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Journal articles on the topic 'Future of Payments'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Chauhan, Madhu, and Isha Shingari. "Future of e-Wallets: A Perspective From Under Graduates’." International Journal of Advanced Research in Computer Science and Software Engineering 7, no. 8 (2017): 146. http://dx.doi.org/10.23956/ijarcsse.v7i8.42.

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This paper study about e-payments specifically mobile wallets. As we all know that after demonetization, there is a tremendous increase in number of e-payments. This paper specifically targets undergraduate students and portrays their preferred mode of payment. It also suggest some steps that should be taken for betterment of e-payment facilities.

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Pooja, Garg, and Rakesh Garg Dr. "THE FUTURE OF PAYMENTS: DIGITAL WALLETS AND CRYPTOCURRENCIES." International Journal of Advance and Innovative Research Volume 11, Issue 1: January - March 2024 (2024): 44–51. https://doi.org/10.5281/zenodo.15283911.

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<strong>Abstract</strong> <em>The landscape of payments is undergoing a rapid transformation, driven by the advent of digital wallets and cryptocurrencies. Digital wallets, such as PayPal, Apple Pay, and Google Pay, offer consumers a more convenient and secure way to conduct transactions using their smartphones and digital devices. Similarly, cryptocurrencies, like Bitcoin, Ethereum, and stablecoins, are emerging as decentralized alternatives to traditional forms of currency, leveraging blockchain technology to enhance security and transparency. Together, these technologies represent the futur

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3

Mützel, Sophie. "Unlocking the payment experience: Future imaginaries in the case of digital payments." New Media & Society 23, no. 2 (2021): 284–301. http://dx.doi.org/10.1177/1461444820929317.

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This article explores sociotechnical imaginaries of digital payments. Drawing on a decade of reports from industry consultants, the analysis of stories on digital payments identifies three sociotechnical imaginaries that shape the banking and payment industry: data monetization, the growth of digital payments, and the payment experience. The article argues that these imaginaries have contributed to the banking industry’s move toward becoming payment platforms, which restructure financial services based on a “re-personalization of money.” In effect, digital payments play a central part in the c

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Nguyen, Xuan Hung, Hoang Duong Nguyen, and Bui Thanh Hang Le. "Factors Affecting Mobile Payment Adoption: A Systematic Literature Review and Some Future Research Directions." International Journal of Research and Review 10, no. 4 (2023): 385–98. http://dx.doi.org/10.52403/ijrr.20230447.

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This study analyzes previously published research on the topic of mobile payments. The authors have selected 85 English-written studies in reliable journals from 2017 to 2022 through various scientific data sources. The objective of this study was to investigate the factors influencing mobile payments adoption. From the results obtained, this research found that Subjective Norms/Social Influence and Facilitating Conditions were the most mentioned in the research on mobile payment adoption. India is the country with the most research on mobile payment adoption, followed by China and Indonesia.

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Goutham, Sabbani. "Unified Payments Interface (UPI) – Digital Future of India." European Journal of Advances in Engineering and Technology 10, no. 10 (2023): 77–80. https://doi.org/10.5281/zenodo.11907624.

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The demonetization and digital India initiatives have given the Indian banking sector more impetus to continue pushing for the widespread use of digital payments. The "Unified Payment Interface (UPI)," which was introduced by the "National Payment Corporation of India (NPCI)" to enable digital payments, is a fantastic, updated, and reasonably priced innovation that makes digital payment services available to everyone. The adoption of mobile payment services by smartphone users, financial institutions, and banks has been signalled by the proliferation of smartphones, technological advancements,

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Bernal-Ramirez, Joaquín F., Carlos A. Arango-Arango, Andrea M. Duarte-Carreño, and Estela Martínez-Herrera. "The payments industry in Colombia : Status and future developments." Journal of Payments Strategy & Systems 19, no. 2 (2025): 185. https://doi.org/10.69554/xyqc5448.

