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Journal articles on the topic 'Payment operations'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

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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Volkova, Nelia, and Kateryna Gogolyeva. "ANALYSIS OF BANK PAYMENT CARDS MARKET IN UKRAINE AND PROSPECTS OF ITS DEVELOPMENT." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 3(64) (June 7, 2017): 88–94. http://dx.doi.org/10.26906/eir.2017.3(64).881.

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UDC 336.717  Nelia Volkova, Ph.D, Associate Professor of the Finance and Banking Department. Poltava National Technical Yurii Kondratyuk University. Kateryna Gogolyeva, Student. Poltava National Technical Yurii Kondratyuk University. Analysis of bank payment cards market in Ukraine and prospects of its development. The current state of bank payment cards market in Ukraine and the main prospects of its further development have been analyzed in the article. The general characteristics of the payment cards development have been determined. The bank operations problems, associated with

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3

Okoye, Peter Uchenna, Kevin Chuks Okolie, Oluchukwu Precious-Favour Nzeneri, and Gilbert Chidi Ohazulume. "Payment of Labour Wage for Construction Site Operations with Safety Risk." Management Dynamics in the Knowledge Economy 10, no. 2 (2022): 124–41. http://dx.doi.org/10.2478/mdke-2022-0009.

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Abstract The increasing rate of unsafe acts by construction workers during construction operations to earn more wages is raising new concerns due to its negative effects; including accidents on construction sites. This study, therefore, examined the relationship between the level of safety risk in different building construction operations/trades and methods of payment of wages for construction operatives to determine if the wage payment method was predicted by the level of risk in each operation. Prior to this, the study prioritised selected construction operations based on their safety risk

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4

Naik, Pratham, Yash Kotak, Jaydev Dhanak, et al. "Impacts of Online Payment Systems on Consumers and Merchants." Siber Journal of Transportation and Logistics 1, no. 4 (2024): 179–90. https://doi.org/10.38035/sjtl.v1i4.296.

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This study investigates the effects of digital payment systems on consumer behaviours and merchant operations in Ahmedabad. The research is guided by two objectives: analysing the impact of consumer trust on the adoption of digital payment systems, and evaluating the role of these systems in enhancing merchant efficiency and financial performance. Data was collected from 110 respondents using a structured questionnaire, with statistical analysis conducted using SPSS. The results highlight a significant positive relationship between consumer trust and digital payment adoption. Additionally, the

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Naik, Pratham, Yash Kotak, Jaydev Dhanak, et al. "Impacts of Online Payment Systems on Consumers and Merchants." Dinasti International Journal of Economics, Finance & Accounting 5, no. 6 (2025): 6329–41. https://doi.org/10.38035/dijefa.v5i6.4226.

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This study investigates the effects of digital payment systems on consumer behaviours and merchant operations in Ahmedabad. The research is guided by two objectives: analysing the impact of consumer trust on the adoption of digital payment systems, and evaluating the role of these systems in enhancing merchant efficiency and financial performance. Data was collected from 110 respondents using a structured questionnaire, with statistical analysis conducted using SPSS. The results highlight a significant positive relationship between consumer trust and digital payment adoption. Additionally, the

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Wang, Zheng, Lin Zhong, Liutao Zhao, Yujue Wang, and Zhongshan Zhu. "A Confidential Batch Payment Scheme with Integrated Auditing for Enhanced Data Trading Security." Electronics 13, no. 16 (2024): 3278. http://dx.doi.org/10.3390/electronics13163278.

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Current data trading systems only support plaintext or unaudited private transactions. To overcome these, we present a confidential batch payment scheme with integrated auditing for enhanced data trading security. We use Castagnos–Laguillaumie (CL) homomorphic encryption and batch zero-knowledge proofs to construct the scheme. The scheme reduces decryption complexity and ciphertext length while enabling malicious model operations. In addition, it supports efficient batch payments to multiple recipients and includes features for payment statistic analysis and auditing. Experimental results indi

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Hrytsenko, Кostiantyn, and Avhusta Hrytsenko. "Payments flows system-dynamic model for assessing the efficiency of leasing operations." Economic Analysis, no. 32(4) (2022): 115–26. http://dx.doi.org/10.35774/econa2022.04.115.

