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Journal articles on the topic 'Payment systems'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Tkachuk, Volodymyr. "Problems of development of non-banking payment systems in Ukraine." Economic Analysis, no. 29(4) (2019): 80–88. http://dx.doi.org/10.35774/econa2019.04.080.

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Introduction. The development of non-cash payments is the key to economic growth in any country, because on the one hand, the level of control over payments increases, and on the other - the volume of customer spending increases, which leads to increased consumption and GDP growth. However, current trends in e-commerce and online commerce require the emergence of new technological solutions in the form of electronic payment systems that can legally handle transactions with electronic money and cryptocurrencies. Given the rapid pace of growth in transactions through non-banking electronic payme

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

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

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Lisniak, Vladyslavа. "INTERNATIONAL EXPERIENCE OF ELECTRONIC PAYMENT SYSTEMS USING IN UKRAINE." Economic Analysis, no. 28(3) (2018): 149–53. http://dx.doi.org/10.35774/econa2018.03.149.

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Introduction. In the course of this research attention was paid to the study of theoretical and practical aspects of the development of electronic payment systems in the world and in Ukraine. The general scheme of electronic payment system work is considered. The dynamics of payments by means of electronic payment systems on the territory of Ukraine is determined. The basic principles of electronic payment systems activity are substantiated. The advantages and disadvantages of electronic payments are considered. The results of the study can be used as practical recommendations for improving th

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Avinash Ramesh, Dr Chintamani. "Digitalisation of Payment Systems in India." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04617.

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Abstract: Digitalisation of payment systems in India has fundamentally transformed the financial landscape, making transactions faster, more secure, and highly convenient. This shift, fuelled by advancements in technology and proactive government policies, has led to widespread adoption of digital platforms such as Unified Payments Interface (UPI), mobile wallets, and QR codes. These innovations have bridged the gap between urban and rural areas, ensuring that people from all socio-economic backgrounds can access seamless payment solutions. The Unified Payments Interface, launched by the Natio

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Soegoto, E. S., and R. A Rahman. "Technology on E-Payment Systems." International Journal of Research and Applied Technology 1, no. 1 (2021): 140–47. http://dx.doi.org/10.34010/injuratech.v1i1.5657.

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The purpose of this study is to examine the importance of technology in business, especially in terms of transactions. The method used in this study was a descriptive method by reading from various international and domestic journals. The results of this study were identification of how simple and important technology was in influencing payment systems that were slowly changing from conventional to electronic payments (e-payment). We also discussed what information related to e-payment, such as safety, functions, and available features from using this e-payment system.

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Polovenko, Liudmyla, Svitlana Merinova, and Kateryna Kopniak. "The development of electronic payment systems in Ukraine and their security." VUZF Review 6, no. 2 (2021): 146–52. http://dx.doi.org/10.38188/2534-9228.21.2.17.

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The paper is devoted to the study of innovations in the market of modern payment systems. The pandemic and quarantine restrictions have accelerated the expansion of the payment infrastructure in Ukraine, which in turn raises the issue of security of electronic payment systems. Ukrainians are more actively switching to electronic payments. At the same time, the trend of growing popularity of contactless payment instruments and settlements with them continues. A comparative analysis of the security of payment systems using electronic technologies in the implementation of money transfer services

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Kantoroeva, Aijamal K., and Nurzat K. Toktomamatova. "Some Aspects of the Development of Payment Innovations in the Kyrgyz Republic." International Journal of Criminology and Sociology 9 (October 21, 2021): 3007–13. http://dx.doi.org/10.6000/1929-4409.2020.09.366.

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This paper reveals the subject of payment innovations and their types, as well as presents analysis of the state and development of funds remittance using payment systems and growth of payments with plastic cards. In particular, it provides an overview of the number of payment cards in circulation in the regions and payment systems, reveals a picture of the development of money transfers that were carried out through international and local systems, as well as in the context of regions in terms of the volume of incoming payments. Disclosed measures and actions of the National Bank of the Kyrgy

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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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Soegoto, Eddy Soeryanto, and R. A. Rahman. "E-Payment Systems in Selling Product." Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities 1 (December 1, 2020): 59–65. http://dx.doi.org/10.34010/icobest.v1i.12.

