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Journal articles on the topic 'Peer-to-peer payments'

Author: Grafiati

Published: 4 June 2021

Last updated: 27 July 2025

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1

Venkata Mohit Tamanampudi. "AI-enhanced peer to peer payment security." International Journal of Science and Research Archive 10, no. 1 (2023): 1076–83. http://dx.doi.org/10.30574/ijsra.2023.10.1.0570.

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The use of peer-to-peer payment methods has enhanced the use of payments through technologies that allow users to transfer money directly. However, this innovation has also come with some risks, especially in the security of financial information, requiring high protection levels. This paper aims to discuss using artificial intelligence to improve the security of P2P payment platforms. AI has a robust protection mechanism against crime in transactions through machine learning algorithms in fraud detection, biometrics authentication, and risk assessment. Besides, it looks at future developments

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Mainetti, Luca, Matteo Aprile, Emanuele Mele, and Roberto Vergallo. "A Sustainable Approach to Delivering Programmable Peer-to-Peer Offline Payments." Sensors 23, no. 3 (2023): 1336. http://dx.doi.org/10.3390/s23031336.

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Payment apps and digital wallets are powerful tools used to exchange e-money via the internet. However, with the progressive disappearance of cash, there is a need for the digital equivalent of physical banknotes to guarantee the same level of anonymity of private payments. Few efforts to solve the double-spending problem exist in P2P payments (i.e., in avoiding the possibility of a payer retaining copies of digital coins in absence of a trusted third party (TTP)), and further research efforts are needed to explore options to preserve the privacy of payments, as per the mandates of numerous ce

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Sekhar Nanda, Ardhendu. "Future Trends in Peer-to-Peer Payments." International Journal of Science, Engineering and Technology 12, no. 6 (2024): 1–4. https://doi.org/10.61463/ijset.vol.12.issue6.396.

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Yunies Edward, Mohammad, Eko Nur Fuad, Hadi Ismanto, Apriani Dorkas Rambu Atahau, and Robiyanto. "Success factors for peer-to-peer lending for SMEs: Evidence from Indonesia." Investment Management and Financial Innovations 20, no. 2 (2023): 16–25. http://dx.doi.org/10.21511/imfi.20(2).2023.02.

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Sharia fintech lending grew up at the teenage stage and has successfully taken a strategic place in the Indonesian loan market. Adopting the economics of information and signaling theory, this paper investigates the probability of successful crowdfunding. Using cross-section data, this study analyzes 1,153 funded projects on Ammana.id platform, a well-known Indonesia’s sharia P2P lending. This study runs OLS regressions to examine the effect of loan information (ranking, estimated profit shares, and financing duration) on the amount of crowded funding. This finding support both theories, that

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Siddharth, Shukla, Wadhawe Yash, Ganeshe Neha, and Dilip Motwani Dr. "Kronocoin (KNC) – Peer-To-Peer Transactionusing Blockchain." International Journal of Innovative Science and Research Technology 7, no. 4 (2022): 786–89. https://doi.org/10.5281/zenodo.6535970.

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A peer-to-peer version of electronic cash would allow online payments to be sent from one party to the other without contacting the financial institutions. We use the blockchain paradigm with cryptographically secured transactions. Here we are considering Bitcoin, the largest owned cryptocurrency in the market. We will tackle this by taking inspiration from previous cryptocurrency problems and providing a helpful solution to satisfy the requirements. Our currency's name is Krono Coin, and it works on the algorithm of "Proof of Work." It uses blockchain to tackle real work problem

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Savitha, Basri, Iqbal Thonse Hawaldar, and Naveen Kumar K. "Continuance intentions to use FinTech peer-to-peer payments apps in India." Heliyon 8, no. 11 (2022): e11654. http://dx.doi.org/10.1016/j.heliyon.2022.e11654.

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Akshay, Ajayan, Farhaan, S. B. Ardra, M. S. Sujarani, and M. Balu. "EnerX: A Peer to Peer Electricity Trading Platform using Blockchain Technology." Recent Trends in Computer Graphics and Multimedia Technology 7, no. 3 (2025): 6–11. https://doi.org/10.5281/zenodo.15516194.

