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Journal articles on the topic 'Risk management of payment systems of banks'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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

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

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HU SHENGHUA, LIU CHAOGUANG, LIU JING, and SHI CHAOMING. "Credit Risk Management Practices and Financial Performance of Selected Rural Commercial Banks in China." Journal of Business and Management Studies 6, no. 4 (2024): 213–38. http://dx.doi.org/10.32996/jbms.2024.6.4.18.

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The researcher investigated the effect of credit risk management practices on the financial performance of rural banks. The researcher examined the suitable credit risk environment, credit giving procedures, credit administration, monitoring, and control, and evaluated the substantial influence of these practices on the banks' financial performance. Further, the researcher drew conclusions based on the study findings to which rural Banks has a comprehensive written credit risk management policy in place, and the board of directors is responsible for its execution. To ensure financial stability

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USYK, Vladislavа, and Serhii VOITKO. "Risk management related to the use of payment systems." Economics. Finances. Law, no. 7/1 (July 30, 2021): 30–35. http://dx.doi.org/10.37634/efp.2021.7(1).6.

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Payment system is a complex system of managing funds transfers and settlements between economic entities, which ensures the rational implementation of the basic functions, uninterrupted financing of activities using the latest methods and payment instruments used to reduce cash flow and ensure the effectiveness of monetary, monetary policy countries. In the course of its functioning, the payment system, like any economic system, can be exposed to the risks of its professional activity. Characteristic risks of the payment system are credit risk, liquidity risk, currency risk, operational, legal

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OLIINYK, ANDRIY. "ASSESSMENT OF FINANCIAL AND ECONOMIC OBJECTIVES OF CREDIT RISK MANAGEMENT IN THE BANKING SYSTEM OF UKRAINE." HERALD OF KHMELNYTSKYI NATIONAL UNIVERSITY 300, no. 6 Part 2 (2021): 54–61. http://dx.doi.org/10.31891/2307-5740-2021-300-6/2-9.

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In the current conditions of implementation and development of banking, bankers are paying more and more attention to the definition, assessment and measures to reduce the operational risk of the bank. Examples of this type of risk are personnel fraud, information system failures, and specific software failures that can result in significant losses and losses. In order to adequately protect against such risk, the bank must generate capital adequate to cover losses from the bank’s operational risk. The lack of systemic among the manifestations of the bank’s operational risk complicates the proc

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Das, Rituparna. "Are the Payments System and e-Banking in India Safer than in other SAARC Members?" International Journal of Information Security and Privacy 10, no. 2 (2016): 11–25. http://dx.doi.org/10.4018/ijisp.2016040102.

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This paper deals with the issues in the way the banks are managing risks in payments and settlement systems using netbanking within the legal frame of information technology in India compared to other SAARC members. It compared India with the SAARC members with respect to management of credit risk, liquidity risk and operational risk in the payment system. The findings are: (i) India, Pakistan and Nepal are stronger in managing all of aforesaid risks in their payments systems relative to the rest and (ii) India is the most permissive by nature as to the crime of computer hacking.

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Arunkumar, Paramasivan. "Enhancing Customer Trust in Card Payments: AI-Based Risk Management Models." International Journal of Leading Research Publication 5, no. 10 (2024): 1–11. https://doi.org/10.5281/zenodo.14551569.

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The rapidly evolving digital transactions, enhancing customer trust in card payments has become paramount.This article explores how artificial intelligence (AI) is reshaping risk management in card payments, fostering security and customer confidence through real-time fraud detection, predictive analytics, and regulatory compliance. AI-based models harness the power of machine learning algorithms to identify suspicious patterns, mitigate risks, and dynamically adapt to emerging security threats. This proactive approach to fraud prevention not only minimizes financial losses but also strengthen

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Hatim Kagalwala. "AI-Powered FinTech: Revolutionizing Digital Banking and Payment Systems." Journal of Information Systems Engineering and Management 10, no. 33s (2025): 258–65. https://doi.org/10.52783/jisem.v10i33s.5475.

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The convergence of Artificial Intelligence (AI) and Financial Technology (FinTech) is profoundly transforming the landscape of digital banking and payment systems. This paper explores how AI-powered innovations are reshaping financial services by enhancing operational efficiency, improving customer experiences, and strengthening risk management mechanisms. The study delves into the core AI technologies driving this transformation, including machine learning algorithms, natural language processing, computer vision, and robotic process automation. These technologies are enabling banks and financ

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Shifa Fathima, J. "Challenge Management of Banking Services – with Special Reference to Virtual Banking Service Challenges." Shanlax International Journal of Management 7, no. 3 (2020): 57–66. http://dx.doi.org/10.34293/management.v7i3.1620.

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The Indian Banking industry is seeing an exceptional challenge. To remain ahead, banks are thinking of plenty of services to draw customers. Services including 24-hours banking, Service at entryway step, Telephone banking, Internet banking, Extended Business Hours (EBH), Speedy handling are just a couple to mention. The larger piece of the present bank transactions happens elsewhere other than in-branch premises. This shows the growth of “virtual” banks in India. With accommodation, speed, productivity, and adequacy, these virtual banks, as a result, have opened up another universe of conceiva

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9

Chaveesuk, Singha, Bilal Khalid, and Wornchanok Chaiyasoonthorn. "Digital payment system innovations: A marketing perspective on intention and actual use in the retail sector." Innovative Marketing 17, no. 3 (2021): 109–23. http://dx.doi.org/10.21511/im.17(3).2021.09.

