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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 (December 1, 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 country. Over the decades, the payment systems in Georgia have evolved significantly in line with the technological advancement. Significant progress has been achieved in improving the e-payment systems infrastructure. The evolution of e-payments in Georgia can be characterized by the following: debit (including prepaid) and credit cards, credit and debit transfers compose a core set of noncash payment types commonly used today by consumers and businesses. These core noncash payment types are used both in traditional ways, such as in-person purchases, payroll deposits, and bill payments, and in innovative ways, such as contactless and mobile payments, e-commerce and online bill payments. Using the economic-mathematical analyses of the information taken from the web-page of the National Bank of Georgia and commercial banks’ publications, a mathematical model was built, based on which the positive relationship between e-payments and economic growth in terms of real GDP was shown.
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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 (May 3, 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 fraud risks. Finally, the article compares current domestic regulations with these recommendations. Findings The fraud incidents and the speed of penetration of new fraud techniques and methods caught the attention of payment service providers, customers, supervisors and overseers. The result of their cooperation is the European Forum on the Security of Retail Payments. The forum elaborated three sets of recommendations on security of Internet payments, payment account access services and mobile payments, which are missing elements of the present Hungarian and pan-European regulations. Both domestic and international regulators should build on the revised Payment Services Directive and the recommendations in question, to avoid fraud incidents like the one this article initially portrayed. Originality/value The article presents a specific, true case which took place in Hungary in 2014.
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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 (August 12, 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 payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services.
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Schudelaro, A. A. P. "ELECTRONIC PAYMENTS." Computer Law & Security Review 17, no. 2 (March 2001): 105–9. http://dx.doi.org/10.1016/s0267-3649(01)00205-9.
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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 electronic payment instruments in the calculation of foreign and domestic experience, which includes three main stages: Stage I (end of the XVIII century – end of the XIX century) formation of legal preconditions for the birth of the first electronic payment instruments in the form of promissory notes and cheques, as well as payment documents on the basis of clearing; Stage II (XX century) electrification of payment transactions with the support of their electronic means of payment (bank cards, mobile payment instruments), electronic purses for initiating payments, as well as the use of the first electronic money in order to pay for goods and services. Stage III (XXI Century – nowadays) digitization of payments, characterized by the active use of contactless chipped cards, contactless mobile instruments, electronic money, electronic payment means based on widespread electronic payments in the world of electronic payment ecosystems, such as PayPal (1998), Payoneer (2005), Skrill (2001), Stripe (2009), TransferWise (2010), etc., virtual money in the form of virtual currencies, Quick Response codes, and the introduction of digital currencies of central banks. The suggested periodization of the evolution of electronic payment instruments is based on historical facts, economic conditions, the introduction of the latest financial technologies, national preferences, and the legislation development in the field of payments. At the same time, the genesis specificity of the use of electronic payment instruments in Ukraine is conditioned by the imperfect special law on payment systems and the transfer of funds, which, unfortunately, does not meet the current international and European Union standards. Therefore, there is an urgent need to reform outdated domestic legislation in the field of payments by adopting a new Law of Ukraine «On Payment Services». Keywords: electronic payment instrument, electronic means of payment, use of electronic payment instruments, electronic payment instruments evolution, financе law.
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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 the electronic payment activities in Ukraine. Purpose. The purpose of this article is to study the development and status of electronic payment systems and their development in Ukraine. Method (methodology). The main tasks of the research are to consider the general theme of the work of electronic payment systems on the territory of Ukraine; analyze the dynamics of electronic settlements in Ukraine; to substantiate the basic principles of the activity of electronic payment systems; to identify the advantages and disadvantages of electronic payments. Results. The use of electronic payment systems is an extremely positive step towards the economic development of the state. After all, the rapid and effective development of electronic payment systems in Ukraine with the use of international advanced information has a number of advantages for the state economy as a whole and for the individual user in particular: reduction of cash circulation, increase of credit resources, development and wide access to the financial system, etc. It should also be noted that one more important advantage of electronic payments is saving time and minimizing fraud risks.
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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 payment systems, the issue of identifying obstacles to the development of such payment systems is urgent, especially in view of the need to ensure effective oversight of payments and the deduction of payments. Purpose. The study of the main problems of development of non-banking payment systems in Ukraine in terms of their structural features and importance for the development of the national economy, as well as the development of recommendations for improving the right regulation of payment transactions with electronic money and cryptocurrencies. Results. The features of the development of non-bank payment systems in Ukraine are investigated. The author classification of non-bank payment systems is offered. The main directions of development of electronic payment systems in Ukraine are identified and the obstacles to the integration of international electronic payment systems providing cryptocurrency payment services are highlighted. Measures to improve domestic legislation in the field of electronic payment and cryptocurrency based electronic payment systems are proposed, as well as recommendations on the creation of a state non-banking electronic payment system using blockchain technology to increase transparency and public procurement payments paying taxes.
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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 payment instruments in the calculation of foreign and domestic experience, which includes three main stages: Stage I (end of the XVIII century – end of the XIX century) formation of legal preconditions for the birth of the first electronic payment instruments in the form of promissory notes and cheques, as well as payment documents on the basis of clearing; Stage II (XX century) electronization of payment transactions with the support of their electronic means of payment (bank cards, mobile payment instruments), electronic purses for initiating payments, as well as the use of the first electronic money in order to pay for goods and services. Stage III (XXI Century – nowadays) digitization of payments, characterized by the active use of contactless chipped cards, contactless mobile instruments, electronic money, electronic payment means based on widespread electronic payments in the world of electronic payment ecosystems, such as PayPal (1998), Payoneer (2005), Skrill (2001), Stripe (2009), TransferWise (2010), etc., virtual money in the form of virtual currencies, Quick Response codes, and the introduction of digital currencies of central banks. The suggested periodization of the evolution of electronic payment instruments is based on historical facts, economic conditions, the introduction of the latest financial technologies, national preferences and the legislation development in the field of payments. At the same time, the genesis specificity of the use of electronic payment instruments in Ukraine is conditioned by the imperfect special law on payment systems and the transfer of funds, which, unfortunately, does not meet the current international and European Union standards. Therefore, there is an urgent need to reform outdated domestic legislation in the field of payments by adopting a new Law of Ukraine «On Payment Services».
