition was made to expand the marketing and sales of products, e-commerce is expected to improve the quality of service to consumers.

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Journal articles on the topic 'Electronic funds transfer'

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