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Journal articles on the topic 'Real time gross systems (RTGS)'

Author: Grafiati

Published: 4 June 2025

Last updated: 14 July 2025

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1

Thomas, Bhiri, Vhimisai Takaivona, and Bayai Innocent. "An Evaluation of the Usage and Operational Framework of the Real Time Gross Settlement System in the Zimbabwean Banking Sector." Journal of Emerging Trends in Economics and Management Sciences 5, no. 5 (2014): 412–18. https://doi.org/10.5281/zenodo.2548253.

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Payment systems have evolved over the years in tandem with the quantum leap in the volume and value of payment system transactions. Consequentially, the banking sector together with the financial regulatory institutions have developed safe, reliable and robust payment streams such as the Real Time Gross Settlement (RTGS) system. This research seeks to evaluate the usage and operational framework of the Real Time Gross Settlement system in the Zimbabwean banking sector. The cross-sectional survey research design was adopted for this research. The major findings from the research were that the R

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Nakajima, Masashi. "Liquidity Saving Mechanisms in Payment Systems and Settlement Liquidity." International Journal of Innovation in the Digital Economy 7, no. 4 (2016): 23–45. http://dx.doi.org/10.4018/ijide.2016100102.

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Payment systems are one of the key Financial Market Infrastructures (FMIs) and have showed remarkable progress over the past two decades. The first half of this paper focuses on the evolutionary process of payment systems, starting with the Deferred Net Settlement (DNS) system and progressing to the Real-Time Gross Settlement (RTGS) system. Subsequently, much more sophisticated payment systems have been put in place, which include the “Hybrid System,” and the “RTGS system with Liquidity Saving Mechanism (LSM).” In the latter half of this paper, experience from the “Next-Generation Real-Time Gr

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Parves, Anowar. "Adoption of Real Time Gross Settlement in Bangladesh: A study on some selected banks." International Journal of Science and Business 3, no. 1 (2019): 184–94. https://doi.org/10.5281/zenodo.3368564.

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Economic growth of a country is fostered by the development of financial services. Electronic financial services play an important role in upgradation of payment systems. In recent years, payment system in Bangladesh has undergone a few dramatic changes. In the changes Real Time Gross Settlement(RTGS) is an important element which can be a strong catalyst for development of payment systems in the electronic banking and financial services. Though Bangladesh has adopted some electronic financial services like ATM, Internet Banking, BEFTN, RTGS etc. the rate of embracing these services are still

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Anugrah, Johan, and Izharuddin Izharuddin. "The Effect of Debit, Credit and BI-RTGS Card Usage on Indonesia's Economic Growth." Asian Journal of Management Analytics 4, no. 2 (2025): 645–54. https://doi.org/10.55927/ajma.v4i2.14299.

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This study aims to analyze the effect of debit, credit and BI-RTGS card usage on economic growth in Indonesia using secondary data from 34 provinces in Indonesia in the period 2019 to 2023. This study uses the panel data linear regression analysis method with the E-views application to process data. The dependent variable used is Gross Regional Domestic Product (GRDP), while the independent variables include debit card usage, credit card usage and Bank Indonesia Real Time Gross Settlement (BI-RTGS) transactions. The results showed that debit card usage, credit card usage and BI-RTGS significan

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Bakšys, Donatas, and Leonidas Sakalauskas. "SIMULATION OF AUTOMATED REAL‐TIME GROSS INTERBANK SETTLEMENT." Technological and Economic Development of Economy 15, no. 1 (2009): 123–35. http://dx.doi.org/10.3846/1392-8619.2009.15.123-135.

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The aim of this paper is to analyze algorithms for the automated real‐time gross inter‐bank settlement (RTGS). One can change the efficiency of settlement systems by perfecting the processing of settlements and/or implementing rules for solving the gridlocks, or by applying the tools of refinancing and reservation. We focus on the settlement simulation of the Trans‐European Automated Real‐time Gross Settlement Express Transfer system (TARGET2). The system of modelling, simulation, and optimization of settlements (Bakšys and Sakalauskas 2007b) is applied in the simulation of TARGET2, estimating

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Dr., Jayashree Beerappa. "Migration of Paper Based Funds Movement to Electronic Funds Transfers." International Journal of Advance and Applied Research 4, no. 20 (2023): 151–56. https://doi.org/10.5281/zenodo.8036362.

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Payment systems in India have a chequered history with the earliest system being coin based which dates back to many centuries. Paper based systems entered the fray with the loan deeds (or hund is as commonly referred to), which were complemented in the eighteenth century by paper based currency. With banking becoming a dominant economic facilitator in the mid nineteenth century, cheques also came into the scene. The passage of the Negotiable Instruments (NI) Act, 1881 paved the way for large scale usage of cheques in the country. Recent initiatives by the Reserve Bank - in the form of providi

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Mithila, G., and K. Lingesiya. "Impact of Non-Cash Payments on the Economic Growth of Sri Lanka." International Journal of Contemporary Business Research 3, no. 2 (2025): 1–23. https://doi.org/10.4038/ijcbr.v3i2.11.

