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Journal articles on the topic 'Payment offer'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Barron, Anne. "“I'll get it”: Payment offers, payment offer sequences and gender on First Dates." Journal of Pragmatics 235 (January 2025): 4–25. http://dx.doi.org/10.1016/j.pragma.2024.10.006.

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2

Jalbert, Terrance, Jonathan D. Stewart, and Terry Pope. "How Do Minimum Payment Changes Affect Credit Card Arbitrage?" Journal of Applied Business Research (JABR) 28, no. 3 (2012): 385. http://dx.doi.org/10.19030/jabr.v28i3.6956.

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This paper examines how changes in the minimum payment percentage and effective maturity of introductory offers affect credit card arbitrage. Credit Card arbitrage involves taking a cash advance on, or making purchases against, a credit card that offers a low or zero percent introductory interest rate. The proceeds are deposited into a Federal Deposit Insurance Corporation (FDIC) insured money market account. Profits from this strategy are dependent on factors including the minimum payment due on the credit card each month. Recently, under pressure from the U.S. Office of the Comptroller of th

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Wang, Li, Junfeng Tian, Yanhong Si, and Xixiu Sun. "Optimal duration, rate and price when online retailers offer installment payment services." Nankai Business Review International 12, no. 1 (2021): 96–121. http://dx.doi.org/10.1108/nbri-08-2019-0039.

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Purpose Online retailers have become gradually popular to offer consumers installment payment services in the past few years. This paper aims to study how to determine the duration and rate of installment payment services, as well as the price of products to increase online retailers’ profits. Design/methodology/approach By modeling the utility functions, the behavior of consumers for strategic choosing the payment method and payment timing is analyzed. Thus, the market segments are obtained through the comparison of the consumer’s utilities. Combined with the given assumptions, the installmen

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Persad, Govind, Holly Fernandez Lynch, and Emily Largent. "Differential payment to research participants in the same study: an ethical analysis." Journal of Medical Ethics 45, no. 5 (2019): 318–22. http://dx.doi.org/10.1136/medethics-2018-105140.

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Recognising that offers of payment to research participants can serve various purposes—reimbursement, compensation and incentive—helps uncover differences between participants, which can justify differential payment of participants within the same study. Participants with different study-related expenses will need different amounts of reimbursement to be restored to their preparticipation financial baseline. Differential compensation can be acceptable when some research participants commit more time or assume greater burdens than others, or if inter-site differences affect the value of compens

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Rohini Kumari and Deepak Kumar. "From Kirana Stores to E-commerce: The Evolving Landscape of Consumer Perceptions on Digital Payments in India." International Research Journal on Advanced Engineering Hub (IRJAEH) 2, no. 02 (2024): 154–68. http://dx.doi.org/10.47392/irjaeh.2024.0028.

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India is not an exception to the global trend of the rising popularity of digital transactions. According to studies, effective systems of payment can contribute to a faster movement of liquidity throughout a country's economy. In this digital age, businesses that want to be agile and provide the best possible service to their customers need to offer digital payment options. This research investigates how individuals view online and digital payment methods and explores their apprehensions regarding the security of such transactions in an era dominated by interconnected technologies. Marketers

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Nitzan, Irit, and Danit Ein-Gar. "The “Commitment Projection” Effect: When Multiple Payments for a Product Affect Defection from a Service." Journal of Marketing Research 56, no. 5 (2019): 842–61. http://dx.doi.org/10.1177/0022243719850504.

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Many service providers offer supplementary products related to their ongoing services (e.g., fitness centers offer fitness smartwatches). In seven studies, the authors show that the payment method for such supplementary products (multiple payments vs. a single lump sum) affects customers’ tendency to defect from the provider’s core service over time. Specifically, when customers pay for add-ons in multiple payments—provided that (1) they perceive the add-on as being bundled with the core service and (2) the payment period has an end point—they are initially less likely to defect from the servi

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Baby, Bincy. "Problems Faced by NFC Payment Users - A Study with Special Reference to Kolenchery, Ernakulam District, Kerala." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem46748.

