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Journal articles on the topic 'Merchants' Bank of Baltimore'

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Published: 28 July 2024

Last updated: 31 July 2025

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1

MacMaster, Richard Kerwin. "Backcountry Wheat, Global Markets, and the Rise of Baltimore, 1765–1775." Pennsylvania History: A Journal of Mid-Atlantic Studies 92, no. 1 (2025): 59–99. https://doi.org/10.5325/pennhistory.92.1.0059.

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ABSTRACT Wheat, mostly as flour, was Pennsylvania’s major overseas export in the eighteenth century. It mainly went to the West Indies. Poor harvests in Great Britain, Ireland, and Europe in the 1760s created a surge in demand for American wheat and flour. Baltimore merchants seized the opportunity. With better links by road to the Pennsylvania and Maryland backcountry, Baltimore emerged as a major grain shipping port. While shipments from Philadelphia and Baltimore to southern Europe were much larger, the Irish market was important for Baltimore. Philadelphia and Baltimore merchants worked in

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Zhu, Yiting. "Research on the Impact of Financial Technology on the Performance of Chinese Commercial Banks Taking the Retail Transformation of China Merchants Bank as an Example." Advances in Economics, Management and Political Sciences 4, no. 1 (2023): 468–76. http://dx.doi.org/10.54254/2754-1169/4/2022935.

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In the era of big data, the integration of financial services and science and technology has become a trend, and financial technology has become critical to the financial service industry. This paper takes China Merchants Bank as a representative case study, summarizes the transformation process of China Merchants Bank business, and sorts out the aspects and transformation measures of China Merchants Bank's use of financial technology. By analyzing the case of China Merchants Bank introducing financial technology to realize the transformation, this paper uses the method of financial index anal

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Reinberger, Mark. "The Baltimore Exchange and Its Meanings." Arris 34, no. 1 (2023): 24–41. http://dx.doi.org/10.1353/arr.2023.a909922.

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ABSTRACT: The Baltimore Exchange (1815–1820) was one of the most important buildings in the oeuvre of Benjamin Henry Latrobe (1764–1820), and the history of its design has been fully elucidated. However, there remains unexplored how the building functioned and what it meant to the patrons, architect, Baltimoreans, and tourists of early nineteenth-century Baltimore. This paper looks at the multiple meanings of the Exchange in terms of its function, aesthetics, aspirations, and symbolism from the perspectives of these different constituencies. The Baltimore merchants, the patrons who commissione

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A.A. Sagung Ngurah Indradewi. "The Implementation of Surcharge Charging By Merchants in Non-Cash Transactions at the Representative Office of Bank Indonesia Bali Province." Journal of Sustainable Development Science 6, no. 1 (2024): 8–19. http://dx.doi.org/10.46650/jsds.6.1.1543.8-19.

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This research aims to determine the application of additional fees charged by merchants in non-cash transactions in the Legal Area of the Bali Province Bank Indonesia Representative Office and how the Bali Province Bank Indonesia Representative Office supervises merchants in payment transactions via EDC machines regarding the action of charging fees. addition. Types of empirical legal research. The data collection method uses interview techniques. The results of the research on the implementation of surcharge charges by merchants in non-cash transactions are that there are charges carried ou

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Li, Ziru. "Research on the Private Banks Centralized Management Systems in China." Advances in Economics, Management and Political Sciences 14, no. 1 (2023): 309–18. http://dx.doi.org/10.54254/2754-1169/14/20230845.

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China Merchants Bank's private banking development has always occupied first place in China for nearly 10 years. Its centralized management system for the private bank division is worth learning from. This paper focuses on the Chinese private bank centralized management system, and from the comparison with the decentralized management systems in other Chinese commercial banks, such as ICBC and the Bank of China, analyzes the advantages of the centralized one. From the comparison, this study finds the AUM of China Merchants bank is much higher than ICBC and the Bank of China [1], and the assets

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Dayyan, Muhammad, and Rifyal Dahlawy Chalil. "Persepsi Pedagang Pasar Kota Langsa terhadap Riba: Resistensi atau Toleransi." JURNAL EKONOMI DAN BISNIS ISLAM 3, no. 1 (2018): 57–84. http://dx.doi.org/10.32505/v3i1.1237.

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The merchants in the Langsa city believe that usury (riba) is forbidden, yet they do not mind doing transactions with conventional bank which operated its activity based on the interest system. This research aims to analyse and examine the level of knowledge possesed by the merchants in the traditional market in related to the concept of riba, the reasons (factors) affecting merchants to transact with the conventional bank, and their attitudes on the decision (fatwa) given by the Council of Islamic Scholars of Indonesia (DSN-MUI). This a survey based-research which uses a descriptive approach

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Torrens, Marc, and Amir Tabakovic. "A Banking Platform to Leverage Data Driven Marketing with Machine Learning." Entropy 24, no. 3 (2022): 347. http://dx.doi.org/10.3390/e24030347.

