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Journal articles on the topic 'Modern payment technologies'

Author: Grafiati

Published: 5 June 2025

Last updated: 1 August 2025

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1

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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2

ZATONATSKA, Tetiana, and Olena VOLVACH. "CURRENT STATE OF THE UKRAINIAN MARKET OF ELECTRONIC PAYMENT SYSTEMS." WORLD OF FINANCE, no. 2(67) (2021): 118–28. http://dx.doi.org/10.35774/sf2021.02.118.

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Introduction. Today, almost the only industry in the country that Ukraine can really be proud of and which is considered one of the most technologically advanced in the world is the development of card technologies, payment technologies and card infrastructure. The purpose of the article is to analyze the current state of electronic payment systems in Ukraine and highlight development trends. Results. The modern fintech directions in Ukraine are analyzed and examples of the impact of COVID-19 on the market of electronic payment systems for the last period are given. A number of trends are high

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Kiszely, Róbert, József Czimer, and Máté Biró-Lebovits. "How the instant payment central infrastructure can be a payment solution at the same time — the Hungarian example." Journal of Digital Banking 9, no. 3 (2024): 259. https://doi.org/10.69554/mmuy1758.

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Instant payments are among the strongest growing technologies in the payment industry. Current trends and regulations indicate that instant payments will be ubiquitous in the coming years. That provides a solid foundation for a payment method leveraging modern technologies such as internet and smartphones. Instant payments, however, have not yet been used in all possible payment situations. Country-level projects implement the instant payments central infrastructure for interbank processing. All the existing solutions based on these infrastructures focus on a limited set of payment situations,

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Bakšys, Donatas, and Leonidas Sakalauskas. "MODELLING OF INTERBANK PAYMENTS." Technological and Economic Development of Economy 12, no. 4 (2006): 269–75. http://dx.doi.org/10.3846/13928619.2006.9637753.

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Non‐cash payments are intensively growing in the payment market. Therefore modern electronic systems of interbank payments are introduced to satisfy this need. The substantial renewal of the payment system was prompted for the implementation of the new banking technologies and aimed at increasing fund turnover as well as complying with the requirements applied in regard of payment systems. Such a system change is a topical theme of discussion on the simulation and analysis of systems of such kind. The article analyses the opportunities for simulating the interbank payment system and presents a

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KULUMBEKOVA, T. E. "DIGITAL TECHNOLOGIES AND IMPROVING THE ADMINISTRATION OF CUSTOMS PAYMENTS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5, no. 11 (2020): 120–25. http://dx.doi.org/10.36871/ek.up.p.r.2020.11.05.021.

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The article examines the main indicators of improving the effectiveness of control measures for the administration of customs payments, and other payments levied by customs authorities using modern digital technologies. The advantages of the transition to the payment of export customs duties and other payments for the period after the release of goods for law-abiding participants in foreign economic activity are also investigated. The results of joint control measures of customs and tax services are also shown.

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6

Savić, Marko, Nikola Pavlović, and Miloš Milanović. "ANALYSIS OF MODERN PAYMENT SYSTEMS IN SERBIA AND COUNTRIES IN THE REGION." Oditor 10, no. 2 (2024): 1–31. http://dx.doi.org/10.59864/oditor12402ms.

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With the development of the Internet and the increasingly rapid progress of information technologies, electronic banking becomes available to all clients, regardless of geographical location. If we analyze the market of the Republic of Serbia, we can see that electronic payments are less developed in Serbia compared to the countries of the region, and especially compared to the world. The subject of the research will be the use of electronic payment systems, mobile payments, as well as a comparative analysis of their use in the Republic of Serbia and the countries of the region with the aim of

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Ajuwon, Ayodeji, Chigozie Regina Nwangele, Abiola Oyeronke Akintobi, and Tolulope Joyce Oladuji. "The Impact of AI and Blockchain on Financial Operations: A Review of Modern Payment Systems." International Journal of Social Science Exceptional Research 1, no. 2 (2022): 143–55. https://doi.org/10.54660/ijsser.2022.1.2.143-155.

