Academic literature on the topic 'Electronic payments'

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Journal articles on the topic "Electronic payments"

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Mushkudiani, Nino. "Development of Electronic Payments in Georgia." Economics and Culture 15, no. 2 (2018): 64–74. http://dx.doi.org/10.2478/jec-2018-0021.

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Abstract Electronic payments are considered to be a fast and secure alternative for traditional payment methods. Today, it is impossible to imagine modern bank operations, commercial transactions and other payments without electronic payments. This article shows that electronic payments are not the only means for reducing costs with respect to other payment methods, such as cash, but can also generate significant benefits for increasing economic development and reducing shadow economy. The paper focuses on the development of electronic payments in Georgia and its impact on the economy of the c
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Dragusha, MSc Kushtrim, and Arsim Kosumi. "Center for Electronic Payments NFC payment." IFAC Proceedings Volumes 46, no. 8 (2013): 44–49. http://dx.doi.org/10.3182/20130606-3-xk-4037.00038.

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Kovács, Levente, and Sandor David. "Fraud risk in electronic payment transactions." Journal of Money Laundering Control 19, no. 2 (2016): 148–57. http://dx.doi.org/10.1108/jmlc-09-2015-0039.

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Purpose The purpose of this paper is the timely review of regulations on the security of electronic payments, payment innovations and their vulnerabilities and discussing the recommendations elaborated by the European Forum on the Security of Retail Payments. Design/methodology/approach First, the article presents a serious fraud case which happened in the Hungarian banking system. This case demonstrates all risks associated with the security of payment channels being used. Next, the article examines those international SecuRe Pay Forum recommendations which target the elimination of such frau
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Schudelaro, A. A. P. "ELECTRONIC PAYMENTS." Computer Law & Security Review 17, no. 2 (2001): 105–9. http://dx.doi.org/10.1016/s0267-3649(01)00205-9.

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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan, and Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security." Symmetry 12, no. 8 (2020): 1344. http://dx.doi.org/10.3390/sym12081344.

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic paym
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Pozhydaeva, M. A. "EVOLUTION OF THE USE OF ELECTRONIC PAYMENT INSTRUMENTS: FINANCIAL AND LEGAL ASPECT." Legal horizons 33, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p.

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The evolution of the use of electronic payment instruments from a finance law position is analyzed in the article. In the context of the latest technology dynamic introduction in the field of payments, the beginning of the history of modern electronic payment instruments can be conditionally linked to the creation of the London Clearing House in 1775 in the United Kingdom and the subsequent active use in the calculation of promissory notes and cheques, as well as other payment documents on the basis of the clearing. At the same time, we propose to periodize the evolution of the use of electron
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Tkachuk, Volodymyr. "Problems of development of non-banking payment systems in Ukraine." Economic Analysis, no. 29(4) (2019): 80–88. http://dx.doi.org/10.35774/econa2019.04.080.

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Introduction. The development of non-cash payments is the key to economic growth in any country, because on the one hand, the level of control over payments increases, and on the other - the volume of customer spending increases, which leads to increased consumption and GDP growth. However, current trends in e-commerce and online commerce require the emergence of new technological solutions in the form of electronic payment systems that can legally handle transactions with electronic money and cryptocurrencies. Given the rapid pace of growth in transactions through non-banking electronic payme
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Bapat, Dhananjay. "Customer Relationship for Electronic Payment Products." Global Business Review 13, no. 1 (2012): 137–51. http://dx.doi.org/10.1177/097215091101300109.

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The article attempts to find the key attributes of electronic payment and its use by consumers. It considers various issues and concerns relating to electronic payments by reviewing research across various countries. Many newer payment products are offered by banks to take advantage of lower costs associated with the newer payments. While offering electronic payments to customers, it is important for banks to understand whether newer payment products are being used by the customers. In this study, the author examines the awareness level, usage of generic products and usage of specific products
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Lisniak, Vladyslavа. "INTERNATIONAL EXPERIENCE OF ELECTRONIC PAYMENT SYSTEMS USING IN UKRAINE." Economic Analysis, no. 28(3) (2018): 149–53. http://dx.doi.org/10.35774/econa2018.03.149.