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<em>This paper presents a blockchain-based decentralized energy trading platform aimed at addressing monopolized electricity markets. The system connects prosumers and consumers directly through an online marketplace, allowing energy to be sold without intermediaries. By leveraging blockchain technology and IoT smart meters for real-time energy data, the platform enables secure, transparent, and automated transactions. Prosumers are incentivized with higher payments for their surplus energy, while consumers benefit from lower costs compared to traditional grid prices. Grid operators receive a

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KUPERSHTEIN, LEONID, and MYKHAILO KRENTSIN. "ANALYSIS OF PEER-TO-PEER NETWORKS TRENDS." HERALD OF KHMELNYTSKYI NATIONAL UNIVERSITY 299, no. 4 (2021): 26–29. http://dx.doi.org/10.31891/2307-5732-2021-299-4-26-29.

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The concept and nature of peer-to-peer networks are analyzed, a short history of their development is researched and presented. The first network of this type (Usenet), its features and prerequisites are described. Three types of peer-to-peer network architectures are considered – pure, federal and hybrid; advantages and disadvantages of each. The hybrid architecture is the most widely used today, as using a central server to connect nodes is a promising approach. Three generations of peer-to-peer networks are considered and their architectural features are presented. The first generation invo

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Kalinić, Zoran, Francisco J. Liébana-Cabanillas, Francisco Muñoz-Leiva, and Veljko Marinković. "The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems." International Journal of Bank Marketing 38, no. 1 (2019): 138–58. http://dx.doi.org/10.1108/ijbm-01-2019-0012.

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Purpose The purpose of this paper is to determine the significant antecedents of peer-to-peer (P2P) m-payment acceptance and explore the moderating effects of gender on the influence of these predictors with regards to intention of using the system. Design/methodology/approach The research was conducted on a sample comprised of 701 Spanish smartphone users. A multi-group structural equation modeling analysis was used to test the moderating effect of gender with a particular focus on the relationships between the latent variables of the research model. Findings The study identified significant

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Agha, Leila, and Dan Zeltzer. "Drug Diffusion through Peer Networks: The Influence of Industry Payments." American Economic Journal: Economic Policy 14, no. 2 (2022): 1–33. http://dx.doi.org/10.1257/pol.20200044.

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Pharmaceutical companies market to physicians through individual detailing accompanied by monetary or in-kind transfers. Large compensation payments to a small number of physicians account for most of this promotional spending. Studying US promotional payments and prescriptions for anticoagulant drugs, we investigate how peer influence broadens the payments’ reach. Following a compensation payment, prescriptions for the marketed drug increase from both the paid physician and the paid physician’s peers. Payments increase prescriptions to both recommended and contraindicated patients. Over three

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Septiani, Sista, Salma Farah Lalita, and Dila Regita Zahra. "Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023)." Jurnal Keuangan dan Perbankan 21, no. 1 (2024): 69–78. https://doi.org/10.35384/jkp.v21i1.591.

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Rapid technological developments in the last few decades have had a major impact on the financial services industry. On the other hand, technological developments have given rise to new innovations such as peer to peer lending and digital payments. These two types of fintech are currently popular financial services. The existence of these two types helps people in the Covid-19 conditions because relying on technology, all transaction activities can be carried out. This research aims to determine the influence of fintech peer to peer lending and digital electronic money payments simultaneously

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N Bharath. "A Study On Consumer Preference of Unified Payment Interface (Upi) With Reference to Chennai City." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 09–16. http://dx.doi.org/10.53422/jdms.2023.101602.

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This study aims to analyze consumer preferences towards the Unified Payment Interface (UPI) in Chennai city. Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India (NPCI). The interface facilitates inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions. It is used on mobile devices to instantly transfer funds between two bank accounts. The study was done with the quantitative research approach, and data was collected through a structured questionnaire from 100 respondents residing in Chennai city. The questio

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Hidayah, Nur Putri, and Komariah Komariah. "Upaya Peningkatan Literasi Hukum Masyarakat Tentang Peer to Peer Lending." Jurnal Dedikasi Hukum 2, no. 1 (2022): 1–11. http://dx.doi.org/10.22219/jdh.v2i1.20914.

