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Siahaan, Revi Angeli, and Riyanthi Angrainy Sianturi. "Analisis Perbandingan Payment Gateway untuk Sistem Pembayaran Berbasis Aplikasi dengan Comparative Study." Jurnal Teknologi Informasi dan Ilmu Komputer 11, no. 2 (2024): 291–96. http://dx.doi.org/10.25126/jtiik.20241127680.
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Payment gateway adalah sebuah cara dalam melakukan proses transaksi pembayaran elektronik. Proses pada payment gateway memberikan kecepatan transaksi yang memudahkan pemilik bisnis maupun customer. Terdapat banyak payment gateway yang dikembangkan dan digunakan di Indonesia. Oleh karena itu, dibutuhkan eksplorasi payment gateway untuk memudahkan pemilihan payment gateway sesuai jenis usaha. Penelitian ini berfokus pada analisis perbandingan payment gateway. Analisis perbandingan ini dilakukan dengan comparative study yang diawali dengan memilih topik dan mendefinisikan tujuan. Tahap selanjutnya adalah peninjauan literatur, memilih entitas yang akan dibandingkan, mengidentifikasi indikator perbandingan dan dilakukan perbandingan terhadap payment gateway. Hasil perbandingan ini kemudian diinterpretasikan dan dibuat kesimpulan. Hasil penelitian ini menyatakan bisnis UMKM dapat menggunakan Finpay, iPaymu dan Duitmu. e-commerce dapat menggunakan Finpay, Midtrans, Doku, iPaymu, iPay88, Faspay, Xendit, serta Duitku. Startup dapat menggunakan Finpay, Midtrans, iPaymu dan Xendit. Travel dan perhotelan dapat menggunakan Finpay, Midtrans, Doku, iPay88, Faspay dan Prismalink. Bisnis retail dapat menggunakan Midtrans, iPaymu, iPay88, Faspay, Winpay dan Prismalink. Abstract A payment gateway is a method for conducting electronic payment transactions. The process within the payment gateway facilitates transaction speed, benefiting both business owners and customers. There are numerous payment gateways developed and used in Indonesia. Therefore, an exploration of payment gateways is necessary to facilitate the selection of a suitable payment gateway according to the type of business. This research focuses on the comparative analysis of payment gateways. This comparative analysis is conducted through a comparative study that begins with selecting a topic and defining objectives. The next stage involves a review of literature, selecting entities for comparison, identifying comparison indicators, and performing comparisons among payment gateways. The results of these comparisons are then interpreted and conclusions are drawn. The findings of this research state that SMEs can utilize Finpay, iPaymu, and Duitmu. E-commerce can use Finpay, Midtrans, Doku, iPaymu, iPay88, Faspay, Xendit, and Duitku. Startups can use Finpay, Midtrans, iPaymu, and Xendit. Travel and hospitality industries can employ Finpay, Midtrans, Doku, iPay88, Faspay, and Prismalink. Retail businesses can opt for Midtrans, iPaymu, iPay88, Faspay, Winpay, and Prismalink.
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Kyaw, Zay Oo. "Design and Implementation of Electronic Payment Gateway for Secure Online Payment System." International Journal of Trend in Scientific Research and Development 3, no. 5 (2019): 1329–34. https://doi.org/10.5281/zenodo.3590719.
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In e commerce, main problem is to be more secure for payment systems and disputation between online merchant and customer. To solve this problem, this paper presents design and implementation of Electronics Payment Gateway for online payment system. In this system, a customer's financial information credit or debit card information is sent directly to a Payment Gateway also called Trusted Third Party, TTP instead of sending it through an online merchant. The Payment Gateway can support more secure for online payment system. In this system, Secure Socket Layer SSL with Rivest-Shamir-Adleman RSA is used to enhance more secure connection in payment process. In secure online payment system, end to end encryption is required to maintain the integrity of transactions carried out online. RSA is more secure because its factors are large integers and key size is large, which increases the security. The electronic payment gateway provides the confidentiality by using RSA for online payment transactions and trusted third party to recover the disputation between online merchant and customer. Kyaw Zay Oo "Design and Implementation of Electronic Payment Gateway for Secure Online Payment System" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd26635.pdf
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Hassan, Md Arif, Zarina Shukur, and Mohammad Kamrul Hasan. "An Efficient Secure Electronic Payment System for E-Commerce." Computers 9, no. 3 (2020): 66. http://dx.doi.org/10.3390/computers9030066.
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E-commerce implies an electronic purchasing and marketing process online by using typical Web browsers. As e-commerce is quickly developing on the planet, particularly in recent years, many areas of life are affected, particularly the improvement in how individuals regulate themselves non-financially and financially in different transactions. In electronic payment or e-commerce payment, the gateway is a major component of the structure to assure that such exchanges occur without disputes, while maintaining the common security over such systems. Most Internet payment gateways in e-commerce provide monetary information to customers using trusted third parties directly to a payment gateway. Nonetheless, it is recognized that the cloud Web server is not considered a protected entity. This article aims to develop an efficient and secure electronic payment protocol for e-commerce where consumers can immediately connect with the merchant properly. Interestingly, the proposed system does not require the customer to input his/her identity in the merchant’s website even though the customer can hide his/her identity and make a temporary identity to perform the service. It has been found that our protocol has much improved security effectiveness in terms of confidentiality, integrity, non-repudiation, anonymity availability, authentication, and authorization.
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Nurdian, Firman Dwi, Mochamad Alfan Rosid, Ika Ratna Indra Astutik, and Cindy Taurusta. "Web-Based System for Digital Product Sales Using RAD and Midtrans." JICTE (Journal of Information and Computer Technology Education) 6, no. 2 (2022): 41–50. https://doi.org/10.21070/jicte.v6i2.1643.
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Digital products are products or goods that do not have a physical form (digital) and transactions occur on electronic media. Digital product sellers often offer their products through social media group platforms by applying payments that are still manually transferred to the seller's account. In improving sales transaction services to buyers. So this research aims to apply the payment gateway from Midtrans to the system that has been created. This research uses the Rapid Application Development (RAD) method which has several stages, namely requirements planning, system design, development and implementation. This system has also been tested using blackbox testing to check its functionality by getting successful results with an average value of 100% and user response testing by getting an average value of 93.33%, from the percentage results that show in the Very Good category. The result of this research is the implementation of payment gateway on digital product sales information system with RAD method. Highlights: Efficient Transactions: Implementing the Midtrans payment gateway streamlines payment processes, offering secure and versatile methods. User-Friendly Design: The RAD methodology ensures quick, incremental development, enhancing usability for both admin and users. Reliable System Testing: Achieved 100% functionality success through blackbox testing, proving system readiness and robustness. Keywords: Payment Gateway, Midtrans, Digital Product, Rapid Application Development (RAD)
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Habibullah, Yusril, Aris Sudianto, and Bq Andriska Candra Permana. "Aplikasi Toko Online dengan Penerapan Sistem Payment Gateway untuk Transaksi Pembayaran Berbasis Web." Jurnal PRINTER: Jurnal Pengembangan Rekayasa Informatika dan Komputer 1, no. 2 (2023): 103–17. https://doi.org/10.29408/jprinter.v1i2.22122.
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The development of information technology and the internet has changed consumers’ behavior in buying and selling transactions. This causes the online buying and selling business to grow rapidly. We can find this online buying and selling activity in various media such as social media platforms and online shop websites. However, most of the payment systems are though bank transfer system and then confirmation of proof of payment, which is arguably not safe and efficient. This is impractical and vulnerable from a security point of view, especially if payments are made online. Therefore, this study aims to design a web-based online store application by implementing a payment gateway system for safer and more efficient payment transactions. The method used in this study is the waterfall method with the stages of needs analysis, design, implementation, testing and maintenance. The result of this study is the design of an online store application that has been equipped with online payment services using the Midtrans payment gateway. This system provides transaction security for customers and can make it easier for buyers to make online payments when placing orders for products because with the payment gateway system, there are more choices of payment methods, including credit cards, bank transfers, electronic wallets (GoPay), or Indomaret and Alfamart, and many more. In addition, this research is also expected to contribute to online buying and selling businesses, especially the development of better online shop applications and provide inspiration for the public to start innovate in promoting their business products.
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Sudianto, Aris, Baiq Andriska Candra Permana, Muhammad Wasil, and Harianto. "Penerapan Sistem Payment Gateway Pada E-Commerce Sebagai Upaya Peningkatan Penjualan." Infotek: Jurnal Informatika dan Teknologi 8, no. 1 (2025): 271–79. https://doi.org/10.29408/jit.v8i1.28323.
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The development of information technology and the internet has changed consumers’ behavior in buying and selling transactions. This causes the online buying and selling business to grow rapidly. We can find this online buying and selling activity in various media such as social media platforms and online shop websites. However, most of the payment systems are though bank transfer system and then confirmation of proof of payment, which is arguably not safe and efficient. This is impractical and vulnerable from a security point of view, especially if payments are made online. Therefore, this study aims to design a web-based online store application by implementing a payment gateway system for safer and more efficient payment transactions. The method used in this study is the waterfall method with the stages of needs analysis, design, implementation, testing and maintenance. The result of this study is the design of an online store application that has been equipped with online payment services using the Midtrans payment gateway. This system provides transaction security for customers and can make it easier for buyers to make online payments when placing orders for products because with the payment gateway system, there are more choices of payment methods, including credit cards, bank transfers, electronic wallets (GoPay), or Indomaret and Alfamart, and many more. In addition, this research is also expected to contribute to online buying and selling businesses, especially the development of better online shop applications and provide inspiration for the public to start innovate in promoting their business products.
