Relevant bibliographies by topics / Payments

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Payments'

Author: Grafiati
Published: 4 June 2021
Last updated: 26 July 2024

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Journal articles on the topic "Payments"

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Cahyani, Haura Novira, and Nur Fadhilah Ahmad Hasibuan. "EFEKTIVITAS DAN EFISIENSI APLIKASI PEMBAYARAN TAGIHAN TERHADAP PENDAPATAN BULANAN INDIHOME PADA PT.TELEKOMUNIKASI,TBK WITEL MEDAN." Worksheet : Jurnal Akuntansi 2, no. 1 (November 30, 2022): 54–60. http://dx.doi.org/10.46576/wjs.v2i1.2617.

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Payment of receivables collection at PT. Telekomunikasi Indonesia (IndiHome) has a payment system that follows the times. Payment Collection is one part of the company that is in charge of processing monitoring and billing data for consumers who are negligent in making payments and making reports on billing evidence, reports of consumer internet disturbances and then input into the data system which will later be seen by the regional. This study aims to see which is more effective and efficient between cash payments and non-cash payments (digital). This study uses qualitative methods with primay data types. Based on the research results, IndiHome payment transactions, both cash and non-cash, have their respective advantages and disadvantages. IndiHome payments in cash can be said to be effective because customers get payment receipts in detail, clearly and transparently. However, cash payments cannot be said to be efficient because it uses such a long process. One of them is that customers have to come and queue to pay monthly for IndiHome and this can take a long time, requires energy and money. In contrast to non- cash payments (digital). Non-effective payments have not been said to be effective because of frequent errors in making payments such as different bills, bills that do not appear, and excess payments. However, for the efficiency of digital payments, it is said to be quite efficient because the payment process is quite easy and fast. Digital payments can be made anywhere and anytime.
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Mushkudiani, Nino. "Development of Electronic Payments in Georgia." Economics and Culture 15, no. 2 (December 1, 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 country. Over the decades, the payment systems in Georgia have evolved significantly in line with the technological advancement. Significant progress has been achieved in improving the e-payment systems infrastructure. The evolution of e-payments in Georgia can be characterized by the following: debit (including prepaid) and credit cards, credit and debit transfers compose a core set of noncash payment types commonly used today by consumers and businesses. These core noncash payment types are used both in traditional ways, such as in-person purchases, payroll deposits, and bill payments, and in innovative ways, such as contactless and mobile payments, e-commerce and online bill payments. Using the economic-mathematical analyses of the information taken from the web-page of the National Bank of Georgia and commercial banks’ publications, a mathematical model was built, based on which the positive relationship between e-payments and economic growth in terms of real GDP was shown.
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Prawira, Henry, and Christine S. T. Kansil. "ANALISIS PENERAPAN PASAL 245 UU NO. 37 TAHUN 2004 TENTANG KEPAILITAN DAN PKPU DALAM (STUDI KASUS PUTUSAN NO:03/PDT.SUS-PKPU/2016/PN.NIAGA.JKT.PST.)." Jurnal Hukum Adigama 2, no. 1 (July 24, 2019): 629. http://dx.doi.org/10.24912/adigama.v2i1.5255.

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Bankruptcy has become a common problem in today's business world, under the Bankruptcy and Suspension of Payment Act, in addition to bankruptcy, one can do so through Suspension of Payment. Suspension of Payment is a method of debt-receivable dispute resolution which is supervised by a supervisory and administering judge, whose final legal product is peace or insolvency. Not all Debtors have good intentions, sometimes payments are made after Suspension of Payment's application is registered. According to the Article 245 of Law Number 37 of 2004 on Bankruptcy and Suspension of Payment, all payments made before the Suspension of Payment are not permitted, after the Suspension of Payment application has been applied for and has been registered at the commercial court in the district court. However there is a dualism of understanding of the prohibition, some claim that the payment is permissible, and some claim that the payment is not permitted. Many Debtors use these payments to abort the formal requirements of Suspension of Payment, which is not in accordance with the legal objectives of justice for all parties, because the usual payment is payment to only a portion of creditors, who have smaller debts, which makes other creditors not get legal certainty, and the consequence of that is that PKPU's application must be rejected. The purpose of this study is to find out how to apply Article 245 of Act No. 34 of 2004 as it should, so that it can be adjusted to the purpose of law, namely justice.
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Bakšys, Donatas, and Leonidas Sakalauskas. "MODELLING OF INTERBANK PAYMENTS." Technological and Economic Development of Economy 12, no. 4 (December 31, 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 model of interbank payments flow. The model is constructed on the analysis of real flow of payments in the payment system.
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Morse, Elliot, Elisa Berson, and Saral Mehra. "Industry Involvement in Otolaryngology: Updates from the 2017 Open Payments Database." Otolaryngology–Head and Neck Surgery 161, no. 2 (March 26, 2019): 265–70. http://dx.doi.org/10.1177/0194599819838268.