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Payment data is one of the most valuable assets that retail banks can leverage as the major competitive advantage with respect to new entrants such as Fintech companies or giant internet companies. In marketing, the value behind data relates to the power of encoding customer preferences: the better you know your customer, the better your marketing strategy. In this paper, we present a B2B2C lead generation application based on payment transaction data within the online banking system. In this approach, the bank is an intermediary between its private customers and merchants. The bank uses its c

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Zheng, Zihao. "Research on Strategic Transformation and Management Innovation of China Merchants Bank." Advances in Economics, Management and Political Sciences 31, no. 1 (2023): 32–40. http://dx.doi.org/10.54254/2754-1169/31/20231491.

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This paper will study China Merchants Bank, the first joint-stock commercial bank wholly owned by corporate legal persons in China, and its 36 years of operation and development in Shekou, Shenzhen, a pioneering city in China, in the environment of Chinas reform and opening up, in the era of Chinas rapid economic take-off. To study its growth process from a small bank with a capital of only 100-million-yuan, one branch, and more than 30 employees to an international banking group with more than 1,800 branches and 100,000 employees, which British magazine Banker announced as the 11th bank in th

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Suwartana, I. Made Oka Suwartana. "Implementation of Financial Technology in The Quick Response (QR) Code Based Payment System Towards Customer Statisfaction at NTB Syariah Bank Pejanggik Main Branch." IQTISHADUNA 14, no. 1 (2023): 49–64. http://dx.doi.org/10.20414/iqtishaduna.v14i1.5854.

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ABSTRACT This study aimed to discover and investigate the implementation of financial technology withQR Code-based payment system and its effect on customers’ satisfaction at NTB SyariahBank Pejanggik Main Branch. This descriptive qualitative study gathered data from interviewswith key informants to the likes of management and officers of the bank, the developmentteam of the technology division, Customers, and merchants/partners who have collaboratedwith the bank QRIS merchant services. The study concluded that the implementation offinancial technology has run well, and further development pla

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Mariotto, Carlotta, and Marianne Verdier. "Who Pays for Card Payments? A General Model on the Role of Interchange Fees." Review of Network Economics 16, no. 3 (2017): 307–49. http://dx.doi.org/10.1515/rne-2018-0003.

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Abstract When a consumer pays by card, the merchant’s bank pays to the consumer’s bank an interchange fee. In this article, we construct a general model of a card platform that unifies the literature on interchange fees. We enrich the existing frameworks by analyzing the choice of the interchange fee when consumer demand is elastic to retail prices. We show that the difference between the privately set structure of payment card fees and the socially optimal one depends both on banks’ and merchants’ pass-through of their costs to consumers. We argue that the maturity of the payment card market

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Mar’atun Sa’diah. "Perception of Merchants and Consumers Towards Payments Using Qris for UMKM in Mataram." JURNAL PENDIDIKAN IPS 14, no. 2 (2024): 433–40. https://doi.org/10.37630/jpi.v14i2.2185.

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The number of QRIS users in West Nusa Tenggara (NTB) has reached 475 thousand, with Mataram City as the region with the largest number of merchants, namely 87,593 merchants. With QRIS, merchants no longer need to provide many QR Codes to serve buyers because with 1 QR Code with the QRIS logo you can read all non-cash payment applications, to simplify QR Code-based non-cash payments. In the era of the Industrial Revolution 4.0, MSMEs must switch to digital so as not to be left behind in terms of payment systems. This research aims to find out, first, the history of Bank Indonesia launching QRIS

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Kisling, Wilfried. "German merchants, banks, and coffee in Belle Époque Brazil." História Econômica & História de Empresas 27, no. 3 (2024): 719–48. https://doi.org/10.29182/hehe.v27i3.1032.

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This paper explores the critical role of German merchants and banks in Brazil’s coffee industry during the Belle Époque. By 1913, Brazil supplied 80% of the world’s coffee, thanks to strategic foreign involvement, particularly from Germany. German banks, notably the Brasilianische Bank für Deutschland, provided essential financing and market stability. Key findings highlight that German merchants, like Theodor Wille, established robust trading networks, while German banks outpaced their British counterparts in long-term engagement and trade finance.

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Agarwal, Nishant, and Meghna Sharma. "Fraud Risk Prediction in Merchant-Bank Relationship using Regression Modeling." Vikalpa: The Journal for Decision Makers 39, no. 3 (2014): 67–76. http://dx.doi.org/10.1177/0256090920140305.