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There has been extensive discourse on the topic of cashless payments, and their global adoption has witnessed exponential growth in recent years. Cash transactions pose certain challenges, notably the impracticality of managing physical currency and the restricted accessibility of financial institutions to withdraw cash. Multiple research studies have affirmed the positive influence of cashless payments on economic growth, thus highlighting their crucial significance. The present study aims to examine the effects of cashless payments on the economy of Sri Lanka. In particular, the investigatio

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Lubis, Alexander, Constantinos Alexiou, and Joseph G. Nellis. "Gauging the Impact of Payment System Innovations on Financial Intermediation: Novel Empirical Evidence from Indonesia." Journal of Emerging Market Finance 18, no. 3 (2019): 290–338. http://dx.doi.org/10.1177/0972652719846312.

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In this article, the relationship between innovations in the payment systems and financial intermediation is explored. By focusing on excess reserves and currency demand we provide evidence on the extant transmission mechanism. In this direction, a generalised method of moments (GMM) and vector error correction model (VECM) techniques are applied to a data set collated for Indonesia. We find that financial intermediation is affected by currency demand while we observe a limited role of excess reserves affecting financial intermediation. Credit card payments are found to have a statistically si

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Vani, Hiral, and Reetika Agarwal. "The Evolution of Digital Payments in Rural India: An Insight into Challenges and Opportunities." Journal of Economic Studies and Financial Research 6, no. 1 (2025): 16–22. https://doi.org/10.46610/jesfr.2025.v06i01.002.

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Digitization is the need of an hour. Digital payment has been a word of mouth for every citizen in India since the invention of UPI. Other digital payment modes include Internet banking, mobile banking, Aadhar Enabled Payment Systems (AEPS), National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), Electronic Clearing Service (ECS), Immediate Payment Service (IPS), E Wallet, etc. The adoption of digital payment in India is increasing. Post pandemic and demonetization, the use of digital payment has outperformed expectations. However, the rural areas faced many challenges lik

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Lawack, Vivienne. "Case Notes: An Exploratory Analysis of Central Bank Digital Currencies — Some Considerations." South African Mercantile Law Journal 34, no. 1 (2022): 118–34. http://dx.doi.org/10.47348/samlj/v34/i1a5.

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The history of central banking began with payment services. Ever since then, payment-related innovation has always been an integral part of central banking (BIS Committee on Payments and Market Infrastructures and Markets Committee Report, ‘Central Bank Digital Currencies’ (2018) iii). Payments have evolved extensively over the years with the emergence of various technologies, from the development of real-time gross settlement (‘RTGS’) systems, to electronic money and mobile money, to name a few. The arrival of financial technologies or ‘fintech’ has led to cryptocurrencies and now central ban

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Muhamad Halik, Akhmad Nur Zaroni, and Dedy Mainata. "INTERMEDIATION OF ISLAMIC COMMERCIAL BANKS IN REAL TIME GROSS SETTLEMENT TRANSACTIONS OF ISLAMIC BANKING IN INDONESIA." Journal of Management and Islamic Finance 2, no. 1 (2022): 105–18. http://dx.doi.org/10.22515/jmif.v2i1.5183.

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BI-RTGS is transferring funds with an essential function in the payment system and third-party funds as a factor to meet the current account balance which is a condition for BI-RTGS transactions. Bank financing is considered to be able to affect the number of BI-RTGS transactions. This research used 14 Islamic commercial banks registered as BI-RTGS participants. The results show that Islamic Commercial Bank Third Party Funds have a partial effect on the nominal amount of BI-RTGS transactions. Islamic Commercial Bank Financing has a partial effect on the nominal amount of BI-RTGS transactions.

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Rustandi, Bambang, and Fitriani Fadilah. "PEMANFAATAN SISTEM INFORMASI AKUNTANSI DALAM MENUNJANG PENGENDALIAN INTERN TRANSAKSI REAL TIME GROSS SETTLEMENT PADA BANK INDONESIA BANDUNG." Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) 1, no. 1 (2016): 57. http://dx.doi.org/10.32897/jsikap.v1i1.48.