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Introduction. In the course of this research attention was paid to the study of theoretical and practical aspects of the development of electronic payment systems in the world and in Ukraine. The general scheme of electronic payment system work is considered. The dynamics of payments by means of electronic payment systems on the territory of Ukraine is determined. The basic principles of electronic payment systems activity are substantiated. The advantages and disadvantages of electronic payments are considered. The results of the study can be used as practical recommendations for improving th
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Pozhydaeva, M. A. "Evolution of the use of electronic payment instruments: financial and legal aspect." Legal horizons, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p82.

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The evolution of the use of electronic payment instruments from a finance law position is analyzed in the article. In the context of the latest technology dynamic introduction in the field of payments, the beginning of the history of modern electronic payment instruments can be conditionally linked to the creation of the London Clearing House in 1775 in the United Kingdom and the subsequent active use in the calculation of promissory notes and cheques, as well as other payment documents on the basis of clearing. At the same time, we propose to periodize the evolution of the use of electronic p
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Dissertations / Theses on the topic "Electronic payments"

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Smith, Daniel J. "Electronic payments in DoD contracting." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 1993. http://handle.dtic.mil/100.2/ADA269738.

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Thesis (M.S. in Management) Naval Postgraduate School, June 1993.<br>Thesis advisor(s): Martin J. McCaffrey ; James M. Fremgen. "June 1993." Includes bibliographical references. Also available online.
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Al-Meaither, Mansour. "New schemes for secure electronic payments." Thesis, Royal Holloway, University of London, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.419912.

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Mandadi, Ravi. "Comparison of Current On-line Payment Technologies." Thesis, Linköping University, Department of Electrical Engineering, 2006. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-7383.

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<p>The purpose of this thesis work was to make a survey of current on-line payment technologies and find out which are they and how do they work? Compare and analyze them from a security point of view, as well as a usability point of view. What is good? What is bad? What is lacking?</p><p>To achieve this purpose, an overview of the current on-line payment technologies was acquired through academic books and papers, Internet sites, magazines. Basic cryptographic and security related techniques were studied for the security analysis of current on-line payment systems.</p><p>In this work, various
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Mariz, Frederic Auguste Arnaud Rozeira de Sampaio. "Financial inclusion and electronic payments: explaining electronic payments in Brazil with principal components analysis and Sarimax models." Universidade de São Paulo, 2017. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-19012018-181138/.

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Financial inclusion is a public policy objective that fosters development through access to financial services for all. Financial inclusion can be defined as access, usage and quality of financial services. Inclusion of individuals and small enterprises has made considerable progress but it has also reached excesses in some situations. Regulatory changes and technological innovation have helped the expansion of financial services. Our contribution to the literature is threefold. First, we expand the large body of research that focuses on financial inclusion based on access to credit, through o
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Wells, Kirstin E. "The social costs of paper and electronic payments." Thesis, This resource online, 1994. http://scholar.lib.vt.edu/theses/available/etd-07112009-040441/.

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Hong, Ki Young. "Why are electronic payments preferred? : evidence from international data /." free to MU campus, to others for purchase, 2002. http://wwwlib.umi.com/cr/mo/fullcit?p3060105.

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Kováčik, Petr. "Elektronické platby na internetu a jejich praktické implementace." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-15542.

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The number of economic opportunities on the Internet is growing together with the intensive expansion of internet users. It is important to connect the internet sale of goods and services with electronic payment methods in order to be effective. The aim of the thesis is to describe electronic payments placed on the Internet, description of their different usage and popularity in accordance with geographical location of the customer, assets and risks, and payment costs and fees. This text offers facts that the provider should consider before choosing some payment method, and on the other hand f
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Dold, Florian. "The GNU Taler system : practical and provably secure electronic payments." Thesis, Rennes 1, 2019. http://www.theses.fr/2019REN1S008/document.