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Banking industry has gone through one of the worst crisis in recent times, and is still recovering from the after-shocks. However, there were a lot of learnings that banks would have taken away from this crisis. One of them is the need for a robust risk management system. The crisis dealt a blow to the banking system, catching them off guard when it came to foreseeing the risk. Banks, in the credit card business, face financial risk in the form of both credit risk and fraud risk. Sharma and Agarwal (2013) proposed a model for predicting the credit risk from the merchants. This paper builds upo

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Agarwal, Sumit, Wenlan Qian, Bernard Y. Yeung, and Xin Zou. "Mobile Wallet and Entrepreneurial Growth." AEA Papers and Proceedings 109 (May 1, 2019): 48–53. http://dx.doi.org/10.1257/pandp.20191010.

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Using mobile wallet and card transaction data from a leading Singapore bank, this paper studies the effect of a mobile wallet payment technology introduction in 2017 on business growth. We find that mobile wallet usage doubled after the new technology introduction, and the improved payment efficiency generated a significant spillover effect. Small merchants experienced a monthly increase in debit and credit card sales amount (count) of 3.5 percent (3.4 percent) compared to large merchants. The payment technology promoted sales growth primarily for new businesses by facilitating customer acquis

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Maniyar, Vidit. "The role of instant payments and central bank digital currencies in transforming merchant cash management." Journal of Payments Strategy & Systems 19, no. 1 (2025): 54. https://doi.org/10.69554/qtlm5178.

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The emergence of instant payments and central bank digital currencies (CBDCs) is poised to significantly reshape treasury management practices among merchants. These new digital payment models promise near real-time settlement, reduce counterparty risk, and could lower transaction costs, all of which have implications for merchants’ liquidity and working capital strategies. Nevertheless, their adoption also entails new complexities around technology integration, regulatory compliance, and the interplay between multiple payment rails (card, e-money, instant payments and CBDCs). This paper explo

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Prabandari, Ni Putu Dyah Ayu Karina, I. Nyoman Putu Budiartha, and Anak Agung Sagung Laksmi Dewi. "Perlindungan Hukum Bagi Konsumen Nasabah BANK Pemegang Kartu Kredit yang Dibebankan Biaya Tambahan (Surcharge) oleh Merchant dalam Transaksi Pembayaran." Jurnal Preferensi Hukum 3, no. 1 (2022): 126–31. http://dx.doi.org/10.22225/jph.3.1.4671.126-131.

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The development of technology and information makes credit cards in demand by the public. However, consumer protection has not been able to fully guarantee legal protection for consumers, especially for bank customers who hold credit cards. The purposes of this study are to reveal the legal protection arrangements for consumer bank customers who are credit card holders who are charged an additional fee (surcharge) by merchants in payment transactions as well as sanctions against merchants who charge additional fees (surcharge) for consumer bank customers who are credit card holders in payment

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Aurazo, Jose, and Milton Vega. "Card Acceptance by Small Merchants: An Application of the Tourist Test to Peru." Review of Network Economics 20, no. 2 (2021): 101–37. http://dx.doi.org/10.1515/rne-2021-0024.

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Abstract This paper presents a first estimation of the tourist test threshold for interchange fees that makes Peruvian small merchants indifferent between accepting cash and debit cards at the point of sale. We use the tourist test model (initially proposed by Rochet and Tirole), including tax evasion (Aurazo and Vasquez’s model) as an extra factor in the merchants’ decision between cash and card payments. Also, we revisit the existing empirical approaches and propose a new empirical approach, coined as the cash-flow approach, which assumes that small merchants estimate the overall cost in ter

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S, BASAVESH, SATHVIK VH, and DR PARUL TANDAN. "The Impact of Unified Payment Interface (UPI) On Small Business: A Study with Reference to Bangalore City." International Scientific Journal of Engineering and Management 04, no. 07 (2025): 1–9. https://doi.org/10.55041/isjem04823.

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UPI, abbreviation for Unified Payment Interface is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. As of March 2019 there are 141 banks live on UPI with a monthly volume of 799.54 million transactions and a value of ₹1.334 trillion (US$19 billion). UPI witnessed 1,029.44 crore transactions till August 2019. The mobile-only payment system helped transact a total of ₹17.29-la

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Farrell, Mathew, Aulia Dwi Ikhwan, Winda Kartika, Raden Aswin Rahadi, Muhammad Azkaenza, and Muhammad Auzan Haq. "Implementation Study of Quick Response Code Indonesia Standard (QRIS) in Papua Province." Jurnal Manajemen Indonesia 22, no. 3 (2022): 289. http://dx.doi.org/10.25124/jmi.v22i3.4025.