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Real Time Gross Settlement (RTGS) merupakan produk jasa perbankan berupa transfer antar bank peserta, antar nasabah peserta dan pihak lainnya secara cepat, aman dan efisien yang mebberikan kepastian. Kajian ini disusun untuk memperoleh informasi Apakah sistem Informasi Akuntansi yang diterapkan Bank Indonesia Bandung sudah mampu memberikan Pengendalian Inten yang cukup dalam mengelola RTGS. Hasil kajian menunjukkan bahwa sistem informasi akuntansi berbasis komputer telah mampu menunjang pengendalian intern transaksi RTGS, telah mencapai hasil yang diinginkan. Hal ini terbukti dari hasil perhit

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Rustandi, Bambang, and Fitriani Fadilah. "PEMANFAATAN SISTEM INFORMASI AKUNTANSI DALAM MENUNJANG PENGENDALIAN INTERN TRANSAKSI REAL TIME GROSS SETTLEMENT PADA BANK INDONESIA BANDUNG." Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) 1, no. 1 (2016): 57. http://dx.doi.org/10.32897/sikap.v1i1.48.

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Real Time Gross Settlement (RTGS) merupakan produk jasa perbankan berupa transfer antar bank peserta, antar nasabah peserta dan pihak lainnya secara cepat, aman dan efisien yang mebberikan kepastian. Kajian ini disusun untuk memperoleh informasi Apakah sistem Informasi Akuntansi yang diterapkan Bank Indonesia Bandung sudah mampu memberikan Pengendalian Inten yang cukup dalam mengelola RTGS. Hasil kajian menunjukkan bahwa sistem informasi akuntansi berbasis komputer telah mampu menunjang pengendalian intern transaksi RTGS, telah mencapai hasil yang diinginkan. Hal ini terbukti dari hasil perhit

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Sitepu, Aldi Anugerah, Bertho Tantular, Gumgum Darmawan, Resa Septiani Pontoh, and Defi Yusti Faidah. "PEMODELAN PRODUK DOMESTIK BRUTO (PDB) DENGAN PENDEKATAN VECTOR ERROR CORRECTION MODEL (VECM)." PRIMER : Jurnal Ilmiah Multidisiplin 1, no. 2 (2023): 60–71. http://dx.doi.org/10.55681/primer.v1i2.50.

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Produk Domestik Bruto (PDB) memiliki peran yang sangat penting dalam untuk mengerti kondisi perekonomian negara. Penelitian ini bertujuan untuk memodelkan variabel PDB dengan mempertimbangkan variabel RTGS (Real Time Gross Settlement). Akan tetapi, data yang digunakan dalam penelitian ini tidak memenuhi asumsi stasioner. Metode yang digunakan pada penelitian ini adalah Vector Error Correction Model (VECM) yang merupakan salah satu model multivariat runtun waktu yang merupakan bentuk Vektor Autoregresive terestriksi dengan data yang tidak stasioner namun kombinasi liniernya memiliki kointegrasi

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Dwi, Rosmawati. "Measuring Quality of Service for Real Time Gross Settlement (RTGS) gen 2 Application by Telkomsigma using SERVQUAL." ACMIT Proceedings 3, no. 1 (2019): 30–37. http://dx.doi.org/10.33555/acmit.v3i1.24.

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A service based company has to realize that quality of service and customer satisfaction is a major aspect of the continuity of company’s business. It is important for a service company to maintain the satisfaction of their customer. To measure quality service of company like Telkomsigma as one of service based company, we use SERVQUAL. SERVQUAL as an effective and proven approach use to analyze the gaps between customer expectations with the perceptions that indicate the customer satisfaction of Telkomsigma’s services especially in Real Time Gross Settlement (RTGS) gen 2. From the research an

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Rahman, Lina Aulia, and Nur Fatwa. "Analisis Transaksi Perbankan Syariah Melalui Sistem Bank Indonesia–Real Time Gross Settlement (Sistem BI-RTGS) Terhadap Pertumbuhan Ekonomi: Generalized Method Of Moment." Ranah Research : Journal of Multidisciplinary Research and Development 6, no. 4 (2024): 458–75. http://dx.doi.org/10.38035/rrj.v6i4.838.

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Transaksi Perbankan Syariah yang dilakukan melalui Sistem Pembayaran Bank Indonesia antara lain Sistem Bank Indonesia–Real Time Gross Settlement (Sistem BI-RTGS) dapat memainkan peran kunci dalam pembiayaan ekonomi yang diperlukan untuk mencapai tujuan pertumbuhan ekonomi yang lebih baik dan Tujuan Pembangunan Berkelanjutan. Penelitian ini bertujuan untuk menguji dan menganalisis respon pengaruh dari transaksi Bank Syariah melalui Sistem BI-RTGS terhadap Pertumbuhan Ekonomi. Menggunakan data sekunder Bank Indonesia dari dari Tahun 2016 hingga Tahun 2022, kami mengeksplorasi faktor yang mempeng

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WICAKSONO, FANY ABIZAR, and SYAMSUL HUDA. "ANALISIS PENGARUH ALAT PEMBAYARAN MENGGUNAKAN KARTU (APMK), INSTRUMEN UANG ELEKTRONIK, BANK INDONESIA-REAL TIME GROSS SETTLEMENT (BI-RTGS) TERHADAP JUMLAH UANG BEREDAR." Jambura Economic Education Journal 5, no. 1 (2022): 11–21. http://dx.doi.org/10.37479/jeej.v5i1.14197.