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The purpose of this study is to examine the importance of technology in business, especially in terms of transactions. The method used in this study was a descriptive method by reading from various international and domestic journals. The results of this study were identification of how simple and important technology was in influencing payment systems that were slowly changing from conventional to electronic payments (e-payment). We also discussed what information related to e-payment, such as safety, functions, and available features from using this e-payment system.

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McAndrews, James, Ed Nosal, and Guillaume Rocheteau. "Payment Systems." Annual Review of Financial Economics 3, no. 1 (2011): 259–87. http://dx.doi.org/10.1146/annurev-financial-102710-144903.

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Khudolii, Yuliia, and Bohdan Taranets. "CURRENT STATE AND INNOVATIVE DIRECTIONS OF PAYMENT SYSTEMS DEVELOPMENT IN UKRAINE." 62, no. 62 (December 31, 2021): 177–91. http://dx.doi.org/10.26565/2524-2547-2021-62-17.

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The rapid development of technologies, their impact on the speed of decision-making, and changes in communication methods have a significant impact on the financial sector, namely on payment systems. In addition to the technological transformation of the payment systems themselves, these changes are transforming the requirements of users who want transfers to be faster, safer, and more reliable. On the international market, the processes of change began several years ago, now they have begun to take place in Ukraine as well. This actualizes the need to assess the current state of the payment s

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Vishwakarma, Archit. "The Impact of Mobile Payment Adoption on Consumer Spending Habits." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50447.

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Executive Summary My project's objective is to look into how customers behave when using digital payment options. To bolster the case for e-payments, this study looks at the current inefficiencies in government payment systems and estimates the potential strategic and financial benefits of switching to electronic government payment flows. Since digital payment methods are more widely used and effective, impoverished rural residents are probably going to engage more. This will also help the central government achieve its long-standing goal of reducing poverty and hunger through its food subsidy

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Samid, Amnon. "Automated Embedded Payment Systems." International Journal of Embedded Systems and Applications 12, no. 1/2/3/4 (2022): 01–13. http://dx.doi.org/10.5121/ijesa.2022.12401.

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Payment industry is largely aligned in their desire to create embedded payment systems ready for the modern digital age. The trend to embed payments into a software platform is often regarded as first step towards a broader trend of embedded finance based on digital representation of fiat currencies. Since it became clear to our research team that there are no technologies and protocols that are protected against attacks of quantum computing, and that enable automatic embedded payments, online or offline with no fear of counterfeit, P2P or device-to-device to be made in real time without inter

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Marie Mezoh, Penn. "Exploring the Advantages of Cashless Payment Systems: A Comprehensive Review." International Journal of Research and Innovation in Social Science VIII, no. X (2024): 553–64. http://dx.doi.org/10.47772/ijriss.2024.8100047.

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Cashless payments are widely used for making payments between individuals and companies worldwide. Vendors have been drawn to these payment methods due to their perceived ease of use and low cost of transaction equipment. This study explores different payment methods and discusses the benefits of cashless payment, some drawbacks are mentioned for balance. The study systematically reviews several scholarly papers to assess non-cash payment methods and digital payment advantages. The method used in this study was based on secondary data that’s mainly a review of what other respected authors have

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Mohan, Akshay. "“Impact of E-Payment Systems on Customer Satisfaction”." International Journal for Research in Applied Science and Engineering Technology 9, no. 10 (2021): 573–81. http://dx.doi.org/10.22214/ijraset.2021.38314.

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Abstract: Everything has shifted online since the outbreak of the pandemic, from education to full-time jobs to health check-ups. What's important to remember here is that the majority of our day-to-day activities increasingly include making payments online. Although e-payment and e-banking solutions have been available for some time now, the pandemic has effectively compelled a huge portion of the urban and rural populations to use them. This research study aims to find out how widely epayment and e-banking systems are used and how they affect the user experience. Researchers have often been

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Dr. Rachana Singh and Poonam lakra. "Study of Digital Payments: Revolutionizing Commerce and Economic Systems." International Journal for Research Publication and Seminar 16, no. 1 (2025): 8–13. https://doi.org/10.36676/jrps.v16.i1.22.

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The character of global trade and economic systems brought about by the spread of digital payment systems has changed dramatically. With an eye towards the factors driving their extensive use, the technology enabling their expansion, and the ways in which these developments have impacted various sectors of the economy, the evolution of electronic payment systems We examine how new payment technologies—such as mobile wallets, cryptocurrencies, and contactless payments—are influencing government legislation, corporate practices, and consumer behaviour. Furthermore evaluated in the study are the

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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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Khanin, I. H., and Y. O. Sopin. "Electronic Payment Systems: Operation Peculiarities and Economic Efficiency Assessment." PROBLEMS OF ECONOMY 4, no. 50 (2021): 173–80. http://dx.doi.org/10.32983/2222-0712-2021-4-173-180.