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Bank Indonesia operates as a central bank in Indonesia. Bank Indonesia acts as a regulator and has authority over the whole Indonesian payment system. One of the newest innovations in the payment system is the Quick Response code Indonesia Standard (QRIS). Furthermore, this study aims to evaluate the implementation of payment systems through digital transactions using the Quick Response code Indonesia Standard (QRIS) in Papua Province. This study began with identifying the major issues that occurred from QRIS implementation in Papua Province. There are four major problems with QRIS implementat

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Setiadi, Muhammad Tedy Dorisman, Nur Sulistyo Budi Ambarini, and Widiya N. Rosari. "IMPLEMENTATION OF BANK INDONESIA REGULATION NO. 18/40/PBI/2016 ON PAYMENT TRANSACTIONS USING CREDIT CARDS AT SHOPPING CENTERS IN BENGKULU CITY." Bengkoelen Justice : Jurnal Ilmu Hukum 9, no. 2 (2020): 172–84. http://dx.doi.org/10.33369/j_bengkoelenjust.v9i2.9978.

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The objective of the research was to study the implementation of Bank Indonesia Regulation No.18/40 / PBI / 2016 onDouble Swipe of Credit Card. The empirical juridical approach method in this researchused primary and secondary data as the main research data, through interviews and literature. A credit card is a credit facility provided by the issuing bank to its customers for transaction. From the research it was found thatin prior to the enactment of Bank Indonesia Regulation No.18/40/PBI/2016 on Payment Transactions Using Credit Cards, there were merchants that still do double swipe on credi

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Rockoff, H. "The Baltimore Bank Riot: Political Upheaval in Antebellum Maryland." Enterprise and Society 12, no. 3 (2010): 648–50. http://dx.doi.org/10.1093/es/khq129.

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Menshikova, Evgenia N. "Agrarian Business of Merchant Women of the Central Chernozem Region in Post-reform Period." Vestnik of Saint Petersburg University. History 69, no. 1 (2024): 39–57. http://dx.doi.org/10.21638/spbu02.2024.103.

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The article analyses the forms of the presence of merchant women in the agricultural business of the Central Chernozem region. After the emancipation reform of 1861 in Russia, land became a commodity for all classes. At the time, merchant women showed increased entrepreneurial interest in the land market of the region. Merchant women invested in a variety of types of land: arable land, vegetable gardens, forests, meadows, pastures, swamps, gardens, as well as land in the city that belonged to private individuals or the municipality. On the land outside the city merchants placed their industria

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Gashi, Adelina. "ROLE OF CENTRAL BANK IN KOSOVO IN AGRIBUSINESS INVESTMENTS." KNOWLEDGE INTERNATIONAL JOURNAL 31, no. 5 (2019): 1443–47. http://dx.doi.org/10.35120/kij31051443g.

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The bank offers full financial solutions and has designed a line of products and services to provide unique banking needs to different segments of company. Bank allows clients to select different Fixed Savings Accounts, each modified to match different needs, budgets and financial requirements. Our deposit products offer a combination of affordability, flexibility, liquidity and promising return on investment. The bank has multilateral links with the majority of the transfer company, which provide fast and efficient transfers across the globe. The bank understands the business needs and respec

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Plekhanova, A. M., and A. А. Shirapov. "Formation of Banking in Western Transbaikalia in 19^th Century: Merchant Initiatives." Nauchnyi dialog, no. 6 (June 24, 2021): 392–407. http://dx.doi.org/10.24224/2227-1295-2021-6-392-407.

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An analysis of the contribution of regional merchants to the process of forming a system of credit and financial institutions in the territory of Western Transbaikalia is presented in the article. The history of both successful and unsuccessful attempts to create bank ing institutions in the region has been reconstructed on the basis of reporting and officework documentation stored in the funds of the State Archives of the Republic of Buryatia and the Irkutsk Region, the Russian State Historical Archive. It was found that the creation of the regional banking system was based not on the state,

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Ni, Chong. "Analysis of the Core Competitiveness of Chinese Banks Based on Financial Statements." BCP Business & Management 38 (March 2, 2023): 2144–53. http://dx.doi.org/10.54691/bcpbm.v38i.4052.