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Teknologi finansial saat ini berkembang pesat, inovasi-inovasi pada sistem pembayaran semakin efisien yang dulunya dari sistem pembayaran tunai hingga sistem pembayaran berbasis elektronik. Tujuan penelitian ini untuk mengetahui pengaruh dari APMK (kartu kredit dan kartu ATM/debit), instrument uang elektronik, dan sistem BI-RTGS terhadap jumlah uang beredar M1 di Indonesia. Penelitian menggunakan data sekunder yang bersumber dari Bank Indonesia, Badan Pusat Statistik, dan Kementrian Perdagangan. Data yang digunakan yaitu data time series tahunan dari tahun 2012 sampai dengan tahun 2021. Teknik

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Bhadra, Subhajit, Saba Naaz, and Dr. Raktim Ghosh. "The E-Payment Trajectory during the Pandemic – The Case of India." Management Journal for Advanced Research 3, no. 1 (2023): 21–25. http://dx.doi.org/10.54741/mjar.3.1.4.

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This study empirically investigates how the different e-payment methods performed during the pandemic as an alternative medium to the traditional mode of payment. E-payment methods namely Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT), Aadhaar Enabled Payment System (AEPS), Unified Payments Interface (UPI), and Immediate Payment Service (IMPS) are considered from June 1, 2020, to November 30, 2021, when the global pandemic was at its peak. Secondary daily data are considered in this study collected from the RBI database which was converted into corresponding log na

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Iskandar, Iskandar. "KETERLAMBATAN PELIMPAHAN PENERIMAAN NEGARA PADA SISTEM TREASURY SINGLE ACCOUNT (TSA): ANALISIS TEKNIS DAN YURIDIS." JURNAL MANAJEMEN KEUANGAN PUBLIK 1, no. 1 (2017): 1–9. http://dx.doi.org/10.31092/jmkp.v1i1.23.

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Kiriman Uang Pelimpahan Penerimaan Negara dari Rekening Penerimaan pada Bank Persepsi ke Subrekening Kas Umum Negara pada Bank Indonesia (Sub RKUN BI) merupakan salah satu aktivitas dalam penerapan Treasury Single Account (TSA) dalam bidang penerimaan negara. Keterlambatan pelimpahan, termasuk transaksi outstanding yang berakibat pada denda keterlambatan menjadi issue yang dipermasalahkan Bank/Pos Persepsi kepada otoritas pengelola penerimaan negara dan kas negara. Paper ini menganalisis keterlambatan pelimpahan penerimaan negara ke Sub RKUN BI melalui BI-RTGS tersebut, baik dari aspek teknis

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Dassios, Angelos, and Junyi Zhang. "Parisian Time of Reflected Brownian Motion with Drift on Rays and Its Application in Banking." Risks 8, no. 4 (2020): 127. http://dx.doi.org/10.3390/risks8040127.

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In this paper, we study the Parisian time of a reflected Brownian motion with drift on a finite collection of rays. We derive the Laplace transform of the Parisian time using a recursive method, and provide an exact simulation algorithm to sample from the distribution of the Parisian time. The paper was motivated by the settlement delay in the real-time gross settlement (RTGS) system. Both the central bank and the participating banks in the system are concerned about the liquidity risk, and are interested in the first time that the duration of settlement delay exceeds a predefined limit. We re

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Nathiya, T., and K. Janaki Priya. "Analysis of Electronic Banking and Information Technology using the TOPSIS Method." REST Journal on Banking, Accounting and Business 2, no. 2 (2023): 32–41. http://dx.doi.org/10.46632/jbab/2/2/4.

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Electronic banking, sometimes referred to as electronic transfer of funds (EFT), is the process of moving money electronically from one account to another. A 2015 Treasury Department poll found that 22% of mobile telephone owners conduct banking transactions online or over the phone as opposed to in person. They accomplish this via computer technology, telecommunications, and mobile payments. Automatic bill and paycheck deductions, computerized money transfers for online spending, and payment machines (ATMs) are some of its features. In the banking sector, information technology refers to the

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Aparna Thakur. "Cognitive Automation in T2 RTGS Testing: Reducing Integration Risks Across 53+ Interfaces." World Journal of Advanced Engineering Technology and Sciences 15, no. 1 (2025): 1553–62. https://doi.org/10.30574/wjaets.2025.15.1.0378.