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Colombia is transitioning to a less cash-intensive economy, driven by significant changes in the electronic payments industry. Nevertheless, challenges such as coordination failures, market segmentation and lack of interoperability persist. This paper discusses how the Central Bank of Colombia is proactively addressing these issues through the regulation and consolidation of the fast payments ecosystem. The goal is to make electronic payments widely available for day-to-day transactions by achieving high interoperability between payment service providers and capitalising on network and scale e

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Das, Manoj, and Karnail Singh. "Digital Payment: Transforming the Future of Hospitality and Hotel Industry." Revista Review Index Journal of Multidisciplinary 5, no. 1 (2025): 185–92. https://doi.org/10.31305/rrijm2025.v05.n01.022.

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By increasing visitor convenience and happiness, the use of digital payment systems has drastically changed the hospitality sector. With an emphasis on transaction ease, security, and general happiness, this study investigates how digital payments affect visitors' experiences at Punjabi hotels. UPI and credit/debit cards are the most widely utilized digital payment methods, according to data gathered from 100 hotel customers in a variety of hotel categories. According to research, visitors who regularly utilize digital payment methods express more happiness because of how quick, safe, and effe

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Bernadette, Begino, B. Bien Maricar, M. Carable Trisha, D. Montes Eunice, L. Navalle Elaine, and S. Relucio Keziah. "CASHLESS FUTURE." GPH-International Journal of Business Management 7, no. 12 (2024): 149–69. https://doi.org/10.5281/zenodo.14566987.

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Digital payment methods, including online credit card payments, mobile wallets, electronic cash, and contactless payments, have revolutionized financial transactions in recent years. This study explored the effectiveness of digital wallets in facilitating payments, savings, and investments. A descriptive research approach was employed, utilizing a Google Form survey to collect data on financial behaviors, focusing on using digital wallets for various financial activities. The results revealed that peer-to-peer transfers were frequently used for transactions through digital wallets. Additionall

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Gajdošová, Eva, and Alena Maaytová. "Payments for State Insured Persons in the Czech Healthcare System - New Challenges and Future Perspectives." Socio-Economic and Humanities Studies 8, no. 2 (2018): 25–43. http://dx.doi.org/10.61357/sehs.v8i2.64.

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The paper highlights the importance of payments for state insured persons in the Czech Republic financial and healthcare system, and subsequently, structural components are described. This is a very current issue, as payment is defined only until the year 2020 and the situation after that date remains unclear. The article deals with four possible approaches to the determination of the payments, i.e. how the assessment base for these payments might change in the year 2021. Based on these scenarios and demographical projections, development of this payment is calculated until the year 2030. It c

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Valente, Andrea, and David Atkinson. "Can Bitcoin be the Future of Digital Payments?" Journal of Business and Economics 10, no. 6 (2019): 489–500. http://dx.doi.org/10.15341/jbe(2155-7950)/06.10.2019/001.

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This study aimed to investigate the conditions in which Bitcoin has developed as a leading cryptocurrency and, according to Nakamoto (2008), could become an instrument for everyday payments around the world. In comparison to other digital payment solutions, Bitcoin is based on a peer-to-peer electronic cash system using “the blockchain”. This innovative technology allows for decentralised storage and movement of currency in a fully anonymous way, introducing advantageous methods for encrypted security and faster transactions (Hagiu & Beach, 2014). Scepticism regards Bitcoin’s foundation, e

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Dhoke, Satish. "Digital Payment System in India: Development and Future Consideration." Studies in Indian Place Names 40, no. 38 (2020): 219–24. https://doi.org/10.5281/zenodo.10451412.

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<strong>Abstract:</strong>This research paper aims to explore in India a digital payment system, and thus identify development and future consideration. The paper discusses conceptual framework, digital payment platforms, instruments and services available in the economy and their robustness. The also defines strategies to overcome the challenges faced by the economy in digitizing the financial system.The present research paper is focusing on the impact of these new digital paymentsystems on customers and problems encountered if any.<strong>Keyword:-Digital payment, Ca

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12

Chatterjee, Pushpalika. "Internet of Things (IoT) and Future of Digital Payments: Enabling Smart, Automated Transactions." Indian Journal of Computer Science and Engineering 16, no. 3 (2025): 81–88. https://doi.org/10.21817/indjcse/2025/v16i1/251603004.