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Bapat, Dhananjay. "Customer Relationship for Electronic Payment Products." Global Business Review 13, no. 1 (January 17, 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 offered by banks for various electronic payment products. The author uses primary banks as a measure for customer relationships, and assesses the relationship between primary bank and various variables. It is observed that age, asset class—two wheeler and asset class—four wheeler, debit cards and Internet banking exhibit association with primary bank. Relationship is also established between a primary bank and relationship tenure of more than 10 years. Among communication sources of electronic payment products, word-of-mouth publicity is found to be an important factor.
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Polovenko, Liudmyla, Svitlana Merinova, and Kateryna Kopniak. "The development of electronic payment systems in Ukraine and their security." VUZF Review 6, no. 2 (June 29, 2021): 146–52. http://dx.doi.org/10.38188/2534-9228.21.2.17.
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The paper is devoted to the study of innovations in the market of modern payment systems. The pandemic and quarantine restrictions have accelerated the expansion of the payment infrastructure in Ukraine, which in turn raises the issue of security of electronic payment systems. Ukrainians are more actively switching to electronic payments. At the same time, the trend of growing popularity of contactless payment instruments and settlements with them continues. A comparative analysis of the security of payment systems using electronic technologies in the implementation of money transfer services in Ukraine has been performed. The components of the payment system, information security measures in the electronic payment system have been also considered. The schema of electronic payments and the block diagram of the information protection subsystem of electronic payment system have been constructed. The criteria for assessing the security of the electronic payment system have been determined. A total of fifteen safety criteria have been identified, they are divided into six groups according to the degree of safety. Six electronic system payments were used for the study and the research results have been presented in this paper. The tendencies of development of electronic payment systems in modern conditions and ways of improvement of their activity taking into account the newest information technologies have been outlined.
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Tan, Kendry, and Hari Sutra Disemadi. "Urgency of Electronic Wallet Regulation in Indonesia." Nagari Law Review 5, no. 1 (October 31, 2021): 1. http://dx.doi.org/10.25077/nalrev.v.5.i.1.p.1-14.2021.
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The payment system in Indonesia has undergone significant changes to date. Starting from the barter system to the existence of an electronic payment system. This change is caused by the development of technology, which has an impact on changing people's lifestyles. The payment system has been known to the public since 2014 when Bank Indonesia issued the National Non-Cash Movement (GNNT) policy. This policy aims to create a cashless society eco-system while at the same time introducing the advantages of electronic payments to the public. Electronic payments are considered safer, more efficient, and easier to track. However, electronic payments are also inseparable from their shortcomings. The electronic payment system, which is relatively new in Indonesia, will face several problems, especially with the legal system. Until now, there has been no law specifically regulating electronic payment systems, specifically E-wallet. This legal vacuum will cause problems both in terms of security and legal protection for users. This study aims to find out the problems that will arise from the E-wallet and provide solutions to the problems raised from a legal perspective. The research method used is normative juridical, using a conceptual approach and a statutory approach to review E-wallets in Indonesia. The results of this study indicate that several problems arise from electronic payments. Therefore, regulations are needed to protect user security, oversee the smooth implementation of E-wallet and maintain Indonesia's economic stability.
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DUDIN, Mihail Nikolaevich, Vadim Nikolaevich ZASKO, Evgeniya Evgenevna FROLOVA, Natalya Georgievna PAVLOVA, and Ekaterina Petrovna RUSAKOVA. "Mitigation of Cyber Risks in the Field of Electronic Payments: Organizational and Legal Measures." Journal of Advanced Research in Law and Economics 9, no. 1 (September 19, 2018): 78. http://dx.doi.org/10.14505//jarle.v9.1(31).11.
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The issues of ensuring the electronic payments’ security are currently in the limelight of participants in the monetary system and the scientific expert community. The goal of this paper is to develop organizational and legal measures aimed at improving the security of electronic payments in the Russian Federation.
Research methods include the analysis of retrospective data describing the development of the payment system and electronic payments using bank cards, as well as the method of statistical observations and analysis of secondary data from surveys of Russian and foreign companies covering the information security.
Through solving the research problems, the author managed to draw a number of conclusions:
Dynamic development of the electronic payment system causes the growth of cybercrime and cyber risks in payment systems;
Despite quite active actions of state bodies and the Bank of Russia, the legal framework and infrastructure for electronic payments are still in the development stage;
Cyber attacks cause significant damage not only to financial institutions, but also to companies from a non-financial sector, as well as to ordinary citizens using electronic payment systems.
In the opinion of the author, the key organizational and legal measures aimed at mitigating cyber risks in electronic payments may be measures to form the centralized payment infrastructure of the Bank of Russia, introduce the corporate cyber threat management systems, improve policies and procedures for the protection of personal data at the corporate level, as well as train the employees in the field of information security of electronic settlements.
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Kara-ool, A. L., and A. I. Shmyreva. "Evaluating the development of electronic payment means in Russia." Finance and Credit 26, no. 6 (June 29, 2020): 1264–82. http://dx.doi.org/10.24891/fc.26.6.1264.
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Subject. The article presents the methodological approach to evaluating the development of electronic means of payment. Objectives. We formulate the methodological approach to evaluating the development of electronic means of payment. Methods. We apply methods of statistical analysis, abstraction, induction, analysis ans synthesis. The methodological and theoretical framework comprises proceedings of the Russian scholars on the theory and practice of cashless payments. Results. The article sets forth the methodological approach to evaluating the development of electronic payment means. We devised metrics describing the development of electronic payment means. The findings are applied by the Ministry of Finance of the Tyva Republic, and the Department of the National Bank for the Tyva Republic – the Central Department of the Central Bank of the Russian Federation. Conclusions and Relevance. The findings can serve for improving cashless payments at the regional level or nationwide. The conclusions and methodological approach are practicable for the theory of cashless payments and operations of national financial institutions.
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Buck, S. Peter. "From electronic money to electronic cash: payment on the Net." Logistics Information Management 10, no. 6 (December 1, 1997): 289–99. http://dx.doi.org/10.1108/09576059710187429.
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The discussion of online payments, while ultimately being a key issue for the future Information SuperHighway, is as significant now as it ever will be. The explosive increase in the use of the Internet has seen the emergence of commercial services and pressures previously restricted to Compuserve and the like. Many predictions see this burgeoning electronic marketplace becoming a significant component of the world economy. However this can only happen once two key problems have been addressed, namely, protecting property rights and Making payments. This has led to a frantic battle for payment mechanisms that can provide the new medium with the means of conducting transactions. Briefly examines the inexorable evolution of money into electronic forms and discusses the alternative types of payment mechanisms proposed, on trial or in use on the Internet. Identifies the key commercial requirements that successful use of the Internet will impose on a payment mechanism, and use these requirements to evaluate each of the mechanisms to determine which (if any) are really suitable for electronic commerce.