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Introduction. The relevance of the financial leasing effeciency issues for Ukraine is due to the fact that its economic and social development is largely influenced by the amount of investment in the fixed assets of enterprises, which ensures their competitiveness, contributes to the development of small and medium-sized businesses and the creation of new jobs. The main factor in the attractiveness of leasing operations for the lessee is the amount of leasing payments. The efficiency of leasing operations for the lessee can be determined by comparing the total amount paid under the leasing agr

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Van Empel, Martijn. "Retail payments and the arduous road to SEPA." Common Market Law Review 46, Issue 3 (2009): 921–40. http://dx.doi.org/10.54648/cola2009037.

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The article looks at recent developments in attempts to reduce the difference between costs of cross-border payments within the EU and those of domestic payments. It recalls earlier steps in relation to the creation of SEPA, the Single Euro Payments Area, in particular in relation to retail payments. The analysis focuses on the recently adopted Payment Services Directive (PSD), concerning the classic operations of placing cash on, and withdrawing cash from, a payment account but also the three categories of payment instruments which it had been agreed SEPA should concentrate on, viz. credit tr

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Fakhri, Muhammad, Rial Beimar Volado Sibuea, and Tri Krisandi Silalahi. "Timeliness Of Spp Payments At Smk Tritech Infomatika Using Naive Bayes Algorithm." Electronic Integrated Computer Algorithm Journal 1, no. 1 (2023): 9–15. http://dx.doi.org/10.62123/enigma.v1i1.9.

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SMK Tritech Informatika is one of the vocational schools located on Jalan Bhayangkara Medan. Smk Tritech plays an important role in education. However, many schools are late in financing their operations. So there are many problems related to school operational payments such as tuition payments. SPP payment is an important problem at Smk Tritech Infomatika because many of the students are late in paying SPP even though the payment deadline has been set. Therefore, it is necessary to evaluate the SPP payment. To overcome this problem, it is necessary to detect the factors that cause late tuitio

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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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Rudaya, M. "ORGANIZATION OF EXPERTISE AND EXPERT RESEARCH ON LABOR PAYMENT." Criminalistics and Forensics, no. 65 (May 18, 2020): 567–75. http://dx.doi.org/10.33994/kndise.2020.65.56.

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The article is devoted to the generalization approaches to conducting examinations and expert studies of operations of calculation and payment of wages. The purpose of the article is to determine the approaches to the examination and expert studies of operations on the calculation and payment of income received in the form of wages, other incentive and compensatory payments paid to the taxpayer in connection with labor relations, taking into account the current conditions organization of accounting entities of Ukraine. heoretical approaches to determining the economic nature of wages and their

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Mushkudiani, Nino. "Development of Electronic Payments in Georgia." Economics and Culture 15, no. 2 (2018): 64–74. http://dx.doi.org/10.2478/jec-2018-0021.

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Abstract Electronic payments are considered to be a fast and secure alternative for traditional payment methods. Today, it is impossible to imagine modern bank operations, commercial transactions and other payments without electronic payments. This article shows that electronic payments are not the only means for reducing costs with respect to other payment methods, such as cash, but can also generate significant benefits for increasing economic development and reducing shadow economy. The paper focuses on the development of electronic payments in Georgia and its impact on the economy of the c

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Khachidze, Ani. "The Essence of Commercial Bank, principles and functions." Economics 106, no. 9-10 (2024): 31–34. http://dx.doi.org/10.36962/ecs106/9-10/2024-31.