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Objective To characterize drug and device industry payments to otolaryngologists in 2017 and compare them with payments from 2014 to 2016. Study Design Retrospective cross-sectional analysis. Setting 2017 Open Payments Database. Subjects and Methods We identified otolaryngologists in the Open Payments Database receiving nonresearch industry payments in 2017. We determined the total number and value of payments and the mean and median payments per compensated otolaryngologist. We characterized payments by census region, nature of payment, and sponsor subspecialty. Results A total of 8131 otolaryngologists received 66,414 payments totaling to $11.2 million in industry compensation in 2017. This is decreased from $14.5 million in 2016. The mean and median payment per compensated otolaryngologist was $1383 ($10,459) and $159 ($64-$420), respectively. Of the total compensation, 85% was received by the top 10th percentile of otolaryngologists. Speaking fees accounted for $3.1 million (28% of total payments), and food and beverage was the most common payment type (57,691 payments; 87%). Consulting fees decreased by $1 million from 2016 to 2017, and ownership interests decreased by $1.2 million from 2016 to 2017. The south had the highest total compensation value ($4.2 million), while the west had the highest mean payment value ($1561). Rhinology accounted for the highest proportion of payments of all otolaryngology subspecialties at $3.9 million (34%). Conclusion Industry payments to otolaryngologists decreased to $11.2 million in 2017 from $14.5 million in 2016. Much of the decrease can be attributed to decreases in consulting fees and ownership payments. It is important that otolaryngologists remain aware of changes in industry funding with each release of the Open Payments Database.
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de Lotbiniere-Bassett, MP, and PJ McDonald. "P.119 Industry relationships with neurological surgery in the 2015 Open Payments Database." Canadian Journal of Neurological Sciences / Journal Canadien des Sciences Neurologiques 45, s2 (June 2018): S47—S48. http://dx.doi.org/10.1017/cjn.2018.221.

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Background: The 2013 Physician Payments Sunshine Act mandates that all US drug and device manufacturers disclose payments to physicians annually in the Open Payments Database (OPD). We aimed to determine the prevalence, magnitude and nature of these payments to neurological surgery in 2015. Methods: Records of payments to physicians identified by the ‘neurological surgery’ taxonomy code in 2015 were accessed via the OPD. The data were analyzed in terms of the type and amounts of payments, companies making payments, and in comparison to previous studies. Results: In 2015, 330 companies made 83,690 payments ($99,048,607) to 7,613 physicians. The mean payment ($13,010) was substantially greater than the median ($114). Royalties and licensing accounted for the largest proportion of total payment value (74.2%), but only 1.7% of the total number. Food and beverage payments were the most commonly reported transaction (75%), but only 2.5% of the total value. Neurological surgery had the second highest average total payment per physician of any specialty. Conclusions: The overall value of payments to the neurological surgery specialty is driven by a small number of payments that may represent appropriate compensation for novel device development. The OPD provides an opportunity for increased transparency and for the interpretation of research in light of potential conflicts of interest.
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Borcuch, Artur. "The use of statistical methods in the analysis of mobile payment market in Poland." International Journal on Integrated Education 3, no. 2 (February 13, 2020): 45–50. http://dx.doi.org/10.31149/ijie.v3i2.324.

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Payments are an inherent element of economic activity (León and Ortega 2018). However, the evolution of payment instruments and the way individuals and businesses make daily payments has undergone enormous change in human history, particularly due to main innovations in payment systems in last decades (Gandhi 2016). The last innovation in payment system concerns mobile payment. The development of mobile payments market can have a positive impact on economic growth (Leon and Rodriguez 2012). Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The main purpose of this article is to analyze, which feature (convenience, speed, availability, ease of use, safety) of mobile payments could be the most important for users from Poland.
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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 accounting and information systems in the implementation of cashless payments in international and domestic markets for payment services, theoretical justification of the definition of «cashless payments» and develop proposals for their streamlining.Method. Methods of scientific research are: systematic approach to the study of economic processes, elements of the theory of scientific knowledge, dialectical method to determine the essence of cashless payments; historical - to research the evolution of cashless payments; analytical - to assess modern information systems for the organization and accounting of cashless payments.Results. The research of the cashless payments evolution shown the permanence changes in the methods of conducting money transactions. The accounting and information system of enterprises and corporations must timely respond on innovative transformations. The article improves and regulates the elements of the conceptual apparatus for cashless payments using bank payment cards, electronic money and other modern payment methods for the developing of their registration and reflection in accounting and reporting. Perspectives. Technological progress and the COVID-19 pandemic have become the driving force of society’s transition to expanding the cashless payment regime. Technologies for remote banking and non-banking payment systems are permanently improving. Accounting and information systems for providing complete and objective information to business and society should be in line with this progress.
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Cuomo, Raphael E., Mingxiang Cai, Neal Shah, and Tim K. Mackey. "Physicians payment in the United States between 2014 and 2018: An analysis of the CMS Open Payments database." PLOS ONE 16, no. 6 (June 2, 2021): e0252656. http://dx.doi.org/10.1371/journal.pone.0252656.

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The Open Payments database reports payments made to physicians by industry. Given the potential for financial conflicts of interest relating to patient outcomes, further scrutiny of these data is valuable. Therefore, the objective of this study was to analyze physician-industry relationships by specialty type, payment type, geospatial trend, and longitudinal trend between 2014–2018. We conducted an observational, retrospective data analysis of payments from the Open Payments database for licensed United States physicians listed in the National Plan & Provider Enumeration System (NPPES). Datasets from 2013–2018 were joined using the Python programming language. Aggregation and sub-setting by characteristics of interest was done in R to calculate means and frequencies of reported general physician payments from industry across different specialties, locations, timeframes, and payment types. Normalization was applied for numbers of physicians or payments. Geospatial statistical hot spot analysis was conducted in ArcGIS. 51.73 million payment records were analyzed. In total, 50,047,930 payments were issued to 771,113 allopathic or osteopathic physicians, representing $8,702,631,264 transferred from industry to physicians over the five-year period between 2014 and 2018. The mean payment amount was $179, with a standard deviation of $12,685. Variability in physicians’ financial relationships with industry were apparent across specialties, regions, time, and payment type. A limited match rate between records in the NPPES and Open Payments databases may have resulted in selection bias of trends related to physician characteristics. Further research is necessary, particularly in the context of changing industry payment trends and public perceptions of the appropriateness of these relationships.
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Inoue, Kosuke, Daniel M. Blumenthal, David Elashoff, and Yusuke Tsugawa. "Association between physician characteristics and payments from industry in 2015–2017: observational study." BMJ Open 9, no. 9 (September 2019): e031010. http://dx.doi.org/10.1136/bmjopen-2019-031010.