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Espeleta, Rina Marie. "Utilization of Standard Electronic Payment System among Private Higher Education Institutions in the Province of Albay." JPAIR Multidisciplinary Research 50, no. 1 (October 3, 2022): 140–58. http://dx.doi.org/10.7719/jpair.v50i1.571.
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Electronic Payment Systems, the transfer of funds through electronic or digital mediums. Several electronic payment options are available, including mobile wallets, bank cards, and mobile banking. Electronic payments are quick and efficient, and the fund transfer occurs instantly. Electronic payments are quickly gaining popularity in the Philippines, giving students a secure and practical means to pay for enrolment fees and other educational costs as schools adopt alternative learning techniques. The purpose of this research is to determine the status of electronic payment in the selected Private Higher Education Institutions (PHEIs) in the second district of Albay and propose a systematic model that HEIs can adopt to lessen the costs and risks of handling cash transactions. The study used a mixed method, the qualitative and quantitative research design, to analyze and hence boost the validity of the data. According to the data presented, the GCASH application is one of the most used applications when paying online. It is more accessible and less hassle to use. Furthermore, using the Kendall Coefficient of Concordance, the perception of the selected private HEIs has shown a significant correlation to each other, resulting in a rare use based on the data analysis. The selected private institutions currently take electronic payments. Still, they have not yet thought about giving students and parents the most control over those payments online, and schools are still adapting electronic payment systems.
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Bakšys, Donatas, and Leonidas Sakalauskas. "MODELLING OF INTERBANK PAYMENTS." Technological and Economic Development of Economy 12, no. 4 (December 31, 2006): 269–75. http://dx.doi.org/10.3846/13928619.2006.9637753.
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Non‐cash payments are intensively growing in the payment market. Therefore modern electronic systems of interbank payments are introduced to satisfy this need. The substantial renewal of the payment system was prompted for the implementation of the new banking technologies and aimed at increasing fund turnover as well as complying with the requirements applied in regard of payment systems. Such a system change is a topical theme of discussion on the simulation and analysis of systems of such kind. The article analyses the opportunities for simulating the interbank payment system and presents a model of interbank payments flow. The model is constructed on the analysis of real flow of payments in the payment system.
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Deák, Vivien, László Kajdi, and István Nemecskó. "Analysis of Retailer and Corporate Payment Habits in Hungary." Financial and Economic Review 20, no. 2 (2021): 33–59. http://dx.doi.org/10.33893/fer.20.2.3359.
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The study looks at the payment habits of retailers and companies in Hungary, especially the acceptance and share of electronic payments in 2019. In doing so, data from two questionnaire-based surveys and the online cash register database are analysed using statistical methods, decision trees and regressions. The results show that retailer payments are typically cash intensive, while credit transfer transactions dominate at companies. The factors with the largest impact on card acquiring and the share of cash at points of sale is sales revenue and the value of the purchase in the case of retailers, and the proportion of cash wage payments in the case of companies. Costs also play an important role in card acquiring, therefore instant payment, which provides cheaper electronic payment solutions, could be crucial when it comes to smaller retailers and companies offering electronic payments. Public policy measures could mainly target retailers and the micro and small enterprise segment.
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Susanto, Eko, Ikin Solikin, and Budi Supriatono Purnomo. "A REVIEW OF DIGITAL PAYMENT ADOPTION IN ASIA." Advanced International Journal of Business, Entrepreneurship and SMEs 4, no. 11 (March 1, 2022): 01–15. http://dx.doi.org/10.35631/aijbes.411001.
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Digital payments have changed people's financial behavior, particularly in Asian countries. The expansion of the internet network and the intensification of gadget functions have grown digital payment systems in mobile payments, internet banking, QR Codes, and electronic payments. Using a Systematic Literature Review, the study examined various Scopus articles from Asian countries to obtain an overview of the factors that influence the adoption of digital payments. We analyzed 597 digital, electronic, and mobile payment articles. TAM and UTAUT were found to be the most widely found theories to significantly affect user intent and even the continuity of digital payment use. While in the method, the structural equation model becomes the most widely used analytical method in various scientific publications related to this topic. This study has found internal and external factors from users in the adoption process of digital payments, including trust, perceived risk, satisfaction, security social influences, and facilitation conditions. Interestingly, some of these factors were insignificant in some studies due to differences in digital payment products that were the object of the study, respondents, and differences in research methods and approaches.
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Nazarova, Iryna. "Definition, accounting and information support of electronic settlements." Herald of Economics, no. 3 (October 21, 2022): 123. http://dx.doi.org/10.35774/visnyk2022.03.123.
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Introduction. The expansion and permanent improvement of the electronic payments field require a revision of the accounting principles of electronic settlements and improve their information and accounting support.The purpose of the article. The aim of the study is to identify the prospects for digitalization of non-cash payments in business in the international and Ukrainian markets of payment services, information and accounting support of electronic payments and development of proposals for their improvement.Methods. The theoretical and methodological basis of the research is the general scientific, special and empirical methods of cognition processes and phenomena. The comparative analysis method, method of scientific abstraction, statistical and logical methods are used in article.Results. As a result of research, the definition of electronic payments was clarified and it was proposed to introduce the concept of “electronic settlements” in accounting terminology. Possible formats of electronic settlements between market participants are substantiated. Options for e-commerce and settlements in the form of separate blocks are presented, each of which differs in a special way of making electronic payments and registration of transactions in the accounting system. The use of unified forms of standard documents is proposed, which would serve as a legal basis for making entries in the system of accounting and reporting. The practical implementation of these recommendations will allow businesses to choose a profitable option for electronic payments and display electronic settlements in the accounting and reporting system.Perspectives. Further research requires a procedure for documentary or undocumented confirmation of electronic payments and electronic settlements.
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Sylvester Afaha, John. "Electronic Payment Systems (E-payments) and Nigeria Economic Growth." European Business & Management 5, no. 6 (2019): 77. http://dx.doi.org/10.11648/j.ebm.20190506.11.
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Valentino, John, and Rezi Erdiansyah. "Customer Brand Engagement Pengguna Electronic Payment." Prologia 7, no. 1 (March 29, 2023): 207–12. http://dx.doi.org/10.24912/pr.v7i1.21282.