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Testing large-scale systems like T2 RTGS, which integrates numerous interfaces for end-to-end payment flows, requires robust automation to reduce complexity and risks. This article explores the application of cognitive automation techniques, combining genetic algorithms and computer vision, to transform traditional quality assurance workflows in financial infrastructure testing. Genetic algorithms are utilized to optimize test case prioritization, focusing resources on high-risk integration points and enabling faster validation cycles. For monitoring SWIFT message queues in Opics and FX system

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S, Chandrasekaran, and Mohan M. "The Role of Electronic Banking Services in Indian Banking Sector." Shanlax International Journal of Commerce 7, S1 (2019): 95–98. https://doi.org/10.5281/zenodo.2552222.

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The banking sector in India has realized a some changes. And to meet the challenges of changing needs and perceptions of customers, new regulations over the years and countless advances in technologies, most of the banks have introduced to take an innovative approach towards banking with the objective of generating more value for customers in the banks. Today we have electronic payment system laterally with currency notes. India’s financial sector is moving towards a scenario, where it can have new instruments along with liquidity and safety. The arrival of the card,

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Mohamud, Hussein Hillowle, and Fredrick Warui. "Innovative Banking Practices and Financial Performance of Commercial Banks in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 3, no. 1 (2021): 41–53. http://dx.doi.org/10.35942/ijcfa.v3i1.180.

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Commercial banks serve as key financial intermediaries in facilitation of the flow of money in the banking industry. Commercial banks offer credit to investment banks in order to offer investment opportunities for risky investments especially for financial securities using depositors’ money. Globally, banks are affected by broad difficulties in the operating environment. The banking industry has embraced innovation to sustain competitiveness. Financial innovations used by commercial banks revolve around the latest product, service and its conveyance to consumers. Consequently, this information

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Vishwam, Dr Siddhartha S. "Impact of Digitization and Digital Banking System in Development of Souharda Co-Operative Banks in Karnataka." International Journal for Research in Applied Science and Engineering Technology 13, no. 3 (2025): 3422–26. https://doi.org/10.22214/ijraset.2025.68091.

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This present study focuses on the impact of digitization and digital banking system in development of SCBs in Karnataka. Digitization is the process of converting data into digital format. Digitalization means the adoption of technology. Digitalization affects everything to solve the problem by going cashless and increases the efficiency of new and existing customers. The digital technologies have achieved very rapid adaptation in a very short period. It is fully digitalized from day one, and it is providing all the needs of the customers efficiently. As the banks are digitalized the gap betwe

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Kulipanov, Vladimir. "The Gridlock-Proof Functionality in Real Time Gross Settlement Systems." International Journal of Business and Economics Research 9, no. 2 (2020): 83. http://dx.doi.org/10.11648/j.ijber.20200902.15.

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R., Venkatesh, and Sangeetha D. "CUSTOMERS' PERCEPTION TOWARDS NEFT AND RTGS SERVICES – A STUDY ON INDIAN BANKING INDUSTRY." International Journal of Advanced Trends in Engineering and Technology 2, no. 2 (2017): 91–103. https://doi.org/10.5281/zenodo.913468.

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The main advantage of a cashless society is that a record of all economic transactions through electronic means makes it almost impossible to sustain black market or underground economies that often prove damaging to national economies. However cash is the preferred mode of payment for those sections of society no having access to formal payment system. A slow transformation has taken place in the various sectors of society migrating financial transaction (receipts and payments) to electronic mode. This transformation will undoubtedly continue because of the universal concept of computerizatio

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Gowripeddi Hari kumar and N Ramanjaneyulu. "Recent innovations in indian banking sector." Journal of Management and Science 12, no. 1 (2022): 1–7. http://dx.doi.org/10.26524/jms.12.1.

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The banking sector plays asignificant role in the development of a country's economy. The development of the banking sector depends on the services they provide to customers from different angles. New competitors into the market, new business models, changing customer expectations and the breakdown of traditional services are all pushing traditional banks to launch new technology in their operations. The revolution in the banking sector led to the introduction of Automated Teller Machines (ATM’s), Cash Deposit Machines (CDM), Debit cards and Credit cards, Cheque Truncation System (CTS), NEFT (

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Furfine, Craig H., and Jeff Stehm. "Analyzing Alternative Intraday Credit Policies in Real-Time Gross Settlement Systems." Journal of Money, Credit and Banking 30, no. 4 (1998): 832. http://dx.doi.org/10.2307/2601131.

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Furfine, Craig H., and Jeff Stehm. "Analyzing Alternative Intraday Credit Policies in Real-Time Gross Settlement Systems." Finance and Economics Discussion Series 1997, no. 40 (1997): 1–25. http://dx.doi.org/10.17016/feds.1997.40.