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The PayTech sector, which is transforming payment methods, has become one of FinTech's largest segments. Electronic payment systems (EPS) are developing actively and acquiring certain specific features, which are important for their creation and refinement. The achievement and maintenance of the EPS economic efficiency is the fundamental prerequisite for their sustainable development, which fact is especially important for payment services providers. The article is aimed at clarifying the nature and structure of EPS, and singling out the features of their functioning and the basis for assessin

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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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Lawrence, Dr Albin D. Robert. "A Study on The Acceptance of Digital Payment Systems." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem41943.

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Digital Payments are the fastest increasing mode of payment in today‘s digital world. Digital payment is a new idea that includes a monetary transaction between two or more persons using an internet or digital platform rather than physically exchanging money. It is a platform where no physical interaction is necessary to pay or receive money, which can be done by mobile or computer around the world at any time. The initiative of Digital Payments was taken by Government of India after the announcement of demonetization on 8th November 2016. Digital Payments was initiated to bring transparency i

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Anbukarasi, M., and Sony P.J. "Evolution of Payment Systems in the Digital Era: A Comprehensive Analysis of Mobile Payments, Contactless Technology and the Disruptive Potential of Cryptocurrencies on Traditional Payment Systems." Formosa Journal of Computer and Information Science 3, no. 1 (2024): 55–68. https://doi.org/10.55927/fjcis.v3i1.8840.

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Payment systems have seen a rapid change in the digital age, transforming how people and organizations perform financial transactions. An in-depth examination of the major advancements in payment systems in the digital age is provided in this research paper, with a particular emphasis on mobile payments, contactless technologies, and the prospective effects of cryptocurrencies on conventional payment methods. The study examines existing studies, new technological developments, and the implications for consumers and financial institutions. This article seeks to shed light on the potential futur

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Taghreed Beheri. "Consumer Trust in Digital Payment Systems." Journal of Information Systems Engineering and Management 10, no. 42s (2025): 721–30. https://doi.org/10.52783/jisem.v10i42s.8179.

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This study explores consumer trust in digital payment systems and its impact on adoption rates. Through qualitative interviews, it identifies key factors influencing trust, including security measures, user experience, transparency, and perceived risks. Recommendations focus on enhancing trust through robust security, transparent policies, and tailored support for diverse demographics, especially for the elderly. This study presents the results of five in-person interviews I conducted with Saudi Arabian respondents of various ages on their experiences with digital payment systems. According to

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Ota, Tomohiro. "Sequential payments and optimal pricing in payment systems." Annals of Finance 12, no. 3-4 (2016): 441–63. http://dx.doi.org/10.1007/s10436-016-0287-3.

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

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

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Cai, Xinyu, Marko Milojevic, Denis Syromyatnikov, Anastasia Kurilova, and Beata Ślusarczyk. "Mathematical Interpretation of Global Competition between Payment Systems." Mathematics 9, no. 17 (2021): 2070. http://dx.doi.org/10.3390/math9172070.

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The present study seeks to present a mathematical interpretation of the perception of new entrants to the global payments market on whether FinTech’s innovations promote competitiveness in the market. The study also quantitatively evaluates the competitive trends observed in the global payments market. The sampling frame consists of 504 respondents across 28 countries. The study is based on the analysis of the survey results using SPSS Statistics and Stata. The survey addressed four groups of factors influencing the competitiveness of the payment system (i.e., ‘Costs’, ‘Service Channels’, ‘Pri

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Srouji, Jeremy, and Dominique Torre. "The Global Pandemic, Laboratory of the Cashless Economy?" International Journal of Financial Studies 10, no. 4 (2022): 109. http://dx.doi.org/10.3390/ijfs10040109.