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The use of electronic payments is increasingly widespread. In this case, digital payment users in Indonesia are already quite high and various e-wallet companies are also competing to become leaders in providing digital payment services.) Electronic payments must be trusted for their safety and must also be able to facilitate human activities in using them. Research This study aims to determine the effect of social media marketing and brand trust on customer brand engagement (a case study of electronic payment users). The theory used is the theory of marketing communications, social media, brand trust, and consumer engagement. This research uses quantitative methods. The data collection technique used is by using a questionnaire. The method used is to distribute questionnaires via the Google form by distributing them online to people who have used electronic payments. The population of this study are electronic payment users and the sample used is 100 samples. The results of this study are that Social Media Marketing and Brand Trust have an influence on customer brand engagement in electronic payment users. Penggunaan electronic payment semakin meluas. Dalam hal ini pengguna pembayaran digital di Indonesia memang sudah tergolong cukup tinggi dan berbagai perusahaan e-wallet juga berlomba untuk menjadi pemimpin dalam penyediaan jasa pembayaran digital.) Electronic payment ini harus bisa dipercaya akan keamanannya dan juga harus bisa memudahkan aktivitas manusia dalam menggunakannya.Penelitian ini bertujuan untuk mengetahui pengaruh pemasaran media sosialdan kepercayaan merek terhadap customer brand engagement (studi kasus pengguna elctronic payment). Teori yang digunakan adalah teori komunikasi pemasaran, sosial media, kepercayaan merek, dan keterlibatan konsumen. Penelitian ini menggunakan metode kuantitatif. Teknik pengumpulan data yang digunakan yaitu dengan menggunakan kuesioner. Cara yang digunakan adalah menyebarkan kuesioner melalui google form dengan menyebarkan secara online kepada orang yang pernah menggunakan electronic payment. Populasi dari penelitian ini adalah pengguna electronic payment dan sampel yang digunakan berjumlah 100 sampel. Hasil dari penelitian ini adalah Pemasaran Media Sosial dan Kepercayaan Merek mempunyai pengaruh terhadap customer brand engagement dalam pengguna electronic payment.
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Nazarova, Iryna. "Evolution of accounting and information systems cashless payments." Herald of Economics, no. 4 (March 16, 2022): 211. http://dx.doi.org/10.35774/visnyk2021.04.211.
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Introduction. Digitalization of the market economy creates conditions for minimizing cash payments. The abandonment from cash payments is justified by positive trends in: distancing e-commerce, the use of cashless payment systems and pandemic changes in socio-economic processes. Changes in the cash payments methods require the introduction of accounting and information systems for electronic recording of money operations, accounting and reporting of payment transactions, guarantees for the safety and control of cashless money.Purpose. The aim of the article is to research the evolution of accounting and information systems in the implementation of cashless payments in international and domestic markets for payment services, theoretical justification of the definition of «cashless payments» and develop proposals for their streamlining.Method. Methods of scientific research are: systematic approach to the study of economic processes, elements of the theory of scientific knowledge, dialectical method to determine the essence of cashless payments; historical - to research the evolution of cashless payments; analytical - to assess modern information systems for the organization and accounting of cashless payments.Results. The research of the cashless payments evolution shown the permanence changes in the methods of conducting money transactions. The accounting and information system of enterprises and corporations must timely respond on innovative transformations. The article improves and regulates the elements of the conceptual apparatus for cashless payments using bank payment cards, electronic money and other modern payment methods for the developing of their registration and reflection in accounting and reporting. Perspectives. Technological progress and the COVID-19 pandemic have become the driving force of society’s transition to expanding the cashless payment regime. Technologies for remote banking and non-banking payment systems are permanently improving. Accounting and information systems for providing complete and objective information to business and society should be in line with this progress.
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Vasylenko, Oleksandr. "Electronic payment system as an object of criminal encroachment." Yearly journal of scientific articles “Pravova derzhava”, no. 32 (2021): 515–22. http://dx.doi.org/10.33663/0869-2491-2021-32-515-522.
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Introduction. In recent years, the number of payment transactions carried out using electronic payment systems has grown rapidly. Despite the steady growth of electronic payments among both individuals and legal entities, a number of problems remain unresolved, which primarily include ensuring the security of electronic payment transactions by the state at the legislative level and the development of effective means of combating and preventing crime. in the specified area. The current criminal legislation contains certain rules that can ensure the security of the electronic payment system. But insufficient research of some theoretical aspects of criminal liability for this type of criminal offenses significantly reduces the effectiveness of criminal law protection of this area of life. One such aspect is the theoretical uncertainty of the object that falls under the protection of criminal law. In particular, there is a lack of theoretical definition of the system of electronic payments in terms of the object, which is placed under the protection of criminal law. The aim of the article. The importance of the researched problems and the need to increase the efficiency of the current Criminal Code of Ukraine determine the purpose of this study, which is to define the concept of electronic payment system as an object of criminal protection. Results. Criminal offenses committed in the system of electronic payments belong to a qualitatively new type of mercenary crime in the banking sector, which is directly related to the modernization of economic relations in society. They cover the sphere of economic interests of the state as a whole, individual legal entities, as well as individuals who use the electronic payment system in their own interests. There is a need to develop a universal criminal law terminology in order to improve the regulatory framework governing relations in the field of electronic payments. Unfortunately, the definition of electronic payment system (electronic payment system) has not been properly developed either in the financial and economic sphere or in jurisprudence, and the existing definitions are not clear and contain a list of essential features of such systems. Conclusions. The system of electronic payments as an object of criminal encroachment - is regulated by law the order of public relations for the transfer of funds between participants in the payment system through a special payment mechanism, which is a set of methods, tools, methods to make calculations for effective and safe transfer of funds from the payer to the recipient in time and space and regulated by a special law and payment rules, are implemented on the basis of the contract against which the criminal encroachment is directed. This definition indicates the specifics of the electronic payment system as an object of crime, and also contains a list of all the most important features of this system, which will further contribute to the correct classification of crimes committed in this area.
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Sunil, Shisode Vikas, and Dr Nidhi Nalwaya. "Digital Payment Systems – An Overview of Categories and Extant Opportunities and Challenges." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (April 30, 2023): 211–17. http://dx.doi.org/10.22214/ijraset.2023.50019.