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Abstract Near Field Communication (NFC) payment system is a contactless payment technology that allows users to make transactions by simply tapping their mobile devices on a payment terminal. NFC payment systems are becoming increasingly prevalent in various sectors, including retail, transportation, and hospitality, due to their ease of use, speed, and security. NFC payment systems offer several benefits over traditional payment methods, such as cash and cards. With NFC technology, users can make payments without the need for physical cash or cards. This eliminates the need to carry bulky wal

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Soundarapandian, Ramkumar. "The Impact of Digital Payment Implementation on Consumer Behavior." Shanlax International Journal of Arts, Science and Humanities 7, no. 4 (2020): 132–37. http://dx.doi.org/10.34293/sijash.v7i4.2103.

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The revolutionary impact of digital payment systems on consumer behaviour is examined in this research report. This study aims to investigate the effects of vendor and consumer behavioural changes brought about by the increasing use of digital payment systems. In order to offer light on the changing dynamics of digital payments and its implications for many stakeholders, this research will examine consumer preferences, attitudes, and adoption patterns in addition to vendor experiences and obstacles. Consumer acceptance of digital payment options has increased significantly in recent years. The

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Wertheimer, A., and F. G. Miller. "Payment for research participation: a coercive offer?" Journal of Medical Ethics 34, no. 5 (2008): 389–92. http://dx.doi.org/10.1136/jme.2007.021857.

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Parmar, Prakashchandra, and Ketaki Sheth. "A STUDY ON DIGITAL PAYMENT SYSTEM USAGE BEHAVIOUR OF CUSTOMERS OF GUJARAT STATE." International Journal of Management, Public Policy and Research 2, no. 1 (2023): 129–35. http://dx.doi.org/10.55829/ijmpr.v2i1.121.

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The government of India is promoting the digital payments with the objective of to make seamless digital payments available to all Indian people in a way that is accessible, easy, affordable, rapid, and secure. Therefor this study is an attempt to know the digital payment usage behavior of customers of Gujarat state. The data is collected from primary sources through digital questionnaire and analyzed using IBM SPSS statistical software. This study concludes that majority of customers use digital payment system for daily and routine small amount transactions therefore it is suggested to the di

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Ulfatul Khasanah and Ayu Maretta Maharani. "Pemanfaatan Metode Pembayaran QRIS bagi Kalangan Muda sebagai Upaya Mempermudah Transaksi Keuangan." Dharma Ekonomi 31, no. 2 (2024): 71–78. https://doi.org/10.59725/de.v31i2.135.

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Continuous improvements in infrastructure, security measures, and user education can help address these weaknesses and improve the overall effectiveness of QRIS as a digital payment solution. Some of the roles of using QRIS in the millennial generation are convenience. QRIS makes it easy for millennials to make digital payments without the need to carry cash or credit/debit cards. They can simply use their mobile phones to scan the QR code and complete the payment transaction. QRIS transactions are processed in real-time, meaning payments can be completed almost instantly. Many digital payment

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Goyal, Dr Akhil. "Evolution of Payment System and Rises of Mobile Payment." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35731.

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The evolution of payment systems highlights humanity's pursuit of efficiency, security, and convenience. Starting with barter systems, societies transitioned to commodity money like livestock and metals, eventually adopting metal coins around 600 BCE for their durability and divisibility. Paper money emerged in China during the Tang Dynasty, spreading to Europe as a lighter alternative. The Renaissance era saw banking institutions introduce bills of exchange and promissory notes. The 20th century brought charge and credit cards, followed by electronic payments with ATMs and digital cash. The 2

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

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

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Mamonov, M., A. Pestova, and O. Solntsev. "Cash Cult in Russia: How to Debunk It and What Will Be the Consequences?" Voprosy Ekonomiki, no. 7 (July 20, 2011): 79–101. http://dx.doi.org/10.32609/0042-8736-2011-7-79-101.

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Since 2010 the issues of development of retail payment systems in Russia have been discussed by the general public. But there is still a lack of assessments of possible macroeconomic effects. In our research we offer systematization of positive effects generated by broad implementation of retail payment systems and analyze the key tendencies in substitution of cash payments by non-cash payment instruments. We compare both potential of monetary policy and specific technical measures (growth in use of payment infrastructure, etc.) in stimulating households demand for retail payment systems in Ru

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Yuliarisa, Yusi, and Aprilya Dwi Yandari. "ANALISIS PERKEMBANGAN TINGKAT LITERASI KEUANGAN PENGGUNA FINTECH PADA PELAKU USAHA MIKRO DI KABUPATEN SUMENEP (STUDI KASUS USAHA MIKRO PENGGUNA FINTECH PAYMENT SHOPEEPAY DAN OVO)." PERFORMANCE: Jurnal Bisnis & Akuntansi 12, no. 1 (2022): 63–71. http://dx.doi.org/10.24929/feb.v12i1.1609.