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S.Karunakaran, A.Sivakumar, J.Balaji, D.Kumaresan, and D.Muralidhar. "Trends and Challenges in Adoption of E-Payment Services in India." International Journal of Engineering and Advanced Technology (IJEAT) 9, no. 4 (2020): 1048–54. https://doi.org/10.35940/ijeat.D7815.049420.
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Electronic payment services are vastly growing market around the world due to its convenience and quickness. After demonetization in India during 2016, the proliferation payment systems reached the peak with in-house service providers and global operators explore here. The proposed analysis work focus on creating conscious about different factors related to e-Payment Systems with its cons, objections and security features. The historical data and referent have been taken out in order to acquire essential data about electronic payments systems. This study on outlook of e-payment systems was carried out following search of several research directions on digital payment services. As there are multiple service providers, the digital vision will be fully utilized only by raising awareness among people and society with the huge popularity of internet and technology. To realize their success parameters, it is vital to examine the strategies of general consumers, cyber merchants, network managers, banks and other public sector organizations. Disappointed experiences may lead to establishment of a new payment system. Our results highlight straight forward explanations of the success factors of electronic payment services in India based on variety of features. The study also reveals the popularity of e-payment services in India on various criteria.
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Khanin, I. H., and Y. O. Sopin. "Electronic Payment Systems: Operation Peculiarities and Economic Efficiency Assessment." PROBLEMS OF ECONOMY 4, no. 50 (2021): 173–80. http://dx.doi.org/10.32983/2222-0712-2021-4-173-180.
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The PayTech sector, which is transforming payment methods, has become one of FinTech's largest segments. Electronic payment systems (EPS) are developing actively and acquiring certain specific features, which are important for their creation and refinement. The achievement and maintenance of the EPS economic efficiency is the fundamental prerequisite for their sustainable development, which fact is especially important for payment services providers. The article is aimed at clarifying the nature and structure of EPS, and singling out the features of their functioning and the basis for assessing their economic efficiency. The impact of the electronic payment development on the quality of goods-money relations and economic exchange is analyzed, and the process of forming a new payment mechanism in the markets is described. The most common payment methods in the B2B and B2C segments are considered, namely the automated clearing house, cash, checks, credit card, debit card, commercial credit card, and contactless payments. The essence and features of the electronic payment systems classification are specified. It is substantiated that they form the development basis for various FinTech areas. The functions of electronic payment systems are analyzed, and based on these functions the systems are considered as part of the payment infrastructure (functions of service, transfer, information, control, information and protection, organization). The main elements of an electronic payment system, the main blocks responsible for its functional implementation, and services for non-cash electronic payments are analyzed. The emergence of the electronic payment services market is substantiated. The roles of the new participants in this market are defined, which are the payment processor and payment gateway. The technological model of an electronic payment transaction is presented, which is transaction data processing and subsequent data exchange between the participants of this transaction within the payment system. The necessity of creating a new legal framework on payment services provision is substantiated. The issues and bases of the economic efficiency assessment in the field of electronic payment services are considered.
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Ran, Yi Jun, and Ying Xiao. "Exploration and Implementation of Unified Payment with the Telecom-Based E-Lottery System." Applied Mechanics and Materials 556-562 (May 2014): 6803–6. http://dx.doi.org/10.4028/www.scientific.net/amm.556-562.6803.
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With the wide application of the fixed telephone services and the increasing demand from enterprises and institutions, based on the unified payment platform to purchase an electronic lottery system, a system which is based on browser/server structure, developed modelling on the MVC (Model - View - Controller) design pattern, and is mainly based on the design and development of a unified payment platform, unified payment that falls into such categories as business management, payment engine, the three-channel gateway, in the form of various functional components of an abstract package and through the process engineering series for each function processing chain. Abstract business differences in parametric configuration, defined business processes through product configuration, in a unified channel gateways for different formats, different standards for each channel to send and receive packets processed. Under the unified payment System developed web payment lottery, fixed telephone payment lottery, data acquisition synchronization summary, and simulation billing functions.
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Belal, Ayyoub, Zahran Bilal, A. Nisirat Mahdi, M. S. Al-Taweel Farouq, and Al Khawaldah Mohammad. "A proposed cloud-based billers hub using secured e-payments system." TELKOMNIKA Telecommunication, Computing, Electronics and Control 19, no. 1 (2021): pp. 339~348. https://doi.org/10.12928/TELKOMNIKA.v19i1.15879.
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Automation of several payment processes from start to end is a challenging task, particularly when multiple payments from online and offline billers are involved. In this paper, we introduced a new aggregator system to combine all billing system types, in which it is possible to pay invoices electronically. The proposed aggregator system was designed to be employed in a cloud-based billers hub (CBBH) developed by the central banks. Furthermore, many applications can be realized such as; deposit e-money, withdrawal e-money, and other applications. A Gateway translator is used to apply authentication rules, security, and privacy. The proposed system was employed in the Jordanian payment gateway and successfully fulfills its purpose.
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Ayu Hapsari, Recca, Bambang Hartono, and Yana Listiyani. "Dispute Settlement Analysis and Refused Claims in Payment Gateway Transactions on Paypal Indonesia." Lambung Mangkurat Law Journal 6, no. 2 (2021): 199–212. http://dx.doi.org/10.32801/lamlaj.v6i2.262.
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In transactions using Paypal, of course, there are many reasons for the risk of disputes occurring, ranging from delays in delivery, damaged goods, and transactions without authorization. The problem will be different when they carry out business transactions in different regions of the country and they have different nationalities. The research method uses a normative and empirical juridical approach, a normative juridical approach is carried out by studying legal norms or rules, while the empirical approach is carried out by direct interviews with sources who will relate to research problems, the data analysis used is qualitative. In trading transactions via the internet, trade is generally carried out by people who are located and subject to different countries and jurisdictionsThe legal relationship between Payment Gateway Users and Payment Gateway Providers At Fintech Paypal Indonesia is where the parties involved in the electronic payment system include consumers, business actors, acquirers, issuers and payment gateway providers. legal relationships that arise between consumers, business actors, acquirers, issuers and payment gateway operators are born from agreements made by the parties. Dispute Resolution and Chargeback Claims in Payment Gateway Transaction activities on Paypal Fintech where the paypal system provides services can communicate directly with the seller by opening a dispute at the Paypal Dispute Settlement Center. if it is not completed in following the policies provided by paypal services, consumers or business actors can ask for recommendations to mediate to the paypal service center but if they are not finished, business actors and consumers can resolve disputes through litigation, which usually business actors are subject to the applicable law, applies where the consumer is a national.
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Recca Ayu Hapsari, Bambang Hartono, and Yana Listiyani. "DISPUTE SETTLEMENT ANALYSIS AND REFUSED CLAIMS IN PAYMENT GATEWAY TRANSACTIONS ON PAYPAL INDONESIA." Lambung Mangkurat Law Journal 6, no. 2 (2024): 199–212. http://dx.doi.org/10.32801/abc.v6i2.121.
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In transactions using Paypal, of course, there are many reasons for the risk of disputes occurring, ranging from delays in delivery, damaged goods, and transactions without authorization. The problem will be different when they carry out business transactions in different regions of the country and they have different nationalities. The research method uses a normative and empirical juridical approach, a normative juridical approach is carried out by studying legal norms or rules, while the empirical approach is carried out by direct interviews with sources who will relate to research problems, the data analysis used is qualitative. In trading transactions via the internet, trade is generally carried out by people who are located and subject to different countries and jurisdictionsThe legal relationship between Payment Gateway Users and Payment Gateway Providers At Fintech Paypal Indonesia is where the parties involved in the electronic payment system include consumers, business actors, acquirers, issuers and payment gateway providers. legal relationships that arise between consumers, business actors, acquirers, issuers and payment gateway operators are born from agreements made by the parties. Dispute Resolution and Chargeback Claims in Payment Gateway Transaction activities on Paypal Fintech where the paypal system provides services can communicate directly with the seller by opening a dispute at the Paypal Dispute Settlement Center. if it is not completed in following the policies provided by paypal services, consumers or business actors can ask for recommendations to mediate to the paypal service center but if they are not finished, business actors and consumers can resolve disputes through litigation, which usually business actors are subject to the applicable law, applies where the consumer is a national.
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Khamis, Zubeida Abdalla, and Junseok Hwang. "Adoption of Government Electronic Payment Gateway (GePG): Study ofUsers Satisfaction Integrated Concept." International Journal of Advances in Scientific Research and Engineering 11, no. 05 (2025): 01–18. https://doi.org/10.31695/ijasre.2025.5.1.