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The goal of the study is to examine how the Internet of Things (IoT) will revolutionize digital payments in the future. This is done by addressing new trends and issues in IoT-enabled payment systems and concentrating on automation, efficiency, security, and financial inclusion. A thorough literature review was carried out in order to achieve the research objective. The data was obtained from several articles and papers from different databases, such as the ScienceDirect database and Google Scholar. The inclusion and exclusion criteria were then used to choose the references. According to the

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13

Bruno, Philip, Olivier Denecker, and Gottfried Leibbrandt. "A retrospective: Looking back at ‘A Vision for the Future of Cross-border Payments’." Journal of Payments Strategy & Systems 19, no. 2 (2025): 103. https://doi.org/10.69554/gxbf2279.

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In 2018, Swift and McKinsey & Company published ‘A Vision for the Future of Cross-Border Payments’, outlining eight fundamental shifts expected to reshape international payments. This paper revisits those predictions and evaluates their accuracy amid rapid technological advancements, evolving customer demands and complex regulatory environments. Traditionally dominated by correspondent banking, the global cross-border payments landscape has transformed significantly, driven by emerging technologies, alternative solutions, customer requirements and heightened competition. The paper recounts

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14

Shreyam, Chaudhary. "Digital Payments in India." International Journal of Innovative Science and Research Technology 7, no. 9 (2022): 1060–65. https://doi.org/10.5281/zenodo.7160953.

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Digital payments have become a must now a days. As we see that digitization has become the future of the entire nation. A major boost was given to cashless payments when demonetization was announced. As digital media came into picture, many modes of digital payments also came in. Due to covid-19 and demonetization digital payments have grown like a bust. Digital payments also got a boost due to the Covid-19 pandemic.The beginning of Covid-19 pandemic gave a lot of boosts to one of the digital payment companies called as PaytmA new reader may not be familiar with some of the phrases used in the

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15

Omarini, Anna Eugenia. "Fintech and the Future of the Payment Landscape: The Mobile Wallet Ecosystem - A Challenge for Retail Banks?" International Journal of Financial Research 9, no. 4 (2018): 97. http://dx.doi.org/10.5430/ijfr.v9n4p97.

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Technological innovation, recent regulatory initiatives and mass consumers’ changing expectations are quickly re-shaping the payments’ sector, paving the way to a more open environment where even non-banking players see a huge opportunity to gain momentum and disrupt the incumbents, namely the financial institutions. Fintech startups, high-tech firms but also mobile network operators are indeed challenging the status quo with their innovative propositions, trying to disintermediate banks from their traditional function of payment service providers. In the payments market, mobile wallets repres

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16

Zhang, Tianzuo. "Study on Anti-Fraud Mechanisms in Cross-Border Payments Using Blockchain." Modern Economics & Management Forum 6, no. 3 (2025): 342. https://doi.org/10.32629/memf.v6i3.4004.

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This study explores in depth the application of blockchain technology in the field of cross-border payments and its important role in preventing fraud. This paper summarizes the basic principle of blockchain technology and its advantages in cross-border payment, and then analyzes the current situation of cross-border payment market and the existing fraud problems. The study found that blockchain technology can effectively reduce the risk of fraud in cross-border payments by improving transaction transparency and traceability. However, the study also points out the limitations of blockchain's a

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S., Ayyappan, and Theres Ankitha. "Digital Payment Systems and Financial Inclusion in Building a Future-Ready Business Ecosystem." Management Journal for Advanced Research 5, no. 1 (2025): 80–86. https://doi.org/10.5281/zenodo.15129182.

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Financial Inclusion and Digital Payment Systems in Creating a Business Ecosystem Prepared for the Future Abstraction Leading the way in financial innovation, digital payment systems are essential for promoting financial inclusion and helping to build business ecosystems that are prepared for the future, particularly in rural areas. These technologies make financial transactions easy, affordable, and transparent, enabling small firms and people to join the formal economy. Notwithstanding its potential, problems including trust concerns, insufficient infrastructure, and digital illiteracy still

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18

Hofreither, Markus F. "The Future of Direct Payments in EU Agriculture." Journal of Agricultural Science and Applications 01, no. 04 (2012): 121–30. http://dx.doi.org/10.14511/jasa.2012.010406.