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Fintech Payment is Technology Payment Systemwho has a purpose to incrase,simplify,and offer in a new wayto wile Micro Business Actorthat can incrase Financial Literacy. The purpose of this Research is to analyze Level of Financial Literacy of Fintech Payment User for Micro Busniness Actor in Sumenep Regency. Kind of this researchs are use qualitative method ,by using interview .Technique of determining the sources are using accidental sampling. The knowledge of micro busisess actors in Sumenep Regency regarding Fintech Payments is still fairly limited because the informants only know Fintech P

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Jerath, Dr Sangeeta. "Digital Payments in India: An Analysis." International Journal of Innovative Technology and Exploring Engineering 11, no. 11 (2022): 47–54. http://dx.doi.org/10.35940/ijitee.k9303.10111122.

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With the liberalisation of the Indian banking sector in 2014, the digital payment ecosystem has undergone a steady transformation which can be attributed to the usage of new technologies like Automated Teller Machines (ATM) and Magnetic Ink Character Recognition (MICR). Digital payment systems offer convenience and security while transacting. In 2010, a variety of payment products (stored value cards, wallets, and recharge vouchers) and service providers were introduced. The launching of Digital India in 2015, gave a further boost to the digitalization process. Initiatives have been taken to i

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Dr., Sangeeta Jerath. "Digital Payments in India: An Analysis." International Journal of Innovative Technology and Exploring Engineering (IJITEE) 11, no. 11 (2023): 47–54. https://doi.org/10.35940/ijitee.K9303.10111122.

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<strong>Abstract</strong>: With the liberalisation of the Indian banking sector in 2014, the digital payment ecosystem has undergone a steady transformation which can be attributed to the usage of new technologies like Automated Teller Machines (ATM) and Magnetic Ink Character Recognition (MICR). Digital payment systems offer convenience and security while transacting. In 2010, a variety of payment products (stored value cards, wallets, and recharge vouchers) and service providers were introduced. The launching of Digital India in 2015, gave a further boost to the digitalization process. Initi

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18

Ismail, R. "Contentious Issues Arising from Payments made in Full and Final Settlement." Potchefstroom Electronic Law Journal/Potchefstroomse Elektroniese Regsblad 11, no. 4 (2017): 153. http://dx.doi.org/10.17159/1727-3781/2008/v11i4a2788.

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Payments made in full and final settlement have on several occasions presented interpretative difficulties for our judiciary, as will become apparent from this case discussion: Be Bop A Lula Manufacturing & Printing v Kingtex Marketing 2008 3 SA 327 (SCA). The Supreme Court of Appeal reversed the judgments of the trial court and the appeal court (full bench of the Cape Provincial Division) which were in favour of the creditor. In such cases, the essential enquiry is whether an agreement of compromise exists. A transactio or compromise (in the form of a legal agreement) exists where the rel

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Fakriah, Riri Alifah, Mohammad Dheo Alfhito, and Mardiyani. "What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust." Journal of Enterprise and Development 7, no. 1 (2025): 101–13. https://doi.org/10.20414/jed.v7i1.12863.

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Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial

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Sherif Mohsen Abdelfattah Shaltout. "The Adoption of Open Banking Concept to Regulate Arab Countries Digital Payment." Journal of Law and Emerging Technologies 3, no. 2 (2023): 47–98. http://dx.doi.org/10.54873/jolets.v3i2.146.

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The emergence of fintech has disrupted the traditional banking landscape, challenging the notion that banks are the sole providers of financial services. In the past, entrepreneurs were often seen as disruptors to traditional banking models. However, banks have now recognized the value of collaborating with fintech companies to expand the range and accessibility of financial products and services for customers. The payment industry has become a focal point for banks and fintech startups, with the proliferation of new payment options, such as mobile payments. By leveraging fintech advancements,

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Suyanto, Suyanto, and Sri Lestari Prasilowati. "The Platform Factors Affecting Digital Payment Advocacy." Journal of Law and Sustainable Development 11, no. 11 (2023): e1700. http://dx.doi.org/10.55908/sdgs.v11i11.1700.