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Digital transformation has significantly impacted the financial sector by enhancing responsibility, efficiency, and openness, particularly through electronic payment systems. In Tanzania, the Government Electronic Payment Gateway (GePG) aims to expedite public financial operations, enhance revenuecollection, and improve service delivery. This study explores user satisfaction with the adoption and usage of Tanzania’s Government Electronic Payment Gateway (GePG).The study combines three well-known theoretical models (Technology Acceptance Model (TAM), the Unified Theory of Acceptance and Use of Technology (UTAUT), and DeLone & McLean’s IS) to create a framework for evaluating user behaviour, focusing on factors like ease of use, system quality, and external influences on adoption choices.Data were collected from 349 users across four regions of Tanzania using a quantitative survey methodology. Structural equation modelling (SEM) was used for analysis and testing the study hypothesis.The results indicate that users' decision to continue using GePG is notably affected by factors like perceived usefulness, social influence, facilitating conditions, system quality, and information quality. Significantly, perceived usefulness emerged as the main factor, underscoring the role of system efficiency in promoting acceptance. However, the study revealed that continuous usage was not notably affected by perceived ease of use and service quality. Despite the presence of government e-payment systems, the survey shows that users prioritize functional benefits over ease of use.This study fills the existing research gap of examining end-users’ acceptance and satisfaction of GePG. This study presents a validated conceptual model that is applicable to Tanzania and other developing countries, promoting ongoing technology adoption and efficient public service delivery
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Engel, Ventje Jeremias Lewi, Vincentius Albert, and Sinung Suakanto. "Penerapan NFC Untuk Pembayaran Uang Elektronik pada Self-Payment Machine." Jurnal Telematika 12, no. 1 (2017): 33–38. http://dx.doi.org/10.61769/telematika.v12i1.162.
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Consumers nowadays use electronic money for buying and selling at the market. They need easier and faster payment system especially to facilitate the needs in payment on delivery. Therefore, a self-payment machine were designed and implemented with NFC to bring out faster and easier transaction. The system was tested for its functionality, time, and distance between tag and NFC reader. Self-payment machine can communicate with payment gateway, execute transaction, and evaluate tag used for paying. Time average for a transaction is 27.3345 seconds with 4-5 seconds needed for reading and evaluating the tag. Optimal distance between tag and reader is 0-4 cm.Penggunaan uang elektronik sudah menjadi kebutuhan bagi para pelaku transaksi. Konsumen memerlukan sistem pembayaran yang cepat dan mudah terutama untuk memfasilitasi kebutuhan ketika payment on delivery.. Oleh sebab itu, dirancang sebuah self- payment machine yang berbasis NFC untuk dapat mempermudah dan mempercepat transaksi. Sistem yang dibangun diuji secara fungsionalitas, waktu, dan jarak pembacaan tag NFC. Sistem self-payment machine yang dibangun mampu berkomunikasi dengan payment gateway, melakukan transaksi, dan mengevaluasi tag untuk pembayaran. Rata-rata waktu yang diperlukan untuk transaksi adalah 27,3345 dengan pembacaan dan evaluasi tag memerlukan 4-5 detik. Jarak optimal antara tag dengan pembaca NFC adalah 0-4 cm.
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Nurpandi, Finsa, and Diki M. Rosid Liki. "Perancangan dan Pembangunan Aplikasi Electronic Menu Restoran." Media Jurnal Informatika 13, no. 1 (2021): 1. http://dx.doi.org/10.35194/mji.v13i1.1270.
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Electronic Menu or abbreviated as eMenu is an application that designed to improve the performance of service processes in a business sector, especially restaurants. eMenu aims to change thefood ordering service process that was originally traditional using paper, into web-based digital media. Not only handling food ordering services, eMenu also handles almost all business processes in a restaurant such as menu management, managing information on orders received by waiters and chef, payment transactions, to sales reports. To handle payment transaction, eMenu using third party application payment gateway, called Duitku. eMenu is built using Single-Page Application concept that use AJAX calls which allows time efficiency in displaying the required data. By using the Single-Page Application, the browser does not reload the entire requested page but only part of data is displayed dynamically. The Single-Page Application uses Vue.js as Front-end stack, and Laravel to manage Back-end. eMenu application is responsive design, so that user can access via smartphone or desktop computer with properly.
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Djuwitaningrum, Endang Ratnawati, and Ilyas Budi Wahyu Jati. "Implementasi Payment Gateway Midtrans pada Website E-commerce Toko Buah dan Sayur." Jurnal Ilmu Pengetahuan dan Teknologi 9, no. 1 (2025): 19–24. https://doi.org/10.31543/jii.v9i1.390.
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E-commerce merupakan singkatan dari electronic commerce atau perdagangan elektronik, adalah proses jual-beli produk atau layanan secara online. E-commerce telah menjadi salah satu solusi utama dalam transaksi perdagangan modern, memungkinkan konsumen untuk melakukan pembelian secara mudah dan cepat. Penelitian ini bertujuan untuk mengimplementasikan payment gateway Midtrans pada website e-commerce khusus untuk toko buah dan sayur. Dengan pengembangan sistem menggunakan framework Laravel 11 dan MYSQL untuk database, sistem ini dirancang untuk memberikan pengalaman belanja yang lebih baik bagi pengguna. Metode penelitian yang diterapkan adalah Rapid Application Development (RAD), yang memungkinkan pengembangan aplikasi secara cepat dan responsif terhadap kebutuhan pengguna. Hasil dari penelitian ini menunjukkan bahwa integrasi Midtrans sebagai payment gateway berhasil diimplementasikan, sehingga diharapkan dapat meningkatkan efisiensi transaksi serta memberikan rasa aman dan nyaman bagi pelanggan dalam melakukan pembayaran.
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Shadlou, Saeed, Ng Jie Kai, and Abdolreza Hajmoosaei. "Online Payment via PayPal API Case Study Event Registration Management System (ERMS)." International Journal of Web Portals 3, no. 2 (2011): 30–37. http://dx.doi.org/10.4018/jwp.2011040104.
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PayPal is an international payment gateway allowing businesses and individuals to transfer funds in a secure manner over the Internet. Using PayPal to accept payments has several advantages for online merchants. It is a recognized brand when it comes to Business to Consumer (B2C) transactions, creating a business account with PayPal is easier and faster, and finally, PayPal lends its name to the transaction, so customers may feel more comfortable entering into a transaction with a previously unknown merchant. Besides the mentioned advantages, PayPal’s transaction dispute system requires a tracking number from a shipped package to respond to a customer dispute. If the product is purely electronic (a download or access to a site, for example), one’s response to disputes will be quite limited. The solution for the problem mentioned above is PayPal API. The PayPal API resolves Pay Pal drawback through maintaining card and bank account payment schedules without the liability of warehousing payment data also processing one-time and recurring payments. For the evaluation of Pay Pal API, the authors develop an Event Registration Management System (ERMS). ERMS serves as a platform for users to make registrations for events such as conferences, seminars, and workshops.
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Wiyono, Hadi, and Muhammad Fachrie. "Perancangan Aplikasi Pemesanan Tiket Wisata di Kecamatan Donorojo Menggunakan Metode Payment Gateway." Jurnal Indonesia : Manajemen Informatika dan Komunikasi 5, no. 1 (2024): 574–86. http://dx.doi.org/10.35870/jimik.v5i1.522.
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Currently, the process of ordering tourist tickets is still done manually, especially in the Donorojo area, namely by visiting a travel agent or contacting the relevant party by telephone to order tickets. This process tends to take a long time, especially if users must queue to place an order. In addition, information regarding ticket prices and available schedules is not always easily accessible to users. The impact of this problem is confusion and errors in ordering tickets, as well as the buildup of queues at counters which causes congestion. To overcome this problem, we developed a tourist ticket booking application in Donorojo sub-district by implementing payment gateway methods including Flutter as a mobile application development framework and Firebase as a database management system that allows users to order tickets online, find out available tourist destination information and prices. and the schedule of tickets offered. The solution step taken is to collect and analyze data regarding popular tourist destinations, as well as implementing an online payment feature in the application. The interim results we have obtained are applications that are able to provide information about available tourist destinations, as well as provide convenience in the payment process and increase transaction security by using this payment gateway. Users can choose the desired destination, select the date and number of tickets needed, and make payment via the application. After payment is complete, the application will issue an electronic ticket which can be shown upon arrival at the tourist destination.
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S, Ramseena. "Analysis of Benefits of E Payment System to Customers in a Pandemic Situation with Special Reference to Alappuzha." International Journal for Research in Applied Science and Engineering Technology 10, no. 6 (2022): 1208–14. http://dx.doi.org/10.22214/ijraset.2022.44005.
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Abstract: The world has been moving towards all things electronically. It happened with the lockdown coming into effect, especially for electronic payments in India. So this research is to study the benefits of e-payment to customers and the major problems faced by them. The objective of the present study was accomplished by conducting a descriptive research. In this study both primary and secondary data was used.The approach adopted in the study is survey approach. The main techniques used for this study is questionnaire. In this study sample unit is commoners who use online payment. The samplingarea is restricted to Alappuzha district. The data collected for this study was analysed using simple percentage analysis. It found that most of them prefer online payment because of the various benefit it offers. Majority of them use Google pay as their payment platform and mobilebanking as their payment gateway. It found that the major factors which backed them from opting online payment were security, privacy, theft and fraud. When the respondents were asked about their internet access only a least of them had no access, rest have internet access either at home or at work place. In order to improve security most of them suggested to turn two factor Authentication. Key words: E Payment, COVID 19, Google pay, Internet
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Mohammed, Hadeel Fawzi. "THE ROLE OF ECONOMIC DATA ANALYSIS IN MANAGING MEDIUM AND SMALL COMPANIES TO MAKE STRATEGIC DECISIONS AND IMPROVE PERFORMANCE: AN ANALYTICAL STUDY." American Journal of Management and Economics Innovations 6, no. 8 (2024): 89–96. http://dx.doi.org/10.37547/tajmei/volume06issue08-07.