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ObjectiveTo investigate the association between physician characteristics and the value of industry payments.DesignObservational study.Setting and participantsUsing the 2015–2017 Open Payments reports of industry payments linked to the Physician Compare database, we examined the association between physician characteristics (physician sex, years in practice, medical school attended and specialty) and the industry payment value, adjusting for other physician characteristic and institution fixed effects (effectively comparing physicians practicing at the same institution).Main outcome measuresOur primary outcome was the value of total industry payments to physicians including (1) general payments (all forms of payments other than those classified for research purpose, eg, consulting fees, food, beverage), (2) research payments (payments for research endeavours under a written contract or protocol) and (3) ownership interests (eg, stock or stock options, bonds). We also investigated each category of payment separately.ResultsOf 544 264 physicians treating Medicare beneficiaries, a total of $5.8 billion in industry payments were made to 365 801 physicians during 2015–2017. The top 5% of physicians, by cumulative payments, accounted for 91% of industry payments. Within the same institution, male physicians, physicians with 21–30 years in practice and physicians who attended top 50 US medical schools (based on the research ranking) received higher industry payments. Across specialties, orthopaedic surgeons, neurosurgeons and endocrinologists received the highest payments. When we investigated individual types of payment, we found that orthopaedic surgeons received the highest general payments; haematologists/oncologists were the most likely to receive research payments and surgeons were the most likely to receive ownership interests compared with other types of physicians.ConclusionsIndustry payments to physicians were highly concentrated among a small number of physicians. Male sex, longer length of time in clinical practice, graduated from a top-ranked US medical school and practicing certain specialties, were independently associated with higher industry payments.
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Dissertations / Theses on the topic "Payments"

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Mandadi, Ravi. "Comparison of Current On-line Payment Technologies." Thesis, Linköping University, Department of Electrical Engineering, 2006. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-7383.

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The purpose of this thesis work was to make a survey of current on-line payment technologies and find out which are they and how do they work? Compare and analyze them from a security point of view, as well as a usability point of view. What is good? What is bad? What is lacking?

To achieve this purpose, an overview of the current on-line payment technologies was acquired through academic books and papers, Internet sites, magazines. Basic cryptographic and security related techniques were studied for the security analysis of current on-line payment systems.

In this work, various current on-line payment systems were classified into two groups [Macro and Micro on-line payment systems]. This classification was based on the mode of on-line payment transactions. To analyze these on-line payment systems, a set of payment system requirements were formed [Security Issues, Usability Issues, Anonymity, Scalability etc].

Under the category of Macro payment system, Credit Card payment system, Debit Card payment system, Stored Value Card payment system, Electronic Check payment system, Electronic Cash payment system, Electronic account transfer payment system and mobile payment system transactions were examined.

Under the category of Micro payment system, Hash Chain based Payment System, Hash Collisions and Hash sequences based Payment Systems, Shared Secrete Keys based Payment Systems and Probability based payment systems were examined.

Based on the requirements of payment system, these on-line payment systems were analyzed and compared. In the analysis phase, the advantages and drawbacks of these payment systems were figured out.

It was found from the study that the credit card based payment systems are the most widely used means of conducting on-line payments. It is evident that credit card based payment systems satisfy stakeholder requirements the best, as they offer more flexible payment options, having a large user-base, benefit from familiarity and simplicity of use and also allow international payments. The other on-line payment systems lack this flexibility

It can also be extracted from the study that users want more simplified, convenient and secure on-line payment systems. Thus the futuristic on-line payment systems will have all secure payment options into one system.

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Smolenko, S. "Contactless, or the future of payments." Thesis, Sumy State University, 2016. http://essuir.sumdu.edu.ua/handle/123456789/45980.

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Ramírez, Calderón Nicolás. "MOBILE PAYMENTS REGULATIONS : A comparative study between regulatory frameworks for Mobile Payments." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-177161.