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Abstract: The payments industry is changing as a result of mobile payments. These services give non-banking actors a way to break into the sector. Banks, who are already involved in the traditional payments sector, must provide mobile payments in order to meet this threat. Right now, we're in a digital era. India is about to see a significant digital revolution. The increasing connectivity that the Internet provides in today's society has altered the way that money is exchanged. The use of several technologies, including smartphones, computers, iPads, tablets, and the internet, has advanced dramatically in India. Smartphones and government initiatives like Digital India are acting as catalysts for the exponential growth in the use of digital payment as a result of the increase in internet users. In India, efforts are being made to switch to electronic payments. A digital payment system is one that processes payments through digital channels and an electronic network. Every transaction involving digital payments is completed online. It is a speedy and useful way to pay. With the aim of promoting cashless transactions and turning the Indian economy into a digital one, a number of digital payment options are available, including banking cards, USSD, UPI, AEPS, mobile wallets, POS terminals, Micro- ATMs, the internet, mobile banking, and BHIM.
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Rahma, Haliza Nur, Dwi Rahma Hanum, Adhe Vitha Noviyanti, and Nanik Kustiningsih. "F. PENGGUNAAN ELECTRONIC PAYMENT SEBAGAI SOLUSI PEMBAYARAN PADA UMKM SERENDIPITY SNACK DITENGAH PANDEMI COVID-19." Inovasi Manajemen dan Kebijakan Publik 4, no. 2 (December 6, 2021): 71. http://dx.doi.org/10.54980/imkp.v4i2.161.
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Abstrak : Perkembangan teknologi membuat semua hal menjadi lebih muda termasuk dalam hal bertransaksi. Salah satu inovasi baru yg muncul saat ini adalah digital payment. Digital payment termasuk salah satu cara pembayaran yang sangat praktis dan fleksibel, karena dilakukan via internet. Dengan adanya digital payment setiap orang bisa dengan mudah bertransaksi tanpa bersusah payah pergi ke ATM ataupun menemui penjual secara langsung untuk meminimalisir penyebaran virus covid-19. Serendipity snack yang baru memulai usaha juga menerapkan sistem digital payment sebagai inovasi baru dalam pembayaran produk. Penelitian ini bertujuan untuk mengetahui dampak optimalisasi digital payment, apakah efisien dan menguntungkan bagi pembeli dan penjual pada UMKM Serendipity Snack ditengah pandemi. Metode yang digunakan dalam penelitian ini menggunakan metode deskriptif kualitatif agar bisa memberikan pemahaman yang lebih mendetail serta dengan hasil yang diperoleh sangat efisien ketika transaksi. Hasil dari penelitian ini menyatakan bahwa digital payment dapat memberikan kemudahan bagi customer untuk melakukan pembayaran ditengah pandemi karena meminimalisir kontak fisik, selain itu penggunaan digital payment juga memudahkan penjual dalam bertransaksi karena penjual tidak lagi dipusingkan dengan uang kembalian sehingga lebih mudah dalam pembukuan transaksi.
Kata Kunci : Digital Payment, transaksi
Abstract : The development of technology makes all things easier, including in terms of transactions. One of the new innovations emerging today is digital payment. Digital payment is one of the most practical and flexible payment methods, because it is done via the internet. With digital payments, everyone can easily transact without bothering to go to ATMs or meet sellers directly to minimize the spread of the covid-19 virus. Serendipity Snack, which has just started a business, has also implemented a digital payment system as a new innovation in product payments. This study aims to determine the impact of optimizing digital payments, whether it is efficient and profitable for buyers and sellers on Serendipity Snack SMEs in the midst of a pandemic. The method used in this study uses a qualitative descriptive method in order to provide a more detailed understanding and the results obtained are very efficient during transactions. The results of this study state that digital payments can make it easier for customers to make payments in the midst of a pandemic because it minimizes physical contact, besides using digital payments also makes it easier for sellers to transact because sellers are no longer bothered with change so it's easier to book transactions.
Keywords: Digital Payment, transaction
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Trofimov, D. V. "Financial technologies in the field of retail payments: Current trends and perspectives in EU and Russia." Voprosy Ekonomiki, no. 3 (March 28, 2018): 48–63. http://dx.doi.org/10.32609/0042-8736-2018-3-48-63.
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The article analyzes tendencies of national payment systems development in the European Union and Russia: electronic and deposit money, bank cards, financial technologies in the field of retail payments. The author identifies factors that stimulate the development of cashless retail payments and the national payment card systems in the European Union, as well as the problems and prospects of this sector forming in Russia. Recommendations on the development of a competitive environment and financial technologies in the field of retail payments in Russia are proposed.
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Suprapto, Yandi. "ANALYSIS OF FACTORS AFFECTING THE USE OF CASHLESS MOBILE PAYMENT IN MILLENIAL GENERATIONS OF BATAM CITY." Journal of Business Studies and Mangement Review 4, no. 1 (December 31, 2020): 59–65. http://dx.doi.org/10.22437/jbsmr.v4i1.10748.
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The purpose of this study is to determine the factors or influences that lead to the use of cashless mobile payments on the Batam millennial generation. The number of electronic-based payment media provided is expected to be able to create payment transactions that are practical, efficient, safe and encourage the creation of a Less Cash Society (LCS). When compared to Indonesia with other ASEAN countries, the level of use of electronic-based payments in the community is still low. Generation Y or the Millennial generation (15 to 39 years) in 2017 showed a figure of 40.29% or as many as 105,520,300 individuals from 261,890,900 Indonesians considered to have the potential to increase the use of electronic-based payments and encourage public awareness of LCS.
The intention to use cashless mobile payments is the dependent variable. Attitudes, behavioral beliefs, financial costs, security and social influence act as independent variables for this study. Determination of the research object was carried out by purposive sampling method, namely the millennial generation (15 to 39 years) in Batam. Research data collection is based on the questionnaire method, namely electronic and online questionnaires with 230 collected data. The research data were analyzed through multiple regression analysis using SSPSS.
The results obtained indicate that the variables of attitude, security and social influence have a significant positive effect on the intention to use cashless mobile payment, while the variables of behavioral beliefs and financial costs do not have a significant effect on the intention to use cashless mobile payments.
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Lambongang, James Mado. "Assessing the Customer Behaviour in Relation to Electronic Payment Systems (EPS) in Some Ghanaian Banks in the Kumasi Metropolitan Assembly- Kumasi, Ghana." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 3 (July 28, 2023): 156–77. http://dx.doi.org/10.21522/tijar.2014.10.03.art013.