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Economic analysis plays a pivotal role in managerial decision-making processes. This analysis is predicated on deeply understanding economic forces and market factors influencing corporate strategies and decisions. This paper delves into the role of economic data analysis in managing small and medium-sized enterprises (SMEs) to make strategic decisions and enhance performance. The study underscores the significance of this approach and its impact on corporate outcomes. The research analyzes annual reports from three companies: Al-Mahfaza for Mobile and Internet Financial Payment and Settlement Services Company Limited, Al-Arab for Electronic Payment Company, and Iraq Electronic Gateway for Financial Services Company. The paper concludes by drawing key findings from this analysis.
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Dhrubajyoti Bordoloi, Dhrubajyoti Bordoloi, and Murathoti Rajendra Nath Babu Murathoti Rajendra Nath Babu. "Consumer's Attitude towards Digital Payments: A Demographic Analysis." GLOBAL BUSINESS FINANCE REVIEW 29, no. 4 (2024): 16–27. http://dx.doi.org/10.17549/gbfr.2024.29.4.16.
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Purpose: The purpose of the study is to assess the knowledge and attitude of consumers towards various payment modes with special reference to digital payment methods in Nagaland State, India. Design/methodology/approach: The study is based on primary data from students, scholars, government employees, and self-employed private employees of the Nagaland state of India. The data were collected through a questionnaire. The questionnaire was standardised by using the item analysis and the items generating unfavourable t-statistics were removed. The basic data were analysed by using descriptive statistics followed by interpretation of the results. In addition to that, inferential statistics was also used for hypothesis testing. Findings: The majority of consumers were satisfied with the electronic payment option, according to the study's findings, which is encouraging for the country's lawmakers. However, consumers also make use of cash on a regular basis. Debit or credit cards are used by almost half of consumers for both in-person and online purchases. Consumers of both sexes and varying socioeconomic backgrounds have quite different sentiments about e-payments. Regarding e-payments, people with different educational backgrounds, marital statuses, management styles, and work statuses have the same attitudes. Research limitations/implications: The study was conducted in Nagaland state of India and confined to only two districts. Convenience sampling technique was used in the study. This study considered only perception towards E-Payments. Similar study may be conducted by using some other variables. Furthermore, research that are cross-sectional and longitudinal can be conducted to delve deeper into the topic. Originality/value: This study fills the apparent gap in the existing payment gateway system. It contributes to the body of research on adoption of new technologies, and specifically E- payment services. It provides with a better understanding of Consumer's attitude towards E-Payments.
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Rifai, Ardian Dwi, and Erika Ramadhani. "Implementation of Logging Feature in Android Payment SDK using Scrum Method." IJISTECH (International Journal of Information System and Technology) 5, no. 4 (2021): 346. http://dx.doi.org/10.30645/ijistech.v5i4.150.
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Electronic money or e-money is a technological innovation that allows payment transaction processing to be easier and more practical. PT Aino Indonesia is a payment gateway company that serves payment processes using this technology for various business segments. To satisfy the requirements of each business segment, Aino needs to develop a wide range of applications. These applications require a standard for the payment system to make it faster to integrate and maintain. The payment team at Aino has developed a module or SDK that provides a standard payment system for Android-based applications. Two new features will be added to this SDK, the logging feature and log file upload. The logging feature will record the data generated by each transaction process into a log file. Next, the SDK will upload the log files to the server to help retrieve transaction data uploaded from the device. Both features will help the process of tracking issues and problems that may arise during the transaction process. The development of the two features in this SDK uses the Scrum method to ensure it stays on track.
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Awalih, Rofikoh. "TINJAUAN MAá¹¢LAḤAH MURSALAH TERHADAP PERATURAN BANK INDONESIA NOMOR 19/8/PBI/2017 TENTANG GERBANG PEMBAYARAN NASIONAL (NATIONAL PAYMENT GATEWAY)." Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi 2, no. 1 (2020): 40–57. http://dx.doi.org/10.22515/alhakim.v2i1.2494.
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AbstractBank Indonesia established an alternative payment through electronic payment and was Strengthened by the issuance of Bank Indonesia Regulation Number 19/8/PBI/2017 Concerning the National Payment Gateway. However, Bank Indonesia felt it was necessary to further reform the policy. In addition, since the National Payment Gate is a New problem that arises, there is no legal provision yet. In this case, it is necessary to Have are view of the problems to determine the validity of the problem. This Research is aqualitative literary study (literature). Data an analysis uses non-statistical analysis, namely descriptive analysis. Sources of data obtained are from secondary data sources where there is primary legal material. While data collection techniques use documentation techniques. The results of this study indicate that in Bank Indonesia Regulation No19/8/PBI/2017 Regarding the National Payment Gate there are several Institutions including standard institutions, switching agencies, and service agencies. The National Payment Gate is a payment system structure created by Bank Indonesia that supports the good in the human view it self. This shows that the National Payment Gate is in line with human reason and sharia law. Maṣlaḥah mursalah in this National Payment Gate is to improve the payment system and maintain economic stability and which is a form to protect citizens in the field of economic law.Keywords : Indonesian bank regulations; National Payment Gate; Maṣlaḥah Mursalah. AbstrakBank Indonesia membentuk sebuah alternatif pembayaran lewat electronic payment dan diperkuat dengan dikeluarkannya kebijakan Peraturan Bank Indonesia Nomor 19/8/PBI/2017 Tentang Gerbang Pembayaran Nasional (National Payment Gateway). Namun Bank Indonesia merasa perlu dilakukan adanya pembenahan lebih lanjut akan kebijakan tersebut. Selain itu mengingat Gerbang Pembayaran Nasional adalah termasuk masalah baru yang muncul maka belum ada ketentuan hukumnya. Dalam hal ini perlu adanya tinjauan maṣlaḥah mursalah untuk menentukan kehujjahan permasalahan tersebut. Penelitian ini merupakan penelitian kualitatif literer (pustaka). Analisis data menggunakan analisis non-statistik, yaitu analisis deskriptif. Sumber data yang diperoleh yaitu dari sumber data sekunder yang mana terdapat bahan hukum primer. Sedangkan teknik pengumpulan data menggunakan teknik dokumentasi. Hasil penelitian ini menunjukkan bahwa dalam Peraturan Bank Indonesia Nomor 19/8/PBI/2017 Tentang Gerbang Pembayaran Nasional terdapat beberapa lembaga diantaranya yaitu lembaga standar, lembaga switching, dan lembaga service. Gerbang Pembayaran Nasional merupakan suatu infrastruktur sistem pembayaran dibuat oleh Bank Indonesia ini mendukung kebaikan dalam pandangan manusia itu sendiri. Hal ini menunjukkan bahwa Gerbang Pembayaran Nasional tersebut sejalan dengan akal manusia dan hukum syara’. Maṣlaḥah mursalah dalam Gerbang Pembayaran Nasional ini yaitu untuk meningkatkan sistem pembayaran dan menjaga stabilitas perekonomian serta yang merupakan bentuk untuk melindungi warga negara dalam bidang hukum ekonomi.Kata kunci : Peraturan bank Indonesia; Gerbang Pembayaran Nasional; Maṣlaḥah Mursalah.
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Ferdinan, Rasid, and Muhammad Fachrie. "Pengembangan Aplikasi Jasa Service Peralatan Elektronik Berbasis Android Menggunakan Payment Gateways." Jurnal Indonesia : Manajemen Informatika dan Komunikasi 5, no. 1 (2024): 954–63. http://dx.doi.org/10.35870/jimik.v5i1.563.
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Along with the development of current technology such as TV repair, fans, refrigerators, washing machines, irons, air conditioners do not always function properly. There are times when a device is damaged and the user of the device will try to fix it by visiting a service or repair shop for televisions, fans, refrigerators, washing machines, irons and air conditioners. Of course, in this case the user will waste time and energy to go to the service place. Therefore, online booking services such as Grab and Gojek are needed. This online booking service specifically accepts the repair of televisions, fans, refrigerators, washing machines, irons, air conditioners, directly so that device users can save time and costs. With the selection of categories based on electronic products, it is easier for users if they want to find a service based on the electronic equipment that the user wants to repair. This application will be equipped with an online payment system integrated with Midtrans as a payment gateway service provider so that the transaction process becomes faster, easier and more practical.
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Kang, Hyun-Koo. "A Study on the electronic payment and settlement system - With a focus on legal issues relating to the Payment Gateway Business." Korea Financial Law Association 13, no. 1 (2016): 59–90. http://dx.doi.org/10.15692/kjfl.13.1.2.
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Veronica, Veronica, Raymond Sunardi Oetama, and Arief Ramadhan. "Incorporating rivest-shamir-adleman algorithm and advanced encryption standard in payment gateway system." TELKOMNIKA (Telecommunication Computing Electronics and Control) 22, no. 3 (2024): 629. http://dx.doi.org/10.12928/telkomnika.v22i3.25578.
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Kurnia, Fazri Muhamad. "Pembangunan Aplikasi Transaksi Menu Di Kedai XYZ Kopi Menggunakan QR-Code Dan One Time Password Berbasis E-Wallet." Matrix : Jurnal Manajemen Teknologi dan Informatika 10, no. 3 (2020): 113–22. http://dx.doi.org/10.31940/matrix.v10i3.1919.