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China adapts to market trends and improves its financial system, unified large-scale commercial banks, joint-equity commercial banks, agricultural banks, and other commercial banking systems to create a competitive market. Increasing competition in the banking industry has driven all commercial banks to focus on improving their key skills. This paper analyses Bank of China's fundamental skills through financial statements and makes development-related insights. Core competences help organizations maximise earnings and sustain a competitive advantage, according to this paper. The paper analyses

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Elfrian, Ari, and Novi Tri Putri. "Analysis of the Impact of Digitalization and Labor Force Participation Rate on Gross Regional Domestic Product in Indonesia." Golden Ratio of Social Science and Education 5, no. 1 (2025): 73–79. https://doi.org/10.52970/grsse.v5i1.966.

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This study examines how digitalization and labor force participation affect Indonesia's regional gross domestic product between 2018 and 2023 and uses panel data from 34 provinces. GRDP is the dependent variable, and the independent variables are internet usage, number of merchants, and activity level. The data were obtained from the Central Statistics Agency (BPS) and Bank Indonesia (BI). The analysis method used is multiple regression processed with E-views 12. The research findings show that GRDP is positively and significantly influenced by internet usage, the number of merchants, and the

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Ye, Qiubai, Jiaming Zhang, Siqi Zhou, Leyi Yang, and Tongyu Wu. "Sharing for the Benefit of All." International Journal of Education and Humanities 14, no. 2 (2024): 132–37. http://dx.doi.org/10.54097/6zxx6h85.

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From 2020 to the present, about 30 billion yuan of expired food is wasted in China every year. Against this background, this study proposes a two-pronged parallel food bank supply chain innovation program aimed at solving the problem of expired food waste. Offline, we work with merchants to collect and distribute expired food to the public free of charge, and online, we continuously update social media to popularize expired food and develop a small program that allows the public to communicate directly with merchants and make appointments to collect expired food. The project measured the impac

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Ashila Dwiyanisa, Irena Larashati, Freiti Cindy Muthmainah, Raden Ali Akbar Rachadi, and Siti Sabrina Nurdianti. "Factors Forming E-Service Satisfaction of PJP QRIS on Micro Business Merchants in Bandung City with E-Servqual Approach and E-Service Satisfaction Model." Jurnal Computech & Bisnis 18, no. 2 (2025): 227–52. https://doi.org/10.56447/jcb.v18i2.344.

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This research aims to identify the factors shaping electronic service satisfaction (e-service satisfaction) among micro business merchants in Bandung City using QRIS payment service providers (PJP). The study employs the E-Servqual and E-Service Satisfaction Model. Data were collected through surveys from 330 respondents who are QRIS users in micro businesses. The analysis method used is Exploratory Factor Analysis (EFA) to identify the most influential dimensions of e-service quality impacting user satisfaction. The results indicate four main factors that influence e-service satisfaction: rel

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Gusti, Girang Permata. "INCREASING THE NUMBER OF QRIS MERCHANTS AND THE CHALLENGE OF LOW TRANSACTIONS: ANALYSIS OF CONSUMER FINANCIAL BEHAVIOR IN ADOPTING QR PAYMENTS IN INDONESIA." Malaysian E Commerce Journal 8, no. 1 (2024): 12–16. https://doi.org/10.26480/mecj.01.2024.12.16.

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This research aims to analyze consumer financial behavior using QRIS from Bank Indonesia. The method used is descriptive quantitative with secondary data from the Indonesian Payment Systems Association (ASPI) via the KATADATA website. Research findings show growth in the use of QRIS by 23.97 million traders in December 2022, but the average transaction volume and value per trader is still low. Evaluation of the efforts of payment service providers shows the potential to increase the involvement of registered QRIS merchants, especially in dealing with inactive merchants. This research contribut

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Rojih, Pahrul, and Jerry Heikal. "Clustering Pelanggan Menggunakan Algoritma K-Means Clustering di 7 MCC (Industry) Credit Card PT Bank CIMB Niaga, Tbk." COMSERVA Indonesian Jurnal of Community Services and Development 2, no. 09 (2023): 1924–34. http://dx.doi.org/10.59141/comserva.v2i09.524.

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Electronics & gadgets, hotels, hospitals, groceries and F&B are the 5 biggest transaction usage at PT Bank CIMB Niaga, Tbk. which focuses on shopping activities using a credit card. The number of customer visits fluctuates so much that it is difficult to determine customer interest in buying a product. The purpose of this study is to identify the characteristics, product categories and merchants in the top 5 MCC (Industry) at PT Bank CIMB Niaga, Tbk. using the K-Means Clustering algorithm. There are three variables, namely customer characteristics, product categories, and merchants. Da

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Sharma, Uma, Sahana Madhukar Kokkalaki, and Mr Manjunath S K. "The role of UPI (Unified Payments Interface) in Financial Interoperability in India." IOSR Journal of Business and Management 27, no. 7 (2025): 39–47. https://doi.org/10.9790/487x-2707013947.