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19

Julian, Krzyzanowski. "Future Direct Payments in Ukraine." EUROPEAN RESEARCH STUDIES JOURNAL XXVIΙ, Special Issue B (2024): 552–61. https://doi.org/10.35808/ersj/3661.

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20

Murray‐Neill, Robin, Pauline Heslop, Koula Serle, Hazel March, and Karen. "Direct payments: the future now." A Life in the Day 12, no. 3 (2008): 18–22. http://dx.doi.org/10.1108/13666282200800025.

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21

Sudakov, S. S., S. S. Lazaryan, and A. I. Votinov. "EU’s Carbon Border Adjustment Mechanism: Assessment of Future Payments for Exporters." Financial Journal 14, no. 5 (2022): 71–88. http://dx.doi.org/10.31107/2075-1990-2022-5-71-88.

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Starting in 2026, the EU will introduce the Carbon Border Adjustment Mechanism (CBAM). Under this mechanism imports of certain products to the EU will be subject to a special fee based on the carbon intensity of these goods. This article is devoted to the quantification of payments under this mechanism for several countries in the Eurasian region: the EAEU member states, Georgia, Tajikistan and Uzbekistan. These countries were chosen due to the relatively high share of the EU in their exports. CBAM payments have a dynamic nature because certain parameters of the mechanism vary on an annual bas

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22

Borcuch, Artur. "The statistical analysis of availability feature for payment cards with contactless payment function, cash and mobile payments in Poland. Results of own research." International Journal on Integrated Education 3, no. 2 (2020): 56–61. http://dx.doi.org/10.31149/ijie.v3i2.326.

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Presently money is shifting from its analogue past to its digital future. The digitization of payments is transforming what both consumers and businesses expect from financial services. Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The mobile payment industry in Poland is expected to reach US$ 26,893.9 million by 2025 (Poland Mobile Wallet 2019). The main purpose of this article is an attempt to answer the following question: how does “availability” feature influence consumer attention to us

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23

Lewis, Richard. "The indexation of periodical payments of damages in tort: the future assured?" Legal Studies 30, no. 3 (2010): 391–407. http://dx.doi.org/10.1111/j.1748-121x.2010.00163.x.

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This paper examines the new statutory regime for paying damages for personal injury by means of periodical payments instead of a lump sum. How are such payments to increase in future to take account of rising care costs, especially when these usually form the largest part of a major award? The answer to this question is crucial in determining the extent that the new form of payment will be used. How periodical payments are to be indexed is also a key factor in calculating the total cost of compensation and, in particular, in assessing the liabilities of the National Health Service. The issue g

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Srouji, Jeremy, and Dominique Torre. "The Global Pandemic, Laboratory of the Cashless Economy?" International Journal of Financial Studies 10, no. 4 (2022): 109. http://dx.doi.org/10.3390/ijfs10040109.

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The COVID-19 pandemic has had a profound impact on payment systems and preferences around the world, reducing the use of cash in favor of digital payment instruments and accelerating the discussion around the need for a central bank digital currency. This article presents the digital payments and cashless agenda before and after the pandemic, focusing on how the changing payments landscape has influenced the priorities and decisions of regulators, banks and other financial intermediaries, with regards to the future shape of payment systems. It finds that while the pandemic demonstrated the ben

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T, Suganya,. "A Study on Digital Payments and User Experience." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34349.

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This paper aims to examine the use of online payment or electronic payment system (EPS) due to various benefits of using online payment method for both the business and the user. Digitalization is a new trend in banking sector all over the world. Digitalization involves total control over the customer experience, management of all existing and future consumer needs, and development of an appropriate financial framework. Digital payments in India are a promising success. The financial institution must be customer friendly. For the purpose of the study on digital payments and user experience pri

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Monisha, Dr D. "Navigating the Future of Digital Payments: Key Trends, Opportunities and Challenges." International Journal for Research in Applied Science and Engineering Technology 12, no. 11 (2024): 1312–14. http://dx.doi.org/10.22214/ijraset.2024.65357.

