Academic literature on the topic 'Improvement of payment'

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Journal articles on the topic "Improvement of payment"

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Huddin, Muhammad Nurhaula Huddin, and Khairul Ikhsan. "MOBILE PAYMENT SATISFACTION POST PANDEMIC COVID-19 IN INDONESIA." Jurnal Riset Akuntansi Dan Bisnis Airlangga 7, no. 2 (2022): 1326–79. http://dx.doi.org/10.20473/jraba.v7i2.39834.

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This study aims to examine the effect of technology security, ease of use, usability, and continuousimprovement on the satisfaction of mobile payment users. This study uses a purposive sampling techniquewith certain criteria. The population of this study are respondents who have used m-payment services duringthe Covid-19 pandemic from 2020 to 2021 in Indonesia. Questionnaires were distributed through an onlinesurvey method with a total sample of 317 respondents. Hypothesis testing was carried out using StructuralEquation Modeling (SEM) AMOS 23. The results showed that technology security had a
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Yumatov, Vasiliy, Vladimir Timchenko, Svetlana Kozmenkova, and Guzaliya Klychova. "FORENSIC ACCOUNTING EXPERTISE OF PAYMENT WITH PERSONNEL: PROBLEMS AND IMPROVEMENT." Vestnik of Kazan State Agrarian University 16, no. 4 (2022): 140–47. http://dx.doi.org/10.12737/2073-0462-2022-140-147.

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In modern conditions, forensic examination is of particular importance, which determines its further development as a scientific branch of knowledge and type of activity. Forensic accounting examination of labor and its payment includes determining the correctness of the calculation of wages to employees, planning the wage fund, the correctness of the application of forms of remuneration, calculation of wages (including incentive payments and additional wages, payment for holidays, weekends, downtime), the correctness of attributing to the composition of production costs (work performed, servi
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Nurhaula, Muhammad Nurhaula Huddin. "Role of Technology Security and Continuous Improvement on M Payment Satisfaction." Adpebi International Journal of Multidisciplinary Sciences 2, no. 1 (2023): 91–101. http://dx.doi.org/10.54099/aijms.v2i1.454.

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 Purpose – The purpose of this study is to examine the effect of technological security and continuous improvement on consumer satisfaction and trust in mobile payment payments.
 Methodology/approach – This researcher used purposive sampling technique by requiring certain criteria. Respondents are those who have used m-payment services in Indonesia. Questionnaires were distributed through online surveys with a total of 250 research respondents. Hypothesis testing was carried out using SEM (Structural Equation Modeling) AMOS 23.
 Findings – It was found that
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Amangozhayeva, B. B., S. S. Abdíldín, and Sh D. Kydyrbaeva. "The improvement of statutory and legal regulation of payment system of the Republic of Kazakhstan." Bulletin of "Turan" University, no. 1 (March 31, 2021): 97–103. http://dx.doi.org/10.46914/1562-2959-2021-1-1-97-103.

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The development of payment systems implies continuous improvement, updating and updating for all their components. This article discusses the issues of functioning, regulatory regulation and further transformation of the payment systems of the Republic of Kazakhstan, taking into account modern realities. The main legislative acts, regulatory documents and requirements regulating the activity of the payment market are considered. The national payment system of the Republic of Kazakhstan, which is in contact with all aspects of the economic activity of the state, is today a strategically importa
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Vaníčková, Radka. "System Management and Improvement of Payment Planning Processes in Production Engineering." DANUBE 14, no. 3 (2023): 215–34. http://dx.doi.org/10.2478/danb-2023-0013.

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Abstract The aim of this paper was to propose an innovative solution for the management and payment planning processes in manufacturing enterprises with the support of an in-house SAP system in accounting and administration of services in order to streamline enterprise processes. The methods used were analysis of internal environment, observation method, analysis of written documents, analysis of microenvironment of manufacturing enterprises, SWOT analysis, internal data from the SAP system, process structural analysis and process map. The results obtained, in conjunction with application of s
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CHAYKOVSKYI, Yaroslav. "MONEY CIRCULATION IN UKRAINE: CURRENT STATUS, PROBLEMS AND DIRECTIONS FOR IMPROVEMENT OF ORGANIZATION." WORLD OF FINANCE, no. 2(55) (2018): 108–22. http://dx.doi.org/10.35774/sf2018.02.108.