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The payment process using electronic money is a non-cash payment method based on E-Wallet aimed at facilitating users in transact. The transaction process at the coffee shop XYZ is still done conventionally and takes a long time, causing long queues. The research carried out aims to speed up the transaction process at XYZ coffee shops. The method used in this research is prototype. An alternative solution to the transaction process is to utilize the E-Wallet and QR-Code through the customer's smartphone. This study utilizes Go-Pay E-Wallet access as a means of payment through the Midtrans Payment Gateway and uses the One Time Password code as a login method on the system. Qr-code scanning to place orders can be done quickly which is around 3,551 milliseconds. Quessioner results distributed to 20 customers showed the following data, around 90% agreed on the use of e-wallet as an alternative payment, around 87% agreed on the statement of the use of e-wallet was able to reduce the slow transaction process, about 79% agreed to the statement that this system facilitates the transaction process, as well as 79% level of approval of the use of an authentication code through a mobile number that makes it easy to enter the application. The results showed that the system built can speed up the transaction process.
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Fu, Jiaolong, and Nor Hasliza Md. Saad. "A New Hybrid Decision Tree Algorithm with K-Nearest Neighbour for Cross Border Payment Risks." International Journal on Recent and Innovation Trends in Computing and Communication 10, no. 11 (2022): 181–90. http://dx.doi.org/10.17762/ijritcc.v10i11.5805.
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The technological advancement have aided in the dramatic growth in solving payment risks through the E-Commerce Applications. While blockchain technology was first developed to underpin Bitcoin, its potential uses outside that digital currency are also being investigated. Blockchain technology can be used to speed up the process in transactions, offered secured platform and resolve payment risks. Earlier to this development, the organization and companies are on huge demand of a finding a right solution to solve the payment risks, have to travel across border in search of it. This challenge is overcome with the technological advancement with blockchain. In this research, cross border based DTA-KNN model. KNN is utilized to perform the analysis in comparison with the neighbor countries and DTA performs choosing the right payment gateway through cross-borders. The proposed model is compared with the existing algorithms such as DTA and KNN for the entire processes. The results show that the hybrid model has achieved higher accuracy of 99.89%.
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Fu, Jiaolong, and Nor Hasliza Md Saad. "Cross Border E-Commerce Uses Blockchain Technology to Solve Payment Risks." International Journal on Recent and Innovation Trends in Computing and Communication 11, no. 3s (2023): 205–15. http://dx.doi.org/10.17762/ijritcc.v11i3s.6182.
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The exponential expansion of addressing payment risks through E-Commerce Apps is mostly attributable to technical developments in this area. Although the blockchain was first created to support Bitcoin, its potential applications outside that digital currency are currently being explored. The adoption of blockchain technology may reduce the time it takes to complete a transaction, provide a more secure platform, and eliminate payment risk. Before this change, businesses were forced to go outside their borders for a satisfactory answer to the problem of payment risks. Blockchain technology has allowed us to overcome this obstacle. DTA-KNN is used as a cross-border model in this study. To do this, KNN is used to analyse data from neighbouring nations, and DTA is used to choose the most appropriate international payment gateway. To evaluate the efficacy of the suggested model, it is put up against well-established algorithms like DTA and KNN. The findings demonstrate that the hybrid model is more accurate than the other two separately.
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Fidhayanti, Dwi. "PENGAWASAN BANK INDONESIA ATAS KERAHASIAAN DAN KEAMANAN DATA/INFORMASI KONSUMEN FINANCIAL TECHNOLOGY PADA SEKTOR MOBILE PAYMENT." JURISDICTIE 11, no. 1 (2020): 16. http://dx.doi.org/10.18860/j.v11i1.5829.
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<p>Widespread use of Internet and smartphones in Indonesia triggers fintech transactions. Law Number 11 Year 2008 concearning Information and Electronic Transactions Article 26 Paragraph (1) explains that unless otherwise stipulated by statutory regulations, the use of any information through electronic media concerning a personal’s data must be carried out with the concent of the person concerned. However, it is prone to crime by breaking into the security systems of fintech. This study aims to determine the regulation of consumer data confidentiality and security of financial technology in the mobile payment sector and Bank Indonesia’s supervision on that matter. This is a normative study with legislative and conceptual approaches. Regulation on the Consumer Data/Information Confidentiality and Security of Financial Technology in Mobile Payment Sector is made by authorized institutions i.e. Bank Indonesia as regulators and supervisors in payment system and OJK (Financial Services Authority) in managing fintech categorized as non-bank institutions. Bank Indonesia has issued Regulation Number 7/6/PBI/2005 concerning provisions on Information Transparency of Bank Product and the Use of Customer’s Personal Data. Meanwhile, OJK manages data security based on Article 2 Letter d of the OJK Regulation Number 1/POJK.07/2013 concerning Consumer Protection of Financial Services Sector. Bank Indonesia supervises directly through Bank Indonesia Fintech office by holding “meet the start up” to consult and share about fintech. Policy wise, Bank Indonesia issued regulation concerning payment transaction processing, APU/PPT for non-banks, Bank Indonesia Regulations on Fintech and Regulatory Sandboxes and regulations on National Payment Gateway (NPG).</p><p>Meluasnya penggunaan Internet dan smartphone di Indonesia membuat tingginya transaksi fintech. Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi dan Transaksi Elektronik Pasal 26 ayat (1) menjelaskan bahwa kecuali ditentukan lain oleh Peraturan perundang-undangan, penggunaan setiap informasi melalui media elektronik yang menyangkut data pribadi seseorang harus dilakukan atas persetujuan orang yang bersangkutan. Namun, penggunaan teknologi rentan terhadap kejahatan dengan membobol sistem keamanan fintech. Penelitian ini bertujuan untuk mengetahui pengaturan atas kerahasiaan dan keamanan data konsumen pada sektor mobile payment dan pengawasan Bank Indonesia atas hal tersebut. Penelitian ini normatif dengan pendekatan perUndang-Undangan dan konseptual. Pengaturan atas Kerahasiaan dan Keamanan Data/Informasi Konsumen Financial Technology pada Sektor Mobile Payment dilakukan oleh lembaga berwenang; Bank Indonesia sebagai pengatur dan pengawas sistem pembayaran dan Otoritas Jasa Keuangan (OJK) dalam pengaturan fintech yang dikategorikan sebagai lembaga non bank. Bank Indonesia mengeluarkan aturan Nomor 7/6/PBI/2005 Tentang Ketentuan Transparasi Informasi Produk Bank dan Penggunaan Data Pribadi Nasabah. Sedangkan, OJK mengatur keamanan data konsumen pada pasal 2 Huruf d Peraturan OJK Nomor 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan. Bank Indonesia mengawas secara langsung melalui Bank Indonesia Fintech office dengan kegiatan meet the start up untuk melakukan konsultasi dan berbagi tentang fintech. Dalam hal kebijakan, Bank Indonesia mengeluarkan Peraturan Bank Indonesia tentang pemrosesan transaksi pembayaran, Regulasi APU/PPT untuk non Bank, Peraturan Bank Indonesia tentang Teknologi Finansial dan Regulatory Sandbox dan peraturan tentang National Payment Gateway (NPG).</p>
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Susilowati, Eni, Binti Ma’rifah Zulfa, Wafa Aprilia, and Dinnii Mafaatihal Asnaa. "Peran Financial Technology Pada UMKM Kacang Telur Susu Di Desa Rembang Ngadiluwih Kediri: Peningkatan Literasi Keuangan Berbasis Payment Gateway." Al-Muraqabah: Journal of Management and Sharia Business 3, no. 1 (2023): 63–82. http://dx.doi.org/10.30762/almuraqabah.v3i1.480.
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Advances in financial technology will greatly affect society in terms of cashless transactions. This change in the way people transact is known as the phenomenon of a cashless society. Although most people still use cash transactions, there are also those who are starting to use cashless. The emergence of this cashless social phenomenon is one of the roles of financial technology. Fintech services are aimed at millennials who often use the internet. Cashless shopping or transactions are becoming popular among millennials. They are used to using electronic devices such as debit cards, credit cards or electronic money. These developments can bring convenience in financial transactions as well as convenience in using smartphones. To avoid these convenience risks, such as fraud, crime and the risk of fraud in fintech, the government must try to maximize non-cash transactions which can then be carried out safely by supporting people's financial literacy. This study aims to understand the role of financial technology in UMKM Peanut Egg Milk in Rembang Village in increasing payment gateway-based financial literacy. Qualitative research method is a research method used with a descriptive approach. This study uses primary data and secondary data in the form of interviews, observation, documentation. The research results obtained are that MSME actors feel facilitated by the role of financial technology because it can provide time efficiency and increase productivity, but many do not understand financial technology.
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Pintubipar Saragih, Saut, and Nopriadi Nopriadi. "Pengaruh Budaya Terhadap Actual Use Digital Payment System Pada Pelaku UMKM di Kota Batam." Journal of Applied Informatics and Computing 3, no. 2 (2019): 63–67. http://dx.doi.org/10.30871/jaic.v3i2.1646.