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Les nouveaux protocoles de réseautage et cryptographiques peuvent considérablement améliorer les systèmes de paiement électroniques en ligne. Le présent mémoire porte sur la conception, la mise en œuvre et l’analyse sécuritaire du GNU Taler, un système de paiement respectueux de la vie privée conçu pour être pratique pour l’utilisation en ligne comme méthode de (micro-)paiement, et en même temps socialement et moralement responsable. La base technique du GNU Taler peut être dû à l’e-cash de David Chaum. Notre travail va au-delà de l’e-cash de Chaum avec un changement efficace, et la nouvelle n
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Abdulah, Samahir. "Legal risk associated with electronic funds transfer." Thesis, University of Plymouth, 2014. http://hdl.handle.net/10026.1/2910.

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The past thirty years have seen rapid advances in the technological component of banking services and as a consequence new legal issues have come to the fore, especially with regard to Electronic Fund Transfers (EFTs) which are now used to transfer money around the world, and have made fund transactions between payers and payees easier, faster and more secure. The method involves risks for both banks and customers, due to the possibility of unauthorized payments risks, credit and insolvency problems, and confidentiality issues. Most contracts and obligations now depend on the new technology, a
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Mallat, Niina. "Consumer and merchant adoption of mobile payments /." Helsinki : Helsinki School of Economics, 2006. http://www.loc.gov/catdir/toc/fy0708/2007358489.html.

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Books on the topic "Electronic payments"

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V, Shue Virginia, and Practising Law Institute, eds. Checks, payments, and electronic banking. Practising Law Institute, 1986.

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Jans, Jan A. Electronic Payments in the European Market. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-64338-5.

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United States. Congressional Budget Office., ed. Emerging electronic methods for making retail payments. Congress of the U.S., Congressional Budget Office, 1996.

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Group, Globecon, and Financial Executives Research Foundation, eds. Electronic data interchange and corporate trade payments. Financial Executives Research Foundation, 1988.

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Wu, Stephen S. Risk management for consumer internet payments. Internet Council, 2002.

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1962-, Donovan Gail, Dominguez Luis, and Federal Reserve Bank of New York., eds. The story of checks and electronic payments: How payments move in the U.S. Federal Reserve Bank of New York, 1997.

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Office, General Accounting. Electronic Benefits Transfer Task Force. The Office, 1996.

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Office, General Accounting. Electronic Benefits Transfer Task Force. The Office, 1996.

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United States. General Accounting Office. RCED, ed. Electronic Benefits Transfer Task Force. The Office, 1996.

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Franklin, Tom. E-business and e-payments: How? who? how much? Business Communications Co., 2002.

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Book chapters on the topic "Electronic payments"

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Jacobson, Markus, and David M’Raïhi. "Mix-Based Electronic Payments." In Selected Areas in Cryptography. Springer Berlin Heidelberg, 1999. http://dx.doi.org/10.1007/3-540-48892-8_13.

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Pedersen, Torben P. "Electronic payments of small amounts." In Security Protocols. Springer Berlin Heidelberg, 1997. http://dx.doi.org/10.1007/3-540-62494-5_5.

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Wrona, Konrad, Marko Schuba, and Guido Zavagli. "Mobile Payments — State of the Art and Open Problems." In Electronic Commerce. Springer Berlin Heidelberg, 2001. http://dx.doi.org/10.1007/3-540-45598-1_10.

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Goodell, Geoff, D. R. Toliver, and Hazem Danny Nakib. "A Scalable Architecture for Electronic Payments." In Financial Cryptography and Data Security. FC 2022 International Workshops. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-32415-4_38.