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Introduction. One of the most effective means to solve the acute problems of the modern stage of Ukraine's economic development is the rational organization of monetary circulation. The solution to this problem lies in the scope of the National Bank of Ukraine measures aimed, on the one hand, on improvement of cash circulation of money and, on the other hand, the development of cashless settlements. The purposeof the article is to study the current state of money circulation in Ukraine, identify the most significant problems and definition specific areas for improvement of the operation of ban
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Miller, Edward, John Bowblis, Elizabeth Simpson, et al. "FEDERAL AND STATE POLICIES AND STAKEHOLDER VIEWS ON MEDICAID NURSING HOME PAYMENT." Innovation in Aging 8, Supplement_1 (2024): 611. https://doi.org/10.1093/geroni/igae098.2002.

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Abstract How much nursing homes (NHs) are paid by Medicaid is determined at the state level. Medicaid coverage of NH care is a significant expenditure for states. Consequently, states design Medicaid payment models to achieve desired policy objectives related to NH costs and quality, access to care, payment equity, service capacity, and budgetary control. Setting Medicaid payment rates too high can lead to excess profits at the expense of taxpayers with unknown implications to improvements in quality and staffing levels. At the same time, NHs need financial resources to pay nursing staff and i
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Svintsov, Oleksandr M., and Bohdan Ya Zvarych. "Regulatory Functions of State Institutions in the Modernization of the Electronic Payment Market in Ukraine." Business Inform 3, no. 566 (2025): 298–304. https://doi.org/10.32983/2222-4459-2025-3-298-304.

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The article explores the directions of implementing regulatory functions of the State in the process of modernizing the electronic payment market in Ukraine. It is noted that the main vectors of modernization include strengthening regulatory control by State institutions, introducing innovative technologies, improving payment infrastructure, stimulating competition, and expanding access to financial instruments for broad segments of the population. It is underlined that one of the key directions of modernizing the electronic payment market in Ukraine is the implementation of innovative technol
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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 (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
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Bowey, Angela, and Richard Thorpe. "Payment Systems and Performance Improvement: Participation in Payment System Design." Employee Relations 11, no. 1 (1989): 17–20. http://dx.doi.org/10.1108/eum0000000001014.

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Dissertations / Theses on the topic "Improvement of payment"

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Stockwell, Alexis. "Evaluation of financial incentives as a quality improvement strategy in the public hospital context : clinician attitudes, design variables, and economic costs." Thesis, Queensland University of Technology, 2010. https://eprints.qut.edu.au/42427/1/Alexis_Stockwell_Thesis_.pdf.

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In 2008, a three-year pilot ‘pay for performance’ (P4P) program, known as ‘Clinical Practice Improvement Payment’ (CPIP) was introduced into Queensland Health (QHealth). QHealth is a large public health sector provider of acute, community, and public health services in Queensland, Australia. The organisation has recently embarked on a significant reform agenda including a review of existing funding arrangements (Duckett et al., 2008). Partly in response to this reform agenda, a casemix funding model has been implemented to reconnect health care funding with outcomes. CPIP was conceptualised as
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Stenberg, Marcus, and Jesper Larsson. "Optimizing the Supply Chain Performance at Ericsson AB : A Study of Lead Time Reduction and Service Level Improvement." Thesis, Linköpings universitet, Logistik- och kvalitetsutveckling, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-133357.

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Ericsson has recently experienced difficulties to meet the customer demand, which has led to lost market shares. This is mainly due to the long and unpredictable lead times within their supply chains. Therefore, Ericsson seeks to increase their ability to meet the customer demand by reducing the customer order lead time. A shorter lead time would imply a greater responsiveness and improved service level towards the customers. A directive from the company was to base the study on the supply chain for the customer Algeria Telecom Mobile. The purpose of the study is to give recommendations for im
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Huamani, Urquizo Silke Yanet. "Propuesta de mejora del proceso comercial de un Dealer PYME en el mercado de medios de pago del segmento masivo." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2021. http://hdl.handle.net/10757/657357.

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El presente trabajo de investigación tiene como objetivo desarrollar una mejora en el proceso comercial de ventas de un dealer (distribuidor) PYME del mercado de medios de pago del sector financiero. Se ha iniciado el trabajo con la descripción del mercado, giro del negocio y el proceso a estudiar. Seguidamente de los 5 capítulos que se van a desarrollar en el trabajo y se muestran a continuación: En el primer capítulo se verá el marco teórico donde se define conceptos actuales de mejora continua, metodologías, productividad, etc. En el segundo capítulo se analizó los problemas existentes e
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Kašparová, Petra. "Dopad rekodifikace občanského a obchodního práva na české účetní předpisy." Master's thesis, Vysoká škola ekonomická v Praze, 2013. http://www.nusl.cz/ntk/nusl-191579.