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With the rise of technology and the internet, traditional cash-based payments are gradually giving way to faster, more convenient and secure digital alternatives. Digital payments, which encompass a range of payment methods such as mobile wallets, online banking, credit/debit cards and cryptocurrencies, offer a seamless and efficient way to make transactions. This shift towards digital payments has transformed the financial landscape, enabling greater financial inclusion, reducing transaction costs and increasing economic efficiency. As the world becomes increasingly digital, it's essential to

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Chen, Fuzhong, and Guohai Jiang. "The Roles of FinTech with Perceived Mediators in Consumer Financial Satisfaction with Cashless Payments." Mathematics 10, no. 19 (2022): 3531. http://dx.doi.org/10.3390/math10193531.

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The purpose of this paper is to investigate the association between FinTech payments and consumer financial satisfaction with cashless payments using data from the 2017 China Household Finance Survey. This study defines computer payment and mobile terminal payment using a cell phone or pad as payments with FinTech. The results indicate that payments with FinTech are positively associated with financial satisfaction with cashless payments. Furthermore, this result holds in the eastern and central groups of China, but not in the western group, where payments with FinTech are not associated with

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Pambajeng, Panji, and Dedi Sulistyo Soegoto. "The Future of Cashless Payments for Small Business During the Covid-19 Pandemic." Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities 1 (December 1, 2020): 9–15. http://dx.doi.org/10.34010/icobest.v1i.4.

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This study aims to analyze the cashless payment of quick response (QR) system, which is an alternative for users to make payments. Cashless payments are an alternative to carry out electronic funds transfer at the point of sale. QR code payment emerged as the most popular as it does not require traditional infrastructure such as cards, payment networks, merchant accounts, and payment processing terminals.The research method used a quantitative method with linear regression analysis; three variables measured were: Perceived usefulness the subjective probability that technology can improve the w

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Wang, Yong. "The Impact of Mobile Payments in the Post-epidemic Era in China: Consumption, Tourism, and User Perception." Advances in Economics, Management and Political Sciences 127, no. 1 (2024): 51–57. https://doi.org/10.54254/2754-1169/2024.ox18512.

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The global COVID-19 outbreak, which began in late 2019 and concluded in early 2023, significantly impacted the world economy. However, China's economy, bolstered by the influence of mobile payments, has shown remarkable resilience. This study examines the impact of the post-epidemic mobile payment era in China, including consumption, Tourism, and user perceptions sectors. This is based on the data analysis of the payment system reports from the People's Bank of China, Alipays and WeChats payment system reports, Chinese Demographics, the study of User perceptions of Chinese Mobile payment, Mobi

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Li, Lingyuan, Guo Freeman, and Bart Knijnenburg. "Beyond Just Money Transactions: How Digital P2P Payments (Re)shape Existing Offline Interpersonal Relationships." Proceedings of the ACM on Human-Computer Interaction 8, CSCW1 (2024): 1–36. http://dx.doi.org/10.1145/3637301.

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Money is a sensitive and complex component of everyday life, which can significantly affect people's relationships with each other. Recently, emerging digital peer-to-peer (P2P) payment applications continue to complicate how people deal with money with individuals they know in comparison to traditional payment methods such as physical money (i.e., cash). Through an online survey study (N=218), in this paper, we investigate significant differences between using digital P2P payments and traditional payment methods (i.e., physical money) in terms of perceptions of transactions by using a given p

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Sena, Breno C., Flávio L. Carvalho, and Andrei A. Albuquerque. "Payment Market and Pricing: A Bibliometric Review." International Journal of Economics and Finance 15, no. 12 (2023): 77. http://dx.doi.org/10.5539/ijef.v15n12p77.

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The objective of this article is to analyze the scientific production about payments market and pricing, identifying the stage of publications, the most productive countries and journals, influential authors, and seminal documents, research clusters, and opportunities for future research. The methodology used to achieve this goal was a bibliometric analysis, using data from the Scopus and Web of Science. With 75% of the published records appearing between 2010 and 2021, this analysis revealed that the field is emergent. The impacts discussed are (i) the growth in the number of papers; (ii) the

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Syed Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. http://dx.doi.org/10.30574/wjarr.2024.22.2.1626.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Syed, Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. https://doi.org/10.5281/zenodo.14716075.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Anbukarasi, M., and Sony P.J. "Evolution of Payment Systems in the Digital Era: A Comprehensive Analysis of Mobile Payments, Contactless Technology and the Disruptive Potential of Cryptocurrencies on Traditional Payment Systems." Formosa Journal of Computer and Information Science 3, no. 1 (2024): 55–68. https://doi.org/10.55927/fjcis.v3i1.8840.