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AbstractWe present a scalable architecture for electronic retail payments via central bank digital currency and offer a solution to the perceived conflict between robust regulatory oversight and consumer affordances such as privacy and control. Our architecture combines existing work in payment systems and digital currency with a new approach to digital asset design for managing unforgeable, stateful, and oblivious assets without relying on either a central authority or a monolithic consensus system. Regulated financial institutions have a role in every transaction, and the consumer affordance
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Wonglimpiyarat, Jarunee. "Electronic Payment System of Thailand: Mobile Banking Market Competition." In The Book of Payments. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-60231-2_23.

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Harper, Ian, Ric Simes, and Craig Malam. "The Development of Electronic Payments Systems." In Contributions to Economics. Physica-Verlag HD, 2006. http://dx.doi.org/10.1007/3-7908-1707-4_3.

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Schuldt, Heiko, Andrei Popovici, and Hans-Jörg Schek. "Execution Guarantees in Electronic Commerce Payments." In Lecture Notes in Computer Science. Springer Berlin Heidelberg, 2000. http://dx.doi.org/10.1007/3-540-46466-2_10.

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Satri, Jihad, Hanaa Hachimi, and Chakib El Mokhi. "Nudging Users Towards Embracing Electronic Payments." In Lecture Notes in Networks and Systems. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-88304-0_39.

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Stearns, David L. "Setting the Stage: Money, Credit, and Payments in America." In Electronic Value Exchange. Springer London, 2011. http://dx.doi.org/10.1007/978-1-84996-139-4_1.

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Bátiz-Lazo, Bernardo, and Tony Moretta. "Mondex and VisaCash: A First (Failed) Attempt at an Electronic Purse." In The Book of Payments. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-60231-2_17.

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Conference papers on the topic "Electronic payments"

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Guan, Yuqing, and Andrea Tick. "Literature Review on Security of Personal Information in Electronic Payments." In 2024 IEEE 18th International Symposium on Applied Computational Intelligence and Informatics (SACI). IEEE, 2024. http://dx.doi.org/10.1109/saci60582.2024.10619864.

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Syahri, Qadri Alfi, Jio Stephen Prabowo, Muhammad Naufal Priatna, and Tiurida Lily Anita. "Tap & Stay: Streamlining Capsule Hotel Payments with Electronic Transactions." In 2024 9th International Conference on Business and Industrial Research (ICBIR). IEEE, 2024. https://doi.org/10.1109/icbir61386.2024.10875801.

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Barada, Maria, Afnan Mshellem, May Shaker, Khaleel Mershad, and Omar Cheikhrouhou. "A Framework for Securing Electronic Payments via the Dual Channel Security Protocol." In 2025 5th IEEE Middle East and North Africa Communications Conference (MENACOMM). IEEE, 2025. https://doi.org/10.1109/menacomm62946.2025.10911007.

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Alghazali, Marwah Imad, Qais Maaitah, Ali Mukhlif Hammad, Saeed Hameed Aldulaimi, and Marwan Abdeldayem. "Enhancing Security in Engineering Financial Transactions: Protecting Individual Information in Electronic Payments." In 2024 International Conference on Decision Aid Sciences and Applications (DASA). IEEE, 2024. https://doi.org/10.1109/dasa63652.2024.10836376.

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Lu, Jiaxin. "Improving Fraud Detection in Mobile Payments with Machine Learning Ensembles." In 2024 4th International Conference on Electronic Information Engineering and Computer Science (EIECS). IEEE, 2024. https://doi.org/10.1109/eiecs63941.2024.10800126.

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Kavyashree, B. S., P. Kavya, and K. S. Munnavalli Matt. "Electronic Payments Systems." In Department of Information Science and Technology. Research Publishing Services, 2015. http://dx.doi.org/10.3850/978-981-09-4426-1_042.

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Yuzvovich, L. I., M. I. Lvova, and M. S. Maramygin. "Strategic Determinants of Choice of Electronic Payment System in Internet Trade Companies." In International Conference on Finance, Economics, Management and IT Business (FEMIB 2024). Crossref, 2025. https://doi.org/10.63550/iceip.2025.76.98.001.