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Unified Payments Interface (UPI) is a communication protocol interface that connects multiple banks accounts to one mobile payment gateway. Interoperability of this interface –a feature which was enabled recently has made these connection even more flexible, as this interface enabled with interoperability feature can connect to any bank to a mobile payment gateway making payment seamless through a single unified QR code which is unique to each retail merchant. Impacting the payment time and access to payment gateways. The National Payments Corporation of India (NPCI) introduced UPI as a paymen

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Clarke, Bridget. "The Wider World of Locke's Landlady Rabsy Smithsby." Locke Studies 16 (December 31, 2016): 195–213. http://dx.doi.org/10.5206/ls.2016.642.

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   This essay explores the life and family of Rabsy Smithsby, Locke’s accomplice while he was in Holland and his landlady in London, showing her connections with both the Royal Household and the Cromwell family as well as with Locke and his friends, and with leading merchants and adventurers of her era, as well as noting her surprisingly modern career as ‘personal shopper’ and bank account owner.  

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RASTOGI, ADITYA. "A Comparative Study on Public & PVT. Merchant Bank India." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50486.

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CHAPTER – 1 INTRODUCTION A Merchant Bank in the UK is a financial institution that offers a variety of services, including accepting trade bills, giving advice on mergers and acquisitions, handling foreign exchange, underwriting new issues, and managing investment portfolios. This type of publicly-oriented bank plays a pivotal role as it allows merchants to present various offers aimed at attracting a greater number of clients through unique bundles. “These offers are beneficial for clients as they can take advantage of different packages depending on their specific needs. Essentially, Merchan

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Richards, Katie. "Revisiting the fraud exception: a critique of United City Merchants v Royal Bank of Canada 40 years on." Legal Studies 39, no. 4 (2019): 656–75. http://dx.doi.org/10.1017/lst.2019.6.

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AbstractMuch has changed in the four decades since United City Merchants v Royal Bank of Canada, in which Lord Diplock established the fraud exception in transactions financed by documentary credit. In particular, the introduction of the UCP 600, case law on nullity documents and amendment to the American fraud exception justify a reconsideration of both the policy arguments underpinning Lord Diplock's rule and the fate of documents known to be forged or null at the time of presentation. Accordingly, two arguments are made in this paper. First, a consideration of the broader exception in the U

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S, Vanitha, and Saravanakumar K. "The usage of gold and the investment analysis based on gold rate in India." International Journal of Electrical and Computer Engineering (IJECE) 9, no. 5 (2019): 4296. http://dx.doi.org/10.11591/ijece.v9i5.pp4296-4301.

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Gold is one of the main commodities where the customers invest their money comparatively with bank for better interest. In the Indian context people purchase gold for their children’s marriages for later period. The investment in gold is better suits for easy conversion into money with quickest possible time from the bank and gold merchants. The appreciation or depreciation of gold based on other investment options like fixed deposit, provident fund, international crude oil price, stock market, mutual fund etc. The comparative analysis of gold with other investment options give an edge to the

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Vanitha, S., and K. Saravanakumar. "The usage of gold and the investment analysis based on gold rate in India." International Journal of Electrical and Computer Engineering (IJECE) 9, no. 5 (2019): 4296–301. https://doi.org/10.11591/ijece.v9i5.pp4296-4301.

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Gold is one of the main commodities where the customers invest their money comparatively with bank for better interest. In the Indian context people purchase gold for their children’s marriages for later period. The investment in gold is better suits for easy conversion into money with quickest possible time from the bank and gold merchants. The appreciation or depreciation of gold based on other investment options like fixed deposit, provident fund, international crude oil price, stock market, mutual fund etc. The comparative analysis of gold with other investment options give an edge t

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Irawan, Iwan, Reza Rahman, and Arief Wibowo. "PENGELOMPOKAN TRANSAKSI KARTU DEBIT PERBANKAN MENGGUNAKAN ALGORITMA K-MEANS." Jurnal Sistem Informasi dan Informatika (Simika) 8, no. 1 (2025): 99–110. https://doi.org/10.47080/simika.v8i1.3558.

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One of bank customers' most widely used non-cash payment methods is making payments to merchants using debit cards. The data generated from these transactions can be utilized effectively by banks. This study analyzes customer spending habits through debit card transactions, employing a data mining technique called K-means clustering. By identifying patterns in customer transactions, the research aims to assist business units in developing targeted product strategies. The analysis determined that four clusters were optimal, resulting in a tightly grouped dataset with an average distance of 5.76

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Syachin, Valery. "Analyzing the level of digital transformation in the Chinese banking industry through the Bank Digitalization Index." Public Administration 25, no. 6 (2023): 95–109. https://doi.org/10.22394/2070-8378-2023-25-6-95-109.