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The COVID-19 pandemic has had a profound impact on payment systems and preferences around the world, reducing the use of cash in favor of digital payment instruments and accelerating the discussion around the need for a central bank digital currency. This article presents the digital payments and cashless agenda before and after the pandemic, focusing on how the changing payments landscape has influenced the priorities and decisions of regulators, banks and other financial intermediaries, with regards to the future shape of payment systems. It finds that while the pandemic demonstrated the ben

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Dhoke, Satish. "Digital Payment System in India: Development and Future Consideration." Studies in Indian Place Names 40, no. 38 (2020): 219–24. https://doi.org/10.5281/zenodo.10451412.

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<strong>Abstract:</strong>This research paper aims to explore in India a digital payment system, and thus identify development and future consideration. The paper discusses conceptual framework, digital payment platforms, instruments and services available in the economy and their robustness. The also defines strategies to overcome the challenges faced by the economy in digitizing the financial system.The present research paper is focusing on the impact of these new digital paymentsystems on customers and problems encountered if any.<strong>Keyword:-Digital payment, Ca

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D., U. Ashishie, O. Ugah J., and O.B.Ogunfeyimi. "The Imperative of Online Payment System in Developing Countries." International Journal of Innovative Science and Research Technology 7, no. 1 (2022): 449–55. https://doi.org/10.5281/zenodo.5923292.

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This paper takes a critical review of online payment systems and their importance in the economies of developing countries. The significance of online payment systems in the present scheme of things cannot be over-emphasized. Online payment systems are a crucial component in the overall development of the economies of developing countries. The way payments are made are increasingly been reshaped by growing demand for digital payment methods coupled with improvements in technology. In recent times, the conventional market is gradually been replaced by Electronic Commerce, also referred to as E-

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Repousis, Spyridon. "Money laundering and Greek banking payment and settlement systems." Journal of Money Laundering Control 19, no. 1 (2016): 58–69. http://dx.doi.org/10.1108/jmlc-12-2014-0049.

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Purpose – The purpose of this paper is to identify, categorize and describe the Greek banking payment and settlement systems and the way to SEPA. Also, the purpose is to describe authorities that supervise money laundering through Greek payment systems and identify major categories of suspicious transaction reports and amounts of criminal assets per each category. Design/methodology/approach – The Bank of Greece, central bank of Greece, has explicit tasks in the field of payment and settlement systems. In Greece, there are three payment and settlement systems: large-value payment system (TARGE

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Khan, Imran. "Consumer’s Adaptation and Financial Stability with a Modern Payments System Infrastructure in Guyana." Texila International Journal of Management 8, no. 2 (2022): 55–69. http://dx.doi.org/10.21522/tijmg.2015.08.02.art005.

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A payments system is no more than a structured arrangement for moving value between its participants. So defined, it is crystal clear that payment systems are ultimate to the functioning of all monetary economies, no matter they are developed economies, transitional economies, or developing economies like Guyana. The aim of this work is to show how the architecture of payment systems (payment instruments, processing, participants, consumers, etc.) impact to payments industry (microeconomic approach) and for the promoting the role of the Central Bank in payment systems and financial stability (

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Antal, Péter, Cserne Panka Póta, and Patrícia Becsky-Nagy. "Payment Habits and Instant Payment Systems in the V4 Countries." Financial and Economic Review 23, no. 3 (2024): 99–116. http://dx.doi.org/10.33893/fer.23.3.99.

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The study examines payment habits and instant payment systems in the Visegrád Four (V4) countries using a comparative analysis of secondary data. The authors identify the factors that influence household payment habits and the operational parameters of the instant payment systems in the V4. Based on the information thus identified, the similarities and differences between these countries and the reasons behind such are explored. Both quantitative and qualitative data are examined for the purposes of the summative evaluation, which concludes that the main reasons for cash payments are the lack

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KVASNYTSKA, Raisa, Iryna FORKUN, and Tetyana GORDEEVA. "MODERN APPROACHES TO PROVIDING INFORMATION SECURITY OF PAYMENT SYSTEMS AND THEIR CYBER PROTECTION." Herald of Khmelnytskyi National University. Economic sciences 310, no. 5(1) (2022): 47–52. http://dx.doi.org/10.31891/2307-5740-2022-310-5(1)-8.

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The article analyzes the domestic and international approaches of scientists and financial institutions regarding the interpretation of the concept of payment systems and proposes the author’s interpretation of this category as “an organizationally formed set of system participants and the relations between them regarding the transfer of funds based on recognized legal norms at the level of sovereign countries or at the international level. The peculiarities of the payment systems’ functioning and the possibility of taking into account the international standards for the exchange of financial

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Rani, Mamta. "Digital Payment System Development in India." ANUSANDHAN – NDIM's Journal of Business and Management Research 5, no. 1 (2023): 39–47. http://dx.doi.org/10.56411/anusandhan.2023.v5i1.39-47.