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The paper describes the relevance of the topic, sets the goal and objectives, specifies the theoretical and methodological foundations, specifies that the banking system guides the country's payments and settlements system, defines the essence, principles and functions of a commercial bank. The banking system is a wide range of diverse services, starting from traditional savings-loan and settlement-cash operations, ending with modern monetary credit and financial instruments. The bank is an intermediary link that attracts the temporarily free resources of economic subjects and supplies them to

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Shaikh, Azharuddin, Poonam Mishra, and Isha Talati. "Optimal ordering and pricing decision for items following price sensitive quadratic demand under combined payment scheme." Yugoslav Journal of Operations Research, no. 00 (2022): 10. http://dx.doi.org/10.2298/yjor210715010s.

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Three types of payments confront in business dealings viz. advance, cash and credit. A cash payment is ubiquitously practiced, while a credit payment scheme escalates sales and advance payment technique is implemented to avoid cancellation of orders. These are recognized as advance-cash-credit (ACC) payment scheme which is conventional in business transactions. By implicating ACC the aim is to determine optimal pricing and ordering policies. Inventory items observes quadratic demand being sensitive to unit selling price. Promising concavity of the profit function for both selling price and cyc

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Kara-ool, A. L., and A. I. Shmyreva. "Evaluating the development of electronic payment means in Russia." Finance and Credit 26, no. 6 (2020): 1264–82. http://dx.doi.org/10.24891/fc.26.6.1264.

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Subject. The article presents the methodological approach to evaluating the development of electronic means of payment. Objectives. We formulate the methodological approach to evaluating the development of electronic means of payment. Methods. We apply methods of statistical analysis, abstraction, induction, analysis ans synthesis. The methodological and theoretical framework comprises proceedings of the Russian scholars on the theory and practice of cashless payments. Results. The article sets forth the methodological approach to evaluating the development of electronic payment means. We devi

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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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17

Seshagiri, Asha. "Development of a Universal Platform for Managing Payment Operations on a Global Scale: Methodology and Implementation Examples." International Journal of Advanced Engineering and Management Research 09, no. 05 (2024): 72–82. http://dx.doi.org/10.51505/ijaemr.2024.9505.

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The article discusses the main trends and processes in the field of digital finance. The purpose of the research is to analyze the functioning of electronic payment systems as a key element of the digital financial sector, with a focus on identifying the main threats to user security and developing recommendations to improve their security. The author analyzes the functioning of electronic payment systems as an important segment of the digital finance sector. Statistics on the global electronic payments market and forecast indicators are presented. Main security issues for users of electronic

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18

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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Wiratama, Jansen, Monika Evelin Johan, Sobiyanto Sobiyanto, Matthew Chandra Wijaya, and Victor Ilyas Sugara. "Development of Web-based Application for Private School Tuition Fee Management with Prototyping Model." Journal of Information Systems and Informatics 5, no. 4 (2023): 1402–15. http://dx.doi.org/10.51519/journalisi.v5i4.588.

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Private schools need help in handling school fees and financial processes. Traditional manual payment systems result in data processing issues, delayed financial reporting, and complications from misplaced records. Late fee payments threaten school income, which is crucial for staff salaries. Modern solutions are imperative. Desktop applications have limitations, requiring installation on specific devices, leading to compatibility concerns. This research opts for a web-based application. It employs prototyping models and predictive abilities using the Naïve Bayes algorithm. The web-based appli

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Amanda, Azhara Yunefa, Zuchriyah Fatichah, Wahyu Nazila, Zara Tania Rahmadi, and Dias Adi Dharma. "PELATIHAN OPTIMALISASI PEMBAYARAN DENGAN MENGGUNAKAN APLIKASI UNTUK MENINGKATKAN EFESIENSI PADA UMKM." PUAN INDONESIA 7, no. 1 (2025): 209–18. https://doi.org/10.37296/jpi.v7i1.363.

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The Small and Medium Enterprises (SMEs) sector plays a crucial role in Indonesia's economy, contributing over 60% to the GDP and significantly aiding in job creation. However, many SMEs face challenges in adopting technology, particularly in digital payment systems. This study explores the potential of optimizing digital payment methods to improve operational efficiency in SMEs. The research focuses on providing training for SMEs, particularly in the culinary industry, to help them transition from traditional cash payments to digital transactions. Using a hands-on training approach, the study

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Szabó, Zsolt Mihály. "Pension Payment as A Critical Infrastructure." Műszaki Tudományos Közlemények 9, no. 1 (2018): 215–18. http://dx.doi.org/10.33894/mtk-2018.09.49.