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This review explores the transformative impact of Artificial Intelligence (AI) and blockchain technologies on financial operations, with a particular focus on modern payment systems. As the financial sector undergoes rapid digital transformation, AI and blockchain emerge as key drivers reshaping payment processing, fraud detection, transaction security, and operational efficiency. AI enhances payment systems by enabling real-time data analysis, intelligent automation, and adaptive risk management, while blockchain offers decentralized, transparent, and immutable transaction records that increa

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8

Khomenko, E. G. "Modern technologies in the national payment system and state security: combination rules." Courier of Kutafin Moscow State Law University (MSAL)), no. 9 (November 7, 2020): 162–70. http://dx.doi.org/10.17803/2311-5998.2020.73.9.162-170.

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The national payment system, which provides services to the entire spectrum of the financial system using all the latest technologies, is a complex institution that is important for the state and society as a whole. Modern technologies significantly simplify the life of the population and speed up the process of providing payment services. Domestic information technologies are developed and used in the provision of payment services, some of which are discussed in this article. Also studied the correlation of business interests and state interests underlying the development of the national paym

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9

Abada, Abderraouf, Messaoud Boukhalfi, Mohammed Abderrahmane Bentadjine, and Abdelfattah Daoudi. "The Role of Financial Technology in Promoting Digital Finances in Algeria (2016-2024)." Oblik i finansi, no. 4(106) (2024): 5–14. https://doi.org/10.33146/2307-9878-2024-4(106)-5-14.

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The financial technologies are changing the approach to service delivery in the banking sector. These technologies reduce costs, increase speed, security, and transparency, and enable safer financial services. They also pave the way for financial inclusion by expanding and generalizing financial services, making them accessible to a larger segment of society, particularly those who do not use the traditional financial and banking system. This study aimed to clarify the extent of financial technology's contribution to achieving digital financial inclusion in Algeria through electronic payment m

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Rybchuk, Anatoliy V., and Yury R. Kozyr. "The Prospects for the Use of Bank Electronic Means of Payment." Business Inform 2, no. 541 (2023): 216–22. http://dx.doi.org/10.32983/2222-4459-2023-2-216-222.

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The article explores the current trends in the development of the market of electronic payment systems, which involves the active use of innovative means of payment and strengthens the importance of non-cash payments for electronic customer service. It is substantiated that payment systems, forming an infrastructure of non-cash cash turnover, must meet the objectives of the country’s monetary policy as to targeting inflation, accelerating money circulation, maintaining liquidity, and sovereignizing national payment turnover. It is noted that the material embodiment of electronic technologies i

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11

Iorngurum, Tersoo David, and Chukwudum Godwin Nwaobi. "An impulse response function analysis of the impact of modern payment technologies on money demand in Nigeria." Theoretical and Applied Economics Volume XXVIII, no. 2 (2021): 97–112. https://doi.org/10.5281/zenodo.5658277.

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In order to assess the efficacy of modern payment technologies in facilitating access to liquidity services in Nigeria, this study employs impulse response function (IRF) analysis and variance decomposition (VD) analysis to study the relationship between modern payment technology patronage and money demanded primarily for liquidity services (currency) in the Nigerian economy during the period 2009Q1 to 2019Q1. Firstly, via impulse response function (IRF) analysis, the study finds that the money demanded primarily for liquidity services responds positively to shocks in modern payment technology

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12

Gutta, Sunny. "Strategic liquidity management: Driving financial flexibility with modern payment solutions." Journal of Payments Strategy & Systems 19, no. 2 (2025): 124. https://doi.org/10.69554/ipdd6721.

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In an economy that is ripe with economic policy uncertainty, businesses need to manage liquidity efficiently to survive the troughs and shocks. Chief financial officers and treasurers equally recognise the risk that inefficient liquidity management can pose to the very survival of the company. This research explores the transformative potential of modern payment solutions in optimising liquidity and enhancing financial flexibility for non-financial companies. It investigates how the strategic adoption of real-time payments, blockchain technologies and other innovative payment mechanisms can re

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Chinnapa Reddy Yeruva. "Combatting fraud in real-time payments: Strategies and technologies for securing instant payment systems." International Journal of Science and Research Archive 14, no. 1 (2025): 1304–9. https://doi.org/10.30574/ijsra.2025.14.1.0236.