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The Czech accounting standards have been amended many times yet. They were nevertheless adjusted in connection with the recodification of the private law on January 1st, 2014. Main output of this recodification was "The new civil code" and "The law about commercial corporations". The diploma thesis examines the impact of these legal standards on the Czech accounting standards. Apart from that, the new civil law brings also new terminology, what has consequently an impact on legislative and technical changes of the Czech accounting standards. Moreover the thesis talks about selected recodificat
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Kerns, Elizabeth E. "A Study on the Efficacy of the Medicare Bundled Payments for Care Improvement Initiative at a Large Community Hospital in the Southeast United States." Scholar Commons, 2017. http://scholarcommons.usf.edu/etd/7044.

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In 2013, Medicare launched the Bundled Payments for Care Improvement (BPCI) Initiative which linked payments for multiple services for a complete episode of patient care. With this innovative reimbursement model, hospitals accepted fixed target payments for certain types of clinical diagnoses that were intended to support better care coordination and better outcomes for patients at lower cost to Medicare. This was one of many programs aimed at addressing the serious challenges facing United States healthcare, including costs that are skyrocketing to unsustainable levels and
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Lin, Jia-Wei, and 林佳緯. "A Study of Performance Improvement of Internet Payment Systems." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/29038916610132888814.

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碩士<br>國立暨南國際大學<br>資訊管理學系<br>95<br>Along with the popularization of computers and the increasing network bandwidth, nowadays, traditional payment systems can be also applied in the Internet with the same payment models. Each Internet payment system has its own characteristics payment mechanism and applied environment. Although these payment systems provide much convenience via network and other media, various security and efficiency issues are to be investigated. Among current payment systems, banks play an important role in generation and verification of payment credenitals used in the paymen
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Chen, Shang Wen, and 陳尚文. "An Improvement on an NFC-based Anonymous Mobile Payment Protocol." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/3cj643.

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碩士<br>國立政治大學<br>資訊科學學系<br>104<br>Following the developments in wireless online and mobile communications, M-commerce has become increasingly popular. However, it ignores users’ anonymity in online transactions such that users can easily to be traced. In 2014, Luo et al. proposed an NFC-based anonymous mobile payment protocol system. It used an NFC-enabled cellphone and combined a built-in secure element (SE) and trusted execution environment to build an anonymous mobile payment service. It prevented the disclosure of the user’s identity by using a virtual instead of the real identity durin
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Chiang, Han-Wei, and 江漢威. "Third-party payment development status in Taiwan and improvement suggestions." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/7d5ax3.

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碩士<br>國立中山大學<br>管理學院高階經營碩士學程在職專班<br>107<br>Due to the science-tech and the popularization of the Internet, business models such as online shopping and mobile commerce have been emerging. Unlike the traditional consumption models, the trust between consumers and online businesses is lacking, and individuals and small businesses can&apos;&apos;t accept specific payment instruments (such as credit cards), which prompts the rise of third-party payment. In many collaborative cases of horizontal alliances, they let the existing payment methods are not only payment by aggregating the advantages of el
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Yang, Cheng-You, and 楊承侑. "An Improvement for Bitcoin''s Simplified Payment Verification Method." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/61583343491665093769.

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碩士<br>國立臺灣大學<br>資訊工程學研究所<br>103<br>In the past few years, Bitcoin system has proved its reliability and security as a distributed payment protocol without the need of trust and has become more and more popular. And with the rising of mobile devices nowadays, the demand of running a Bitcoin client on such space- and power-constrained devices is also increasing.
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KAO, MIN-NA, and 高敏娜. "A Study on Payment Process Improvement of Financial Services by Risk Management." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/8pm8v9.

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碩士<br>世新大學<br>資訊管理學研究所(含碩專班)<br>107<br>The financial services industry is a franchise industry which is regulated by the Financial Supervisory Commission. And it is generally required to have formulate adequate risk management policies, and establish operationally independent and effective risk management mechanisms. With the development of information technology, establish the payment system to assist with manual work, but the payment system has not been updated for a long time, and exposed many difficulties and problems. The thesis used risk management process which includes hazard ident
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Books on the topic "Improvement of payment"

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Control, New York (State) Dept of Audit and. State Insurance Fund, medical bill payment procedures need improvement. The Division, 1992.