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Abstract Today, the state, its organizations and its citizens have become vulnerable to the complexity of complex electronic information systems in the cyberspace of Hungary, without which state operations and the provision and use of different services become unworkable. In addition to the modern economic system, society is not prepared to operate without lost infrastructure, assets or services, so they must clearly be protected especially because the information used and generated in their operation and the data managed represent significant assets.

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Monastyrsky, Hryhoriy, Yaroslav Chaikovskyi, Ivanna Chaikovska, and Yevhen Chaikovskyi. "DIRECTIONS OF USE OF PAYMENT CARD AS INNOVATION OF PAYMENT OF TRANSPORT ORGANIZATIONS SERVICES." Economic Analysis, no. 28(4) (2018): 143–54. http://dx.doi.org/10.35774/econa2018.04.143.

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It is carried out the analysis of the share of cash outside the banks in the money supply in Ukraine within 2013-2017 and the integral indicator of the level of the shadow economy in Ukraine for 2010-2017. The dynamics of the main indicators of functioning of the payment cards market of Ukraine during 2012-2017 is analysed. The main tendencies of development the market of payment cards in Ukraine are considered. In particular, the dynamics of the number of holders of payment cards and their issuing banks, the development of electronic payment infrastructure, the types of payment cards issued b

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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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Sulis, Tyaningsih, and Arum Prastyanti Rina. "Perspektif Hukum Terhadap Pembatalan Pembayaran Konsumen dalam E-Commerce Menggunakan Cash On Delivery (COD)." Socius: Jurnal Penelitian Ilmu-Ilmu Sosial 1, no. 5 (2023): 276–83. https://doi.org/10.5281/zenodo.10368932.

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<i>E-commerce in Indonesia has grown rapidly, facilitating transactions between consumers and businesses. One popular payment method is Cash on Delivery (COD), where the buyer pays in cash upon receipt of the goods. However, this method often disadvantages businesses, especially when consumers cancel orders or cannot be reached. This study uses a normative juridical method to discuss the e-commerce payment system and legal protection for businesses against payment cancellation by consumers in the COD system. Factors causing losses for businesses in the practice of COD payments include buyers w

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Yu, Wen-Way, and Chin-Yi Fang. "The Role of Near-Field Communication Mobile Payments in Sustainable Restaurant Operations: A Restaurateur’s Perspective." Sustainability 15, no. 16 (2023): 12471. http://dx.doi.org/10.3390/su151612471.

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Mobile payments have emerged as a viable alternative to cash and credit cards and are rapidly gaining popularity worldwide. Limited research has explored the effects of mobile payments on restaurant performance from the perspective of restaurateurs. This study utilized a combination of the innovation diffusion theory (IDT) and the technology acceptance model (TAM) to investigate the influence of a near-field-communication (NFC) mobile payment environment on restaurant operating performance (ROP). Through convenience sampling, questionnaires were distributed to restaurant owners and managers, r

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Xiao, Wanjun. "The Impact of Third Party Payment on China's Commercial Banking." Frontiers in Business, Economics and Management 12, no. 1 (2023): 178–81. http://dx.doi.org/10.54097/fbem.v12i1.14089.

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The rapid development of social economy and science and technology not only promotes the development of Internet finance, but also has a major impact on people's daily life. While people’s lifestyles are gradually changing, the consumption structure is changing. This led to the emergence of an independent institution with certain strength and credit guarantees, which facilitated the online payment model of transactions between the two parties by connecting to the Internet-third-party payment docking. In the most basic third-party payment model, after purchasing the goods, the buyer transfers t

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Walimuni, Piumi Chethana, Aparna Samaraweera, and Lalith De Silva. "Payment mechanisms for contractors for better environmental hazard controlling in road construction projects." Built Environment Project and Asset Management 7, no. 4 (2017): 426–40. http://dx.doi.org/10.1108/bepam-11-2016-0069.