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Pinjaman online atau yang dikenal dengan peer to peer lending semakin marak di masyarakat. Proses yang cepat dan persyaratan yang sederhana membuat banyak masyarakat tertarik meminjam pada aplikasi pinjaman online. Namun, dibalik kemudahan tersebut, banyak permasalahan yang lahir pasca pencairan peminjaman, seperti: 1) Waktu pembayaran/jatuh tempo yang terlampau cepat; 2) Bunga pinjaman yang mencekik; 3) Biaya administrasi tinggi yang dipotongkan pada nominal pinjaman, namun pokok pinjaman tetap dihitung dari jumlah total pencairan; 4) Teror dari perusahaan pinjaman online karena keterlambatan

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Zehra, Farheen, Farhina Sardar Khan, and Syed Shahid Mazhar. "Scanning the surging Indian digital payment gateways through peer-to-peer (P2P) applications and challenges: A literature review." Journal of Statistics and Management Systems 27, no. 1 (2024): 133–54. http://dx.doi.org/10.47974/jsms-1198.

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Introduction: Digital payment gateways have witnessed remarkable growth in India, primarily driven by the widespread adoption of peer-to-peer (P2P) applications. As this trend continues to reshape the financial landscape, it becomes crucial to conduct a systematic literature review (SLR) to analyze the surging Indian digital payment gateways through P2P applications. Need of the study: The need for this study arises from the rapid expansion of digital payment gateways and their implications for various stakeholders, including businesses, consumers, and the economy as a whole. Understanding the

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Grennan, Jillian. "Dividend payments as a response to peer influence." Journal of Financial Economics 131, no. 3 (2019): 549–70. http://dx.doi.org/10.1016/j.jfineco.2018.01.012.

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Zhou, Zhiying. "Research on the Relationship and Application of Cryptocurrency and Blockchain." Highlights in Business, Economics and Management 21 (December 12, 2023): 382–88. http://dx.doi.org/10.54097/hbem.v21i.14492.

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This research paper discusses virtual currency and the blockchain technology that underpins it. Virtual money, frequently referred to cryptocurrency, is a digital method of payment that is not regulated by traditional financial institutions. It enables individuals to perform peer-to-peer transactions in a secure and efficient manner by using encrypted digital records. Cryptocurrencies like Bitcoin and Ethereum have garnered popularity due to their promise to transform financial institutions by enabling international and decentralized payments. Blockchain technology facilitates the operation of

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Rahayu, Nika Esti, Rosida Ibrahim, Asri Primasiwi, and Abdul Azis. "Looking at the Financial Performance of MSMEs: Do Financial Literacy, Fintech Lending, and the Effectiveness of Digital Payment Affect?" Jurnal Bisnis Mahasiswa 5, no. 1 (2025): 328–40. https://doi.org/10.60036/jbm.v5i1.370.

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The study aims to test the effect of financial literacy, fintech peer-to-peer lending, and digital payment on the financial performance of Micro, Small, and Medium Enterprises in Madiun City. The research method uses a quantitative approach with a sample of 394 MSME actors. The data analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM). The results of the study indicate that financial literacy and fintech peer-to-peer lending have a positive effect on the financial performance of MSMEs. Meanwhile, digital payment does not affect the financial performance of MSMEs.

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Li, Lingyuan, Guo Freeman, and Donghee Yvette Wohn. "The Interplay of Financial Exchanges and Offline Interpersonal Relationships through Digital Peer-to-Peer Payments." Telematics and Informatics 63 (October 2021): 101671. http://dx.doi.org/10.1016/j.tele.2021.101671.

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M, Dinesh Kumar. "AN ANALYSIS OF UNIFIED PAYMENTS INTERFACE (UPI): PAYER AND PAYEE PSP PERFORMANCE, UPI APPS, AND P2P AND P2M TRANSACTION TRENDS IN INDIA." ICTACT Journal on Management Studies 11, no. 1 (2025): 2054–61. https://doi.org/10.21917/ijms.2025.0318.

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This study investigates the Unified Payments Interface (UPI) ecosystem in India from October 2022 to October 2024, focusing on UPI Payer and Payee Payment Service Provider (PSP) performance, UPI apps, and P2P (Peer-to-Peer) and P2M (Peer-to-Merchant) transactions. Using a mixed-methods approach, quantitative data from official sources like NPCI and RBI reports provides insights into transaction volumes, values, and trends across various PSPs and UPI apps. The study also explores factors influencing UPI growth, such as digital literacy and financial inclusion, using regression analysis. The res

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Wahyuningrum, Ramadhini, and Indrawati Yuhertiana. "THE EFFECT OF DIGITAL PAYMENT, PEER-TO-PEER (P2P) LENDING, AND MARKETPLACE ON THE DEVELOPMENT OF SMEs DURING A PANDEMIC." Jambura Economic Education Journal 5, no. 2 (2023): 1–24. http://dx.doi.org/10.37479/jeej.v5i2.18861.