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Humphrey, David B. Payment systems: Principles, practice, and improvements. World Bank, 1995.

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Office, General Accounting. Financial audit: Guaranteed Student Loan Program's internal controls and structure need improvement : report to the Congress. The Office, 1993.

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Office, General Accounting. Fines and restitution: Improvement needed in how offenders' payment schedules are determined : report to the Chairman, Senate Committee on the Judiciary, and the Chairman, Subcommittee on Crime, House Committee on the Judiciary. The Office, 1998.

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United States. Congress. House. Committee on Government Operations. Prompt Payment Act implementation: Improvements needed : fifty-first report. U.S. G.P.O., 1986.

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Centre, Ontario Renovation Information, ed. Plans, permits & payments: Home renovations and improvements. Housing Conservation Unit, 1988.

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United States. Congress. House. A bill to amend title XVIII of the Social Security Act and the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 to extend certain Medicare payment methodologies provided for rural health care providers. [United States Government Printing Office], 2006.

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Unit, Ontario Ministry of Housing Housing Conservation. Plans, Permits and Payments: Home Renovations and Improvements. s.n, 1986.

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Office, General Accounting. Financial management: Implementation of the Cash Management Improvement Act : report to Congress. The Office, 1996.

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Khan, Asif A. DOD financial management: Improvements needed in prompt payment monitoring and reporting. U.S. Govt. Accountability Office, 2012.

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Book chapters on the topic "Improvement of payment"

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Bowey, Angela M., Richard Thorpe, and Phil Hellier. "Payment Systems and Performance Improvement." In Payment Systems and Productivity. Macmillan Education UK, 1986. http://dx.doi.org/10.1007/978-1-349-18106-3_2.

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Omotayo, Temitope, Udayangani Kulatunga, and Bankole Awuzie. "Contractual Payment Arrangements and Continuous Improvement." In Continuous Cost Improvement in Construction. Routledge, 2022. http://dx.doi.org/10.1201/9781003176077-18.

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Qing, Fang, Li Luo, Ming Zhao, and Qunrong Ren. "Game Analysis and Improvement of the Medical Expenses Payment." In Proceedings of the Eighth International Conference on Management Science and Engineering Management. Springer Berlin Heidelberg, 2014. http://dx.doi.org/10.1007/978-3-642-55182-6_4.

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van Dam, Gijs, Rabiah Abdul Kadir, Puteri N. E. Nohuddin, and Halimah Badioze Zaman. "Improvements of the Balance Discovery Attack on Lightning Network Payment Channels." In ICT Systems Security and Privacy Protection. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-58201-2_21.

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Pandit, Bishnu Hari, Netra Kumari Aryal, and Hans-Peter Schmidt. "Social-Ecological Transformation Through Planting Mixed Tree Species on Abandoned Agricultural Land in the Hills of Nepal." In Fostering Transformative Change for Sustainability in the Context of Socio-Ecological Production Landscapes and Seascapes (SEPLS). Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-33-6761-6_5.

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AbstractA project entitled, “Building village economies through climate farming &amp; forest gardening” (BeChange) was implemented in four municipality areas of the Tanahun and Lamjung districts of Nepal from May 2015. In order to assess changes in the social-ecological system that result from this project targeting abandoned agricultural lands, this case study was conducted using various methods: triad grouping, GPS point surveys, household surveys, focus group discussions (FGDs), field observation and reports. A participatory approach in reforestation on abandoned agricultural land with intr
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Kirchner, Robert. "The Commandment of Consistency: the Role of the Committee on Monetary, Financial and Balance of Payments Statistics (CMFB)." In Measuring International Economics. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-77193-4_15.

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Abstract Consistency within and between official statistics is a key requirement of data users since it facilitates economic analysis, research and policymaking. This contribution briefly outlines the dimensions of consistency in the area of statistical accounting frameworks: consistency between accounting frameworks and source data, consistency within accounting frameworks (in the balance of payments, imperfect coherency results in errors and omissions), consistency between accounting frameworks (e.g. balance of payments, financial accounts and national accounts), and, ultimately, consistency
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Ye, Xuling, Xingyu Tao, Jack C. P. Cheng, and Markus König. "Blockchain-BPMN Integrated Framework for Construction Management." In CONVR 2023 - Proceedings of the 23rd International Conference on Construction Applications of Virtual Reality. Firenze University Press, 2023. http://dx.doi.org/10.36253/10.36253/979-12-215-0289-3.29.