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China’s digital banking market is actively developing. At the same time, in the digital transformation area, Chinese banks achieve uneven results, thus hindering a comprehensive assessment of their competitiveness level. This creates the necessity for developing an impartial instrument to perform such an assessment. To assess the effectiveness of commercial banks based on the extent of their digitalization, the author suggests using the Bank Digitalization Index (BDI), which he developed. The index was calculated based on the annual accounts of ten large listed commercial banks in the PRC for

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Espinosa-Cristia, Juan Felipe, José Ignacio Alarcón, and Bernardo Batiz-Lazo. "Local Adaptation of Work Practices: The Case of BancoEstado’s “CajaVecina” Correspondent Banking System." SAGE Open 12, no. 2 (2022): 215824402210899. http://dx.doi.org/10.1177/21582440221089974.

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This article contributes to the discussion of everyday domestic finance technologies by looking at CajaVecina, a correspondent banking network coordinated by BancoEstado, a leading Chilean financial institution. Differences in perceptions between actual users and designers of ICT for development projects (ICT2D) emerged from structured interviews with executives of financial intermediaries, customers, and shopkeepers. The extent to which independent merchants operating CajaVecina’s bespoke terminals confront and solve the “design-actuality gap” questioned whether the CajaVecina system enabled

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Hou, Yuxin, and Shiduo Qian. "Bigdata Analysis Implementation in Financial Field: Evidence from China Merchants Bank & Ant Group." Highlights in Business, Economics and Management 10 (May 9, 2023): 443–48. http://dx.doi.org/10.54097/hbem.v10i.8137.

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Contemporarily, with the growing demands for data analysis, bigdata and machine learning scenarios are proposed in various aspects in order to handle the issues. Especially in finance field, the analysis approach could rapidly and directly increase the efficiency of daily issues as well as reduce the traditional cost. In addition, it can help to distinguish the risk, dig out the logic chain, as well as evaluate the value in not only bank industry but also the insurance, stocks as well as the Fintech corporations. This study chooses two cases to analysis the measures as well as the routine to a

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Denny Riyanto, Eka Sriwahyuni, and Andi Harpepen. "ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT UMKM MUSLIM MENGGUNAKAN QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) DI KELURAHAN PAGAR DEWA KOTA BENGKULU." Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah 16, no. 1 (2024): 13–28. http://dx.doi.org/10.20414/mu.v16i1.9466.

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Bank Indonesia (BI) launched a Quick Response (QR) standard for payments through server-based electronic money applications, digital wallets, or mobile banking. Quick Response Code Indonesian Standard is a unification of various types of QR from various Payment System Service Providers (PJSP) using QR Code developed by Bank Indonesia and the Indonesian Payment System Association which aims to integrate all cashless payment methods in Indonesia. In the era of digit trends the growing number of merchants switched to non-cash payment systems. The purpose of this study is to determine the factors

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Kirillov, Alexey. "Bank Operations and Economic Daily Life of Post-Reform Russia." Journal of Economic History and History of Economics 22, no. 1 (2021): 165–74. http://dx.doi.org/10.17150/2308-2488.2021.22(1).165-174.

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The historiography of post-reform Russia has been enriched with a new valuable book, which demonstrates the important all-Russia processes using materials locally available. The main finding of the monograph is identification of the role that banks play not as credit institutions, but as accounting companies (since wire-transfers are highly-demanded amongst merchants). It was emphasized that special checking accounts were very important for short-term loans of local entrepreneurs (that were not connected with stock market speculations). The statistics of bank operations was used to illustrate

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Faizal, Riza, Lina Marlina, and Ati S. Setiawan. "Enhancing Transaction Smoothness with QRIS Technology: The Role of DIGI by Bank BJB in Optimizing Customer Experience at the Banjar Branch." Brilliance: Research of Artificial Intelligence 4, no. 2 (2024): 722–29. https://doi.org/10.47709/brilliance.v4i2.4928.

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The implementation of the Quick Response Code Indonesian Standard (QRIS) in the DIGI by bank bjb application faces challenges in enhancing the transaction flow for customers at the Banjar Branch. The primary issue is the demand for ease, speed, and efficiency in digital transactions, while aspects such as promotions and QRIS scanning capability across various merchants remain suboptimal. This study aims to examine the impact of QRIS usage within the DIGI application on the transaction flow for bank bjb customers. A quantitative research method with an explanatory survey approach was employed,

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Irdana, Nuryuda, Handayani Rahayuningsih, and Maulida Chairunnisa R. V. "Akseptasi Pedagang Tradisional Terhadap Penggunaan Mesin EDC Perbankan di Pasar Tradisional Ikon Wisata Belanja di Surakarta." Jurnal Pariwisata Terapan 2, no. 2 (2018): 134. http://dx.doi.org/10.22146/jpt.43180.