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Raghavendra, Vijith, and Pundikala Veeresha. "Analysing the market for digital payments in India using the predator-prey mode." An International Journal of Optimization and Control: Theories & Applications (IJOCTA) 13, no. 1 (2023): 104–15. http://dx.doi.org/10.11121/ijocta.2023.1306.

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Technology has revolutionized the way transactions are carried out in economies across the world. India too has witnessed the introduction of numerous modes of electronic payment in the past couple of decades, including e-banking services, National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS) and most recently the Unified Payments Interface (UPI). While other payment mechanisms have witnessed a gradual and consistent increase in the volume of transactions, UPI has witnessed an exponential increase in usage and is almost on par with pre-existing technologies in the volume

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D, Andrews Scott. "A Study on Perception of Customers towards Modern Banking Services of Public Sector Banks with Special Reference to Kanyakumari District." Shanlax International Journal of Commerce, 7, S3 (2019): 49–55. https://doi.org/10.5281/zenodo.2572419.

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The present study is confined within a precise modern banking services which have been mostly used by the customers i.e. Automatic Teller Machine (ATM), Tele Banking, Internet Banking, Mobile Banking, Credit card, Debit card, Electronic Clearing Service (ECS), National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), Cheque Truncation System (CTS), Dematerialisation. The research is based on data collected from customers of select public sector banks in Kanyakumari district. Other aspects of bank and banking services are not considered in t

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van Ark, Tim, and Ronald Heijmans. "Granularity, a blessing in disguise: transaction cycles within real-time gross settlement systems." Journal of Financial Market Infrastructures 5, no. 2 (2016): 29–52. http://dx.doi.org/10.21314/jfmi.2016.071.

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Bidabad, Bijan, and Mahmoud Allahyarifard. "It-Based Usury Free Financial Innovations." American Finance & Banking Review 4, no. 1 (2019): 39–49. http://dx.doi.org/10.46281/amfbr.v4i1.289.

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Despite development and extension of different ways of financing in financial markets, encompassing Islamic and conventional financing, the mechanism of Electronic Funds Transfer (EFT) of project financing both as borrowed and non-borrowed methods has not been considered at most. Moreover overall IT infrastructures development namely Real Gross Settlement System (RTGS), Automatic Clearing House (ACH), Scriptless Security Settlement System (SSSS) and International Bank Account Number (IBAN) for authentication process and the international meta bank network of Single Euro Payment Area (SEPA) and

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Grover, Eric. "Why government should encourage and defer to, rather than compete with, private sector payment systems." Journal of Payments Strategy & Systems 18, no. 3 (2024): 282. http://dx.doi.org/10.69554/rhjz3831.

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The paper discusses the huge and rarely acknowledged, much less addressed, issue of government payment systems competing with private sector payment systems that serve consumers, businesses and banks. This paper’s discussion of government payment systems, however, does not include central banks’ real-time gross settlement systems. It discusses a range of public and private sector payment systems, payment-network innovation, accountability and value, why governments develop and run payment systems, and why they should not.

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Singh Rao, Harshita. "CYBER CRIME IN BANKING SECTOR." International Journal of Research -GRANTHAALAYAH 7, no. 1 (2019): 148–61. http://dx.doi.org/10.29121/granthaalayah.v7.i1.2019.1043.

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With the headways in innovation, the Indian Managing an account Division has been at standard with the developing patterns and critical changes required in its tasks. The call for development has given this unit monstrous chances and therefore, banks are currently among the greatest recipients of the IT Insurgency. The multiplication in online exchanges mounting on advancements like NEFT (National Electronic Store Exchange), RTGS (Constant Gross Settlement) , ECS ( Electronic Clearing Administration) and portable exchanges is a look at the profound established innovation in saving money and bu

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Bhat, Vidya, and Dr Srinivas K.T. "Role of Technology in Driving Financial Inclusion in Indian Banking Sector." International Journal of Scientific Research and Management 10, no. 06 (2022): 3633–40. http://dx.doi.org/10.18535/ijsrm/v10i6.em07.

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Digitalization is a new buzz world today. Over the past few years, India has been witnessing an extraordinary level of digitization and digital disruption, which has completely transformed the way in which public services are delivered. Technology has become a prominent theme which is driving inclusion across the financial services, education and healthcare ecosystem for all the citizens of India. As a result of the powerful JAM trinity of Jan Dhan Bank Accounts, the biometric Aadhar Card and hundreds of millions of mobile phones, financial inclusion has become a reality for the citizens of In

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Harshita, Singh Rao. "CYBER CRIME IN BANKING SECTOR." International Journal of Research - Granthaalayah 7, no. 1 (2019): 148–61. https://doi.org/10.5281/zenodo.2550185.