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Implementing blockchain benefits various construction management processes, such as securing payments, enabling traceable design process, and enhancing information transparency in supply chain. However, blockchain implementation in construction is still in its infancy due to weak functionality of smart contracts, which are self-enforceable programs allowing iteration between external data and blockchain. In the context of construction management that embraces complex and dynamic business processes, smart contracts are currently designed based on specific and isolated functional requirements wi
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Ye, Xuling, Xingyu Tao, Jack C. P. Cheng, and Markus König. "Blockchain-BPMN Integrated Framework for Construction Management." In CONVR 2023 - Proceedings of the 23rd International Conference on Construction Applications of Virtual Reality. Firenze University Press, 2023. http://dx.doi.org/10.36253/979-12-215-0289-3.29.

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Implementing blockchain benefits various construction management processes, such as securing payments, enabling traceable design process, and enhancing information transparency in supply chain. However, blockchain implementation in construction is still in its infancy due to weak functionality of smart contracts, which are self-enforceable programs allowing iteration between external data and blockchain. In the context of construction management that embraces complex and dynamic business processes, smart contracts are currently designed based on specific and isolated functional requirements wi
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Berlin, Nicholas L., Kevin Bozic, and Anaeze C. Offodile. "Using Innovative Payment Models to Drive Improvement in Perioperative Care." In Perioperative Quality Improvement. Elsevier, 2023. http://dx.doi.org/10.1016/b978-0-323-83399-8.00020-x.

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Saad, Ramsey, and Joseph Salama Hanna. "Federal Regulatory Requirements and Quality Payment Programs." In Advanced Anesthesia Review, edited by Alaa Abd-Elsayed. Oxford University PressNew York, 2023. http://dx.doi.org/10.1093/med/9780197584521.003.0379.

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Abstract The field of anesthesiology has advanced significantly over the past few decades. This has been partly due to various quality improvement measures adopted by various institutions and on a national level as well. There has been a nationwide trend to adjust payments based on quality metrics. This applies to anesthesia as well. The two most common quality payment programs are the Merit-Based Incentive Payment System (MIPS) and an alternative payment model (APM). The anesthesiologist ideally should be familiar with the different payment programs as there may be a direct financial impact r
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Conference papers on the topic "Improvement of payment"

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Li, Hongxin, and Yugang Wang. "Improvement of the SET Payment System by Using RBAC." In 2008 4th International Conference on Wireless Communications, Networking and Mobile Computing (WiCOM). IEEE, 2008. http://dx.doi.org/10.1109/wicom.2008.2235.

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Gaipov, J. B. "DIGITAL PAYMENT TECHNOLOGIES WITH BIOMETRICS." In НОВЫЕ БИЗНЕС-МОДЕЛИ ЦИФРОВОЙ ЭКОНОМИКИ В СУБЪЕКТАХ РФ. ХГУЭП, 2022. http://dx.doi.org/10.38161/978-5-7823-0753-0-2022-131-134.

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This article focuses on identifying and studying the technology of payment systems with biometrics for further improvement and anticipation of development, in the banking sector of the Republic of Uzbekistan, examines the key problems hindering the development of the innovative payment systems market and analyses the activities of commercial banks in the digital services market of the Republic of Uzbekistan in the context of information technology development and digitalization of the economy in the banking sector. Methodological techniques and methods of evaluation of efficiency of using biom
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Ceipidor, U. Biader, C. M. Medaglia, A. Opromolla, V. Volpi, A. Moroni, and S. Sposato. "A Survey about User Experience Improvement in Mobile Proximity Payment." In 2012 4th International Workshop on Near Field Communication (NFC). IEEE, 2012. http://dx.doi.org/10.1109/nfc.2012.18.

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Chao, Wei, and Zhihua Hu. "Security Analysis and Improvement of Dual Signature in Electronic Payment System." In 2011 International Conference on Intelligence Science and Information Engineering (ISIE). IEEE, 2011. http://dx.doi.org/10.1109/isie.2011.136.

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Xiang, Liu, and Shen Jie. "A Context-Aware Middleware for User Experience Improvement in Mobile Payment." In 2012 4th International Conference on Multimedia Information Networking and Security (MINES). IEEE, 2012. http://dx.doi.org/10.1109/mines.2012.15.