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Although other payment methods are available, like card, cheque, mobile, and online payments, most Ghanaians still use the cash payment system. The study examined how Ghanaian customers felt about using electronic payments. These included determining thesector andctors that influence consumer adoption and use of electronic payment services in Ghanaian banks, examining customer satisfaction with e-payment in the banking sector, and preventing fraud. A sample size of 100 participants was chosen for the study using purposive sampling to select participants from the banks and systematic sampling to select participants from the customers. According to the research’s findings, factors such as usability, security, privacy, the caliber of the after-sales support, marketing mix, and reputation affect consumers’ opinions of electronic payment systems. According to the study, customers are satisfied with the value offered for their banking requirements and the opportunity to experiment with e-payments in the banking sector. The study also found that while customers’ top concerns are trust and security, barriers to e-commerce include a low internet penetration rate, fewer users, expensive and challenging e-commerce technology, and a lack of progress in other supporting industries. Trust and security are significant deterrents against using electronic payment systems. The ability of consumers and banks to reach a larger market and participate in the world payment system is another way that technology can help the economy. Stakeholders should offer the unbanked sufficient assurances of security for utilizing electronic payment systems on their privacy without requiring them to maintain accounts with them. Keywords: Electronic Payment Systems (EPS), Automated Teller Machines (ATMs), Kumasi Metropolitan Assembly (KMA)Payment Portal Services (PPS), Information and Communication Technologies (ICTs), and Central Business District (CBD).
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M, Prakash. "A Study on Consumer Perception Towards Digital Payment." East Asian Journal of Multidisciplinary Research 1, no. 6 (July 27, 2022): 1033–44. http://dx.doi.org/10.55927/eajmr.v1i6.688.
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The digital economy, electronic commerce and electronic banking are now being used by the new technologies and the wider global network, especially internet, within and outwardly. Increasing use of internet, electronic devices and government initiative such as digital India with a vision to transforming India into digital society by cashless transaction. After demonetization in India the digital payment system emerged tremendously. In recent days many changes took place in the payment system like digital wallets, UPI, AEPS, QR code and BHIM apps for smooth shift to digital payments. The study investigates a customer’s perception towards Digital payments. The structured questionnaire was used as research tool for understanding consumer perception of digital payment. Primary data was collected from respondents in Ramanagara district and Bangalore district.
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Qiu, Fenghua, and Yunqian Tan. "Discussion on the Development of Mobile Payment Technology in the Era of Digital Economy- Taking Tencent as an Example." BCP Business & Management 36 (January 13, 2023): 135–41. http://dx.doi.org/10.54691/bcpbm.v36i.3400.
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Mobile payment means that mobile clients use mobile phones and other electronic products to make electronic currency payments. Mobile payment effectively combines the Internet, terminal devices, and financial institutions to form a new payment system. Mobile payment can not only make monetary payments, but also pay for living expenses such as phone bills, gas, water and electricity. Mobile payment has created a new way of payment, making electronic money popular. At present, the two-dimensional code has many drawbacks, and the addition of the blockchain can reduce the shortcomings of the two-dimensional code, so that the society's trust in new things increases. Especially in the initial stage of the integration of blockchain and real industry, the most extensive demand is to increase credit, and its application scenario is to deposit certificates, which is also an important cornerstone for the development of industrial blockchain.
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Kim, Mi-Jin. "Effects of Service Quality of Chinese Electronic Payment Platforms on User Attitude and Behavior." Global Convergence Research Academy 2, no. 1 (June 30, 2023): 71–81. http://dx.doi.org/10.57199/jgcr.2023.2.1.71.
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In recent years, electronic payments have gained wide popularity and become the main payment method for many consumers in China. China's electronic payment user scale continued to expand, and the electronic payment business scale and electronic payment amount continued to increase. Electronic payments have great potential and a wide market. As the user size and frequency of use increase, the volume of electronic payment transactions will continue to grow in the future. This study aims to investigate the effect of electronic payment platform service characteristics on user behavior through Chinese electronic users. A model was presented based on theoretical considerations on the service characteristics of electronic payment platfonns. The purpose of this paper is to find out how the electronic platfom1 and user behavior are related through an empirical analysis of the characteristics of the electronic payment platform. In addition, we want to identify the relationship between user attitude and user behavior. Electronic payment platforms are continuously adapting to the needs of society along with economic development. By analyzing the results of previous studies, the factors influencing the characteristics of electronic payment platforms on user attitudes were selected. This study used SPSS 23 .0 for basic statistics and Smart PLS 4.0, a structural equation program, for hypothesis verification. The electronic payment platform service characteristics were divided into convenience, security, reliability, and responsiveness. The characteristics of electronic payment platform services that affect user attitudes are convenience, security, reliability, and responsiveness. User attitude and user behavior have a positive effect.
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Pahwa, Ashima, and Tilak Raj. "Electronic Payments: Transformation in Payment Style and its Growth in India." RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 10 (October 13, 2022): 24–29. http://dx.doi.org/10.31305/rrijm.2022.v07.i10.003.
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In the present scenario, the way of performing financial transactions by the people is entirely transformed. Consumers briskly switch to cashless payment methods. E-Payment is an innovative and digitalized payment service that refers to payment for financial transactions over the internet. It can be done through cards, with the use of mobile apps, at POS and through P2P transfers. E-modes are operated for different reasons for instance purchase of goods and payment of services, transfer of money, recharges, bill payments, ticket bookings etc. Today the way to shop and pay for it has undergone a complete change worldwide. Electronic transactions in India are increasing year after year and competing with other developed nations in terms of the number of transactions done through e-modes. In the growing and advanced ecosystem of digital transactions, the main drive to conduct this study is to analyze the usage trend of e-payment modes and the overall growth of e-payments during the period of study. The study is based on secondary data that is collected from different sources. The study reveals that demonetization and Covid-19 had a great impact on the usage of the e-payment modes and reported a CAGR of 56.31% in the country in terms of volume of e-payments over 5 years. The proportion of electronic transactions has increased sharply both in terms of volume and value of transactions. Debit and credit cards are always in use in the long run but UPI shows a great hike in its usage from its introduction. In a very short time span, UPI has created its place in the digital market.
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Al-Khouri, A. M. "Electronic Payments: Building the Case for a National Initiative." Advances in Social Sciences Research 1, no. 3 (May 15, 2014): 176–95. http://dx.doi.org/10.14738/assrj.13.221.
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Gayathri, A., and P. Shanmugam. "Digital Payment A Way Forward for Urban Dwellers." Shanlax International Journal of Arts, Science and Humanities 10, no. 4 (April 1, 2023): 6–10. http://dx.doi.org/10.34293/sijash.v10i4.5960.