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This study aims to examine the influence of Digital Payments, Peer To Peer (P2P) Lending, and Marketplace on the development of micro, small, and medium enterprises (MSMEs) during the Surabaya City pandemic. This type of research approach uses a quantitative approach. The sampling technique used purposive sampling and data analysis using Partial Least Square (PLS) with a test tool in the form of SmartPLS 3. The data source is primary data obtained from the results of distributing questionnaires, namely MSME actors in Surabaya as many as 86 respondents. The results of this study indicate that (

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Hidayati, Tutik, Ramdan Wagianto, and Hawa’ Hidayatul Hikmiyah. "Praktik Utang Piutang melalui Aplikasi Peer to Peer Lending Kredit Pintar dalam Perspektif Fatwa Dsn-MUI." Rechtenstudent 3, no. 3 (2023): 331–47. http://dx.doi.org/10.35719/rch.v3i3.182.

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Online loans are loans with a system through online media, one of which is the Smart Credit Application. Debt is one of the muamalah activities that is based on mutual cooperation between each other so that Muslims can do it if the debt and credit contracts are fulfilled properly. The focus of the problems in this study are: 1) The loan application process in the Smart Credit Application in Islamic law. 2) Debts that have not been paid off by the due date determined by the Smart Credit application in Islamic law. The type and approach of this research is library research with qualitative metho

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Gabriella, Lavenia Sutjiono, and Leng Pwee. "Fintech Peer-to-Peer Lending, E-Money and Indonesia's Economic Growth." Journal of Economics, Finance And Management Studies 07, no. 08 (2024): 5253–65. https://doi.org/10.5281/zenodo.13378404.

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The adoption of modern technology has a very important role and impactful on economic growth. One of the trends in financial sector in Indonesia is the financial technology (fintech) which marks the era of modern technological innovation that is increasingly penetrating the financial sector. The growth of corporate investment supported by fintech, P2P lending and e-money has great potential to increase productivity, create new jobs, and ultimately, drive sustainable economic growth. In this context, growth in the distribution of fintech lending through P2P lending and fintech payments through

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

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

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Rubasinghe, Iresha Dilhani. "Transaction Verification Model for Peer-to-Peer Service-Oriented Digital Currency Transactions Based on the Foundation of Blockchain Architecture." ABC Research Alert 4, no. 3 (2016): Lanka. http://dx.doi.org/10.18034/ra.v4i3.306.

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Digital payment systems are an evolving field in present day with the recent enhancements in seamless digital currencies. Thus, despite the benefits of cryptocurrency based digital payments systems, their adoption and diffusion within general payment platform domain are significantly hindered. Blockchain architecture is widely recognized as a promising mechanism to support the management of cryptocurrency related transactions. However, ensuring the security of digital payment transactions is a challenging task due to various security threats and existing prevention mechanisms that are either c

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Novinna, Veronica. "Perlindungan Konsumen dari Penyebarluasan Data Pribadi oleh Pihak Ketiga: Kasus Fintech Peer”To Peer Lending”." Jurnal Magister Hukum Udayana (Udayana Master Law Journal) 9, no. 1 (2020): 92. http://dx.doi.org/10.24843/jmhu.2020.v09.i01.p07.

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Online loans are an instant method to get loans with technology basis and under control of the Financial Services Authority. Startups organizer have failed to protect consumers personal information thus creates problem in collecting debts."This study aims to explain and analyze" the”Legal Position of the Debt Collector in the administration of fintech and the legal consequences of the act of suppressing payments to consumers who fail to pay unlawfully.”This type of research used is normative juridical conducted with the approach of existing laws and regulations in Indonesia. Based on the resea

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Subagiyo, Dwi Tatak. "Characteristics of Financial Technology as Financing Alternative Capitalization of Medium Small-Medium Enterprises (MSME)." Fiat Justisia: Jurnal Ilmu Hukum 15, no. 2 (2021): 133–58. http://dx.doi.org/10.25041/fiatjustisia.v15no2.1933.