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Digital payment gateway yang digunakan masyarakat Kota Batam sangat beragam. Sistem pembayaran digital tersebut diantaranya adalah internet banking, mobile banking, mobile application payment, dan juga masih ada yang menggunakan electronic data capture. Jumlah pengguna yang paling banyak adalah penggun sistem pembayaran digital berbasis mobile banking dan internet banking yang mencapai hamper 80% dari total responden yang ada. Pelaku umkm di Kota Batam sudah mengenal sistem pembayaran digital dengan baik dan juga sudah menggunakan dalam rentang waktu yang cukup lama yaitu rata-rata tigas tahun. Budaya di Kota Batam ditinjau dalam hal teknologi informasi secara keseluruhan sudah baik dimana hasil olah data menunjukan bahwa 50% pelaku usaha sudah menerima sistem pembayaran digital untuk mendukung kegiatan usaha mereka. Hasil penelitian ini menyimpulka bahwa budaya memberikan pengaruh positif terhadap actual use (penggunaan) sistem pembayaran digital. Nilai signifikansi pada hasil pengolahan data kuesioner menunjukan bahwa variable budaya pelaku UMKM di Kota Batam tidak dominan terhadap variable actual use karena pada nilai R square pada table anova menghasilkan nilai 0,509. Namun secara khusus pada uji regresi linier dan juga uji hipotesis menghasilkan kesimpulan bahwa budaya pelaku UMKM di Kota Batam mempengaruhi penggunaan sistem pembayaran digital.
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Piyoungkorn, Kajornsak, Siriboon Chaisawat, and Chalee Vorakulpipat. "Trusted Electronic Contract for Enabling Peer-to-Peer HPC Resource Sharing." Applied Sciences 12, no. 10 (2022): 5153. http://dx.doi.org/10.3390/app12105153.
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With the growing need for HPC resource usage in Thailand, this study aims to foster the creation of an HPC resource sharing ecosystem based on available in-house computing infrastructure. The model of computing resource sharing based on blockchain technology is presented for bridging communication between multiple clusters of HPC systems. The use of blockchain technology allows states among HPC systems to be synchronized and extends capabilities in enforcing governing rules. A smart contract was deployed on the blockchain network to enable users to request computing resources. Upon a request being made, a matching scheme performs the automatic selection of a suitable cluster based on current cluster utilization data and distance from users. Since users and clusters are anonymized from each other, a trusted payment scheme and permission access control are presented to assure both parties. As the system leverages off-chined and on-chained data exchange to carry out the operation, the secure gateway is proposed to mitigate technical difficulty from the client’s perspective and ensure information is securely flowing to and from legitimate actors. The result of this work ensures HPC service providers can maximize the utilization of their resources and monetize idle computing time, while users can access demanded resources conveniently and pay at a reasonable price.
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Praswati, Ismi Budi. "IMPLEMENTASI AKAD WAKALAH PADA PEMESANAN MAKANAN MELALUI GO-FOOD." Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi 2, no. 1 (2020): 93–105. http://dx.doi.org/10.22515/alhakim.v2i1.2498.
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AbstractBank Indonesia established an alternative payment through electronic payment and was strengthened by the issuance of Bank Indonesia Regulation Number 19/8/PBI/2017 Concerning the National Payment Gateway. However, Bank Indonesia felt it was necessary to further reform the policy. In addition, since the National Payment Gate is a New problem that arises, there is no legal provision yet. In this case, it is necessary to have are view of the problems to determine the validity of the problem. This Research is aqualitative literary study (literature). Data an analysis uses non-statistical analysis, namely descriptive analysis. Sources of data obtained are from secondary data sources where there is primary legal material. While data collection techniques use documentation techniques. The results of this study indicate that in Bank Indonesia Regulation No19/8/PBI/2017 Regarding the National Payment Gate there are several Institutions including standard institutions, switching agencies, and service agencies. The National Payment Gate is a payment system structure created by Bank Indonesia that supports the good in the human view it self. This shows that the National Payment Gate is in line with human reason and sharia law. Maá¹£laḥah mursalah in this National Payment Gate is to improve the payment system and maintain economic stability and which is a form to protect citizens in the field of economic law.Keywords: Indonesian bank regulations; National Payment Gate; Maslahah Mursalah. AbstrakPenelitian ini dilakukan berdasarkan permasalahan yang kemugkinan yang terjadi diluar perjanjian antara lain pembatalan customer sebelum driver membelikan makanan yang mengakibatkan kerugian berupa tenaga, waktu untuk mengantre dan bahan bakar, makanan yang diantarkan oleh driver kadang tidak sesuai pesanan dan biaya parkir yang dibebankan pada driver selaku wakil. Penelitian ini menggunakan kualitatif lapangan dengan pendekatan deskriptif untuk menggambarkan kondisi atau fenomena dalam kehidupan atau kenyataan yang sebenarnya. Dalam hal ini objek penelitian adalah driver dan customer Go-food di Soloraya untuk mendapatkan data tentang hak dan kewajiban yang tak terlepas dari resiko dan tanggung jawab masing-masing pihak. Data relevan yang diperoleh akan dianalisis menggunakan teori wakÄlah. Kesimpulan bahwa transaksi dalam layanan pemesanan makanan melalui Go-Food pada aplikasi Go-Jek dari rukun telah sesuai dan sah dalam syariat Islam. Namun pada dinamika di luar kemungkinan yang terjadi seperti pembatalan pesanan dan perbedaan pesanan dengan realita yang diantarkan kepada customer serta resiko uang parkir ditanggung oleh driver, pada syarat rukunnya belum memenuhi dikarenakan driver sebagai pihak wakil menanggung lebih banyak resiko didalamnya.Kata kunci: Driver; Customer; WakÄlah; Go-Food.
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Hazarika, Angshuman. "E-Commerce: Expectations and Shortfalls." Christ University Law Journal 2, no. 2 (2013): 59–78. http://dx.doi.org/10.12728/culj.3.4.
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The concept of E-commerce has existed since the
 inception of the internet, but it has acquired significance
 in the recent years. India being one of the fastest growing
 E-commerce markets in the world has no specific
 legislation to protect the interests of the buyers and sellers
 of goods and services over the electronic medium. The
 situation is further complicated by the fact that a typical
 transaction over the internet or phone needs the
 involvement of many service providers including a
 payment gateway, the main website, the bank or card
 verification website, the security certification website and
 the final service provider, which includes the shipping
 agent who delivers the goods. Separate laws are required
 to regulate the functioning of all these intermediaries. The
 paper examines the existing provisions available for the
 protection of the buyers and sellers who conduct
 transactions through the electronic medium. Further, the
 customer protection policies of four dominant E-
 commerce websites in India being flipkart.com, irctc.co.in,
 makemytrip.com and groupon.co.in are evaluated. A few
 cases of consumer disputes arising over transactions
 conducted over the electronic medium are also discussed.
 Lastly, the paper analyses the measures which needs to be
 taken to provide protection to buyers and sellers on the
 internet.
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Mazouz, Lakhdar Djelloul, Abdelkrim Meche, Abdelaziz Ouamri, and Abdel Wahab Ait Darna. "Two-stage HOG/SVM for license plate detection and recognition." Indonesian Journal of Electrical Engineering and Computer Science 34, no. 1 (2024): 210. http://dx.doi.org/10.11591/ijeecs.v34.i1.pp210-223.
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Automatic license plate recognition (ALPR) is one of the technologies used in intelligent transport systems (ITS) to read vehicle license plates automatically. The extracted information has various potential applications, including but not limited to an electronic payment gateway, a system for paying parking fees, road surveillance, and managing traffic flow. In this paper, we propose an efficient method to detect and identify the Algerian license plate (LP). This method consists of a two-stage algorithm that combines the histogram of oriented gradients (HOG) with the support vector machine (SVM) classifier. The purpose of the first stage of HOG/SVM is the detection of the LP, while the recognition of the digits is accomplished by the second stage of HOG/SVM. As first contribution, a dataset of standard Algerian LP not available elsewhere is built (DZLP dataset), The second is a proposal of a very efficient pre-processing step for LP detection and digit recognition. Experimental results show that the proposed approach yields very high license plate and average digits recognition rates, which of 97.5% and 99.46%, respectively.
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Mazouz, Lakhdar Djelloul, Abdelkrim Meche, Abdelaziz Ouamri, and Abdel Wahab Ait Darna. "Two-stage HOG/SVM for license plate detection and recognition." Indonesian Journal of Electrical Engineering and Computer Science 34, no. 1 (2024): 210–23. https://doi.org/10.11591/ijeecs.v34.i1.pp210-223.
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Automatic license plate recognition (ALPR) is one of the technologies used in intelligent transport systems (ITS) to read vehicle license plates automatically. The extracted information has various potential applications, including but not limited to an electronic payment gateway, a system for paying parking fees, road surveillance, and managing traffic flow. In this paper, we propose an efficient method to detect and identify the Algerian license plate (LP). This method consists of a two-stage algorithm that combines the histogram of oriented gradients (HOG) with the support vector machine (SVM) classifier. The purpose of the first stage of HOG/SVM is the detection of the LP, while the recognition of the digits is accomplished by the second stage of HOG/SVM. As first contribution, a dataset of standard Algerian LP not available elsewhere is built (DZLP dataset), The second is a proposal of a very efficient pre-processing step for LP detection and digit recognition. Experimental results show that the proposed approach yields very high license plate and average digits recognition rates, which of 97.5% and 99.46%, respectively.