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The increasing growth of mobile devices penetration has provoked the rise of the mobile payments industry. With many years in the market and with a constant evolution in both its technology and transactions volume, numerous implementations have entered the market around the world. It has demonstrated potential and innovation for services offered, business models, and delivery schemas. All these positive aspects bring new challenges for the industry and in particular for regulators. Mobile payments are emerging in the intersection of financial regulation, telecommunications regulation, and other technological rules that make the picture complicated and challenging. That is why regulators’ role should be to develop fair rules to protect both customers and the market, but having the ability to create at the same time an environment able to encourage innovation, open competition, and new services. This master thesis presents a depiction of mobile payments from its concept, functioning, technologies, and current situation. Everything conducted to introduce, explain, and analyze the existing regulations covering mobile payments and how the creation of such regulatory frameworks have helped the industry to grow and develop. Finally, several cases from different geographical regions and diverse markets are analyzed in order to see their regulatory approach and specific frameworks. Everything intended to analyze the existing trends and differences around the world with regions and countries with different socioeconomic characteristics. As a result an analysis locates each case in a logic map which allows the reader to understand how enabling is the environment for the development of the industry in terms of their regulatory situation. Additionally, the trends and differences between the regions are identified and presented based on the finds of each study case.
Den stigande tillväxten av mobila enheter har orsakat en ökning av mobila enheter betalnings industrin. Med många år på marknaden samt en ständig utveckling både i sin teknik och överföringar av volym, har många fullföljande kommit in på marknaden världen runt. Detta har bevisat potential och innovation för tjänster som erbjuds, affärsmodeller och leveransscheman. Alla dessa positiva aspekter har med sig nya utmaningar för branschen, särskild för tillsynsmyndigheterna. Mobila betalningar växer fram i finansiell reglerings snittet, reglering av telekommunikation, och andra tekniska regler som gör bilden komplicerad och utmanande. Det är därför tillsynsmyndigheternas roll bör vara att utveckla rimliga regler för att skydda både kunder och marknaden, men samtidigt att ha förmåga att skapa en miljö som kan främja innovation, öppen konkurrens samt nya tjänster. Detta examensarbete presenterar en skildring av mobila betalningar från sitt koncept, funktion, teknik och nuvarande situation. Allting ledde till att introducera, förklara och analysera de befintliga förändringar som omfattar mobila betalningar och hur skapandet av reglerande regelverk har hjälpt industrin att växa och utvecklas. Slutligen analyseras flera fall från olika geografiska regioner och olika marknader för att se deras regleringsmetod och regelverk. Allt syftar till att analysera befintliga trender och skillnader runtom i världen med regioner och länder med olika socioekonomiska egenskaper. Som ett resultat finns en analys som placerar varje fall i en mapp som ger läsaren en möjlighet att förstå hur viktig miljön är för utvecklingen när det kommer till dess reglerande situation. Dessutom identifieras och presenteras de olika trenderna och skillnaderna utifrån upptäckter som hittats i varje enskilt fall.
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Kováčik, Petr. "Elektronické platby na internetu a jejich praktické implementace." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-15542.

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The number of economic opportunities on the Internet is growing together with the intensive expansion of internet users. It is important to connect the internet sale of goods and services with electronic payment methods in order to be effective. The aim of the thesis is to describe electronic payments placed on the Internet, description of their different usage and popularity in accordance with geographical location of the customer, assets and risks, and payment costs and fees. This text offers facts that the provider should consider before choosing some payment method, and on the other hand facts which the payers (end users) consider important. Paid-service provider is introduced to different payment instruments with reference to the use in Czech internet environment. Each type of payment method is illustrated by an example with detailed description of installation progress in practical part of the text.
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Naik, Vaibhav C. "The evolution of the digital payments : the past, present and future of digital payments." Thesis, Massachusetts Institute of Technology, 2015. http://hdl.handle.net/1721.1/115037.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, System Design and Management Program, 2016.
Cataloged from PDF version of thesis.
Includes bibliographical references (pages 37-39).
The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.
by Vaibhav Naik.
S.M. in Engineering and Management
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Smith, Daniel J. "Electronic payments in DoD contracting." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 1993. http://handle.dtic.mil/100.2/ADA269738.

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Thesis (M.S. in Management) Naval Postgraduate School, June 1993.
Thesis advisor(s): Martin J. McCaffrey ; James M. Fremgen. "June 1993." Includes bibliographical references. Also available online.
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Cetin, Selcan. "Direct Income Payments: Turkish Experience." Master's thesis, METU, 2010. http://etd.lib.metu.edu.tr/upload/12612441/index.pdf.

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In 2001, Turkey started an agricultural reform program which ended at the end of 2008. The major component of the reform program was to make the transfers decoupled from production. In this scope, direct income support (DIS) was the tool that has been used to reduce the price distortions. DIS received noteworthy criticisms since the first signs of it and now, even after it is over, the prejudice against DIS prevails in Turkey. On the other hand, Turkey&rsquo
s commitments to WTO&rsquo
s Agreement on Agriculture insist on replacing price supports with non-distortionary policy tools and its candidacy to the membership of the EU requires harmonizing its agricultural policy to the CAP which is shifting towards direct income payments. Criticisms against DIS in Turkey are determined in this thesis, grouped and analyzed by investigating official data to see whether the fears came true. There were both rational and irrational criticisms and consequently, they could not be justified and agricultural issues were not worse off in DIS years. Turkey will eventually have to implement direct income payments again due to both domestic and international forces. Therefore, it is essentially important to understand how it was implemented previously and which aspects of it were exposed to criticisms, and design future policies accordingly.
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Anderson, Kristin Siwan. "Dowry payments in South Asia." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape10/PQDD_0033/NQ38849.pdf.

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Cribäck, Kevin. "Micro payments : Viable technical platforms and models for a bankto provide payments on micro amounts." Thesis, Uppsala universitet, Analys och sannolikhetsteori, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-354933.

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Andrén, Meiton Emelie, and Marie Lagström. "Contactless Mobile Payments entering Europe : The contactless mobile payment ecosystem and potential on the European market." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-34731.