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This comprehensive article explores the evolution and security challenges of real-time payment systems in the modern financial landscape. The article examines advanced fraud prevention strategies, including machine learning algorithms, artificial intelligence implementation, and real-time monitoring systems. It explores the transformation of Know Your Customer (KYC) processes through AI-powered identity verification and discusses the critical balance between security measures and user experience. The article further delves into emerging technologies such as quantum-resistant cryptography and e

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14

Nazarova, Iryna. "Evolution of accounting and information systems cashless payments." Herald of Economics, no. 4 (March 16, 2022): 211. http://dx.doi.org/10.35774/visnyk2021.04.211.

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Introduction. Digitalization of the market economy creates conditions for minimizing cash payments. The abandonment from cash payments is justified by positive trends in: distancing e-commerce, the use of cashless payment systems and pandemic changes in socio-economic processes. Changes in the cash payments methods require the introduction of accounting and information systems for electronic recording of money operations, accounting and reporting of payment transactions, guarantees for the safety and control of cashless money.Purpose. The aim of the article is to research the evolution of acco

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15

Uglitskikh, Olga N., Yulia E. Sizon, and Raisa I. Safiullaeva. "DIGITAL FINANCIAL TECHNOLOGIES: CRYPTOCURRENCY AND BANKING TRANSACTIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/3, no. 141 (2023): 174–80. http://dx.doi.org/10.36871/ek.up.p.r.2023.12.03.020.

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The article discusses modern digital financial technologies used in transactions with decentralized and centralized finance. The blockchain technology is presented, on the basis of which the world’s cryptocurrencies are created and bank payments are made. Attention is paid to Russian cryptocurrencies and the possibility of using them as a means of payment when transferring funds. The advantages and disadvantages of cryptocurrency and banking transactions are compared. The conclusion is made about the choice based on the individual needs and preferences of users, as well as the availability and

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Филина, М. А., С. К. Абдурахманов, and М. Т. Гамзагаджиев. "Modern trends in the development of international payment systems and the national payment system "Mir"." Экономика и предпринимательство, no. 8(133) (November 16, 2021): 260–64. http://dx.doi.org/10.34925/eip.2021.133.8.048.

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В статье рассматриваются тенденции и направления развития международных платёжных систем, существенное внимание было уделено инновационным технологиям, которые внедрены в практику их функционирования. Также в статье освещены проблемы и перспективы развития национальной платёжной системы «МИР». Сделаны выводы о том, что на сегодняшний день огромное количество существующих платежных систем функционирует в условиях сильной конкуренции и постоянного совершенствования. В этой сфере появляются новые технологии, инновационные решения, формы расчетов на дому в режиме реального времени. Наряду с преиму

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17

Narendranath Yenuganti. "Enhanced payment gateway integration: A technical deep dive." World Journal of Advanced Research and Reviews 26, no. 1 (2025): 1998–2006. https://doi.org/10.30574/wjarr.2025.26.1.1290.

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This article examines the evolutionary transition from traditional on-premises data warehouses to cloud-native Digital payment ecosystems have undergone a transformative evolution, driven by technological innovations and shifting consumer preferences. Modern payment gateway integration transcends traditional transactional processes, encompassing sophisticated architectures that seamlessly blend security, performance, and user experience. The intricate landscape of digital payments now incorporates multifaceted technologies including cryptocurrencies, advanced encryption protocols, intelligent

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18

TROFIMOVA, Elena A., Tatiana A. KOLTSOVA, Tatiana V. BAKUNOVA, and Alena E. Zaborovskaya. "MODERN TRENDS IN TAXATION." Tyumen State University Herald. Social, Economic, and Law Research 8, no. 1 (2022): 307–30. http://dx.doi.org/10.21684/2411-7897-2022-8-1-307-330.

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Economic growth in Russia is impossible without the widespread use of cloud and mobile technologies in the tax system. The study is aimed at identifying aspects of the introduction of information and communication technologies (ICT) in tax procedures in order to increase economic growth rates and at substantiating the importance of using digital technologies in the tax sphere, taking into account the need to increase tax revenues. Digital technologies are relevant in most tax legal relations, including the calculation and payment of taxes, the process of implementing tax control by the state.