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Dr., Roshan Lal Rohilla. "Legal Issues Involved in Electronic Payments System in India." International Journal of Current Science Research and Review 07, no. 02 (2024): 864–71. https://doi.org/10.5281/zenodo.10603941.
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Abstract : The Indian economy has developed rapidly after the induction of digital interfaces in commerce, trade, and industry particularly after the popularisation of electronic payment systems or digital banking. Since 2016 when the Government of India announced demonetization, electronic payments have been rising and are expected to continue in the future because the government has promoted these types of payments. Internet penetration in India was 47 percent in 2022 and it was more than 100 percent in urban areas as compared to rural areas, now with the expansion of the information technology-enabled generation which is using digital modes of payments more in their daily transactions has resulted in more than 140 crore rupees each day through various methods of digital prevailing in India. State Governments are also prioritizing and making more efforts to ensure that the unprivileged people should have to be provided access to web services so that they may also make payments conciliatory through this method. Resultantly, there are 103 billion digital transactions worth Indian rupee 166 trillion in the financial year 2023. It is also expected that digital transactions will also rise to 411 trillion by the year 2027. Consequently, on advent of high tech system of fund transfer and its enormous use several cases of fraud have also been taking place on daily basis. The legislation has enacted various laws in connivance with the global laws, to resolve the problem, but they are still prevailing. The present study has been conducted to identify the legal issues and the results arising from these issues and to recommend some pathways to recover from these obstacles. This study further explains the further way to improvement in fund transfer and making payments using digital mode. Consequently, it is found that the present legal system does not have sufficient provisions to stop such fraud, and blockage of money with the UPI, payment gateways, banks, and merchants. There is no single online solution to these problems. The banking ombudsman is working on resolving some of the issues, but due to the red tapism, such transactions of payment failure and fraud websites could not be resolved. Sufficient amendments dealing with such transactions have not been incorporated in the present Consumer Protection Act. Hence, it is recommended that there should be a virtual hearing in the office of the ombudsman as well as in the court of President Consumers Protection.
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J. Kinslow, Kenneth. "International borrowing: roads less traveled." Interlending & Document Supply 42, no. 2/3 (2014): 115–19. http://dx.doi.org/10.1108/ilds-01-2014-0007.
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Purpose – This paper aims to highlight the characteristics of the bibliographic discovery and delivery processes that can either facilitate or impede attempts to borrow materials from overseas libraries. The experiences described represent the perspective of a typical Interlibrary Loan (ILL) practitioner in the USA. Design/methodology/approach – The author draws on his own personal experience with interlibrary borrowing at a major private university research library in the USA. Findings – From a US perspective, the ideal means of obtaining materials from overseas libraries is to locate a potential supplier in Online Computer Library Center (OCLC) WorldCat and use the same system to manage the entire ILL request process. Large union catalogs such as the Karlsruhe Virtual Catalogue are suitable alternatives, as are services specializing in publications from certain countries or regions such as the East Asian Gateway Service or the Global ILL Framework (GIF). The least desirable option is to search and request materials directly through an individual library’s Web site, although the experience can be greatly enhanced through the use of well-designed English language interfaces, easy payment options such as International Federation of Library Associations (IFLA) vouchers or credit cards and electronic delivery whenever possible. Originality/value – This article would be of value for any ILL practitioners in the USA who are involved in borrowing or would like to borrow materials from overseas libraries.
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Mkoma, Rahel Nasoni, and Charles Tinabo Rwekaza. "Decentralization in Tanzania: Perceptible Efficiency and Effectiveness in Management of Community Health Care, Free Basic Education and Public Private Partnership." HOLISTICA – Journal of Business and Public Administration 12, no. 1 (2021): 57–68. http://dx.doi.org/10.2478/hjbpa-2021-0006.
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Abstract Decentralization has been a means to enhance efficiency and effectiveness in the management of local government affairs. Tanzania has undergone a reform through decentralization by devolution (D by D) and shifted relative power to lower levels of government known as local government authorities. The purpose is to improve the management of local government affair including the management of community health, free basic education and the management of contracts through public-private partnership. The objective of this paper is to review and analyse on how D by D has enhanced efficiency and effectiveness in the management of local government affairs in Tanzania. Data were collected through reviewing different documents including published journal articles, unpublished Master and PhD thesis/dissertations, government reports and online materials. Efficiency and effectiveness in the management of local government affairs are enhanced by D by D as there are improvements in the management of the community health fund as the number of households enrolled is consecutively increasing in the past five years from 543,328 in 2012/2013 to 2,251,055 in 2017/2018giving a total of 13,506,330 beneficiaries out of the total population. In the management of free fee basic education, head masters, mistress and head teachers in Singida and Ruangwa districts are successful in overcoming the challenges of free fee basic education while there is improved community participation in the management of management of contracted services in Ulanga district council. This paper recommends for reviewing and analysing how D by D has enhanced management of waste collection, the use of Government electronic Payment Gateway (GePG) in revenue collection and the efficiency and effectiveness of Tanzania Rural and Urban Roads Agency (TARURA).
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Oisso, Neeman Didas. "Effect of Computerized Systems on the Organizational Performance: Evidence from Selected Public Organizations from Iringa Municipality." East African Journal of Information Technology 6, no. 1 (2023): 186–200. http://dx.doi.org/10.37284/eajit.6.1.1458.
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This study investigated the impact of computerized systems on public organizations in Iringa Municipality, focusing on the Computerized Accounting System (CAS) and the Government Electronic Payment Gateway (GePG). A mixed research approach and a cross-sectional design were employed, with 100 randomly selected employees from a population of 145 participating through questionnaires and interviews. Data analysis utilized descriptive statistics and multiple regression. The findings revealed that a majority (84.6%) of TRA employees had received training related to computerized systems. Similarly, IRUWASA and TANESCO had a significant portion of trained employees (71.4% and 90.9% respectively). Within IMC and RBWB, 85.7% of employees had attended training, while Mkwawa University and RUWASA showed high training attendance rates at 80%. Concerning network availability, most TRA employees (76.9%) reported inconsistent network availability. This issue was prevalent among IRUWASA and TANESCO employees (63.6% and 90.9% respectively), as well as within IMC and RBWB. The first objective's findings indicated a significant negative impact of system downtime on performance (p-value = 0.000). A one-unit increase in system downtime corresponded to a performance decrease of -0.004. Conversely, training had a positive and significant impact on performance (p-value = 0.013), with a one-unit increase resulting in a performance increase of 0.011. Latency had a significant negative effect (p-value = 0.000), where a one-unit increase in latency led to a performance decrease of -0.039. In light of these findings, it is recommended that public organizations allocate resources for the enhancement and modernization of computerized systems. This should include investments in more robust hardware, software, and network solutions, as well as comprehensive training programs
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Kharisma, Ivana Lucia, Kamdan, Asep Rizki Firdaus, Rizki Haddi Prayoga, Fakhriyal Riyandi Yasin, and Mutiara Annisa Tresna Ati. "Construction Of Railway Door Automation Prototypes Using Arduino, Servo Motors and Ultrasonic Sensors." Digital Zone: Jurnal Teknologi Informasi dan Komunikasi 14, no. 1 (2023): 1–12. http://dx.doi.org/10.31849/digitalzone.v14i1.13584.
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The Indonesian railway system is currently experiencing a lot of developments in terms of technology. The Indonesian railway system has been integrated with technology 4.0, where all transaction processes, whether payment, ordering tickets or monitoring trains, can be monitored via electronic media. Of course, this technology must be supported by adequate infrastructure, one of which is the railroad crossing. In Indonesia, several railroad lines have been constructed, and many portal or crossbar railroads have also been constructed. The railroad gate is part of the railway system which has a very important role, especially in regulating the safety of train travel. The rail gateway has been a problem and a source of accidents in recent years. This is because there are no security facilities at any rail portals, causing drivers to continue to break traffic laws. The making of this automatic railroad doorstop uses the Prototype method, namely a simulation that uses Arduino UNO R3, servo motors, HC-SR04 ultrasonic sensors and other components that can support the manufacture of this railroad doorstop prototype. The prototype of this automatic train doorstop is equipped with many sensors that works automatically according to what is ordered, so that its use can be easily controlled and implemented in real life. This automatic railroad crossing system is expected to optimize the task of the railroad crossing guard by providing automation for the process of opening and closing the railway door and providing additional warning information for the community around the railway door location so as to reduce the potential for accidents caused by drivers or people who break traffic laws.
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Udvaros, József, Norbert Forman, and Szilárd Mihály Avornicului. "Agile Storyboard and Software Development Leveraging Smart Contract Technology in Order to Increase Stakeholder Confidence." Electronics 12, no. 2 (2023): 426. http://dx.doi.org/10.3390/electronics12020426.
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We present a solution based on blockchain technology and smart contracts for agile project management in light of the continuing transition in the software development industry. Due to the fact that these technologies are self-executing, customized, and impervious to tampering, they are considered to be crucial for the transition to a more efficient, transparent, and transactive payment gateway between major stakeholders. These major stakeholders will be able to communicate through smart contracts, which will act as a bridge between them. As part of their responsibility, they will make sure that all of the terms of the contract are met and acknowledged by all members of the team. As a result of our research, we propose a model in which payouts could be automatically enabled and penalties or grants could be introduced based on performance. If any changes were to be made to the contract in the future, all parties involved would be automatically notified. To maintain the development cycle, they should accept these changes as soon as possible. Because of this, the product owner and client are able to concentrate their resources on more profitable and productive tasks, without the need to monitor this aspect of agile project management. Our proposed model brings together different partners with the objective of successfully developing different IT projects by leveraging software engineering solutions such as smart contracts.