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Khansong, Parinya, Jessada Karnjana, Seksan Laitrakun, and Sasiporn Usanavasin. "Customer Service Improvement based on Electricity Payment Behaviors Analysis using Data Mining Approaches." In 2020 Joint International Conference on Digital Arts, Media and Technology with ECTI Northern Section Conference on Electrical, Electronics, Computer and Telecommunications Engineering (ECTI DAMT & NCON). IEEE, 2020. http://dx.doi.org/10.1109/ectidamtncon48261.2020.9090699.

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Song, Ping, Zhiyun Liu, and Qifeng Yang. "Research on the Third-Party Online Payment Based on Improvement of Coase's Transaction Cost Theory." In 2009 International Conference on Management and Service Science (MASS). IEEE, 2009. http://dx.doi.org/10.1109/icmss.2009.5304751.

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Ariyanti, Fransisca Dini, Aulia Fattah, Daffa Wardhana, and Khendy Buntoro. "Fuzzy Quality Function Deployment and Usability Testing Approach for Features Improvement of Digital Payment Apps." In 2023 International Conference on Information Management and Technology (ICIMTech). IEEE, 2023. http://dx.doi.org/10.1109/icimtech59029.2023.10277710.

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Gupta, Rahul, Cheshtha Kapoor, and Jayesh Yadav. "Acceptance Towards Digital Payments and Improvements in Cashless Payment Ecosystem." In 2020 International Conference for Emerging Technology (INCET). IEEE, 2020. http://dx.doi.org/10.1109/incet49848.2020.9154024.

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Japarova, Damira. "The Public and Private Health Sectors in Kyrgyzstan and Prospects for their Cooperation." In International Conference on Eurasian Economies. Eurasian Economists Association, 2013. http://dx.doi.org/10.36880/c04.00815.

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The public sector does not provide funding for the program of state guarantees. Private sector where high levels of profitability and higher prices. The purpose of public-private partnerships in health care – the preservation and improvement of the health status of the population. In Kyrgyzstan, the investment in health infrastructure of the state are planned. The private investor can build a building and provide meals for patients as required by the hospital. Require opening a public-private laboratories for urgent tests at each hospital and clinic. To finance the public-private partnership i
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Reports on the topic "Improvement of payment"

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Alonso-Robisco, Andrés, José Manuel Carbó, Pedro Jesús Cuadros-Solas, and Jara Quintanero. The effects of open banking on fintech providers: evidence using microdata from Spain. Banco de España, 2025. https://doi.org/10.53479/39138.

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Open banking initiatives, which aim to increase competition and innovation in the financial sector by enabling the customer-authorised sharing of financial data among banks, regulated third-party providers and other financial stakeholders, are becoming widespread around the world. This paper investigates the impact of open banking on the development of the fintech sector, focusing particularly on payment-related financial services. We utilise the implementation of the Second Payment Services Directive (PSD2) in Europe as a natural experiment and employ a difference-in-differences methodology t
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Santoro, Fabrizio, Celeste Scarpini, and Stephen Okika. he Potential of Digital ID Systems for Tax Administration: The Case of Ghana. Institute of Development Studies, 2024. https://doi.org/10.19088/ictd.2024.114.

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Digital identification systems (DIS) have great potential for strengthening tax administration. This paper examines the practical implications of integrating DIS with tax administration in Ghana. Studying system integration and data sharing between the Ghana Revenue Authority and the National Identification Agency, we evaluate the impact of replacing taxpayer identification numbers (TINs) with personal identification numbers (PINs) linked to a Ghana Card. By analysing administrative data and surveying 1,000 businesses in Accra, the study investigates registration patterns, tax perceptions and
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Leventis, Greg, and Jeff Deason. Deferred Payment Loans for Energy Efficiency: Case Study of a Low- and Moderate-Income Home Improvement Financing Model and Potential Application to Energy Efficiency Projects. Office of Scientific and Technical Information (OSTI), 2021. http://dx.doi.org/10.2172/1837376.

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Melad, Kris Ann, Nina Victoria Araos, and Aniceto Jr Orbeta. Giving Cash to the Poor: A Study of Pantawid Pamilya Cash Grants Generosity, Frequency, and Modality. Philippine Institute for Development Studies, 2020. https://doi.org/10.62986/dp2020.59.