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19

Rusudan Papaskiri, Rusudan Papaskiri, and Nika Tkebuchava Nika Tkebuchava. "The Role of International Settlement Interbank System In the Modern World." Economics 105, no. 4-5 (2022): 296–303. http://dx.doi.org/10.36962/ecs105/4-5/2022-296.

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The article discusses the modern interbank settlement system, including SWIFT, its impact on the global financial system, and SWIFT's role in relation to financial sanctions. The aim of the paper is to present, based on the current economic processes in the world, how SWIFT operates in Georgia, to set priority ways for the development of interbank payment systems. The introduction of modern forms and methods of payment ensures the effective operation of the banking and financial system in Georgia. Development of international standards and technologies globally. Real-time transfers contribute

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20

Researcher. "BUILDING RESILIENT AND SCALABLE PAYMENT GATEWAYS FOR THE FUTURE." International Journal of Research In Computer Applications and Information Technology (IJRCAIT) 7, no. 2 (2024): 1000–1016. https://doi.org/10.5281/zenodo.14055587.

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As digital transactions dominate the global financial landscape, the need for robust, scalable, and secure payment gateways has never been more critical. This article explores the key considerations and challenges in designing and implementing payment gateways that can handle high transaction volumes, ensure low latency, and maintain compliance with evolving global financial regulations. The article reveals that modern payment infrastructures must process volume surging to over 40,000 transactions per second during peak periods while maintaining processing times under 100 milliseconds. The art

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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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Krivoruchko, S. V., I. A. Rizvanova, and A. V. Berdyshev. "Development of the bank of russia’s fast payment system in modern conditions." Vestnik Universiteta, no. 8 (October 11, 2024): 163–74. http://dx.doi.org/10.26425/1816-4277-2024-8-163-174.

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The financial market development in Russia and in the world is currently characterized by a number of processes such as emergence of a large number of new products and new formats implementation for their provision, expansion of the geography of financial institutions presence, national boundaries erasure in acquisition and provision of financial services, sales channels improvement for financial products and services, including remote ones, using modern information technologies. The article studies issues related to the current state and prospects of the fast payment system (hereinafter refer

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23

Iorngurum, Tersoo. "Gauging the Effects of Modern Payment Technologies Adoption on the Demand for Money in Nigeria." Economic Analysis 52, no. 2 (2019): 12–27. http://dx.doi.org/10.28934/ea.19.52.2.pp12-27.

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In contrast to the global intermediate goals of monetary policy, “financial exclusion” remains prevalent. Therefore, using the Nigerian economy as a point of reference, this paper attempts to shed more light on the role played by modern payment technologies in promoting financial inclusion, especially as it relates to the provision of currency in the hands of the Nigerian public for liquidity services during the period 2009:Q1 to 2017:Q4. In actualizing this objective, the Johansen cointegration method is employed to test for cointegration alongside vector error correction modeling (VECM) tech

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Parpieva, Ra’no, Nafisa Norboyeva, and Adiba Turayeva. "IMPROVING THE EFFICIENCY OF USING INFORMATION AND COMMUNICATION TECHNOLOGIES IN THE BANKING SYSTEM." INNOVATIONS IN ECONOMY 4, no. 4 (2021): 41–46. http://dx.doi.org/10.26739/2181-9491-2021-4-6.

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This article will serve to select the system required for the effective use of information and communication technologies in the banking system and the impact of national payment systems in the banking sector on modern society, the effective use of new modern information technologies in the system.Study of foreign experience to select information and communication technologies that should be used in modern banks with information and communication technologies in the banking system, which have been used before.

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25

Shatrughna Upadhyay. "Next-Generation Payment Protocols: Architecting Secure, Scalable, and Real-Time Transaction Systems." International Journal of Scientific Research in Computer Science, Engineering and Information Technology 11, no. 1 (2025): 2322–32. https://doi.org/10.32628/cseit251112275.

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The evolution of digital payment systems represents a critical transformation in global financial infrastructure, driven by increasing demands for faster, more secure, and scalable transaction processing. This comprehensive article examines the architecture, implementation, and future directions of next-generation payment protocols, focusing on three fundamental pillars: ISO 20022 messaging standards, Layer 2 scaling solutions, and real-time settlement networks. The article analyzes how these components work in concert to address current limitations in traditional payment systems while enablin

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26

Kovalchuk, Tamila H. "Global Trends and Directions for the Development of Digital Innovations in the Payment Services Market." Business Inform 10, no. 561 (2024): 35–40. https://doi.org/10.32983/2222-4459-2024-10-35-40.