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Abstract Contactless mobile payments are a payment method done with a mobile phone and a contactless technology. Instead of paying with cash, a payment card or a cheque, a user can tap its mobile phone onto a terminal to pay. Across the globe, several markets have been embracing the need for new payment methods. In Asia, contactless mobile payments have been used since 2004. In some of the African countries, due to an insufficient banking industry, mobile payments have been the only electronic payment method. However, in Europe contactless mobile payments are still in their initial phase. The benefits of contactless mobile payments are that they are easier to use, faster and more secure. However, there are some implications. Firstly, the lack of standardisations regarding how the technology will work has led to an undefined ecosystem consisting of many stakeholders with different motives. Secondly, in order for contactless mobile payments to break significant ground the users need to change their existing payment methods and habits. This is a time consuming process, which will require consistency and patience. The research purpose of this thesis has been to define the contactless mobile payment ecosystem with its future potential on the European market. The research paradigm has been of an interpretive nature where the researchers’ interpretations on the information have been in focus. In order to answer the research purpose, an action research has been conducted, including an analysis the of Porter’s Five Forces model applied on the current contactless mobile payment ecosystem with its various stakeholders, the attendance at the annual NFC Congress in Austria as well as an experimental case study on Google. 3The findings of the action research have resulted in new definition of the current contactless mobile payment stakeholder ecosystem. In this new definition of the ecosystem, the user has been defined as the strongest force, hence has been placed in the centre encircled by mobile network operators, banks, merchants and transit authorities. In the ecosystem handset manufactures, operating system providers, technology vendors, cash handling organisations, card networks, POS terminal manufactures and governmental bodies have also been represented. The vision of the case study on Google has been to present a market entry strategy for how Google could enter the European market of contactless mobile payments. The research resulted in a proposition that Google would enter the market in the following order; the UK, France, Turkey, Russia, Germany, Spain and Italy. The conclusions of the research have been that contactless mobile payments will cut across an entire ecosystem, but that the ecosystem at the moment is not fully defined. To achieve a competitive position, a stakeholder has to deliver an outstanding user experience that is interoperable within the whole European market. Key­words: Contactless mobile payments, near field communication (NFC), mobile payment ecosystem, payment ecosystem, Google, Android
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Books on the topic "Payments"

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inc, Contemporary Books, ed. The complete payment book: Monthly amortizing loan payments. Chicago, IL: Contemporary Books, 1996.

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Solomon, Stephen S. Mortgage payments. 2nd ed. Hauppauge, N.Y: Barron's, 1992.

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Northern, Ireland Department of Higher and Further Education Training and Employment. Redundancy payments. Belfast: Department of Higher and Further Education, Training & Employment, 2001.

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Late payments. London: Macmillan, 1986.

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Late payments. Woodstock, Vt: Foul Play Press, 1996.

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Great Britain. Department of Employment. Redundancy payments. London: Department of Employment, 1986.

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Great Britain. Department of Employment. and Great Britain. Central Office of Information., eds. Guarantee payments. 3rd ed. London: Department of Employment, 1986.

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Northern Ireland. Department of Higher and Further Education, Training and Employment. Guarantee payments. Belfast: Department of Higher and Further Education, Training & Employment, 2001.

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United Nations Conference on Trade and Development., ed. Illicit payments. New York: United Nations, 2001.

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Great Britain. Department of Economic Development for Northern Ireland., ed. Guarantee payments. [Belfast]: Department of Economic Development, 1998.

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Book chapters on the topic "Payments"

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Cicchella, Denise. "Payments and payment auditing." In Construction Audit, 162–66. Boca Raton: CRC Press, 2024. http://dx.doi.org/10.1201/9781003461487-29.

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Piatkivskyi, Dmytro, and Mariusz Nowostawski. "Split Payments in Payment Networks." In Lecture Notes in Computer Science, 67–75. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-00305-0_5.

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Keiding, Hans. "Payments." In Economics of Banking, 200–215. London: Macmillan Education UK, 2016. http://dx.doi.org/10.1007/978-1-137-45305-1_10.

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Hannaford, Matt, and Paul Turner. "Payments." In Ship Sale and Purchase, 149–60. 7th ed. London: Informa Law from Routledge, 2023. http://dx.doi.org/10.4324/9780429423208-16.

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Jones, Neira. "Conclusion (is this the end?)." In Understanding Payments, 366–68. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-7.

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Jones, Neira. "Payments regulations and licenses." In Understanding Payments, 304–65. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-6.

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Jones, Neira. "Card payments economics." In Understanding Payments, 96–169. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-3.

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Jones, Neira. "Open banking and alternative payments." In Understanding Payments, 242–303. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-5.

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Jones, Neira. "Bank payments systems." In Understanding Payments, 170–241. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-4.

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Jones, Neira. "Card payments mechanics." In Understanding Payments, 7–95. London: Routledge, 2024. http://dx.doi.org/10.4324/9781032631394-2.

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Conference papers on the topic "Payments"

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Lazdauskas, Evaldas, and Juozas Merkevičius. "EVALUATION OF MOBILE PAYMENTS PENETRATION IN BALTIC COUNTRIES AND POLAND BY APPLYING MCDM METHODS." In 23rd Conference for Young Researchers "Economics and Management". Vilnius Gediminas Technical University, 2020. http://dx.doi.org/10.3846/vvf.2020.018.

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The purpose of this research is to analyse penetration and use of mobile payments in Baltic countries and Poland in point of sale (POS) segment. Mobile payment or m-payment (MP) is referred to the transfer of money (in digital form) from one party (e.g., consumer) to another party (e.g., seller or merchant) using a mobile device. Mobile payments allows to pay for goods or services with mobile devices instead of paying with cash or physical credit cards. The statistical data helps us to know information about mobile payments growth. The article concerns analysis of mobile payment use in POS systems. The penetration of mobile payments in countries is different. Lack of scientific information and novelty of this article provided by this research include methods for multi criteria decision support by applying SAW and TOPSIS methods. In this study case we demonstrate the evaluation of mobile payment use in Lithuania with comparison with other Baltic countries and Poland. The SAW and TOPSIS methods supply the structure of decision making which can help us to evaluate the penetration of mobile payments.
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Remeikiene, Rita, Ligita Gaspareniene, and Gintare Grigaliune. "The analysis of lithuanian payment market: are we stuck to cash?" In Business and Management 2016. VGTU Technika, 2016. http://dx.doi.org/10.3846/bm.2016.35.