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Purpose There is a growing concern that contractors can be motivated for environmental protection through effective fund allocation and proper payment mechanisms. However, an in-depth analysis of environmental hazard-controlling methods and related payments to the contractor in road construction in Sri Lanka is not much popular among the extant literature. Thus, the purpose of this paper is to explore different payment mechanisms that are being used with environmental hazard-controlling methods, to achieve better control in such hazards in Sri Lankan road construction projects. Design/methodol

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Dorofeev, Mikhail L., Anton V. Grishin, Anastasia V. Demkina, Stepan M. Kosyrev, and Nadezhda P. Dorofeeva. "Development of the fast payment system technology." Vestnik Tomskogo gosudarstvennogo universiteta. Ekonomika, no. 65 (2024): 114–29. http://dx.doi.org/10.17223/19988648/65/7.

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The article overviews the potential directions for the development and improvement of cross-border transfer service of the fast payment system provided by the Bank of Russia. This study is relevant due to the need of analyzing tendencies and perspectives of the development of the dynamic and expanding market of cross-border financial operations from the Russian Federation to other countries since the realization of cross-border transactions has become significantly more complicated because of serious sanctions introduced in 2022. This article aims at studying further directions of the Russian

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SANGEETHA G, NAVIS, and Dr M. JOHN PAUL. "A Study on Significance of Digital Payments in Enhancing Business Efficiency and Security in R k Hollow Blocks." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44347.

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The rapid evolution of digital payment systems has significantly transformed business operations, enhancing efficiency and security across various sectors. This study explores the impact of digital payments on business performance, with a specific focus on R K Hollow Blocks, a manufacturing enterprise. The research examines how the adoption of digital transactions improves financial management, reduces operational costs, and enhances transaction security. Through a combination of qualitative and quantitative methods, this study assesses the benefits of digital payments in streamlining cash flo

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

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

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Jennifer, Catharina Chrisyana, Marsella Katy, Nathalina Amelinda, and Tiurida Lily Anita. "Continuance Intention on Using E-Payment in Hotel Business." E3S Web of Conferences 426 (2023): 02126. http://dx.doi.org/10.1051/e3sconf/202342602126.

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This study aims to analyze the continuance intention of using e-payment technology in the hotel business, focusing on sustainable usage. The research adopts a quantitative approach and includes 207 respondents who actively use e-payment technology. Random sampling is employed to ensure a representative sample. Data analysis is conducted using the SmartPLS application. The findings indicate a significant relationship between the desire and interest in using e-payment technology (continuance intention) and the sustainable utilization of e-payment technology. These results contribute to the under

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Balanova, Maria V., and Lyubov V. Gusarova. "NEW DIRECTIONS FOR THE DEVELOPMENT OF AUTOMATED TOOLS IN THE SYSTEM OF INTERNAL STATE FINANCIAL CONTROL." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5/4, no. 137 (2023): 77–83. http://dx.doi.org/10.36871/ek.up.p.r.2023.05.04.010.

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The article is devoted to the development of methods of internal state financial control based on transactional monitoring of operations of participants in the treasury payment system. In 2021, the transition to treasury servicing of the budgets of the budget system of the Russian Federation and the introduction of a treasury payments system were implemented, which led to a modification of the functionality of the Federal Treasury. The status of the Federal Treasury as the chief cashier of budgetary funds was supplemented by the status of a quasi-bank of the budget of the Russian Federation, a

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Khomenko, E. G. "Role and Significance of Payment Cards in Money Transfer Operations." Courier of Kutafin Moscow State Law University (MSAL)), no. 1 (March 24, 2023): 111–17. http://dx.doi.org/10.17803/2311-5998.2023.101.1.111-117.