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Objective: This study investigates the impact of e-payment platform reputation, e-customer support, and app navigation ease on e-payment experience, engagement, and advocacy in Indonesia's digital economy. Theoretical Framework: We address the gap in understanding these factors' effect on digital payment advocacy by employing a quantitative design and surveying 360 participants, using structural equation modeling (SEM). Method: Using SEM, we analyze survey data from 360 participants to examine the relationships between e-payment platform reputation, e-customer support, app navigation ease, e-p

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Iltis, Ana S., Hisako Matsuo, and Shannon R. DeVader. "Currents in Contemporary Ethics." Journal of Law, Medicine & Ethics 36, no. 2 (2008): 413–18. http://dx.doi.org/10.1111/j.1748-720x.2008.00285.x.

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An Institute of Medicine (IOM) panel charged with reviewing the system for overseeing research involving children concluded in 2004 that Institutional Review Boards (IRBs), institutions engaged in research, and study sponsors should “adopt explicit written policies on acceptable and unacceptable types and amounts of payments related to [children’s] research participation.” We previously reported data on practices and policies in the U.S. regarding payments to children who participate in research and their parents. Here, we report additional results from our study and identify some of the decis

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Lambongang, James Mado. "Assessing the Customer Behaviour in Relation to Electronic Payment Systems (EPS) in Some Ghanaian Banks in the Kumasi Metropolitan Assembly- Kumasi, Ghana." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 3 (2023): 156–77. http://dx.doi.org/10.21522/tijar.2014.10.03.art013.

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Although other payment methods are available, like card, cheque, mobile, and online payments, most Ghanaians still use the cash payment system. The study examined how Ghanaian customers felt about using electronic payments. These included determining thesector andctors that influence consumer adoption and use of electronic payment services in Ghanaian banks, examining customer satisfaction with e-payment in the banking sector, and preventing fraud. A sample size of 100 participants was chosen for the study using purposive sampling to select participants from the banks and systematic sampling t

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Rustanto, Agung Edi, and Iis Kartini. "EFEKTIVITAS PEMBAYARAN NON TUNAI PADA UMKM DAERAH ALIRAN SUNGAI CITARUM." JURNAL LENTERA BISNIS 8, no. 2 (2019): 1. http://dx.doi.org/10.34127/jrlab.v8i2.302.

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<p class="Style4"><span>The rapid development of non-cash payment systems has also developed non-cash payment instruments which are alternative choices for MSMEs in the Citarum river basin to increase sales because they offer convenience to customers. MSMEs in the Citarum River Basin still need to accelerate in terms of business strategies to improve their business results. This needs to be done because buying and selling transactions with a non-cash payment system can be an efficient payment alternative as well as for transactions that can increase the effectiveness of the payment

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Samundeeswari, Dr S., and Ms D. Kaviya. "Impact of Digital Payment System in Small Business." International Journal of Emerging Knowledge Studies 04, no. 1 (2025): 38–44. https://doi.org/10.70333/ijeks-04-01-s-006.

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Digital payment systems also provide small business with valuable insights into customer behaviour, enabling better decision –making and targeted marketing strategies. Digital payment, including mobile wallets, online banking and card transaction, offer small business owners a more efficient, secure, and scalable way to handle payments. Systems also enable small business to track transaction in real-time, providing better financial insights and enhancing decision-making. While challenges such as transaction fees, security concerns, and infrastructure requirements exist, the overall impact of d

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Putri Metri, Dona. "Advancing Msmes Through Global Integration and Cross-Border Connectivity: Opportunities for Qris-Based Payment Code Development." Edunity Kajian Ilmu Sosial dan Pendidikan 3, no. 1 (2024): 113–25. http://dx.doi.org/10.57096/edunity.v3i1.221.

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Indonesia's rapid economic development in the digital era has witnessed a significant shift from traditional cash-based public payments to digital systems. Digital payments offer enhanced convenience, efficiency, security, and user-friendliness. Among these digital payment methods, QR Codes have emerged as a crucial solution, particularly during the COVID-19 pandemic, which led to a slump in the Indonesian economy due to social distancing measures. The adoption of the Quick Response Indonesian Standard (QRIS) as a cashless payment method by most Micro, Small, and Medium Enterprises (MSMEs) in

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Zeta Chandra, Dheandra, Dedi Purwana, and Maulana \Amirul Adha. "ANALISIS STRATEGI QRIS OLEH KPWBI DKI JAKARTA DALAM UPAYA PENGEMBANGAN PEMBAYARAN NONTUNAI PADA UMKM JAKARTA." TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN 3, no. 4 (2023): 664–73. http://dx.doi.org/10.55047/transekonomika.v3i4.464.