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With the headways in innovation, the Indian Managing an account Division has been at standard with the developing patterns and critical changes required in its tasks. The call for development has given this unit monstrous chances and therefore, banks are currently among the greatest recipients of the IT Insurgency. The multiplication in online exchanges mounting on advancements like NEFT (National Electronic Store Exchange), RTGS (Constant Gross Settlement) , ECS ( Electronic Clearing Administration) and portable exchanges is a look at the profound established innovation in saving money and bu

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Bascur, Osvaldo A., and Roberto Linares. "Grade recovery optimization using data unification and real time gross error detection." Minerals Engineering 19, no. 6-8 (2006): 696–702. http://dx.doi.org/10.1016/j.mineng.2005.09.020.

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Liu, Rongrong, Florent Nageotte, Philippe Zanne, Michel de Mathelin, and Birgitta Dresp-Langley. "Wearable Wireless Biosensors for Spatiotemporal Grip Force Profiling in Real Time." Engineering Proceedings 2, no. 1 (2020): 45. http://dx.doi.org/10.3390/ecsa-7-08252.

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The temporal evolution of individual grip force profiles of a novice using a robotic system for minimally invasive endoscopic surgery is analyzed on the basis of thousands of individual sensor data recorded in real time through a wearable wireless sensor glove system. The spatio-temporal grip force profiles from specific sensor locations in the dominant hand performing a four-step pick-and-drop simulator task reveal skill-relevant differences in force deployment by the small finger (fine grip force control) and the middle finger (gross grip force contribution) by comparison with the profiles o

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Joglekar, Prof Dr Pushkar, Vedant Parvekar, Aditya Sabde, Omkar Rasal, and Yogesh Rasal. "Blockchain Based Transaction Management System." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (2023): 1514–18. http://dx.doi.org/10.22214/ijraset.2023.50029.

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Abstract: The technology that supports bitcoin, known as blockchain, is still in its development. Blockchain technology has the potential to improve existing corporate procedures to make them more collaborative, transparent, secure, and effective.. The banking sector is among the first to take advantage of this technology's disruptive potential. One of the most intricate bank payment systems in the entire globe is the Indian banking system. The current infrastructure that the Indian banking system uses is centralized and based on the real-time gross settlement system. This centralized architec

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Tretyakov, Evgeniy Alexandrovich, and Egor Gennadyevich Avdienko. "Determination of train parameters on route according to data from on-board measurement systems on freight electric locomotives." Transport of the Urals, no. 2 (2022): 97–102. http://dx.doi.org/10.20291/1815-9400-2022-2-97-102.

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The paper suggests an approach to determination of actual train operation parameters according to data from on-board measurement systems in order to increase efficiency of application of automatic electric motive power operation systems. The authors have analysed scientific works in the sphere of improvement of automatic electric locomotive operation. The paper also presents results of comparison of grade computations in KORTES and real data from on-board measurement systems on 2ES6 electric locomotives that operate on a section of the West-Siberian Railway. As a result, the authors have subst

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Mashabi, M., and Wasiaturrahma Wasiaturrahma. "ELECTRONIC BASED PAYMENT SYSTEMS AND ECONOMIC GROWTH IN INDONESIA." Jurnal Ilmu Ekonomi Terapan 6, no. 1 (2021): 97. http://dx.doi.org/10.20473/jiet.v6i1.26287.

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This research aims to analyze the effect of electronic payment systems based on credit cards, debit cards, and electronic money, as well as macroeconomic variables namely the money supply (M1), price level, and velocity of money towards real gross domestic product as a proxy for economic growth. The estimation carried out in this journal uses the Vector Error Correction Model (VECM) with period time series data of 2010:1-2018:12. The results of the journal show that doing debit card and electronic money-based transactions has a significant positive effect on economic growth in Indonesia in the

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Eberle, Brian F., and Jonathan D. Rogers. "Real-Time Trajectory Generation and Reachability Determination in Autorotative Flare." Journal of the American Helicopter Society 65, no. 3 (2020): 1–17. http://dx.doi.org/10.4050/jahs.65.032008.

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Autorotation maneuvers inherently offer little margin for error in execution and induce high pilot workload, particularly as the aircraft nears the ground in an autorotative flare. Control augmentation systems may potentially reduce pilot workload while simultaneously improving the likelihood of a successful landing by offering the pilot appropriate cues. This paper presents an initial investigation of a real-time trajectory generation scheme for autorotative flare based on time-to-contact theory. The algorithm exhibits deterministic runtime performance and provides a speed trajectory that can

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Goswami, Mononito, Lujie Chen, and Artur Dubrawski. "Discriminating Cognitive Disequilibrium and Flow in Problem Solving: A Semi-Supervised Approach Using Involuntary Dynamic Behavioral Signals." Proceedings of the AAAI Conference on Artificial Intelligence 34, no. 01 (2020): 420–27. http://dx.doi.org/10.1609/aaai.v34i01.5378.