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The article is devoted to the consideration of the procedure for using payment (bank) cards when transferring funds. It is indicated that at present scientific and technological progress has led to the acceleration and improvement of settlement mechanisms, the introduction of new and optimization of already provided banking services in general. Payment (bank) cards are very popular. In the course of the study, the features characteristic of bank transfer by means of payment (bank) cards were identified. The study of the practice of using payment (bank) cards has shown that the gaps and inaccur

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Zulaiha, Maharani Trisni, Lamijan Lamijan, and Hono Sejati. "Legal Strategy To Prevent And Overcome Abuse Of Funds In Digital Wallets." Journal of Social Science (JoSS) 3, no. 7 (2024): 1538–46. http://dx.doi.org/10.57185/joss.v3i7.338.

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E-wallet, or electronic wallet, is an application or software that enables users to store, manage, and conduct financial transactions electronically. E-wallets usage is able for various purposes, such as making payments, transferring money, or storing payment information for online transactions. Despite the advantages of e-wallets, there are still risks associated with their use, such as the potential loss of consumer funds and the possibility of personal data leaks due to inadequate security measures on the platform. It can disadvantage consumers as users of e-wallets. Law Number 8 of 1999 co

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T. F., Adesina,, Adegboye, F. B., Isibor, A. A., and Afolabi, J. K. "Driving Business Growth through Electronic Payment Systems: The Role of E-Payments in Enhancing SMEs in Nigeria." African Journal of Accounting and Financial Research 8, no. 1 (2025): 89–99. https://doi.org/10.52589/ajafr-zudv8xtb.

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This study examines the impact of electronic payment systems on the business performance of small- and medium-scale enterprises (SMEs) in Nigeria. Leveraging survey data from 300 SME owners in Lagos, the research highlights the role of e-payment platforms in enhancing profitability, customer growth, and accountability. Results show that 52% of variations in SME profitability are explained by the adoption of electronic payments, while 48% of customer growth are similarly attributed. Despite challenges like technical constraints and infrastructure inadequacies, findings suggest that e-payment sy

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Zeynalov, Zakir. "THE IMPACT OF DIGITAL PAYMENTS ON THE GROWTH OF CASHLESS PAYMENTS AND THE FACTORS LIMITING ACCESS TO FINANCIAL SERVICES." AGORA INTERNATIONAL JOURNAL OF ECONOMICAL SCIENCES 17, no. 2 (2023): 181–86. http://dx.doi.org/10.15837/aijes.v17i2.6455.

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Most countries worldwide are undergoing digitalization, with the adoption of non-cash payment methods accelerating. In recent years, the population and economic entities in our country have readily embraced the use of digital technologies. Organizing new methods of innovation is a key priority in the pursuit of strengthening the financial stability of the banking system. The introduction of new technologies serves as an effective tool for improving production potential, providing financial support, and stimulating entrepreneurship. Ensuring the reliability and security of the payment system, e

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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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Leang, Pisey, Siva Shankar Ramsamy, Aniwat Phaphuangwittayakul, and Piang-or Loahavilai. "Consumer Perceptions and Behaviors on Digital Payment Adoption Among Older Generation Z and Younger Millennials in Phnom Penh, Cambodia." International Journal of Professional Business Review 8, no. 8 (2023): e03647. http://dx.doi.org/10.26668/businessreview/2023.v8i8.3647.

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Purpose: The study's goal is to better understand how older and younger generations in Phnom Penh, Cambodia, behave when it comes to using digital payments. Investigating the choice of mobile payment application in the Phnom Penh region is another objective of this study. Here, it is also investigated how usage, economic situation, and adoption of mobile payments are related.  Theoretical framework: One of the most well-known research models on consumer behavior among younger and older generations and the adoption of new technical systems emphasizes the influence of geography, soci

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Khan, Imran. "The Electronic Payment Systems in a Developing Economy with Reference to Guyana." TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT 8, no. 1 (2022): 26–35. http://dx.doi.org/10.21522/tijmg.2015.08.01.art003.