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Cashless transactions offer the advantages of simpler, faster, and safer transactions compared to non-cash transactions, and can increase economic activity in a country. To support digital payments, BI released QRIS as a national QR code standard. The utilization of QRIS as a payment channel has increased every year. This research focuses on the strategy of Bank Indonesia Jakarta Representative Office in developing non-cash payments through QRIS for MSMEs in Jakarta, the impact of non-cash payment development strategies through QRIS, and constraints on non-cash payment development strategies.

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Chutipanich Kunanon. "Evaluating the economic impact of digital payments in Thailand: A time-series analysis from 2017 to 2024." Finance & Accounting Research Journal 7, no. 2 (2025): 78–89. https://doi.org/10.51594/farj.v7i2.1837.

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This study investigates the growth and economic impact of digital payments in Thailand using time-series data from 2017 to 2024. With the increasing adoption of cashless transactions, understanding their influence on the economy is crucial for both policymakers and businesses. We employ an ARIMA model to forecast the value of digital payment transactions, identifying key predictors such as the number of transactions, bandwidth usage, rural population, and Consumer Price Index (CPI). The results demonstrate a robust model fit, indicating that digital payment adoption has significantly influence

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Huizinga, Gert. "From cash to gigabytes: The European evolution in payment technology from a merchant perspective." Journal of Payments Strategy & Systems 19, no. 1 (2025): 85. https://doi.org/10.69554/cktx7128.

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It has been about 40 years since PIN-based card payments first appeared in Europe, marking the start of a major shift in how transactions are handled. Since then, we have moved to more advanced systems, like contactless and mobile-initiated payments. Each step in this journey has not simply changed the way that customers pay, but also how merchants interact with payment technologies, bringing with it a fresh set of challenges and opportunities for merchants. As merchants have adapted to these technologies, they have learned valuable lessons, particularly as regards customer experience, transac

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Jefriandi, Novan, and Muhammad Taufiq. "Aplikasi Digital Payment Pada Transaksi Di Ar-Raihan Banyuwangi." BINA INSANI ICT JOURNAL 7, no. 2 (2020): 166. http://dx.doi.org/10.51211/biict.v7i2.1421.

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Abstrak: Payment gateway menjadi sangat populer dikala pandemi seperti saat ini. Dengan payment gateway kita dapat melakukan pembayaran kemana saja tanpa harus menggunakan uang fisik. Hal ini didukung oleh kebijakan pemerintah untuk mengurangi pertemuan fisik dengan orang lain. Ar-raihan banyuwangi adalah salah satu outlet yang menyediakan jasa retail dan cafe yang menawarkan banyak barang, sehingga banyak transaksi yang dilakukan tiap harinya. Dengan keadaan seperti itu maka untuk mendukung kebijakan pemerintah dibutuhkan suatu metode pembayaran yang tidak mengharuskan bertemunya bertemunya p

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Grant, R. M. "On Cash Discounts to Retail Customers: Further Evidence." Journal of Marketing 49, no. 1 (1985): 145–46. http://dx.doi.org/10.1177/002224298504900114.

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In an earlier article, Ingene and Levy outlined the optimal discount that retailers should offer to induce cash rather than credit card payment. Here it is shown that, on the basis of more careful estimates of the cost differentials of cash and credit card sales, and more likely estimates of the proportions of cash and card payments, retailers generally will not find it profitable to offer cash discounts.

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Manickam, Thirupathi, Vinayagamoorthi G., Gopalakrishnan S., Sudha M., and Mathiraj S. P. "Customer Inclination on Mobile Wallets With Reference to Google-Pay and PayTM in Bengaluru City." International Journal of E-Business Research 18, no. 1 (2022): 1–16. http://dx.doi.org/10.4018/ijebr.293295.