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Rapid technologic advancement alongside with increasing individual needs determine popularity of information technologies. As a result, a number of newly-developed instruments that enable to make payments in the methods different from cash are introduced to consumers in the payment market. The aim of this article is to establish how widely cash is used for making payments in Lithuanian payment market. The results of the research have revealed that the number of cash settlements in Lithuanian payment market is decreasing. Although the number of newly issued debit and credit cards is increasing, cash remains the prevalent method of payment, which corresponds to the trends of payment in the EU payment market.
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Armstrong, Aaron. "Inclusion of Continuous Annuities in Engineering Economics Instruction." In ASME 2022 International Mechanical Engineering Congress and Exposition. American Society of Mechanical Engineers, 2022. http://dx.doi.org/10.1115/imece2022-96205.

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Abstract Practicing engineers are often required to conduct financial analyses of engineering projects and related business ventures. The financial impacts of engineering work often involve repeated payments spread out over time rather than simple single transactions. Usually these payments occur monthly, quarterly, biannually, or annually. However, with advances in transactional and computational capability, systems with increasingly frequent payment structures are becoming more common. The greater efficiencies gained with these more frequent payment structures have led to the possibility of using continuous payment streams where the payment amount and time between payments goes to zero. This paper advances the case for the inclusion of this material in undergraduate engineering economics courses and presents an introduction to the topic and suggested methodology for how it can be integrated and presented in such a curriculum. The inclusion of this material in these courses will improve the effectiveness of engineering economic analysis of current transactional systems as well as to potentially advance the use of continuous annuities in professional engineering-related commerce.
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Japarova, Damira. "None Budgetary Forms of Health Funding in the KR." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02077.

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In Kyrgyzstan, significant share of the state funds used on the preferential treatment and financing of treatment other patients largely tolerated by themselves. However, the replacement of free services with paid ones occurs spontaneously and haphazardly. The strategy of replacement of free Medicare to paid in official documents and normative acts are not formulated, however, it really exists. With the introduction of co- payment system, patients are forced repeatedly pay for the same medical service, eventually not having a warranty for complete recovery. Many administrators in medicine believe that they do not need to take co-payment from patients, because the patients buying medicines themselves, and in this regard, there are many claims and perturbations on this subject. Our point of view, informal payments in medicine, i.e., unofficial payments to the doctor should not be seen as a "bribe". In the absence of a regulatory mechanism, the informal payment for services acts as a state-nonregulated addition to the market price, this cannot be canceled or destroyed. The only way to put them to some kind of framework - is legalization these payments. Special funds, or receipts from paid services should become a source of own fund of a polyclinic or hospital, which can be used first of all for increasing the salaries of medical workers. Instead of fixed co-payments in medical care, it is advisable to introduce co-payment in relation to medicines, i.e. pay part of the cost of drugs used in the treatment of the patient.
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Panfil, Cristina, and Profira Cristafovici. "Payment market in the Republic of Moldova: limits and development opportunities." In Conferinta stiintifica internationala "Strategii si politici de management in economia contemporana", editia VII. Academy of Economic Studies of Moldova, 2023. http://dx.doi.org/10.53486/icspm2022.53.

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In the context of the digitalization of economies, new technologies and financial solutions that have emerged, contribute significantly to the development of the financial system. In this context, financial payment services register a remarkable evolution, contributing to solving the problems of the population and the economic agents in the field of payments. It is interesting to what extent the Republic of Moldova has advanced in the assimilation of new financial services offered by providers in the last period and what are the possibilities for their development in the future. In this article we aim: to analyze the payments market in the Republic of Moldova from a marketing perspective, to identify factors that limit the development of the payments market, and development opportunities. The research methods used are: analysis of the legislation in force governing the payment system, statistical data analysis, graphical method, analysis and synthesis. The results of the research revealed the tendency of: competition increase in this field, the necessitiy for payment service providers to market orientation, proliferation and efficient cooperation between partners in the financial ecosystem, financial education of customers, approach to customer according to the segmentation, enhance social and ethical responsibility in relation to clients.
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Gridchin, V. S., Z. M. Albekova, and V. A. Balaev. "Contactless payments. Devices for contactless payment with NFC." In Научные тенденции: Вопросы точных и технических наук. ЦНК МОАН, 2018. http://dx.doi.org/10.18411/spc-12-08-2018-04.

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Khando, Khando, M. Sirajul Islam, and Shang Gao. "Factors Shaping the Cashless Payment Ecosystem: Understanding the Role of Participating Actors." In Digital Restructuring and Human (Re)action. University of Maribor Press, 2022. http://dx.doi.org/10.18690/um.fov.4.2022.10.