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Characteristics of Financial Technology as a Financial Institution that uses information technology to provide financial solutions by prioritizing compliance with the principles of prudence and risk management. The characteristics of Financial Technology institutions are getting a loan quickly; Makes Payment Easier; Make Loan Payments without Additional Fees. Peer to Peer Lending (P2P lending) system in providing financial services is done through information technology based. The financial services institution Peer to Peer Lending (P2P Lending) is a financial technology financial institution

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Ningsih, Ayup Suran. "Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective." Substantive Justice International Journal of Law 3, no. 2 (2020): 109. http://dx.doi.org/10.33096/substantivejustice.v3i2.73.

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In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make paymen

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Ogunlade, Deborah. "The Influence of the Cashless Policy on Economic Growth and Development." NIU Journal of Social Sciences 10, no. 1 (2024): 39–50. http://dx.doi.org/10.58709/niujss.v10i1.1788.

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The study investigates the correlation between the cashless policy and economic growth and development in Nigeria. Ordinary regression analysis was applied to assess the impact of the cashless policy on economic growth and development. Data were gathered from participants using a structured questionnaire. The study's results demonstrated that the independent variables (EBS, ETS, P2P) exert a significant influence on the dependent variable (EGD). The notably high R-squared value indicates a strong alignment of the model with the data. Conclusively, the study asserts that the cashless policy exh

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J. Pritha, Ebenezer, and Packiathai J. Leelavathy. "A study on awareness and adoption of unified interface payments in city union bank." B-Digest (Journal of Commerce & Management) 16, no. 1 (2024): 15. http://dx.doi.org/10.26634/bdigest.16.1.20479.

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UPI stands for Unified Interface Payments, which is used as a payment gateway to send and receive funds from anywhere, anytime, to other verified UPI accounts or to bank accounts using the unique VPA allocated to the UPI account of City Union Bank. City Union Bank's UPI is known as BHIM CUB e-wallet UPI. VPA is the Virtual Payments Address allotted by providing a registered mobile number or the account number of a valid savings or current account, along with the IFSC code. UPI was initiated by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI)

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Simser, Jeffrey. "Bitcoin and modern alchemy: in code we trust." Journal of Financial Crime 22, no. 2 (2015): 156–69. http://dx.doi.org/10.1108/jfc-11-2013-0067.

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Purpose – This paper aims to explore the challenge posed by Bitcoin to regulators, particularly anti-money laundering regulators. Bitcoin is a crypto-currency based on open-source software and protocols that operates in peer-to-peer networks as a private irreversible payment mechanism. The protocol allows cross-border payments, for large and small items, with little or no transactional costs. Design/methodology/approach – Case studies and case law are examined as are relevant reports by regulators. Findings – Bitcoin is based on complex computer code supported by a robust community in a peer-t

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Hupel, Lars. "A conceptual model for point-of-sale payment with retail central bank digital currency." Journal of Payments Strategy & Systems 18, no. 4 (2024): 381. https://doi.org/10.69554/etqk2745.

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Like many central banks, the European Central Bank is pushing forward with the introduction of a central bank digital currency (CBDC). The digital euro is designed for retail use cases, to include peer-to-peer and merchant payments. Many different form factors are supported, with a focus on offline capabilities. While the picture is clear about how users will access and obtain CBDC, the acceptance side remains to be fully understood. This paper analyses the technical background of CBDC wallets and proposes a conceptual model for introducing CBDC payments to consumers.

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Aisah, Nurul, Nur Rahmawati, Sisca Dian Rahmawati, Dewangga Eka Syahputra, and Aulia Galuh Ani Sekar Arum. "PUBLIC IMPRESSIONS OF THE USE OF SHARIA PEER-TO-PEER LENDING IN PREVENTING ILLEGAL ONLINE LOAN FRAUD." EKUITAS (Jurnal Ekonomi dan Keuangan) 8, no. 4 (2024): 559–72. https://doi.org/10.24034/j25485024.y2024.v8.i4.6724.

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Interest in sharia loans may be significantly lower than regular internet loans. Online Sharia loans are safer than conventional loans as they do not incur interest or usury and do not impose penalties for late payments. This study seeks to ascertain public perceptions regarding the utilization of Sharia-compliant P2P lending as a means to mitigate illicit online loan fraud. The employed methodology is a mixed methods research strategy, specifically quantitative utilizing the TAM model and qualitative through structured interviews, aimed at acquiring deeper insights from relevant sources. This

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Ruksana, Ashraf, Duraipandi Mavoothu, Vineetha Mathew, P. M. Nimmi, and K. R. Renjith. "Innovation in Compensation Payments." Journal of Telecommunications and the Digital Economy 12, no. 2 (2024): 57–75. http://dx.doi.org/10.18080/jtde.v12n2.732.