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In this cashless economy era, Information and Communication Technology (ICT) plays a vital role in making payments using various payment modes. The mobile wallet app is an innovative technology for avoiding the usage of physical cash. The mobile wallet records all kinds of transactions with a clear payment reference and makes it accountable for tax payments. There are countless reasons for using mobile wallets which makes service providers confused and leads them to offer unattractive features in the wallet apps making the offer as a failure. This paper attempts to collect the data from the mo

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Yokoo, Hide-Fumi, Maki Ikuse, Aries Roda D. Romallosa, and Masahide Horita. "Job change and self-control of waste pickers: evidence from a field experiment in the Philippines." Environmental Economics 9, no. 2 (2018): 22–35. http://dx.doi.org/10.21511/ee.09(2).2018.02.

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Environmental policies may have a negative side effect on employment, often in a specific industry in the short run. Workers in regulated industries can be affected by losses in job-specific human capital. The informal sectors in developing countries are often associated with environmental pollution and thus targeted by such policies. Welfare loss due to this side effect can be problematic in developing countries, since they often lack safeguarding schemes, including unemployment insurance. Inducing workers in informal sectors to change their jobs can mitigate these negative side effects. This

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Maria Oktarina and Iva Khoiril Mala. "Manajemen Resiko Pengiriman Barang Online Menggunakan Sistem Pembayaran Cash on Delivery (COD)." Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce 3, no. 2 (2024): 209–21. http://dx.doi.org/10.30640/digital.v3i2.2563.

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This research discusses risk management for online goods delivery using the Cash on Delivery (COD) payment system. The COD system has become very popular in online buying and selling transactions, especially in Indonesia, because it offers convenience for customers in transactions. This research method uses a qualitative approach with literature analysis. The aim is to analyze the risk management of online goods delivery using the COD payment system and offer solutions to reduce the risks faced by sellers and customers. The results of this research show that the COD system also has several wea

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Tu, Shu-Fen, and Ching-Sheng Hsu. "Exploring Factors Impacting User Satisfaction with Electronic Payment Services in Taiwan: A Text-Mining Analysis of User Reviews." Big Data and Cognitive Computing 9, no. 7 (2025): 165. https://doi.org/10.3390/bdcc9070165.

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Electronic payments are becoming increasingly popular in Taiwan; however, there is a lack of studies examining the factors affecting user satisfaction with electronic payments in Taiwan. This study focuses on Android phone users to identify key factors influencing their experiences based on user reviews of electronic payment mobile applications. It analyzes which factors contribute to positive satisfaction and which lead to negative experiences. The study employed BERTopic for topic modeling, which flexibly accommodates multiple languages, enabling effective examination of reviews written in C

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Lambrechts, Peter. "The strategic importance of payment data for merchants in the fuel retail industry." Journal of Payments Strategy & Systems 19, no. 1 (2025): 27. https://doi.org/10.69554/mwui4744.

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The fuel retail industry is undergoing a profound transformation driven by rapid technological advancements, evolving customer expectations, and the pressing need for sustainability. No longer confined to traditional fuel dispensing, modern fuel retail sites are evolving into multi-functional mobility hubs that offer a variety of services, energy types and transport solutions. In this dynamic landscape, data have emerged as the cornerstone of operational efficiency, customer satisfaction and sustainable growth. For payments professionals, leveraging data effectively is essential to optimise me

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C BHARGAVA. "A Study on Customer Awareness and Usage of Payments Bank and Neo banks in Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 205–14. http://dx.doi.org/10.53422/jdms.2023.101627.

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The banking and financial sector has evolved over the years to meet the changing needs of the economy and industries, leading to the birth of innovative financial instruments. The Reserve Bank of India introduced payment banks to promote digital, paperless, and cashless banking in the country. Payment banks offer basic banking services to unbanked and underbanked individuals, particularly migrant workers and those from lower-income households, and bring them into the formal economy. The trend towards digital payments and net banking has increased, especially after the impact of demonetization

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Blazhekovikj Toshevski, Marina. "ANALYSIS OF THE APPLICATION OF PAYMENT CARDS IN THE COUNTRY AND ABROAD." KNOWLEDGE - International Journal 58, no. 1 (2023): 101–5. http://dx.doi.org/10.35120/kij5801101b.