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Nowadays, some of traditional markets have become as an icon in tourism destination. Shopping is an activity that relatively closed to tourism. There is a traditional market which relatively popular and already known as shopping tourism icon in Surakarta, that is Klewer market. The number of transactions and sales volume that occur in this market is estimated reach out until billion rupiahs.In this era, the utilization of technology change the character of tourists. The development of banking technology can reduce the used of cash money. In doing the tour, tourists mostly bring less cashes. Bu

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Górka, Jakub, and Artur Piątkowski. "4P Cash Logistics Management Model." Sustainability 17, no. 13 (2025): 6092. https://doi.org/10.3390/su17136092.

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This article presents an innovative model for managing cash logistics, grounded in the 4P concept of supply chain management. The 4P framework encompasses four interconnected elements: Product, Players, Processes and Policies. Developed with a focus on sustainability the 4P Cash Logistics Model is based on empirical research conducted in Poland, involving key participants in the cash supply chain—the central bank, commercial banks and cash handling companies. It also incorporates, albeit less explicitly, the perspectives of merchants and consumers as end-users of cash, offering a comprehensive

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Yuqi, Deng. "Exploration on the Transformation of Retail Finance Marketing from “Sitting Business” to “Traveling Business” in Commercial Banks —Take the “Pop-up Shop” Model of C Bank Pedestrian Street as an Example." Journal of Economics and Technology Research 5, no. 2 (2024): p1. http://dx.doi.org/10.22158/jetr.v5n2p1.

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“Sitting business” and “traveling business” are two commonly used modes in marketing practice. “Sitting business” refers to waiting for customers to come to the door, is a kind of signboard and business name to attract customers of the marketing model, such as the commercial street store model, its business characteristics and competitiveness are mainly reflected in the attractiveness of products and the quality of service in the hall. “Merchant” refers to proactive marketing customers, and now refers more to product promotion and branding based on planning and packaging, as well as marketing

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Aghamolla, Cyrus, Pinar Karaca-Mandic, Xuelin Li, and Richard T. Thakor. "Merchants of Death: The Effect of Credit Supply Shocks on Hospital Outcomes." American Economic Review 114, no. 11 (2024): 3623–68. http://dx.doi.org/10.1257/aer.20221705.

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This study examines the link between credit supply and hospital health outcomes. We use bank stress tests as exogenous shocks to credit access for hospitals that have lending relationships with tested banks. We find that affected hospitals shift their operations to increase resource utilization following a negative credit shock but reduce the quality of their care to patients across a variety of measures, including a significant increase in risk-adjusted readmission and mortality rates. The results indicate that access to credit can affect the quality of health care hospitals deliver, pointing

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鲜, 松宇. "Stock Price Prediction of China Merchants Bank Based on GWO-BP Neural Network Modeling." Finance 15, no. 01 (2025): 73–82. https://doi.org/10.12677/fin.2025.151010.

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Singh, Basudeo, and Jasmine K.S. "A New Architecture of Mobile Payment System through Social Media Network." Journal of Electronic Commerce in Organizations 12, no. 3 (2014): 60–74. http://dx.doi.org/10.4018/jeco.2014070104.

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The financial services industry is changing rapidly as a result of advances in information technology, telecommunications and the Internet. Technological innovations and increasing customer demand have led to the emergence of new services and new organizational forms for financial services firms. The gait of innovation in the Social media, the payment system is staggering. The biggest social media sites are Facebook, massive and used by almost everyone, Twitter, the micro-blogging, and LinkedIn, the online professional networking site. By using the social media connections as a method to excha

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Ren, Buxin, Di Wu, and Jiayi Zhang. "Research on the Influence of Discount on Consumers’ Purchase Attractiveness and Coping Strategies -- Taking Consumers Aged 26-35 as an Example." BCP Business & Management 34 (December 14, 2022): 461–69. http://dx.doi.org/10.54691/bcpbm.v34i.3050.

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Promotions are the driving force of consumption for E-commerce platforms, such as the “Double Eleven” shopping carnival in China, in which major e-commerce platforms participate, which has been setting new records for its volume over the past decade. Statistics from the People’s Bank of China (PBOC) show that online payment services exceeded ¥1.4 trillion in the shopping frenzy in 2019 (PBOC, 2019). The same is true in other parts of the world. For example, “Prime Day” in the United States is equivalently attractive for American shoppers. In addition to policy support and market dividends, dis

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