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The growing economic influence of cryptocurrency and the development of the associated infrastructure has brought about an interest in the new areas of its application. Payment of compensation in cryptocurrency is one such evolving application of cryptocurrency. Using a qualitative research design, we attempt to identify the factors and ecosystem constituents that play an important role in the diffusion, adoption and use of cryptocurrency as a compensation medium. A hybrid methodology involving both inductive and deductive methods of qualitative inquiry was used to develop the themes. The stud

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Karthika, Dr M. "A Study on Customer Satisfaction towards Google Pay Service at Thuckalay." International Journal of Emerging Knowledge Studies 03, no. 12 (2024): 1060–64. https://doi.org/10.70333/ijeks-03-12-019.

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Google pay is a digital payment platform developed by Google. It allows user to make online and in – person payments, as well as peer-to peer transfers. It’s a convenient and secure way to pay for goods and services using your smart phone or other compatible devices. Google pay was the company first mobile payment system developed for Android device. It was introduced an 19th September 2011. In 2015, it was renamed android pay. In 2018 Google announced that Google wallet would join the other payment offerings under the Google pay branding. Google wallet was then renamed Google pay sends. Googl

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Petrushenko, Yuriy, Liudmyla Kozarezenko, Aldona Glinska-Newes, Maryna Tokarenko, and Maryna But. "The opportunities of engaging FinTech companies into the system of cross-border money transfers in Ukraine." Investment Management and Financial Innovations 15, no. 4 (2018): 332–44. http://dx.doi.org/10.21511/imfi.15(4).2018.27.

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Despite the increasing role of cross-border payments within the globalization processes and rapid growth of venture sector, an issue of its implementation remains to be a debatable point for many countries. The paper identifies disruptive challenges for financial institutions need to adapt. The research investigates the value and the investment flows structure as most obvious indicators of FinTech and describes types of payments relationships there. The paper considers relationships between enterprises, financial institutions and individuals, which are formed in digital payments. To understand

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Manggala, Ferdiansyah Putra. "Legal Protection For Third Parties Who Are Provided As Individual Guarantees By Fintech Peer-To-Peer Lending." Jurnal Justiciabelen 6, no. 2 (2023): 1. http://dx.doi.org/10.30587/justiciabelen.v6i2.6992.

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The emergence of fintech companies is increasingly receiving attention from the public and regulators, namely the financial services authority (OJK) and Bank Indonesia (BI). This is stated in Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services. This regulation regulates information technology-based money lending and borrowing services or what is called peer to peer money lending. As of May 24 2021, the total number of fintech peer to peer lending or fintech lending providers registered and licensed with the

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Al-Haija, Qasem Abu, and Abdulaziz A. Alsulami. "High Performance Classification Model to Identify Ransomware Payments for Heterogeneous Bitcoin Networks." Electronics 10, no. 17 (2021): 2113. http://dx.doi.org/10.3390/electronics10172113.

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The Bitcoin cryptocurrency is a worldwide prevalent virtualized digital currency conceptualized in 2008 as a distributed transactions system. Bitcoin transactions make use of peer-to-peer network nodes without a third-party intermediary, and the transactions can be verified by the node. Although Bitcoin networks have exhibited high efficiency in the financial transaction systems, their payment transactions are vulnerable to several ransomware attacks. For that reason, investigators have been working on developing ransomware payment identification techniques for bitcoin transactions’ networks t

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Bonaccorsi, Andrea. "Towards peer review as a group engagement." JLIS.it 14, no. 1 (2022): 46–59. http://dx.doi.org/10.36253/jlis.it-511.

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I discuss from an economic perspective two of the most recent suggestions to reform the peer review system: (a) payment to referees; (b) ex post peer review. I show that strong economic arguments militate against these ideas. With respect to payment to referees I use results from the economic analysis of prosocial behavior and the private production of public goods, which show that the supply of monetary incentives has the paradoxical effect of reducing the willingness of agents to collaborate, insofar as they substitute intrincic motivation with extrinsic motivation. With respect

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Valente, Andrea, and David Atkinson. "Can Bitcoin be the Future of Digital Payments?" Journal of Business and Economics 10, no. 6 (2019): 489–500. http://dx.doi.org/10.15341/jbe(2155-7950)/06.10.2019/001.