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In the past years, the digitalization process is moving forward and the possibilities and different payment methods are expanding more and more, but the covid pandemic forced that process to go at a stronger pace, faster digitialization of financial services and thus provided faster and better functions for bank customers. The results of various researches show that as a result of the offer of a large number of alternative payment methods, not only the customers benefit, but also the online merchants who in this way realize more sales. Although there has been a change in the payment landscape

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Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. "Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan di Indonesia Selama Pandemi Covid-19." Ecoplan 6, no. 2 (2023): 145–54. http://dx.doi.org/10.20527/ecoplan.v6i2.676.

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A country's payment system plays an important role in the country's economic development. In recent years, economic transactions have been carried out digitally or without cash worldwide, including in Indonesia. Digitalizing the payment system means switching from a paper-based payment system to a digital/electronic one. Digital payments offer speed, lower fees, and convenience. A well-functioning digital payments system is critical to a country's overall economic performance, monetary policy, and financial stability. This study aims to determine the effect of digital payments on economic grow

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Giningroem, Dewi Sri Woelandari Pantjolo, Novita W. Setyawati, and Supriyanto Supriyanto. "PERAN HARGA DAN PENAWARAN CASHBACK TERHADAP KEPUTUSAN PEMBELIAN GO-FOOD DENGAN MENGGUNAKAN PEMBAYARAN DIGITAL GOPAY." Journal of Management Small and Medium Enterprises (SMEs) 15, no. 2 (2022): 175–86. http://dx.doi.org/10.35508/jom.v15i2.6712.

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This study aims to explore the role of price and cashback offer on Go-Food purchase decision by using Gopay digital payment feature found in Gojek application. The type of research is explanatory research with a quantitative approach and use survey methods in data collection. This study involves 100 respondents using the Go-Food application. Data analysis used Multiple Linear Regression Analysis, data quality test, classical assumption test, and hypothesis testing with using SPSS statistical software version 24. The results of this study found that partially the price variable does not have si

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Krishnan, M. P. Silpa, and Shaji P. N. "Assessing the Influence of the Digital India Initiative on Digital Payment Mechanisms: A Comprehensive Study on Policy-Driven Digitalization." Commerce & Business Researcher 15, no. 1 (2023): 55–70. http://dx.doi.org/10.59640/cbr.v15i1.55-70.

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This research examines the impact of the Digital India program, initiated in 2015, on the progression of digital payments in India. The study applies linear trend models to analyse both the volume and value of digital payments before and after the program's implementation, revealing a significant upsurge in both aspects post-implementation. Despite a temporary downturn in 2020 due to the COVID-19 pandemic, the general trajectory recovered swiftly, indicating the digital payment system's resilience. The Compound Annual Growth Rate (CAGR) of 45% for total digital payment volume and 7% for total

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

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

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Kumar Kanujiya, Dr Punit, Shanti Mishra, and Dr Hargun Sahni. "Adoption Intentions Of Unified Payment Interface (UPI): An Empirical Study Using Extended UTAUT2 With Trust, Interoperability, And Observability." International Journal of Environmental Sciences 11, no. 10s (2025): 304–12. https://doi.org/10.64252/09j10843.

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In order to fulfil the demand for a smooth, effective, and inclusive payment system and to completely transform the digital payments environment, the Unified Payments Interface was established in India. UPI has registered 8,572 crore transactions in the current fiscal year as of December 11, 2023. It has been a major contributor to the rise of online payments in India, which represented 62% of these transactions in FY 2022–2023. Approximately 581 Indian banks were using the UPI as of April 2024. As of now, there fails to be a reliable study methodology for gauging user acceptance of UPI. Thus,

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Zaidi, Syed Faizan Hussain, Omar Ali, and Marsela Thanasi-Boçe. "Factors Influencing Consumer Acceptance of Mobile Payment during the COVID-19 Pandemic & Usage Continuance Intent: A Quantitative Study." Emerging Science Journal 7, no. 5 (2023): 1551–73. http://dx.doi.org/10.28991/esj-2023-07-05-07.

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The presence of COVID-19 has transformed the business sector’s paradigm and prompted a speedy consumption of mobile payment software systems of diverse ranges. Corporate sectors and businesses across the globe brought a shift to offer mobile payment methods; consequently, consumers were urged to maximize the use of mobile payment throughout the pandemic. The present research aims to investigate the factors that might influence consumers' intent to accept mobile payments and their relationships during COVID-19. The technology adoption model and the unified theory of acceptance and use of techno

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Ms. Sumathi, Ms Sumathi, Mr Prashanth Kumar A, and Mr Sudheesha Poojary. "Financial Innovation through CBDC – A New Era of Digital Payments in India." International Journal of Advances in Engineering and Management 6, no. 11 (2024): 610–14. https://doi.org/10.35629/5252-0611610614.