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The scientific article is devoted to the strategic determinants of choosing an electronic payment system in online trading companies based on the creation of an integrated approach to analyzing the performance of these systems in the context of e-commerce activities. In the modern world, where boundaries are erased due to digitalization, tools for making electronic payments are acquiring new horizons of distribution. They are becoming key in processing significant financial flows, making their reliability and security vital for economic entities whose activities are related to e-commerce. Fail
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BIRÓ, Gabriella. "The Effect of the KiberPajzs Initiative on Fraud Detected in Electronic Payments in Hungary." In International Conference on Cybersecurity and Cybercrime. Romanian Association for Information Security Assurance, 2024. http://dx.doi.org/10.19107/cybercon.2024.02.

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The paper examines what effect the KiberPajzs initiative has on fraud detected in electronic payments in Hungary for the 2023-2024 period. First the current electronic payment fraud landscape of Hungary is described through cybercrime tendencies, the impact of digitalization on banking, and the regulatory background of electronic payments. Then the KiberPajzs initiative is introduced together with its related communicational, regulatory and law enforcement projects. Finally, the recent quarterly payment fraud data published by the Central Bank of Hungary is examined and the effects of KiberPaj
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Skipper, J. "Electronic banking and payments." In IEE Colloquium eCommerce - Trading but not as we know it! IEE, 1998. http://dx.doi.org/10.1049/ic:19980779.

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Rodrigues, Cádmo, and Wagner Santos Júnior. "Influence of the COVID-19 Pandemic on the Transition Process to Electronic Ticketing in Public Transport: A Case Study in a Brazilian City." In SAE Brasil 2024 Congress. SAE International, 2024. https://doi.org/10.4271/2024-36-0020.

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&lt;div class="section abstract"&gt;&lt;div class="htmlview paragraph"&gt;The COVID-19 pandemic has reshaped public transportation dynamics globally, prompting shifts in passenger behavior and payment methods. Concurrently, the rise of fintech and Industry 4.0 has accelerated the adoption of digital payment solutions, aligning with the trend towards cashless societies. This study investigates the impact of the pandemic on the transition from cash to card payments for public transport fares in Belo Horizonte, Brazil. Leveraging data from the city's transparency portal, analyses were conducted o
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Reports on the topic "Electronic payments"

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Arango-Arango, Carlos A., and Yanneth Rocío Betancourt-García. A Mixed Duopoly in the Provision of Payment Services. Banco de la República, 2024. http://dx.doi.org/10.32468/be.1280.

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In this paper, we study the coexistence of cash and electronic payments introducing some distortions in the payments markets to understand the widespread use of cash, specially in emerging countries. Following Lagos andWright (2005) we model explicitly some frictions in the exchange process considering money as essential. We introduce in this theoretical framework, theft and informality (measured by tax evasion), as factors a ecting cash usage and, therefore competition with an electronic payment method. In this paper, segmentation in the payments market is considered by introducing heterogene
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Gowrisankaran, Gautam, and Joanna Stavins. Network Externalities and Technology Adoption: Lessons from Electronic Payments. National Bureau of Economic Research, 2002. http://dx.doi.org/10.3386/w8943.

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León, Carlos. The dawn of a mobile payment scheme: The case of Movii. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1157.

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Mobile wallets replicate physical wallets on a mobile device, in which users can store different payment instruments (e.g., cards, transfers) to make mobile payments. As the mobile wallet is adopted, a mobile payment scheme emerges, with its users as elements in a network of transfers. In this article, I study the mobile payment scheme of Movii— the first fintech firm in Colombia operating under a financial non-banking license for electronic deposits and payments. Based on a unique dataset of bilateral transfers between Movii’s mobile wallet users, I build, visualize and analyze Movii’s networ
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Arango-Arango, Carlos A., Ana Carolina Ramirez-Pineda, and Manuela Restrepo-Bernal. Person-to-business Instant payments in Colombia: would it stick? Banco de la República, 2022. http://dx.doi.org/10.32468/be.1192.