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The article examines global trends and directions for the development of digital innovations in the payment services market; the main types of payment used in world payment systems and forming global trends and directions of development in the market of payment services are considered; the latest digital innovations used for efficient settlements in the modern world contributing to the further growth of the global payment market have been identified; the factors influencing the growth of digital payments are highlighted, their advantages and disadvantages are identified; privacy and security t

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Khan, Ali Nawaz, Xiongfei Cao, and Abdul Hameed Pitafi. "Personality Traits as Predictor of M-Payment Systems." Journal of Organizational and End User Computing 31, no. 4 (2019): 89–110. http://dx.doi.org/10.4018/joeuc.2019100105.

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Mobile phones have led to a great revolution of modern society, helpful for many businesses to reorient their sales methods towards effective commercial formats. The m-payment, for instance, as an emergent technology to these novel commercial setups, is now undertaking the adoption process. Individual users are known to vary in their tendency to accept new technologies. Not surprisingly, some conceptual models describe how and why individuals use m-payments. Until recently, however, the role of personality in overall, and the big five model of personality, in particular, had remained mostly un

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Lebedeva, Daria V. "THE PROSPECTS FOR DIGITAL CURRENCIES USING IN THE CONTEXT OF MODERN ECONOMIC TRANSFORMATIONS." RSUH/RGGU Bulletin. Series Economics. Management. Law, no. 4 (2024): 103–16. https://doi.org/10.28995/2073-6304-2024-4-103-116.

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The paper formulates the concept of “digital currency”, presents types of digital currencies, their classification. It considers the circumstances of the growing popularity of virtual types of mutual payments, which led to the transition from the system of traditional remote banking services to digital forms. A comparative description of existing types of digital currencies is given, such as centralized and decentralized digital currencies, virtual money and stablecoins. The article highlights main features, advantages and disadvantages of each of them. The author established that business rep

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Колесова, Ю. И. "Development trends of the modern retail payment services market." Экономика и предпринимательство, no. 7(132) (October 11, 2021): 183–89. http://dx.doi.org/10.34925/eip.2021.132.7.028.

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В статье подробно анализируется процесс цифровизации российского рынка розничных платежных услуг, сформировавший устойчивый спрос на современные платежные технологии. Отмечено, что в условиях цифровой экономики элементы, составляющие понятие «платежной услуги», неразрывно связаны с заложенной в нее технологией. Описаны факторы институционального и инфраструктурного уровня, определяющие развитие рынка платежных услуг в условиях цифровизации экономики и изменений глобального контекста. The author analyzes the process of digitalization of the retail payment services market in Russia, which caused

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Orlova, Valentina A. "MODERN IT SERVICES AND INNOVATIONS IN FINANCIAL SERVICES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 7/2, no. 160 (2025): 163–68. https://doi.org/10.36871/ek.up.p.r.2025.07.02.017.

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In the modern world, digital technologies and innovations play a key role in ensuring the sustainable development of economic systems. Digitalization requires companies to be flexible, able to adapt quickly to new technologies and remain competitive. Depending on the degree of readiness, companies need to create and implement various financial and innovative strategies that include the transition of customers to the digital space at the stage of transformation of the financial services sector . Modern IT services and innovations in the field of financial services are systematized, which will m

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Zaborovskaya, Alena E., Elena A. Trofimova, and Zafar K. Zoidov. "The specifics of the organization and modern trends in non-cash payments: russian practice." Market economy problems, no. 4 (2021): 112–32. http://dx.doi.org/10.33051/2500-2325-2021-4-112-132.

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The research is aimed at identifying the direction of development and studying the existing system of non-cash payments in the Russian Federation. Due to the spread of modern information technologies, the gradual development of non-cash payments and the displacement of cash from many areas of economic relations continues. World experience confirms that developed countries with highly efficient economies use highly developed technologies and have been making serious efforts to develop non-cash payments for more than fifteen years. The purpose of the study is to study the existing system of non-

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Pozhydaeva, M. A. "EVOLUTION OF THE USE OF ELECTRONIC PAYMENT INSTRUMENTS: FINANCIAL AND LEGAL ASPECT." Legal horizons 33, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p.