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This study aimed to investigate the conditions in which Bitcoin has developed as a leading cryptocurrency and, according to Nakamoto (2008), could become an instrument for everyday payments around the world. In comparison to other digital payment solutions, Bitcoin is based on a peer-to-peer electronic cash system using “the blockchain”. This innovative technology allows for decentralised storage and movement of currency in a fully anonymous way, introducing advantageous methods for encrypted security and faster transactions (Hagiu & Beach, 2014). Scepticism regards Bitcoin’s foundation, e

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Erasmus, Deon, and Susan Bowden. "A Critical Analysis of South African Anti-Money Laundering Legislation with regard to Cryptocurrency." Obiter 41, no. 2 (2020): 309–27. http://dx.doi.org/10.17159/obiter.v41i2.9154.

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Cryptocurrencies are decentralised virtual currencies, using blockchain technology to process peer-to-peer electronic payments. In 2009, the first successful cryptocurrency, Bitcoin, was established. This article discusses concepts of cryptocurrency, its relevance in the financial sector, its associated risks and establishes whether regulatory interference is necessary in order to combat money laundering using cryptocurrency. Currently, cryptocurrencies remain unregulated in South Africa. The article concludes that regulatory intervention is necessary and that cryptocurrencies should be integr

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Sureya, S. J., and V. Josephine Lourdes De Rose. "Investigating Unified Payments Interface Linked Applications: Analyzing Preference of Generations." Journal of Management and Entrepreneurship 16, no. 2 (2022): 66–71. https://doi.org/10.70906/20221602066071.

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Mobile commerce has become the primary payment mode for online shopping and digital transaction in India. Technology survey generation is influenced by the Unified Payment Interface to make the transactions between peer-to-peer and peer-to-merchants. It is focused on stealing the market share of net banking. The researcher would like to examine the Unified Payment Interface preferred by generations and also investigate the factors influencing the generations in preferring particular applications for digital transactions. The study is descriptive in nature and used a structured questionnaire to

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Vaishali Solanki. "Sustainable Digital Payments: Examining Unified Payment Interfaces (UPI) Adoption Among Generation X." Journal of Information Systems Engineering and Management 10, no. 54s (2025): 547–58. https://doi.org/10.52783/jisem.v10i54s.11141.

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Growth in the Indian economy and rising standards of living have made space for new technologies in Indians life, contributing to the evolution of a variety of technology-based solution. Digital payments, like UPI are helping to ease the liquidity shortage as mobile payments has become the most common payment method for digital transactions in India, for peer-to-peer transactions. However, for generation X, adopting new technology might be challenging, in urban areas of India, where digital transactions are on the rise. Additionally, sustainability is relatively a new trend in the financial wo

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Hakke, Harshad, Abhishek Bharati, Akshay Ranit, and S. R. Khonde. "Blockchain Based Payment Method for Secure Transactions." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 835–40. http://dx.doi.org/10.22214/ijraset.2022.48008.

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Abstract: Blockchain is a type of distributed ledger that sits on the internet for recording transaction and maintaining a permanent and verifiable record-set of information. Token was created to reduce the government's control over cross-border transactions and to speed up the transaction process by removing the need for third-party intermediaries, Blockchain, on the other hand, provides a secure environment that token needs for peer-to-peer transactions. In other words, blockchain acts as bitcoin's ledger and maintains all the transactions of token. Token has a high degree of anonymity. Thou

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N Sanchiga Nandhini and Padmapriya Arumugam. "Digital currency banking using block chain technology." World Journal of Advanced Engineering Technology and Sciences 8, no. 1 (2023): 053–61. http://dx.doi.org/10.30574/wjaets.2023.8.1.0011.

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Banks are now the almost sole source of confidence for internet commerce when it comes to processing electronic payments. With a peer-to-peer electronic currency, payments can be conducted online directly between parties without going via a banking organisation. While signatures do contribute in some ways, the main benefits are lost if a trustworthy third party is still required to prevent double spending. So in this project we can implement Bit Coin based banking system can be implemented leveraging the technologies of block chains to create hash functions. Bit coin is a crypto currency, whic

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Bernadette, Begino, B. Bien Maricar, M. Carable Trisha, D. Montes Eunice, L. Navalle Elaine, and S. Relucio Keziah. "CASHLESS FUTURE." GPH-International Journal of Business Management 7, no. 12 (2024): 149–69. https://doi.org/10.5281/zenodo.14566987.