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More than 60 countries in the world have already implemented instant payment systems (IPS). However, in many cases they have been operational mainly for person-to-person transactions. This study looks at the challenges IPS may face in developing economies like Colombia as they advance further into the person-to-business transactions space. Using a survey on Colombian merchants (IV-2020), the study explores the factors associated with merchants´ propensity to adopt instant payments and those associated with the adoption of current electronic payment alternatives. It shows that IPS will need to
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León-Rincón, Carlos Eduardo, and Fabio Ortega. Nowcasting economic activity with electronic payments data: A predictive modeling approach. Banco de la República, 2018. http://dx.doi.org/10.32468/be.1037.

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Tinta, Jule Kaïni, Mouhamed Zerbo, Fabrizio Santoro, Awa Diouf, and Kèrabouro Pale. Electronic Services and Tax Compliance: Evidence from Medium and Small Businesses in Burkina Faso. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.099.

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African governments are increasingly digitalising their tax systems, with the hope of raising more revenue through digitalisation. This paper investigates the adoption and impact of electronic services on tax outcomes, focusing on small and medium enterprises (SMEs) in Burkina Faso. We focus on three indicators of e-service adoption by taxpayers – namely registering for the eSINTAX platform, using it for e-filing (called eSINTAX filing), and paying taxes digitally (called tax epayment). We rely on survey data from 1,090 SMEs and tax administrative data of about 17,000 SMEs on eSINTAX, tax retu
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Masuku, Phindile T., Ziyanda Dlamini, and Fabrizio Santoro. Understanding the Tax Payment Compliance of Companies: Evidence from Eswatini. Institute of Development Studies, 2025. https://doi.org/10.19088/ictd.2025.040.

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Corporate income tax (CIT) compliance is a critical aspect of maintaining a fair and robust tax system. It ensures that businesses fulfil their legal tax obligations and contribute their fair share to public finances. However, achieving high compliance rates is often challenging due to various factors including, among others, the complexity of the tax system, economic factors (income levels, audit probabilities, liquidity constraints, tax benefits etc.) and businesses’ perceptions about the tax system and government. The Eswatini Revenue Service (ERS) database was used to access returns and pa
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Carreras, Marco, Awa Diouf, and Hannelore Niesten. The Ghana E-Levy: Impact on the Usage of Mobile Money. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.060.

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Ghana introduced an electronic transaction levy (E-Levy) on digital financial transactions in May 2022, following many other countries in Africa. Our paper looks at the impact of the E-Levy on mobile money usage and user perceptions. We use data from the Ghana Chamber of Telecommunications (GCT) on usage of several mobile money services (sending, receiving, payments, and withdrawals), and nationally representative survey data collected by the ICTD on individuals and businesses.
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Derrick, Fossong, Ashu Mc Moi Ndi, and Fabrizio Santoro. Digital Tax Policy and Tax Revenue Collection in Cameroon. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.001.

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Many African countries have made significant progress in digitalising tax administration. Recent research has shown promising evidence around the impact of digital solutions, such as electronic filing, on tax compliance and revenue generation. Very little, however, is known about how digitalisation could strengthen local tax administration, and how subnational government levels could benefit from broader national digitalisation reforms. The case of Cameroon illustrates how local tax administrations can struggle to benefit from technology. The digital tax policy (DTP) was adopted in Cameroon in
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Megersa, Kelbesa, Fabrizio Santoro, Adrienne Lees, et al. Technology and Tax: Adoption and Impacts of E-services in Rwanda. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.029.

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Abstract:
Many low-income countries are increasingly digitising their tax services, which can bring a range of benefits, from reducing compliance costs and improving record-keeping, to limiting opportunities for corruption and increasing fairness in the tax system. However, the success of these benefits depends on adequate levels of awareness and adoption of e-services among taxpayers; where these levels are suboptimal, tax e-services may produce only partial benefits. This paper examines the extent of awareness and uptake of tax e-services in Rwanda from a pre-pandemic situation up to two years into th
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