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

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Pyrih, Svitlana. "Development of payment infrastructure in context growth of cashless settlements in Ukraine." Economic Forum 13, no. 4 (2023): 167–74. https://doi.org/10.62763/cb/4.2023.167.

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The article summarizes the issue of payment infrastructure development in the context of the growth of cashless payments in Ukraine, which is one of the main elements of operations, regarding the transfer of monetary value in exchange for goods/services in non-cash form.The main purpose of the study is to assess the development of the payment infrastructure and the dependence of the growth of non-cash payments on the development of the payment infrastructure. Systematization of literary sources and approaches to problem solving shows that this process requires improvement of modern technologie

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Venugopal Reddy Depa. "Technical Deep Dive: MuleSoft's API-Led Architecture in Modern Banking Payment Systems." International Journal of Scientific Research in Computer Science, Engineering and Information Technology 11, no. 1 (2025): 36–44. https://doi.org/10.32628/cseit25111207.

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This technical article examines the architectural framework and implementation methodology of MuleSoft's Anypoint Platform in modern banking payment systems. The article analyzes the platform's API-led connectivity approach, exploring its three-layer architecture comprising experience APIs, Process APIs, and system APIs. The article covers system integration patterns, security implementations, performance optimization strategies, and disaster recovery mechanisms. The article demonstrates how MuleSoft's architecture enables financial institutions to achieve robust payment processing capabilitie

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Shringarpure, Para S., and Pooja S. Nimbalgundi. "The Future of Financial Transactions: Analyzing the Growth and Challenges of Mobile Payments and Digital Wallet Technologies." International Journal of Advance and Applied Research 6, no. 25(B) (2025): 119–25. https://doi.org/10.5281/zenodo.15314716.

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<strong>Abstract:</strong> In today’s world, financial transactions with mobile payments and digital wallet technologies have emerged as pivotal component of modern financial ecosystem. Rapid advancement of technologies has further revolutionized this digital system. This paper examines the growth, opportunities, and challenges associated with these technologies, providing a comprehensive analysis of their role in shaping the future of financial transactions. The primary objective of this research is to explore the adoption trends of mobile payment platforms and digital wallets, assess t

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Nagrale, Ajay Venkat. "Digital Infrastructure Transformation in Payment Systems: The Convergence of Virtualization, Cloud Computing, and Replication." European Journal of Computer Science and Information Technology 13, no. 19 (2025): 13–23. https://doi.org/10.37745/ejcsit.2013/vol13n191323.

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This article examines the transformative impact of three key technologies—virtualization, cloud computing, and replication—on modern payment systems. As financial transactions increasingly migrate to digital channels, payment service providers face mounting challenges related to security vulnerabilities, scalability limitations, and reliability concerns. The article explores how these three technological paradigms are being integrated to create robust payment infrastructures capable of meeting contemporary demands. Through analysis of implementation strategies and case studies from industry le

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Shah, Chirag Vinalbhai. "Securing Digital Transactions: The Role of AI, Big Data, and Biometric Authentication in Modern Payment Systems." Global Research and Development Journals 9, no. 7 (2024): 15–24. http://dx.doi.org/10.70179/grdjev09i100009.

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In an era where digital transactions are increasingly integral to economic activity, ensuring their security has become paramount. This paper explores the pivotal role of Artificial Intelligence (AI), Big Data, and Biometric Authentication in fortifying modern payment systems against fraud and cyber threats. AI algorithms enhance transaction security through predictive analytics and anomaly detection, while Big Data provides comprehensive insights into transactional patterns and potential vulnerabilities. Biometric authentication, incorporating technologies such as fingerprint recognition, fac

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Pozhydaeva, M. A. "Evolution of the use of electronic payment instruments: financial and legal aspect." Legal horizons, no. 20 (2020): 82–87. http://dx.doi.org/10.21272/legalhorizons.2020.i20.p82.

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

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Prykaziuk, N., and D. Pasevych. "Serving the Economies of Countries with Electronic Payment Systems." Bulletin of Taras Shevchenko National University of Kyiv. Economics, no. 215 (2021): 40–46. http://dx.doi.org/10.17721/1728-2667.2021/215-2/5.