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Payment systems have seen a rapid change in the digital age, transforming how people and organizations perform financial transactions. An in-depth examination of the major advancements in payment systems in the digital age is provided in this research paper, with a particular emphasis on mobile payments, contactless technologies, and the prospective effects of cryptocurrencies on conventional payment methods. The study examines existing studies, new technological developments, and the implications for consumers and financial institutions. This article seeks to shed light on the potential futur

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Sandeep, Rachapudi. "Contactless Payments Technology: Maximizing Security and User Convenience." Journal of Scientific and Engineering Research 9, no. 4 (2022): 228–31. https://doi.org/10.5281/zenodo.14273471.

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The advent of contactless payment technology has transformed the landscape of financial transactions. By leveraging Near Field Communication (NFC), radio-frequency identification (RFID), and mobile payment systems, contactless payment methods have enhanced convenience and security for consumers and merchants alike. This paper explores the development, mechanisms, benefits, challenges, and future prospects of contactless payments.

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Van Praag, Emanuel. "The future of European payments: Faster, cheaper, more digital and more European; with no one left behind." Journal of Payments Strategy & Systems 18, no. 4 (2024): 327. https://doi.org/10.69554/kywz1749.

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This paper describes key trends in the payments markets (namely, declining use of cash, digitisation, the growth of payment fraud, and geopolitical tensions) and how these translate into risks, both perceived and real. The paper then describes how the European Union (EU) legislator is addressing these risks, for example, through the proposed EU Payment Services Regulation and the Instant Payments Regulation, which will introduce such measures as conditional reversal of liability for authorised push payment fraud and confirmation of payee services to enhance fraud prevention and protect consume

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Nebancea, Nicolae. "Modern protocols used in online card payments." Scientif Bulletin of Naval Academy XXVII, no. 2 (2024): 53–62. https://doi.org/10.21279/1454-864x-24-i2-005.

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Recently, we have seen a dramatic increase in online payments for goods and services using bank cards or digital wallets, which is a clear indication that the near future is reserved for these types of payments. In the Eurozone alone, the total value of non-cash payments in mid2022 amounted to 65.9 billion euros, of which 35.8 billion were card payments. However, the benefits of online payments do not come without risks and dangers, with the huge volumes of transactions acting as a magnet for cyber fraud. This study examines the benefits and limitations of the main protocols currently used for

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Welte, Angelika, Katrina Talavera, Liang Wang, and Joy Wu. "COVID-19 has not killed merchant acceptance of cash: Results from the 2023 Merchant Acceptance Survey." Journal of Digital Banking 9, no. 3 (2024): 273. https://doi.org/10.69554/hodu9765.

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In recent years, the rise in digital payments has spurred a discussion in Canada and other countries about the future of cash at the point of sale. To better understand trends in payment methods accepted by Canadian businesses, including cash acceptance and the impact of innovations such as mobile payments, the Bank of Canada conducts the Merchant Acceptance Survey, a survey of small and medium-sized businesses. This report finds that 96 per cent of these businesses in Canada accepted cash in 2023. Acceptance of debit and credit cards has increased since 2021 to 89 per cent, and acceptance of

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Eden, Lorraine, and Thomas J. Courchene. "Equalization Payments: Past, Present and Future." Canadian Public Policy / Analyse de Politiques 11, no. 4 (1985): 764. http://dx.doi.org/10.2307/3550313.

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Brahams, Diana. "Periodical Payments for Future Pecuniary Losses." Medico-Legal Journal 73, no. 3 (2005): 77–78. http://dx.doi.org/10.1258/rsmmlj.73.3.77.

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Brahams, D. "Periodical Payments for Future Pecuniary Losses." Medico-Legal Journal 73, no. 3 (2005): 77–78. http://dx.doi.org/10.1258/spmlj.73.3.77.

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Jackson, Paul. "Lucrative future for unattended card payments?" Card Technology Today 17, no. 11-12 (2005): 9–10. http://dx.doi.org/10.1016/s0965-2590(05)70406-0.