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Cashless payments have become increasingly popular around the world because of their numerous advantages. More so, the cashless payment adoption has been escalated during the Covid-19 pandemic. However, there is a lack of holistic studies on the adoption and contemporary practices of cashless payments. The purpose of this study is, therefore, to provide a comprehensive understanding by identifying the participating actors and their crucial role in the payment ecosystem. Thus, the paper aims to address two research questions: i) Who are the participating actors in the cashless payment ecosystem? and ii) What are the determinant factors for the actors to adopt the cashless payment ecosystem? Through scoping literature review of 63 articles published in the last seven years (2015-2021), six participating ecosystem actors are identified with their determinant factors. The study contributes towards addressing adoption issues and serves as a basis for future empirical investigation.
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Bandyopadhyay, Arkasama, Joshua D. Rhodes, Julia P. Conger, and Michael E. Webber. "How Solar and Storage Can Reduce Coincident Peak Loads and Payments: A Case Study in Austin, TX." In ASME 2018 International Mechanical Engineering Congress and Exposition. American Society of Mechanical Engineers, 2018. http://dx.doi.org/10.1115/imece2018-86482.

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This study builds a generalized tool to forecast the change of 4 coincident peak (4CP) loads and payments based on varying amounts of solar, storage capacity, and population estimates over a 10-year period for utilities within the Electric Reliability Council of Texas (ERCOT). It also incorporates an optimization model for the energy storage systems (ESSs) that maximizes the sum of the revenue earned from their operation as well as the net 4CP payments received by the utility by attempting to arbitrage the ERCOT energy market. The tool is illustrated by using empirical data from the municipally-owned utility in Austin, TX (Austin Energy). 4CP payments can be on the order of tens of millions of dollars. Results indicate that solar and storage capacity can substantially lower these payments. For example, a 20 MW increase in solar capacity in 2018 would reduce Austin Energy’s payment by an estimated $200,000 for each subsequent year. By using the novel approach of incorporating coincident peak demand charge reductions at the DSP level, this study highlights the economic value of local generation and storage.
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Sudzina, František, and Antonín Pavlíček. "Propensity to use Digital Innovation: Case of Contactless Payments in the Czech Republic." In 43rd International Conference on Organizational Science Development. University of Maribor Press, 2024. http://dx.doi.org/10.18690/um.fov.3.2024.68.

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While credit and debit cards have been used since mid-20th century, the first contactless credit card was available only since late 2007. Major supermarket chains in the Czech Republic were equipped for contactless payment since around 2015. Nowadays, also smartphones, smartwatches, and similar wearables facilitate contactless payments. The aim of the research was to analyze the impact of gender, age, education, and wealth on propensity to conduct a contactless payment when the context allows for it. The somewhat surprising finding was that the education level increases contactless payment propensity.
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Agaskar, Ankit, and Samaya Pillai. "IoT payments." In INTERNATIONAL CONFERENCE ON SUSTAINABLE MATERIALS SCIENCE, STRUCTURES, AND MANUFACTURING. AIP Publishing, 2023. http://dx.doi.org/10.1063/5.0172180.

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Reports on the topic "Payments"

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Livermore, Tanya, Jack Mulqueeney, Thuong Nguyen, and Benjamin Watson. The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey. Reserve Bank of Australia, November 2023. http://dx.doi.org/10.47688/rdp2023-08.

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The Reserve Bank conducted its sixth triennial Consumer Payments Survey (CPS), which provides detailed information on how Australians make their payments. The 2022 CPS provides the first comprehensive snapshot of consumer payment behaviour following the changes brought on by the COVID-19 pandemic. The survey shows that most in-person payments are made by tapping cards or mobile devices, even for small purchases. This means the share of in-person transactions made with cash halved, from 32 per cent to 16 per cent, over the three years to 2022. The demographic groups that traditionally used cash more frequently for payments – such as the elderly, those on lower incomes and those in regional areas – saw the largest declines in cash use. Cash usage has generally been replaced with card payments. While Australians are aware of and use a range of other newer payment methods, such as digital wallets and buy now, pay later services, they still make up a small share of payments.
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Edmiston, Kelly. Alternative payment models, value-based payments, and health disparities. Center for Insurance Policy and Research, August 2022. http://dx.doi.org/10.52227/25526.2022.

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The nexus of race and insurance is one of four regulatory priorities for the National Association of Insurance Commissioners (NAIC) in 2022 and has been a key initiative since 2020. As part of this initiative, the Health Innovations Working Group was charged to “evaluate mechanisms to resolve disparities through improving access to care, including . . . the use of alternative payment models and value-based payments and their impact on exacerbating or ameliorating disparities and social determinants of health.” This report is an effort to assist the HIWG in fulfilling this directive.
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Winikoff, Justin B., and Karen Maguire. The role of commercial energy payments in agricultural producer income. Washington, D.C.: Economic Research Service, U.S. Department of Agriculture, 2024. http://dx.doi.org/10.32747/2024.8374827.ers.

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A significant portion of energy production in the United States takes place on farmland, which can have substantial economic implications for the farmers who host such developments. This report analyzes energy payments made to farmers for the production of oil, natural gas, and wind energy on their land. The authors used 10 years of data (2011-20) from the USDA's Agricultural Resource Management Survey (ARMS) in their analysis. Results show that 3.5 percent of farm operations received energy payments and that the average annual payment to the operators was more than $30,000 (in 2020 dollars), contributing substantially to farm household income and exceeding government payments to these operations. Energy payments were more common in counties producing oil and natural gas than in those with wind energy development. Larger farms were significantly more likely to receive energy payments and received higher payments on average. Further, Hispanic producers and those with less education were significantly less likely to receive energy payments. Although the average energy payment varied by ethnicity and education status, this report did not find a statistically significant difference after accounting for farm location and size.
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Megersa, Kelbesa, Ludovic Bernad, Yves Nsengiyumva, Benjamin Byinshi, Naphtal Hakizimana, and Fabrizio Santoro. Digital Merchant Payments as a Medium of Tax Compliance: RiB 87. Institute of Development Studies, May 2023. http://dx.doi.org/10.19088/ictd.2023.028.