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Problem solving is one of the most important 21st century skills. However, effectively coaching young students in problem solving is challenging because teachers must continuously monitor their cognitive and affective states, and make real-time pedagogical interventions to maximize their learning outcomes. It is an even more challenging task in social environments with limited human coaching resources. To lessen the cognitive load on a teacher and enable affect-sensitive intelligent tutoring, many researchers have investigated automated cognitive and affective detection methods. However, most

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Tong, Mu, and Yi He. "Topology of Complex Networks and Demand of Intraday Liquidity: Based on the Real-Time Gross Settlement System." Central European Economic Journal 2, no. 49 (2018): 50–61. http://dx.doi.org/10.1515/ceej-2017-0010.

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Abstract Based on the payments and settlement system, the influence of the topology of capital flow networks on the extra short-term liquidity demand is investigated. Through modelling the circulating mechanism of liquidity in a network, its different influencing factors are analysed. The factors relating to the strength of nodes and leakage of liquidity that influences the liquidity demands of real-time settlements are studied from the perspective of both the system and members, using different simulation methods. The results show that strength will lead the member’s liquidity demand to incre

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Alnabulsi, Zaynab Hassan, Salah Turki Alrawashdeh, Ahmad Mahmoud Marzouq Abkal, Rafat Salameh Salameh, and Khalid Munther Lutfi. "Measuring the impact of renewable energy consumption on economic growth in Jordan during the period 1990-2020." Uncertain Supply Chain Management 11, no. 2 (2023): 565–72. http://dx.doi.org/10.5267/j.uscm.2023.2.008.

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The study aimed to analyze and measure the impact of renewable energy consumption on economic growth in Jordan during the period 1990-2020 using time series analysis; the study tests the stationarity of the time series using the ARDL model. The results show a positive and significant effect of each, renewable energy consumption, gross fixed capital formation, carbon dioxide emissions, and total population, on the real gross domestic product (GDP). The study recommends the importance of government agencies adopting specialized programs in reducing emissions with stakeholders' participation. To

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Zhukov, Roman, Gennady Kuznetsov, Evgeny Manokhin, Sergey Gorodnichev, and Maria Plinskaya. "Balanced Functioning of Socio-Economic Systems: Regional Perspective." Journal of Law and Sustainable Development 11, no. 12 (2023): e1922. http://dx.doi.org/10.55908/sdgs.v11i12.1922.

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Objective: This article presents a methodology to assess the balanced functioning of socio-economic systems (SES), focusing on Russia's Central Federal District regions. The aim is to develop a framework for evaluating SES balance, identifying potential imbalances, and understanding their causes. Methods: The methodology involves constructing models to analyze the relationship between Gross Domestic Product (GDP) and influencing factors in these regions, using data from two time periods (2007-2020 and 2007-2018) to track changes in model parameters. The study introduces the "coefficient of har

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Ahdi, Haider Salah M., Abdul Jassim A. Bbas, and Mohammad Saad Talib. "The Impact of Electronic Payment Systems on Banking Sector Liquidity in Iraq (2010–2022)." Journal of Management World 2025, no. 2 (2025): 676–82. https://doi.org/10.53935/jomw.v2024i4.1022.

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The study analyzes the transforming effects of electronic payment systems (EPS) on liquidity indicators in the Iraq banking sector since 2010 and 2022. This article uses advanced financial approaches to check important systems such as Real -Time Gross Settlement System (RTG), automatically. Taylor Machine (ATM) and electronic clearing mechanisms have changed the dynamics of liquidity. Despite the existing systemic structural difficulties, the data shows a high collaboration between the use of these methods and improvement of liquidity measures. The study emphasizes the increasing use of digita

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,, Agustina, and Rinaldi Rustam. "Analysis of the Impact of Electronic Money Usage as a Payment Tool on Economic Growth." Dinasti International Journal of Economics, Finance & Accounting 5, no. 6 (2025): 6220–36. https://doi.org/10.38035/dijefa.v5i6.3617.

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This research is conducted for the journal with the aim of analyzing the effects of electronic payment systems based on credit cards, debit cards, and electronic money, as well as macroeconomic variables such as the money supply (M1), price levels, and exchange rates on real gross domestic product (GDP) as a proxy for economic growth. The estimations in this journal use the Vector Error Correction Model (VECM) with monthly time series data for the period from 2012 to 2023. The results indicate that transactions using debit cards and electronic money have a significant positive effect on econom

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