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Bernabeu, Gil. "GlobalPlatform – the future of mobile payments." Card Technology Today 19, no. 11-12 (2007): 9. http://dx.doi.org/10.1016/s0965-2590(07)70154-8.

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Carmichael, Angie, and Louise Brown. "The Future Challenge for Direct Payments." Disability & Society 17, no. 7 (2002): 797–808. http://dx.doi.org/10.1080/0968759022000039082.

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Julian. "Future Direct Payments in Ukrainian Agriculture." International Journal of Economics and Business Administration XIII, Issue 1 (2025): 42–51. https://doi.org/10.35808/ijeba/874.

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Jaiswal, Ashish. "A STUDY ON FUTURE OF MOBILE BASED PAYMENT FOR GOVERNMENT SERVICES IN INDIA." International Journal of Research -GRANTHAALAYAH 8, no. 2 (2020): 118–23. http://dx.doi.org/10.29121/granthaalayah.v8.i2.2020.192.

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Digital India programme of Government of India has promoting and encouraging the usage of digital payments for the various goods and services being availed by the citizens. The Government wants to develop a Digitally Empowered economy through the cashless transactions. As far as government agencies are concerned, mobile based payment is a noteworthy development on various domains, because it is going to increase ease and productivity for both the agencies and citizens themselves. Citizens who are using the Government services are concerned of the privacy of the data and information. Government

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Ashish, Jaiswal. "A STUDY ON FUTURE OF MOBILE BASED PAYMENT FOR GOVERNMENT SERVICES IN INDIA." International Journal of Research - Granthaalayah 8, no. 2 (2020): 118–23. https://doi.org/10.5281/zenodo.3692647.

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Digital India programme of Government of India has promoting and encouraging the usage of digital payments for the various goods and services being availed by the citizens. The Government wants to develop a Digitally Empowered economy through the cashless transactions. As far as government agencies are concerned, mobile based payment is a noteworthy development on various domains, because it is going to increase ease and productivity for both the agencies and citizens themselves. Citizens who are using the Government services are concerned of the privacy of the data and information. Government

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Polasik, Michał, Paweł Widawski, Grzegorz Keler, and Agnieszka Butor-Keler. "Retail Payments Strategy for the EU versus the challenges of the payment sector." Ekonomia i Prawo 20, no. 3 (2021): 617–40. http://dx.doi.org/10.12775/eip.2021.037.

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Motivation: The payment services sector has become one of the main areas for the development of financial innovation and the key element of the digital economy. However, the payment services market in the European Union (called the European Payments Market) is still fragmented along national borders, insufficiently integrated, and facing several challenges. Therefore, the newly announced Retail Payments Strategy for the EU is a document of great importance for the future of the entire EU economy, and deserves in-depth study. Aim: The purpose of this paper is to assess whether the trends

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Wright, T. S. "A stochastic method for claims reserving in general insurance." Journal of the Institute of Actuaries 117, no. 3 (1990): 677–731. http://dx.doi.org/10.1017/s0020268100043262.

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AbstractThe paper addresses the problem of estimating future claim payments from the ‘run-off’ of past claim payments. A model of the claim payment process is postulated. Results from risk theory are applied to give a model for the incremental paid claims data by development period. A fitting method is developed which takes account of the error structure of the data implied by the underlying model of the claim payment process. The application of a similar method to incremental incurred data is considered. A numerical example is given.

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Ashari, Imam Ahmad, Iis Setiawan Mangku Negara, and Raden Bagus Bambang Sumantri. "Evaluasi Pembayaran Keuangan Siswa berdasarkan Penghasilan Wali Siswa menggunakan Metode Clustering K-Means." Edumatic: Jurnal Pendidikan Informatika 6, no. 2 (2022): 324–33. http://dx.doi.org/10.29408/edumatic.v6i2.6395.

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One of the problems that often occurs in school administration is the late payment of tuition fees. Therefore, it is necessary to evaluate the education payment process so that in the future the payment process can run in an orderly and disciplined manner. This study aims to create a cluster model for grouping student administration payments. This type of research is quantitative using the K-Means Clustering method to classify payment data based on 2 variables, namely the time of payment and the income of students' guardians carried out in private elementary schools in Semarang. The data used

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