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The environmental and health care challenges pose new requirements for the level of technological equipment responsible for uninterrupted financial flows. The research is based on the following indicators: gross domestic product; e-commerce revenue; the share of banks’ participation in e-commerce; the level of cash usage in developed and developing countries; online and offline payments in European countries. The following statistical sources were used: the IMF, Statista, McKinsey, Adobe Analytics, Blue Yonder, Oliver Wyman, BIS, etc. We detected that the European countries became one of the f

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Dziubliuk, Oleksandr. "Optimization of the structure of modern money circulation in the context of the role of cash payments." Herald of Economics, no. 3 (October 21, 2022): 78. http://dx.doi.org/10.35774/visnyk2022.03.078.

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Introduction. The dynamics of the economic development of any country largely depends on the state and efficiency of money circulation, the functioning of which could not be untouched by modern trends of virtualization of the economic environment and digitalization of interaction between market entities. Under such circumstances, determining the role and place of cash payments in the general system of monetary relations, the development of which is significantly influenced by digital technologies, should be considered as an urgent task in the view of maintaining the stability of monetary circu

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Varun Raj Duvalla. "Real-time fraud detection in digital payments: Leveraging AI and behavioral analytics." World Journal of Advanced Research and Reviews 26, no. 2 (2025): 1372–80. https://doi.org/10.30574/wjarr.2025.26.2.1778.

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Real-time fraud detection in digital payments has undergone a significant transformation, evolving from traditional rule-based systems to sophisticated artificial intelligence frameworks that leverage behavioral analytics. This article examines how modern payment platforms implement advanced machine-learning algorithms to analyze transaction patterns, device usage, geolocation data, and biometric indicators to identify potential fraud with unprecedented accuracy. It explores the architectural components of effective fraud detection systems, the role of behavioral biometrics in distinguishing l

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Feruś, Anna. "State and Prospects for Development of the Payment Card Market in Poland." Folia Oeconomica Stetinensia 24, no. 2 (2024): 100–124. https://doi.org/10.2478/foli-2024-0018.

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Abstract Research background The development of innovative technologies has contributed to significant changes in the market for payment instruments. These changes have become a challenge for banks and have contributed to the continuous expansion of the products they offer, more technologically advanced, which will provide the customer with a high level of security. Banks, in order to meet customer expectations, are developing and improving the most popular distribution channels for their services, which are undoubtedly payment cards. Purpose The aim of the paper is to define and classify non-

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كامل مجيد, حيدر, та أ. د. وحيدة جبر المنشد. "واقع وسائل الدفع الالكترونية في العراق للمدة ( 2010 – 2018)". Iraqi Journal For Economic Sciences 2021, № 69 (2021): 38–66. http://dx.doi.org/10.31272/ijes2021.69.3.

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The recent technological developments and innovations that have taken place at the international level have led to a revolution in the world of information and communications, and this is one of the most important features of the modern era that affected society and individuals began to deal on its basis because it harnesses modern technologies to give individuals new options that reduce time and effort and reduce the cost, and thus what I produce This development affected various economic, legal, social and cultural sectors, and since the banking sector is one of the most important economic s

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Amangozhaeva, A. B., M. A. Markelova, and D. T. Dzharikbaeva. "Analysis of reforming the national payment system of the Republic of Kazakhstan." Bulletin of "Turan" University, no. 4 (December 25, 2022): 275–87. http://dx.doi.org/10.46914/1562-2959-2022-1-4-275-287.

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The article deals with theoretical, methodological and practical aspects of risk assessment of the national payment system. A comparative analysis of world models for assessing the risks of payment systems is presented. Due to the growth of market infrastructure around the world, technological changes and the development of the global and national regulatory environment, an increase in production volumes and, accordingly, an increase in the number of operations of business entities, including individuals and enterprises in the field of material production, as well as in In the field of financi

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Islam, Md Rafiqul, Muhammad Mahbubur Rashid, Mohammed Ataur Rahman, Muslin Har Sani Bin Mohamad, and Abd Halim Bin Embang. "Analysis of Blockchain-Based Ripple and Swift." Asian Journal of Electrical and Electronic Engineering 2, no. 1 (2022): 1–8. http://dx.doi.org/10.69955/ajoeee.2022.v2i1.26.