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Digital payment methods have been growing exponentially owing to global progress in technology and high product ranges. The adoption of digital payments has gained momentum in India over recent years. Demonetization has played a prominent role in the growth of online payment technologies in the country. Nationwide lockdown during the Covid-19 pandemic has also boosted the digital payment systems in India. The present paper reviews the development of digital payment services. The paper also discusses the various modes used for digital payments in India. The study highlighted the increased use o

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Poudel, Hem Kanta, Deepesh Ranabhat, Pradeep Sapkota, and Mala Ranabhat. "Adoption of Digital Payment System among the Youths in Pokhara Metropolitan City." Interdisciplinary Journal of Innovation in Nepalese Academia 2, no. 2 (2023): 160–72. http://dx.doi.org/10.3126/idjina.v2i2.59495.

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Effective payment systems are crucial components of any nation's financial infrastructure. In recent years, Nepal has witnessed a significant surge in the utilization of digital payment systems. The examination of the adoption of digital payment methods in Nepal is of paramount importance as it sheds light on behaviors related to financial technology that can shape the future of the country's financial system and contribute to its economic development. This study aims to explore the factors influencing the adoption intention of digital payment systems in Pokhara Metropolitan City, Nepal. The s

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Ali, Mostafa A., Nazimah Hussin, and Ibtihal A. Abed. "Electronic Payment Systems: Architecture, Elements, Challenges and Security Concepts: An Overview." Journal of Computational and Theoretical Nanoscience 16, no. 11 (2019): 4826–38. http://dx.doi.org/10.1166/jctn.2019.8395.

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In this paper, the major aim is to investigate the heightened awareness regarding various electronic payment systems-related concepts in terms of their advantages, problems, and security issues. The payment processing system providers use software as a service (SaaS) model and with this model, they form a single payment channel to numerous payment methods for their clients. Users often give away their personal information such as names, card details, and so on whenever they go online to make any firm of payment. An online payment system is referred to a system that facilitates electronic money

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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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Mohinabonu, Agzamova. "THREAT MODEL FOR PAYMENT SYSTEMS." American Journal of Applied Science and Technology 4, no. 10 (2024): 87–94. http://dx.doi.org/10.37547/ajast/volume04issue10-13.

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Payment systems are the backbone of modern economies, and their security is a critical aspect of maintaining user trust and safeguarding financial data. In this context, the development of threat models plays a central role in ensuring the protection of these systems from attacks. One of the most effective methodologies for threat modeling is STRIDE, which helps to structure and systematize the analysis of risks and threats. By utilizing the STRIDE model and incorporating a customized threat model for payment systems, the security of authentication processes and transaction handling can be sig

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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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Dewa Gde Yoga Permana and I Gede Bayu Wirayudha. "Perkembangan Ekonomi Digital Terhadap Pertumbuhan Ekonomi Daerah Bali." Jurnal Riset dan Inovasi Manajemen 1, no. 4 (2023): 289–97. http://dx.doi.org/10.59581/jrim-widyakarya.v1i4.2328.

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The Digital Economy Era must be utilized for the economy, especially the regional economy, it appears that regional economic development is somewhat difficult to develop because it still uses a traditional economic system. However, not all regions are willing to utilize digital payment systems for various reasons, especially business actors in traditional markets. The aim of this research is to look at the development of the digital economy on regional economic growth in the province of Bali. The method used in this research uses descriptive analysis to determine the impact and influence of di

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Prasetya, Machmudin Eka, Intan Salwani Mohamed, Shuhaida Mohamed Shuhidan, and Gede Harja Wasistha. "The COVID-19 Pandemic as a Driving Force for E-Wallet Adoption in Indonesia." Business and Management Horizons 9, no. 2 (2021): 40. http://dx.doi.org/10.5296/bmh.v9i2.19335.