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The general intention of this Publication is to feature Electronic Payment Systems in a Developing Economy with reference to Guyana and the bearing comprising the advantages in cultivating payment systems while heightening safety, the efficiency of payments, and cost savings. The continuous transformation of a developing economy’s payments system will support monetary growth through the fiscal system for its sustainability and enables proficient financial interposition. This publication further highlights the need for frequent evaluation and supervision for the continuous modernization of elec

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Čudan, Aleksandar, Đurica Nikolić, and Dalibor Kekić. "New architecture and risks in payment card operations." Bezbednost, Beograd 62, no. 1 (2020): 121–37. http://dx.doi.org/10.5937/bezbednost2001121c.

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Medress, Zachary, Beatrice Ugiliweneza, Jonathon Parker, et al. "Simulating Episode-Based Bundled Payments for Cranial Neurosurgical Procedures." Neurosurgery 87, no. 1 (2019): 86–95. http://dx.doi.org/10.1093/neuros/nyz353.

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Abstract BACKGROUND Episode-based bundled payments were introduced by Medicare in 2013 as the Bundled Payments for Care Improvement (BPCI) in order to improve care coordination and cost efficiency. BPCI has not yet been applied to cranial neurosurgical procedures. OBJECTIVE To determine projected values of episode-based bundled payments when applied to common cranial neurosurgical procedures using retrospective data from a large database. METHODS We performed a large retrospective observational study using the MarketScan administrative database to project bundled payment payments for 4 groups

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Volokhata, Viktoriia Ye. "International Experience in the Development of the Payment Card Market and Problems with Functioning of Payment Cards in Ukraine." Business Inform 4, no. 531 (2022): 119–24. http://dx.doi.org/10.32983/2222-4459-2022-4-119-124.

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Cash, payment systems and instruments in modern conditions are the basis of the economy and life of each country, ensuring the possibility of exchange between the owners of certain goods or services, which, in turn, is one of the main conditions for the existence of credit and the State. The presence of a bank payment card gives its owner a number of advantages, including convenience during the calculation, reliability of saving the own funds, paying bills online. Bank payment cards are effective and profitable for all participants of the payment system, as evidenced by their rapid spread. For

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Poberezhets, O. V., V. V. Shmagina, and A. I. Konoplya. "MECHANISM OF USING RRO AND PRO IN CONDITIONS OF INCREASING THE LEVEL OF TAX ADMINISTRATION." Market economy: modern management theory and practice 21, no. 1(50) (2023): 103–19. http://dx.doi.org/10.18524/2413-9998.2022.1(50).270399.

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The article investigates the theoretical and methodological principles of the mechanism of using RRO and PRRO in terms of increasing the level of tax administration. A three-level system of legal regulation of the use of registrars of transactions in the activities of economic entities has been formed and analyzed. The general tendency of development of cash registers in Ukraine, which consists in gradual, starting from 2015, fiscalization of settlement operations of small business representatives - legal entities and natural persons- entrepreneurs on a simplified taxation system, is highlight

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Annisa, Hanif Khoti, Annisa Nurbaiti, Wiwik Sundari, and Shella Permata Sari. "The Effect of Digital Payments on Micro, Small and Medium Enterprises (MSMEs): Literature Review." Jurnal Disrupsi Bisnis 7, no. 2 (2024): 380–83. http://dx.doi.org/10.32493/drb.v7i2.36022.

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This research aims to determine the influence of digital payments on Micro, Small and Medium Enterprises (MSMEs). This research uses the Systematic Literature Review method using journal keywords on the influence of digital payment on micro, small and medieum entreprises (MSMEs). This research data comes from journals from 2020 to 2023. The research results show that the influence of digital payments on MSMEs shows that digital payments have several benefits felt by MSMEs. The results of the influence of digital payments on MSMEs show that there are benefits for MSMEs, such as increasing incom

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Aje, Olaniyi Isaac, Oluwole Alfred Olatunji, and Olanrewaju Augustine Olalusi. "Overrun causations under advance payment regimes." Built Environment Project and Asset Management 7, no. 1 (2017): 86–98. http://dx.doi.org/10.1108/bepam-06-2015-0028.