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Digital merchant payments – transactions between traders, or between traders and customers using digital means of payment – can promote tax compliance by providing access to safer, quicker formal payments for consumers, and leaving a digital trail of sales data that can be accessed by tax administration. This study examines how far the potential of digital merchant payments to increase tax compliance is being realised in Rwanda, and whether fees imposed by mobile network operators on digital financial services (DFS) can hinder both DFS adoption and tax compliance. It uses original survey data from 1,100 merchants country-wide, administrative data from the Rwanda Revenue Authority (RRA), focus group discussions and in-depth interviews. Rwanda is an interesting context in which to study digital merchant payments, as these are expected to reach 80 per cent of GDP by 2024.1 Particularly popular are mobile money payments, performed either through the person-to-business payment option MoMo Pay or through standard personal accounts. The country’s commitment to creating a cashless economy was accelerated due to the COVID-19 pandemic. Summary of Working Paper 159.
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Loecker, Florian, Amanah Ramadiah, Kimmo Soramäki, and Will Towning. Building Robust Anti-Fraud & Scam Capabilities at the National Level. FNA, November 2023. http://dx.doi.org/10.69701/ektb6000.

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The introduction of instant payment systems around the world has accelerated in recent years. There are now over 80 instant payment systems globally, with more than 35 being launched in the last five years and eight currently being built. These systems bring unprecedented speed and efficiency to payments markets, with greater convenience for consumers. However, faster payments also means faster fraud. For example, in Hong Kong, the volume of fraud cases more than doubled in the four years following the introduction of the Faster Payment Service in 2018. Authorized Push Payments (APP) fraud losses - a form of fraud in which victims are manipulated into making instant payments to fraudsters - are expected to climb to $5.25 billion across the US, UK, and India by 2026. Fraudsters use complex and sophisticated transaction schemes that span across banks to conceal the destination of fraudulently acquired funds. This means that no bank has full visibility of this network with their own payments data alone. It also means that standard rules and statistical approaches to fraud detection and prevention based on siloed bank-level data are limited in their effectiveness as they fail to fully capture the network dimension. We argue that the problem can only be efficiently addressed by capturing the full network, including cross-bank payment flows. This can be done by collating payments data into a central data hub that enables: The tracing and tracking of the fund movements in real time, allowing banks to recover funds for victims and identify new mule accounts and schemes faster, as well as reduce the cost of doing so. More accurate methods for fraud detection and risk scoring that employ graph features of the data. Risk scores and features to be provided to banks in real-time via APIs to improve their own fraud models and enable them to make more accurate and faster decisions on stopping fraudulent payments.
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León, Carlos. The dawn of a mobile payment scheme: The case of Movii. Banco de la República, March 2021. http://dx.doi.org/10.32468/be.1157.

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Mobile wallets replicate physical wallets on a mobile device, in which users can store different payment instruments (e.g., cards, transfers) to make mobile payments. As the mobile wallet is adopted, a mobile payment scheme emerges, with its users as elements in a network of transfers. In this article, I study the mobile payment scheme of Movii— the first fintech firm in Colombia operating under a financial non-banking license for electronic deposits and payments. Based on a unique dataset of bilateral transfers between Movii’s mobile wallet users, I build, visualize and analyze Movii’s network, daily from November 18, 2017, to November 25, 2020. Besides the anticipated increase in the number of users and the value of transfers, the visual and quantitative complexity of the network of transfers increases over time. This increase in complexity is likely to be linked to the adoption of Movii’s mobile wallet, which results in users finding new ways to use mobile payments beyond person-to-person transfers, including person-to-business and business-to-business. Also, results suggest the Covid-19 pandemic accelerated the evolution of Movii’s mobile payments scheme.
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Arango-Arango, Carlos A., Ana Carolina Ramirez-Pineda, and Manuela Restrepo-Bernal. Person-to-business Instant payments in Colombia: would it stick? Banco de la República, February 2022. http://dx.doi.org/10.32468/be.1192.

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More than 60 countries in the world have already implemented instant payment systems (IPS). However, in many cases they have been operational mainly for person-to-person transactions. This study looks at the challenges IPS may face in developing economies like Colombia as they advance further into the person-to-business transactions space. Using a survey on Colombian merchants (IV-2020), the study explores the factors associated with merchants´ propensity to adopt instant payments and those associated with the adoption of current electronic payment alternatives. It shows that IPS will need to have a broad strategy to penetrate the person-to-business space, as they will have to compete with the low marginal costs and immediacy that cash already offers and the high levels of informality in the commerce sector, especially for micro businesses. Furthermore, IPS will have to meet the high expectations merchants have about instant payments enabling access to other financial services, enhancing their competitiveness, and increasing their bottom line.
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Bullard, James, and Bruce D. Smith. Intermediaries and Payments Instruments. Federal Reserve Bank of St. Louis, 2002. http://dx.doi.org/10.20955/wp.2002.006.

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Rysman, Marc, and Scott Schuh. New Innovations in Payments. Cambridge, MA: National Bureau of Economic Research, June 2016. http://dx.doi.org/10.3386/w22358.

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Foley, C. Fritz. Welfare Payments and Crime. Cambridge, MA: National Bureau of Economic Research, June 2008. http://dx.doi.org/10.3386/w14074.

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