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A Digital payment, sometimes called an electronic payment is the transfer of value from one account to another using a digital medium. Digital payment has provided opportunity for India to empower its people and make them to use it and overcome the outdated banking system. Digital payments have changed people’s financial behaviour. Now days online becomes daily part of our lives, mainly because it is so convenient. It offers payments satisfaction, convenience, time savings, safety, availability of various vendors and services to the customer. Majority of the vendors prefer G-pay. Students and homemaker also using digital payment service. Applying frequencies and percentages this paper found that usage of online features of digital payments by the respondents and vendor preference on digital payment also offers that customer prefers to digital payment.
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Karunakaran, N., P. Shibu, and M. D. Devasia. "Trend and dynamics of card payment system in India." Journal of Management Research and Analysis 8, no. 4 (December 15, 2021): 193–97. http://dx.doi.org/10.18231/j.jmra.2021.037.
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Payment system in India has undergone a dramatic change in recent years. The payment through cards, using both debit and credit cards, is one of the early innovations in the modern payment system in the country. Several intermediaries are involved in the effective functioning of card payment mechanism. As a result, the card payment infrastructure has grown remarkably well across India. The volume of payments made through these devices as well as the value of card payments increased rapidly in the last two decades. Among the commercial banks, the State Bank of India dominates in the maintenance of ATM infrastructure, the issue of cards and in the volume and value of card transaction. The private sector banks dominate in the installation of POS terminals and HDFC bank tops in the POS credit card transaction. However, the recent trend shows that the transaction through cards as a percentage of total retail electronic payments has been declining in India, as other retail payments platforms have become popular.
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Berdyshev, A. V. "FOREIGN AND RUSSIAN EXPERIENCE OF REDUCTION OF CASH PAYMENTS IN THE ECONOMY." Vestnik Universiteta, no. 4 (May 27, 2019): 146–50. http://dx.doi.org/10.26425/1816-4277-2019-4-146-150.
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The need to reduce cash payments in the national economy has been substantiated. The practical experience of economically developed foreign countries to reduce payments in cash has been analyzed. The features of the policy to reduce cash payments in the Russian economy have been designated. Based on the highlighted factors, determining the pace of development of non-cash and electronic transfers, it has been concluded, that the reduction of cash payments in the Russian economy should be based on the optimal combination of regulatory and administrative measures to limit cash payments and the development of the technological base and payment infrastructure.
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Khan, Imran. "The Electronic Payment Systems in a Developing Economy with Reference to Guyana." TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT 8, no. 1 (February 28, 2022): 26–35. http://dx.doi.org/10.21522/tijmg.2015.08.01.art003.
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The general intention of this Publication is to feature Electronic Payment Systems in a Developing Economy with reference to Guyana and the bearing comprising the advantages in cultivating payment systems while heightening safety, the efficiency of payments, and cost savings. The continuous transformation of a developing economy’s payments system will support monetary growth through the fiscal system for its sustainability and enables proficient financial interposition. This publication further highlights the need for frequent evaluation and supervision for the continuous modernization of electronic payment systems to the benefit and referencing to the developing economy of Guyana. Critical areas that are essential which emphasis have been placed upon but needs further attention in addressing, are as follows: 1. Increase the rate of finalizing a transaction through its related operations within actual or rapid time, as time is money. Currently, the rate of one transaction varies (by hours). 2. Decrease of paper materials and handling costs which generally eases functional cost. 3. Payment assurance and dependable guard against illegal entry to the client’s account in ensuring safe dispensation. This publication has formed the basis to associate investors behind the target to endorse a modern payments system infrastructure that is required for a developing economy with reference to Guyana with the objective of restructuring, empowering discussion and the propelling effect in generating inventive and country-specific electronic payment solutions. It should be noted that a substantial amount of transformation has occurred to date with reference to Guyana.
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Purnanto, Bagas Dwi, and I. Made Sukresna. "Factors That Shape the Intention to Use E-Wallet Electronic Payments on Online Shop Consumers." South Asian Research Journal of Business and Management 4, no. 2 (March 14, 2022): 36–44. http://dx.doi.org/10.36346/sarjbm.2022.v04i02.002.
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Health protocols during a pandemic have required that contactless activities be carried out to prevent the spread of the pandemic. In the field of payment transactions, many consumers have started using electronic payments during the COVID-19 outbreak. This study reveals the factors that encourage consumers to want to use electronic payments, namely risk perceptions, usage intentions, perceived benefits, additional features, consumer loyalty, quality services, perceptions of the usefulness of e-wallet electronic payments. This research method uses quantitative methods using Smartpls. Through a questionnaire, this study obtained answers from 200 respondents who answered completely. The results showed that perceived benefits had a positive and significant effect on consumer loyalty, perceived benefits had a positive and significant effect on intentions to use e-wallet, technical support had no positive and significant effect on intentions to use e-wallet, additional features had a positive and significant effect on intentions to use e-wallet, additional positive and significant effect on consumer loyalty and intention to use e-wallet payment has a positive and significant effect on consumer loyalty.
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Vozniuk, Andrii A., Andrii V. Savchenko, Tetiana Yu Tarasevych, Olexandr O. Dudorov, and Olga A. Klymenko. "Electronic Money and Payments as Means of Committing Crimes." Academic Journal of Interdisciplinary Studies 9, no. 4 (July 10, 2020): 150. http://dx.doi.org/10.36941/ajis-2020-0069.
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The article deals with the main problems of criminal characteristics of electronic money and payments as instruments of crime. The article reveals the economic and legal nature of electronic money (e-money). The features of e-money and its relation to electronic payments are identified. It is proved that intensive development of the IT sector results in an increasing replacement of cash by cashless methods of payment, and e-money is required for making payments online. E-money is previously created in all cases where they are stored on an electronic device and are used as means of payment, therefore they significantly reduce the level of abuse against property. Criminals in the real estate leasing sector use it as a tool when they commit cybercrime - a new place that has been transformed into a powerful source using for crime. Particular attention in this article is paid to the criminal characteristics of electronic money as an instrument of crime. Electronic money has been updated to account for a significant number of offending characters, while these crimes operate in free currency from a non-supported market and move to electronic services, they are used, and may be joined by warehouse resources, which require a criminal law level. It also indicates that e-money is being received by its billing service, and then can be exploited by attackers to trick owners who have already participated in their work. Through this process, using e-money and electronic payment is almost legal and covers the concept of legality. It is disclosed that the main complexity in detecting malicious tools creates electronic money, which makes it difficult to track the traces of such crime, which uses its delays in cyber space. The author also reveals an accurate view of electronic money resources, such as what is more likely to be abused, which is an additional element of criminal execution qualification.