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Purpose Evidence suggests project owners could use advance payments to prevent cost escalations. The purpose of this paper is to elicit the relationships between causations of overruns when advance payments are issued to contractors. Design/methodology/approach In total, 97 responses from a questionnaire survey were analysed. Additional data on 51 projects, completed between 2000 and 2014 under different advance payments regimes, were also obtained and analysed. Findings Project owners issue advance payments to contractors so as to avoid delays. However, statistical correlation between advance

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Waligóra, Grzegorz. "Comparative Analysis of Some Metaheuristics for Discrete-Continuous Project Scheduling with Activities of Identical Processing Rates." Asia-Pacific Journal of Operational Research 33, no. 03 (2016): 1650015. http://dx.doi.org/10.1142/s0217595916500159.

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Discrete-continuous project scheduling problems with positive discounted cash flows and maximization of the net present value are considered. A class of these problems with an arbitrary number of discrete resources and one continuous, renewable resource is taken into account. Activities are nonpreemptable, and the processing rate of each activity is the same continuous, increasing, and concave function of the amount of the continuous resource allotted to the activity at a time. Three common payment models — lump sum payment, payments at activity completion times, and payments in equal time int

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Salsa, Adelia. "Optimalisasi Pengelolaan Biaya dengan Digital Payment pada Bisnis Hiburan Anak: Kasus Kiddy Playland." Jurakunman (Jurnal Akuntansi dan Manajemen) 18, no. 1 (2025): 106. https://doi.org/10.48042/jurakunman.v18i1.362.

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The increasing adoption of digital payment systems has transformed various sectors, including the children's entertainment industry. However, many businesses in this sector still face challenges in fully optimizing this technology. This research examines how Kiddy Playland, a children's play center, has implemented digital payment systems to optimize cost management. The main objective is to analyze the effectiveness of digital payment in enhancing operational efficiency, reducing transaction errors, and improving customer relationships. The study employs a qualitative descriptive approach wit

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Dwiyana, Dwiyana, and Muqorobin Muqorobin. "Analysis of Adi Soemarmo Solo Airport Parking Payment System." International Journal of Computer and Information System (IJCIS) 2, no. 1 (2021): 1–3. http://dx.doi.org/10.29040/ijcis.v2i1.21.

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The writing of the Semester Final Project with the title Analysis of the Parking Payment System for Adi Soemarmo Airport Solo was compiled based on the results of observations at the exit gate of Adi Soemarmo Airport Solo. Transactions on parking payments often cause problems due to several factors, especially the time or process is quite long because sometimes the money given is too large then the cashier takes too long to give change, besides that sometimes passengers do not prepare the money they want to pay in advance and often passengers pay in a situation of insufficient money and this c

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Sitnik, A. A. "Blockchain Technology in Payment Systems." Actual Problems of Russian Law 16, no. 5 (2021): 42–54. http://dx.doi.org/10.17803/1994-1471.2021.126.5.042-054.

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The paper is devoted to the analysis of the practice and prospects of application of blockchain technology to provide the exercise of payment services. In particular, it is noted that this technology can be used in the architecture of payment systems, as well as as the technological basis of payment instruments. In addition, blockchain can be used in areas directly related to payment services (for example, for customer identification, currency exchange operations, etc.). The author defines a number of concepts, in particular “peering payment system”, “mining”, “cryptocurrency wallet”. The pape

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Fatma, Sadaf, Vinod Mishra, and Ranu Singh. "Inventory model for instantaneous deteriorating items with time sensitive demand for post COVID-19 recovery." Yugoslav Journal of Operations Research, no. 00 (2022): 39. http://dx.doi.org/10.2298/yjor220915039f.

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The Covid-19 epidemic has caused substantial obstacles to the supply network globally. Hence there is urgency and necessity to build a model for cash flow in the chain of demand and supply system. This research suggests an inventory model to assist retailers in determining the optimal ordering quantity and replenishment cycle to reduce the total cost in different payment cases. The current study looks toward a partial advance and delays in the payment system considering time-sensitive demand, shortage, and partial backlogging for instantaneous deteriorating items. During the financial crisis,

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