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This study assesses the payment system of the Pantawid Pamilyang Pilipino Program (4Ps or Pantawid Pamilya) in terms of the amount, frequency, and mode of payment delivery of the cash transfers. The study is an early attempt of the Institute to examine the Pantawid Pamilya implementation and recommend improvements in its payment system in light of the enactment of Republic Act 11310 which institutionalized the program and identified the Philippine Institute for Development Studies to conduct regular assessments on the programs implementation and impact. The underlying framework for the study i
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Hernández Romero, Karla, Diego A. Vera-Cossio, Bridget Hoffmann, and Camilo Pecha. The Promises of Digital Bank Accounts for Low-income Individuals. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0005521.

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The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit the random assignment into an intervention to encourage direct deposits of recurrent government benefits into digital bank accounts in Colombia. Switching from cash to direct deposits reduces disbursement errors and increases access to benefits among eligible beneficiaries. It also increases the owners
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Santoro, Fabrizio, Wilson Prichard, and Giulia Mascagni. Digital IDs and Digital Payments – Opportunities and Challenges for Tax Administration. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.021.

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Tax administrations in Africa and, more broadly, low-income countries (LICs), are increasingly investing in advanced digital technologies, in an effort to build more effective, rules-based and efficient tax systems. Those efforts fit within broader government efforts towards e-government and the establishment of digital public infrastructures (DPI). 1 While these efforts to digitalise tax administration are multi faceted, affecting all aspects of administration, recent years have seen growing attention to the potential impacts of digital ID systems (DIS) and digital merchant payments (DMP), bo
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Rogers, Roger, Dillon Clarke, and Mark D. Wenner. Guyana's PetroCaribe Rice Compensation Scheme Has Ended: Assessment and Policy Implications. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0009276.

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The government of Guyana signed a rice compensation agreement with Venezuela in 2009 wherein Guyanese rice exports were accepted in partial payment for imports of Venezuelan oil. The agreement ended in November 2015 and was not renewed for 2016. The scheme had provided stimulus to the Guyanese rice sector, resulting in higher levels of investments in improved inputs and machinery, an expansion in area cultivated, higher levels of outputs, higher levels of exports, and increased employment. The main incentive was the payment of a market premium, averaging 20 percent greater than world price. De
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Carlos, Jean Clarisse, Jovito Jose Katigbak, and Jill Angeli Bacasmas. Analysis of the Cross-Border E-Commerce Environment for Philippine Women-led MSMEs: Challenges and Opportunities. Philippine Institute for Development Studies, 2022. https://doi.org/10.62986/dp2022.40.

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Operationalizing a SWOT (strengths, weaknesses, opportunities, and threats) framework to process data gathered from an adapted diagnostic toolkit entitled "Women-Owned Businesses in Cross-border E-commerce: a Diagnostic Toolkit," this study reveals that regional and national policy landscapes have put utmost interest in promoting and fostering an enabling environment for women-led micro, small, and medium enterprises and digitalization. However, there are gaps in public-private sector coordination, access to enabling and support programs such as financing and capacity building, awareness due t
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Gómez, José Ramon, Ana R. Rios, Leandro Alves, Walter Vergara, and Paul Isbell. Societal Benefits from Renewable Energy in Latin America and the Caribbean. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0009155.

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Population growth and advances in quality of life in Latin America and the Caribbean (LAC) will require the region to rapidly increase its energy supply, even if major improvements in energy efficiency are attained. The region is characterized by a low-carbon power matrix and a potential to produce over 78 PWh from non-traditional renewable energy technologies (NRETs). However, bias toward fossil fuels and the perceived cost disadvantages prevent further market entry of renewable energy. Additional (societal) benefits of employing renewables are considerable but typically left out of cost comp
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Totten, Annette, Dana M. Womack, Marian S. McDonagh, et al. Improving Rural Health Through Telehealth-Guided Provider-to-Provider Communication. Agency for Healthcare Research and Quality, 2022. http://dx.doi.org/10.23970/ahrqepccer254.

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Objectives. To assess the use, effectiveness, and implementation of telehealth-supported provider-to-provider communication and collaboration for the provision of healthcare services to rural populations and to inform a scientific workshop convened by the National Institutes of Health Office of Disease Prevention on October 12–14, 2021. Data sources. We conducted a comprehensive literature search of Ovid MEDLINE®, CINAHL®, Embase®, and Cochrane CENTRAL. We searched for articles published from January 1, 2015, to October 12, 2021, to identify data on use of rural provider-to-provider telehealth
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