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India, in the recent few years has witnessed a revolution in the field of payment system through innovative digital business models. Banks in India are collaborating with third-party providers to boost innovation in the payment ecosystem. Technology is evidently evolving in parallel with the end user, and use cases are increasing with the emergence of new avenues of payments. Payments form the core of any financial institution and it’s becoming imperative for central banks to provide avenues that offer new world functionalities for relevance. Central Bank Digital Currency (CBDC) is one such av

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Prakash Raju Kantheti and Prof. Stella Bvuma. "Real-Time Payment Systems for Boosting Economic Productivity." International Journal of Scientific Research in Science, Engineering and Technology 11, no. 4 (2024): 308–31. https://doi.org/10.32628/ijsrst24114169.

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More effective, safe, and scalable cross-border payment systems have to be developed in light of the explosive rise of global trade and digital commerce. Digital alternatives that make use of cutting-edge technology like artificial intelligence (AI) are gradually replacing traditional cross-border payment methods, which are often expensive and sluggish. This study examines how real-time analytics driven by AI may revolutionise cross-border payment systems by increasing security, decreasing costs, and speeding up transactions. While analysing the critical trade-off between transaction speed and

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Guo, Zhiling, and Dan Ma. "Catching the Fast Payments Trend: Optimal Designs and Leadership Strategies of Retail Payment and Settlement Systems." MIS Quarterly 47, no. 2 (2023): 669–704. http://dx.doi.org/10.25300/misq/2022/16776.

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Recent financial technologies have enabled fast payments and are reshaping retail payment and settlement systems globally. We developed an analytical model to study the optimal design of a new retail payment system in terms of settlement speed and system capability under both bank and fintech firm heterogeneous participation incentives. We found that three types of payment systems emerge as equilibrium outcomes: batch retail (BR), expedited retail (ER), and real-time retail (RR) payment systems. Although the base value of the payment service positively affects both settlement speed and system

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Wright, Megan S., and Christopher T. Robertson. "Heterogeneity in IRB Policies with Regard to Disclosures about Payment for Participation in Recruitment Materials." Journal of Law, Medicine & Ethics 42, no. 3 (2014): 375–82. http://dx.doi.org/10.1111/jlme.12153.

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The payment of human subjects is an area where Institutional Review Boards (IRBs) have wide discretion. Although the “Common Rule” requires the provision of full information to human research participants to secure valid consent, the Rule is silent on the issue of payment. Still, some federal agencies offer guidance on the matter. For example, the National Science Foundation (NSF) cautions that high payments for risky research “may induce a needy participant to take a risk that they normally would prefer not to take.” For research under its purview, the Food and Drug Administration (FDA) guida

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Fung, Yi Tam, W. Y. Lung Jane, H. Iao C., L. Chong N., and K. Mak I. "The Role of Social Media in Promoting Mobile Payment: A Qualitative Study of Consumers in Macao." Journal of Health and Medical Sciences 6, no. 1 (2023): 241–52. https://doi.org/10.31014/aior.1992.06.01.500.

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The objective of this study is to identify the role of social media to promote mobile payment in Macao. Online focus groups were used for this study. There was a total of 18 participants attended online focus groups. The results showed that the age group of 18 to 30 used social media all the times and felt comfortable to receive promotion information of mobile payment through social media. Company can use social media in promoting mobile payment for age group 18-30, however, company needs to consider their concerned about the improvement of the existing mobile payment system such as offer a un

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Prado, John Paul. "Digital Payment Adoption of Local Retail Businesses in San Jose City." CGCI International Journal of Administration, Management, Education and Technology 1, no. 3 (2025): 102–30. https://doi.org/10.70059/9cyd7815.

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This study examined the digital payment practices of local retail businesses in San Jose City through strengths, weaknesses, opportunities, and threats (SWOT) analysis. A descriptive-quantitative research method was employed, gathering data from 40 local retail businesses in San Jose City. This study revealed a diverse landscape of local retail businesses in terms of the size of companies, types of products or services offered, number of years in operation, ownership structure, nature of the business, business model, accepted digital payment, and frequency of digital payment transactions per m

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