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Blockchain is one of the modern new edge technologies which is capable of transforming the traditional financial system, especially in the financial industry. Cross-border money transfer is one of the big challenges in terms of security, cost, and other regulatory issues. Presently, the most popular international money transfer system is SWIFT in the financial sector. Ripple is one of the upcoming payment networks for cross-border payment systems based on blockchain technology and uses its own cryptocurrency called XRP. This paper highlights the implementation challenges of SWIFT and Ripple ne

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Мхитарян, Р. М., К. С. Безпалова, and И. И. Саенко. "Modern technologies for awarding rewards and motivation within the company." Applied Economic Researches Journal, no. 3 (June 13, 2024): 23–30. http://dx.doi.org/10.47576/2949-1908.2024.3.3.002.

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В статье исследованы особенности современных технологий начисления поощрений и мотивации внутри компании. Исследована роль системы мотивации труда персонала. Проведен анализ учета групп факторов стимулирования в системах оплаты и стимулирования труда, используемых российскими компаниями. Выявлены по использованию модели рациональных трудовых отношений в компании. This scientific article examines the features of modern technologies for awarding rewards and motivation within the company. The role of the personnel motivation system is investigated. The analysis of accounting for groups of incenti

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Kim, Minho. "The Influence of Face Recognition Payment on User Resistance and Intention to Use." Global Convergence Research Academy 3, no. 1 (2024): 40–52. http://dx.doi.org/10.57199/jgcr.2024.3.1.40.

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The modern society is undergoing tremendous changes due to technological innovation. The birth of new technologies such as artificial intelligence (AI), Internet of Things (IoT), big data, and cloud computing marks the beginning of the fourth industrial revolution. Various new industries are rapidly emerging as information and communication technology (ICT), artificial intelligence, big data, and other new technologies such as the Internet of Things are combined. Fintech is a technology that is attracting attention as new technologies and the financial industry merge. The concept of Fintech wa

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Shakhnazarov, B. A. "Legal Support of International Settlements in Modern Conditions." Lex Russica 78, no. 1 (2025): 38–49. https://doi.org/10.17803/1729-5920.2025.218.1.038-049.

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In the context of globalization, even in the context of economic crises, the focus on increasing corporate income and maintaining and increasing capital encourages companies around the world to analyze dynamically changing opportunities for geographical presence, operational activities, the potential for international settlements, including various settlement tools that directly affect the implementation and development of business. It is also necessary to take into account the current conditions of economic restrictions that are widespread and affect financial, banking, including settlements

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Burda, Yurii. "IMPROVEMENT OF THE ECOSYSTEM SERVICES PAYMENT SYSTEM IN THE TERRITORY OF NATIONAL PARKS." Economics and Management, no. 1 (2025): 37–42. https://doi.org/10.32782/2312-7872.1.2025.05.

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The purpose of this article is to substantiate the theoretical foundations and develop practical recommendations for improving the payment system for ecosystem services of forest ecosystems in national parks. The study highlights the issues of insufficient funding for conservation measures and the need to apply market-based mechanisms for evaluating ecosystem services. The author’s contribution lies in the systematization of modern approaches to financing ecosystem services, analyzing the effectiveness of existing payment mechanisms, and formulating recommendations for their optimization. The

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Volkova, Yuliia, Bohdan Bon, Anton Borysenko, Yuliia Leheza, and Yevhen Leheza. "CRYPTO MARKET EXPERIENCE: Navigating Regulatory Challenges in Modern Conditions." Al-Risalah: Forum Kajian Hukum dan Sosial Kemasyarakatan 24, no. 2 (2024): 178–94. https://doi.org/10.30631/alrisalah.v24i2.1625.

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The legal regulation of digital finance is at an initial stage. It has been proven that many countries are favorable to the full or partial recognition of cryptocurrency as a means of payment, among them: Spain - the official payment system; Germany - monetary unit and form of private money; USA - currency, form of money, Sweden - contractual means of payment; the object of money transfers in certain states, Canada - a means of calculation, etc. It has been established that in Ukraine, the conservative nature of legal regulation of financial relations is considered in the context of implementi

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