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Nurmecca, Siti Chairana. "Legal aspect of income tax collection from buying and sale transactions through social media." Requisitoire Law Enforcement 13, no. 1 (2021): 1–7. http://dx.doi.org/10.59651/relae.v13i1.93.
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This study aims to explain the reasons for entrepreneurs who earn income from buying and selling transactions through social media to collect income tax, discuss the mechanisms needed for the collection of income tax and discuss the rules that can be imposed for collecting income tax so that entrepreneurs who earn income from transactions in the media social is obligated to fulfill tax obligations like entrepreneurs in marketplaces and conventionally in creating a level playing field in running a trading business. The results of the study show that disparities/differences in arrangements for collecting income tax from e-commerce transactions are an obstacle to collecting taxes on income earned from buying and selling transactions through the electronic system (e-commerce), arrangements that only target entrepreneurs in the marketplace will cause a large shift -Most entrepreneurs in the market place to move to social media, because income tax is not collected on social media, so to deal with this, entrepreneurs who get income from buying and selling transactions through social media need to collect income tax to fulfill tax obligations according to income tax regulations. applies, so that there is no evasion and injustice in collecting taxes as a whole and thoroughly from online buying and selling transactions, in collecting income tax from buying and selling via social media cooperation between the directorate general of taxes and social media organizers is needed to obtain tax data in seeking state revenue , then the validity of the data is strengthened by the database contained in the national payment gateway (GPN) to detect the value of income transactions obtained from buying and selling transactions on social media, then the rules that can be imposed for income tax collection are following the same applicable income tax provisions like conventional entrepreneurs in general.
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D., U. Ashishie, O. Ugah J., and O.B.Ogunfeyimi. "The Imperative of Online Payment System in Developing Countries." International Journal of Innovative Science and Research Technology 7, no. 1 (2022): 449–55. https://doi.org/10.5281/zenodo.5923292.
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This paper takes a critical review of online payment systems and their importance in the economies of developing countries. The significance of online payment systems in the present scheme of things cannot be over-emphasized. Online payment systems are a crucial component in the overall development of the economies of developing countries. The way payments are made are increasingly been reshaped by growing demand for digital payment methods coupled with improvements in technology. In recent times, the conventional market is gradually been replaced by Electronic Commerce, also referred to as E-commerce and without gainsaying, it now ranked highest among the services that stems from the World Wide Web. It’s reasoned that the scope and volume of trade the world over is been rapidly expanded by the development and integration of online payments to e-commerce, which in turn is closing up the barriers once encountered in payment for goods and services in the conventional market ecosystem. The framework of ecommerce in developing countries has indeed been boosted and strengthened by the implementation of online payment systems. The advent of the Covid-19 pandemic which has restricted human physical contact in recent times has posed great changes on how consumers purchase goods and services with respect to the available payment options associated with such transactions. The overall aim of this paper is to carry-out a critical review of the Online Payment Systems and their classifications; highlighting the various payment gateways, challenges of online payment, the numerous benefits and the need to integrate online payment systems to boost the development of the economies of developing countries. It equally examined the future trends in online payment systems.
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Olanrewaju, Rashidah Funke, Burhan Ul Islam Khan, Mohd Mueen Ul Islam Mattoo, Farhat Anwar, Anis Nurashikin Bt Nordin, and Roohie Naaz Mir. "Securing electronic transactions via payment gateways - a systematic review." International Journal of Internet Technology and Secured Transactions 7, no. 3 (2017): 245. http://dx.doi.org/10.1504/ijitst.2017.089781.
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Anwar, Farhat, Anis Nurashikin Bt Nordin, Roohie Naaz Mir, Rashidah Funke Olanrewaju, Burhan Ul Islam Khan, and Mohd Mueen Ul Islam Mattoo. "Securing electronic transactions via payment gateways - a systematic review." International Journal of Internet Technology and Secured Transactions 7, no. 3 (2017): 245. http://dx.doi.org/10.1504/ijitst.2017.10010825.
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Kemenuh, Ida Ayu Adi Cintya Dewi, and Gede Sri Darma. "Menakar Lembaran Baru Penggunaan QRIS Pada Electronic Payment Gateways." Jurnal Manajemen Bisnis 19, no. 2 (2022): 168–88. http://dx.doi.org/10.38043/jmb.v19i2.4607.
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This research has a purpose to determine the management model of Tourism Attraction based on Sustainable Tourism Development. This study used qualitative methods, determining informants by purposive sampling with 7 informants. The data in this study were analyzed in several stages starting with data collection, data reduction, data presentation, and finally drawing conclusions and verification. The suggestion from this study is to provide guidance to the people of Beraban Village, traders in the Tanah Lot Tourist Attraction area, and all staff who work at the Tanah Lot Tourist Attraction so that they can be carried out more actively in developing this Tourist Attraction area. It is hoped that all people will take part in providing even better service in the future because there are a lot of tourism potentials in the Tanah Lot Tourist Attraction area if studied and explored more deeply.
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David Odera. "A survey on techniques, methods and security approaches in big data healthcare." Global Journal of Engineering and Technology Advances 14, no. 2 (2023): 093–106. http://dx.doi.org/10.30574/gjeta.2023.14.2.0035.
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A huge percentage of people especially in developed countries spend a good chunk of their wealth in managing their health conditions. In order to adequately administer healthcare, governments and various organizations have embraced advanced technology for automating the health industry. In recent past, electronic health records have largely been managed by Enterprise Resource Planning and legacy systems. Big data framework steadily emerge as the underlying technology in healthcare, which offers solutions that limits capacity of others systems in terms of storage and reporting. Automation through cloud services supported by storage of structured and unstructured health data in heterogeneous environment has improved service delivery, efficiency, medication, diagnosis, reporting and storage in healthcare. The argument support the idea that big data healthcare still face information security concern, for instance patient image sharing, authentication of patient, botnet, correlation attacks, man-in-the-middle, Distributed Denial of Service (DDoS), blockchain payment gateway, time complexities of algorithms, despite numerous studies conducted by scholars in security management for big data in smart healthcare. Some security technique include digital image encryption, steganography, biometrics, rule-based policy, prescriptive analysis, blockchain contact tracing, cloud security, MapReduce, machine-learning algorithms, anonymizations among others. However, most of these security solutions and analysis performed on structured and semi-structured data as opposed to unstructured data. This may affect the output of medical reporting of patients’ condition particularly on wearable devices and other examinations such as computerized tomography (CT) Scans among others. A major concern is how to identify inherent security vulnerabilities in big healthcare, which generate images for transmission and storage. Therefore, this paper conducted a comparative survey of solutions that specifically safeguards structured and unstructured data using systems that run on big data frameworks. The literature highlights several security advancements in cryptography, machine learning, anonymization and protocols. Most of these security frameworks lacks implementation evidence. A number of studies did not provide comprehensive performance metrics (accuracy, error, recall, precision) of the models besides using a single algorithm without validated justification. Therefore, a critique on the contribution, performance and areas of improvements discussed and summarized in the paper.
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David, Odera. "A survey on techniques, methods and security approaches in big data healthcare." Global Journal of Engineering and Technology Advances 14, no. 2 (2023): 093–106. https://doi.org/10.5281/zenodo.7931742.
Full textAbstract:
A huge percentage of people especially in developed countries spend a good chunk of their wealth in managing their health conditions. In order to adequately administer healthcare, governments and various organizations have embraced advanced technology for automating the health industry. In recent past, electronic health records have largely been managed by Enterprise Resource Planning and legacy systems. Big data framework steadily emerge as the underlying technology in healthcare, which offers solutions that limits capacity of others systems in terms of storage and reporting. Automation through cloud services supported by storage of structured and unstructured health data in heterogeneous environment has improved service delivery, efficiency, medication, diagnosis, reporting and storage in healthcare. The argument support the idea that big data healthcare still face information security concern, for instance patient image sharing, authentication of patient, botnet, correlation attacks, man-in-the-middle, Distributed Denial of Service (DDoS), blockchain payment gateway, time complexities of algorithms, despite numerous studies conducted by scholars in security management for big data in smart healthcare. Some security technique include digital image encryption, steganography, biometrics, rule-based policy, prescriptive analysis, blockchain contact tracing, cloud security, MapReduce, machine-learning algorithms, anonymizations among others. However, most of these security solutions and analysis performed on structured and semi-structured data as opposed to unstructured data. This may affect the output of medical reporting of patients’ condition particularly on wearable devices and other examinations such as computerized tomography (CT) Scans among others. A major concern is how to identify inherent security vulnerabilities in big healthcare, which generate images for transmission and storage. Therefore, this paper conducted a comparative survey of solutions that specifically safeguards structured and unstructured data using systems that run on big data frameworks. The literature highlights several security advancements in cryptography, machine learning, anonymization and protocols. Most of these security frameworks lacks implementation evidence. A number of studies did not provide comprehensive performance metrics (accuracy, error, recall, precision) of the models besides using a single algorithm without validated justification. Therefore, a critique on the contribution, performance and areas of improvements discussed and summarized in the paper.