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Imamnazarovna, Allayarova Nargiza. "Aspects Of Legal Regulation Of Electronic Document And Electronic Document Circulation In Business." American Journal of Political Science Law and Criminology 02, no. 11 (November 17, 2020): 8–14. http://dx.doi.org/10.37547/tajpslc/volume02issue11-02.
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This article discusses the provisions of the current legislation of the Republic of Kazakhstan and the Republic of Uzbekistan, regulating the field of electronic document management. The article considered the regulatory legal acts of the Republic of Kazakhstan and the Republic of Uzbekistan, regulating the issues of drawing up an electronic document and implementing electronic document management, such as: the Law of the Republic of Kazakhstan "On electronic documents and electronic digital signature" dated January 7, 2003; The Law of the Republic of Uzbekistan "On Electronic Document Management"; Law of the Republic of Kazakhstan "On Informatization" dated November 24, 2015 No. 418; Law of the Republic of Uzbekistan "On informatization" dated December 11, 2003 No. 560; Law of the Republic of Kazakhstan dated July 26, 2016 No. 11"On payments and payment systems"; Law of the Republic of Uzbekistan dated November 1, 2019 No. 578 "On payments and payment systems". When considering the issue of drawing up an electronic document in electronic document management systems, it is clear that the issue of certifying an electronic document with a seal in the necessary cases has not been settled. For a document to be considered signed and certified with a seal, it is necessary that such a signature and seal be included in the electronic document. Today there is a formal obstacle to the electronic document flow of documents, the creation of which is carried out on special paper forms with coats of arms or emblems. This requirement applies to certain types of statutory, financial documents, notarized documents, etc. In connection with the widespread use of information communications, the problem of information security, the existing systems for storing, transferring and processing information, becomes very important for society. Currently, the prevailing epidemiological situation in the country and in the world has significantly accelerated the exchange of data in electronic form in all spheres of society. Almost all activities of the society have switched to the electronic format of information exchange, including entrepreneurship. We hope that in the Republic of Kazakhstan and in the Republic of Uzbekistan, the development of the digital economy model will have a productive effect on the development of entrepreneurship and help overcome the problems existing in business.
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IBEGHOUCHENE, Saadia, and Ali MOKRANE. "Adoption et utilisation des paiements électroniques en Algérie: étude empirique de la période (2016-2022)." Finance and Business Economies Review 6, no. 3 (September 24, 2022): 553–64. http://dx.doi.org/10.58205/fber.v6i3.563.
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The purpose of this article is to measure the degree of use of electronic payment in Algeria. To do so, we followed a theoretical and empirical approach of the different indicators of electronic payment in Algeria (online payment and payment on TPE) collected from data of GIE Monetics and SATIM. These statistics cover the annual electronic payment activity from 2016 to 2022. The results clearly indicate a considerable increase in the use of electronic payment methods by Algerian households and businesses, which demonstrates that the Algerian population is increasingly interested in electronic payments
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 28, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.130.
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This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.
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Sathyanarayanan R S, Rohith. "A Study on Customer’s Satisfaction on E-Payment with Reference to Thiruvallur District." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 116–24. http://dx.doi.org/10.53422/jdms.2023.101616.
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Invention of computer in 1960’s and later, introduction of www (world wide web) in 1989 led to revolutionary changes in electronic payment system. electronic payment systems evolved, payment process was minimized to just a few simple steps, which can be done at remote locations away from Bank. As the world becomes increasingly digital, the use of electronic payments (e-payments) has grown significantly. With the rise of e-commerce, it has become crucial to ensure that customers are satisfied with their e-payment experiences. This study is focus on the level of satisfaction on electronic payment with quantitative research approach, and data was collected through a structured questionnaire from 120 respondents residing in Thiruvallur. The questionnaire is focused on satisfaction, constraints, influencing factor, usage. The findings of the study shows that UPI is the mode of transaction used for daily use. The research makes use of statistical tools like ANOVA, chi-square and percentage analysis to study the different factors and determine the relationship between the variables
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Humphrey, David B., Moshe Kim, and Bent Vale. "Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice." Journal of Money, Credit and Banking 33, no. 2 (May 2001): 216. http://dx.doi.org/10.2307/2673882.
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Vohnout, Rudolf, Zora Říhová, and Iva Dostálková. "Electronic Payments Profitability Extent Model." Acta Informatica Pragensia 5, no. 2 (December 31, 2016): 192–207. http://dx.doi.org/10.18267/j.aip.94.
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Labak, Alexander. "Growing Europe through electronic payments." Card Technology Today 17, no. 5 (May 2005): 12–13. http://dx.doi.org/10.1016/s0965-2590(05)70305-4.
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Newman, Simon, and Gavin Sutter. "Electronic Payments — The Smart Card." Computer Law & Security Review 18, no. 4 (July 2002): 235–40. http://dx.doi.org/10.1016/s0267-3649(02)00702-1.
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Newman, Simon, and Gavin Sutter. "Electronic Payments — The Smart Card." Computer Law & Security Review 18, no. 5 (October 2002): 307–13. http://dx.doi.org/10.1016/s0267-3649(02)00902-0.
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Rahimah, Afiatur, and Pitri Yani. "THE EFFECTIVENESS OF QRIS PAYMENTS IN AN ISLAMIC PERSPECTIVE BASED ON PADG NO.24/1/PADG/2022." An Nuqud 2, no. 1 (January 31, 2023): 34–39. http://dx.doi.org/10.51192/annuqud.v2i1.426.
Full textAbstract:
Kendari city is a religious city, this is marked by the many mosques built in every corner of the city, one of the mosques that has become an iconic place for the people of Kendari city is the al-alam mosque which was built in 2010 which features beautiful views, the al- Alam is located in the middle of the Kendari Bay sea so that it gives a different feel from other mosques in the city of Kendari, the Al-Alam Mosque is a religious tourism destination that is often visited by both local and foreign tourists. The payment system cannot be separated from the development of money, which started from cash payments to non-cash payments. Many development agencies facilitate transactions that are effective in making payments, one of which is QRIS, which is an electronic money payment application such as an electronic wallet, server based. or mobile banking that is used by users for digital money payments is different. QRIS aims to offer a lot of comfort and convenience for its users with a variety of features that are useful and have advantages that are not in doubt the safety and effectiveness of the QRIS payment system for its users.