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Digital payment methods, including online credit card payments, mobile wallets, electronic cash, and contactless payments, have revolutionized financial transactions in recent years. This study explored the effectiveness of digital wallets in facilitating payments, savings, and investments. A descriptive research approach was employed, utilizing a Google Form survey to collect data on financial behaviors, focusing on using digital wallets for various financial activities. The results revealed that peer-to-peer transfers were frequently used for transactions through digital wallets. Additionall

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Fransiska Sinaga, Debora, and Jinner Sidauruk. "Legal Responsibility of Debtors for Late Repayment of Loans on the Shopee Application: Perspective of OJK Regulation No.10/PJOK.05/2022 on Information Technology-Based Joint Funding Services." Journal of Legal and Cultural Analytics 4, no. 1 (2025): 27–36. https://doi.org/10.55927/jlca.v4i1.13575.

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This study aims to understand the legal protection and legal responsibility of debtors in online loan agreements on the Shopee platform. This research is a type of normative juridical legal research, using a legislative approach, a conceptual approach, and a sociological approach. The results of this study are as follows: First, the legal protection provided to debtors of Shopee's Peer-to-Peer Lending (P2PL) loans, regulated by OJK, includes regulations governing peer-to-peer lending services, as outlined in Article 41 of PJOK Number 10/POJK 2022. Second, the debtor's responsibility for late l

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Darmawan, Nurcholis, Novita Erliana Sari, and Maretha Berlianantiya. "Bagaimana Tingkat Pemahaman Financial Technology dan Financial Literacy Berperan Mengubah Perilaku Konsumsi Pada Generasi Millenial?" FISCAL: Jurnal Akuntansi dan Perpajakan 1, no. 2 (2023): 125. http://dx.doi.org/10.25273/jap.v1i2.19077.

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<p dir="ltr"><span>Abstract </span></p><span><span><br /></span></span><p dir="ltr"><span>The development of technology and the development of understanding in the community participate in shaping the behavior of the younger generation of Gen Z. This research was carried out at SMA Negeri 1 Madiun which aims to determine the pattern of student consumption behavior amid the rise of technology and various new understandings in society. This study used quantitative research with a sample of 179 students. SPSS v26 was used as a data

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Cvetkova, I. "CRYPTOCURRENCIES LEGAL REGULATION." BRICS Law Journal 5, no. 2 (2018): 128–53. http://dx.doi.org/10.21684/2412-2343-2018-5-2-128-153.

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This article evaluates the legal framework of cryptocurrency in various countries. The new currency instrument is abstract currencies. They are currencies in the sense that they can be exchanged peer-to-peer. They are representations of numbers, i.e. abstract objects. An abstract currency system is a self-enforcing system of property rights over an abstract instrument which gives its owners the freedom to use and the right to exclude others from using the instrument. Cryptocurrency or virtual currency is a cryptographically protected, decentralized digital currency used as a means of exchange.

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Kalenyuk, Iryna, Oleg Kuklin, Yevgen Panchenko, Antonina Djakona, and Maksym Bohun. "FINANCIAL INNOVATIONS IN THE SMART CITY ECOSYSTEM." Financial and credit activity problems of theory and practice 1, no. 54 (2024): 102–13. http://dx.doi.org/10.55643/fcaptp.1.54.2024.4287.

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The widespread adoption of digital technologies in finance has led to the development of new financial instruments. Digital technologies offer benefits such as faster transactions, increased consumer satisfaction, and greater competitiveness of financial institutions. The article examines the latest forms of Fintech and their distribution in smart cities, as well as the implementation of smart projects. It is important to note that any subjective evaluations have been excluded from this analysis. The article systematises the main directions and forms of application of modern financial technolo

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Dr., Supriya Arvind Chougule. "Fintech Usage and Consumer Perception." International Journal of Advance and Applied Research S6, no. 22 (2025): 1038–42. https://doi.org/10.5281/zenodo.15534430.

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<em>The widespread adoption of UPI, launched by the National Payments Corporation of India (NPCI) in 2016, has enabled seamless peer-to-peer and business transactions, making digital payments more accessible to millions. Mobile wallets such as Paytm, PhonePe, and Google Pay have further facilitated cashless transactions, particularly after the 2016 demonetization. These innovations have supported small businesses, micro, small, and medium enterprises (MSMEs), and the gig economy by providing secure, instant, and low-cost financial services.</em> <em>Government initiatives such as Digital India

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