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During the COVID-19 pandemic, e-payment systems, also known as cashless payment systems, have steadily evolved as a payment system instrument. Changes in payment methods, followed by a growth in digital payment systems, may be driving people to use e-wallets. The functions of an e-wallet are similar to those of an e-banking or mobile banking account, but an e-wallet gives greater convenience and simplicity of access while making payments. Because the use of e-wallets can help reduce the spread of COVID-19-causing coronaviruses, this study looks into the possibilities of increasing e-wallet usa

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Petrosyan, Nvard. "CASHLESS SOCIETY: THE MAIN PSYCHOLOGICAL FEATURES." Modern Psychology 8, no. 1(16) (2025): 51–64. https://doi.org/10.46991/sbmp/2025.8.1.051.

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Banks worldwide provide applications that help customers manage money transfers and their financial affairs as cashless payment methods become more common. ArCa serves as the Republic of Armenia's unified payment system which enables most markets to accept non-cash transactions. Even though there is a worldwide movement to minimize cash transactions financial systems continue to heavily rely on cash. The research examines how age and employment status affect Armenians' payment practices and cash usage patterns. While earlier studies found no gender-based differences in payment preferences they

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O'Mahony, Donald, Michael Pierce, and Mitesh Tewari. "Electronic Payment Systems." EDPACS 25, no. 11 (1998): 18–19. http://dx.doi.org/10.1201/1079/43233.25.11.19980501/30170.7.

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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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MAMHOT, DARLENE MAE C., and FELIPE JR. B. SULLERA. "Optimizing Offsite Payment Systems: Understanding Client Preferences and Overcoming Barriers at Foundation University." International Multidisciplinary Journal of Research for Innovation, Sustainability and Excellence (IMJRISE) 2, no. 5 (2025): 399–417. https://doi.org/10.5281/zenodo.15430357.

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<strong>Abstract </strong>   This study examines the preferences and barriers clients encounter when using offsite payment systems at Foundation University (FU). The descriptive correlational research method was employed with a sample size of 580 clients, utilizing a validated self-made survey questionnaire for data collection. Statistical treatments such as Percent, Mean, Spearman's Rank Order Correlation, and Chi-Square Test were applied to analyze the data. Findings reveal that a substantial portion of clients prefers on-site payment methods, with only a smaller group utilizing offsite

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-, Mundirin, Purwanto, and Natalia Bani Pratiwi. "SISTEM INFOMASI ADMINISTARSI KEUNGAN SISWA BERBASIS WEB DI SEKOLAH MAHABODHI VIDYA." ISTA Online Technologi Journal 2, no. 2 (2021): 1–11. http://dx.doi.org/10.62702/ion.v2i2.37.

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The school payment system at the Mahabodhi Vidya School is still done manually both in term of transactions and data recap. Thus slowing down the payment process, recording and recap of payments. This causes the processes related to school payments have not run optimally. The overcome this problem, the authors propose to design and build applications that suport databases systems so that school payment processing is more effective and efficient. The application of financial administration information systems at the Mahabodhi Vidya School was designed using the waterfall development method with

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Jayaraj, Mary Metilda, and Adarsh Umesh Bhat. "Exploring User Experience and Perception of Online Digital Payment Systems." ITM Web of Conferences 68 (2024): 01019. https://doi.org/10.1051/itmconf/20246801019.

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Growing internet accessibility, the rise of Internet electronic devices and government initiatives and commitment to transform India into a digital society has rapidly transformed the payment mechanism into a cashless one. This paper explores the user experience and perception of the digital payment system across different demographic profiles. The study seeks to understand the influence of demographic variables on preference for online payments, usage experience, satisfaction levels, security concerns and purchase experience. Gender, education, age and employment status are associated. There

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Prof., Yudhvir Singh, and Rani Tyagi Babita. "A Study on the Adoption of Digital Payments in Western UP from the Consumer's Perspective." Social Science Journal for Advanced Research 4, no. 5 (2024): 97–102. https://doi.org/10.5281/zenodo.13855639.

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Demonetization led to a significant surge in digital payments in India. Government initiatives like Digital India, combined with the growing use of mobile phones and the internet, have contributed to the rapid expansion of digital payment adoption. This shift towards digital transactions enhances transparency, strengthening the nation's economy. Recent developments in payment systems, such as digital wallets, UPI, and BHIM apps, have further facilitated the transition to digital payments. The objective of this research is to examine the positive impact of payment system digitization. Specifica

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Sylvester Afaha, John. "Electronic Payment Systems (E-payments) and Nigeria Economic Growth." European Business & Management 5, no. 6 (2019): 77. http://dx.doi.org/10.11648/j.ebm.20190506.11.

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