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This study empirically investigated the marketing perspectives of behavioral intention and the actual use of digital payment solutions as electronic innovation for retail purchases in Thailand. This is important as leveraging digital innovation can be applied to minimize physical contact between retailers and customers, especially in the COVID-19 era. The UTAUT model was used and extended to include attitude, social distancing, and perceived risk variables. The study was conducted using primary data collected from 467 Thai respondents who used digital payment systems as a means of payment in r

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Grechka, Vladislav, Vyacheslav Ostrovsky, and Mykhailo Bilyi. "Development of the financial security system of banking institutions in the conditions of digitization." Scientific bulletin of Polissia, no. 2 (29) (March 6, 2025): 461–78. https://doi.org/10.25140/2410-9576-2024-2(29)-461-478.

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The article presents a review of the category of “financial security of banking institutions” at the macro and micro levels. At the macro level, the financial security of banking institutions depends on: the stability of economic development, the effectiveness of regulation and supervision of the NBU and other regulatory bodies, the state of the financial system and external factors. At the micro level, the financial security of banking institutions depends on: indicators of the bank’s financial stability, an effective risk management system, professional corporate governance, characterized by

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Sergey, Voitko, and Vladislava Usyk. "Methodical Approaches to the Organization of Risk Management System for the Use of Electronic Payment Systems in Modern Conditions." WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT 17 (October 6, 2021): 1064–75. http://dx.doi.org/10.37394/232015.2021.17.99.

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The aim of the study is the formation of scientific and methodological aspects of the organization of the enterprise risk management system in modern conditions. Achievement of this goal is ensured by the use of tools of economic and mathematical modeling and parametric forecasting of financial indicators, taking into account risk factors. Functioning of enterprises in the minds of enhancing volatility and insignificance is unwise without an effective system and risk management. It is grounded, that the activity of the enterprises needs to be examined, as an integral system for reaching the st

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Alemu, Teshome, Tridib Bandyopadhyay, and Solomon Negash. "Electronic Payment Adoption in the Banking Sector of Low-Income Countries." International Journal of Information Systems in the Service Sector 7, no. 4 (2015): 27–47. http://dx.doi.org/10.4018/ijisss.2015100102.

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Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low income countries timely. The authors test context specific applicability of UTAUT (Unified Theory of A

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Hartono, Budi, Suci Nasehati Sunaningsih, and Mumpuni Wahyudiarti Sitoresmi. "Determinants of Attitude and Intention to Use Virtual Credit Cards in Indonesia." Qubahan Academic Journal 5, no. 1 (2025): 334–50. https://doi.org/10.48161/qaj.v5n1a1103.

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Virtual credit cards represent a promising cross-border payment alternative in Indonesia, offering lower costs compared to traditional wire transfers. However, a critical issue remains: ensuring security to protect customers from risks, which is essential for building trust and preventing potential losses. This research aims to examine the effects of key determinants—security, privacy, and reputation of virtual credit card providers—on customer attitudes and intentions. A sample of 126 respondents was surveyed using a 7-point Likert scale questionnaire distributed via social media. Data analys

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14

Dwi Oktavianty, Firda, Inayatussulaimah, and Siti Hardianti. "Gauss's Elimination to Solve Financial Modeling Models in Banks." International Journal of Technology and Modeling 1, no. 3 (2022): 86–91. https://doi.org/10.63876/ijtm.v1i3.105.

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Gauss's elimination is an effective mathematical method for solving linear equation systems and is widely applied in various fields, including financial modeling. This article aims to apply Gauss's elimination method in solving complex financial modeling models in banks, especially in credit portfolio analysis and risk management. This study uses a quantitative approach by applying Gauss's elimination to bank financial data, involving a linear equation system that represents the relationship between risk factors, credit interest, and payment capacity. The results of the analysis show that this

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Gorian, Ella. "The Role of the Financial Regulator of Thailand in Ensuring the Information Security of the Financial and Banking Sector." Национальная безопасность / nota bene, no. 5 (May 2022): 80–90. http://dx.doi.org/10.7256/2454-0668.2022.5.39079.

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The object of the study is the relations arising during the functioning of the national legal mechanism for ensuring cybersecurity. The subject of the study is presented by regulatory legal acts and sources of "soft law" of Thailand, which establish requirements for information systems of the financial and banking sector. Using the example of the second economy in Southeast Asia - Thailand, the role of the financial regulator of the state – the Bank of Thailand (Bank of Thailand, BOT) in ensuring cybersecurity of the financial and banking sectors is described. The features of the legal status

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16

Poliakov, O. P. "Management system of non-bank financial payment service providers: implementation of organizational measures." Analytical and Comparative Jurisprudence, no. 1 (March 1, 2025): 512–15. https://doi.org/10.24144/2788-6018.2025.01.85.

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With the adoption of the Regulation on Requirements for the Management System of a Financial Payment Service Provider for Non-Bank Payment Service Providers, approved by Resolution of the NBU Board № 123 dated October 10, 2024 (hereinafter – the Regulation), the clock has started ticking for non-bank payment service providers to bring their activities in line with the requirements of the said regulatory act. These requirements are complex and relate to all areas of activity: from organizational structure to development of internal regulations, from setting up internal processes to development

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17

Mohamed, Dr Karim F. F. "Towards a More Stable Banking Financial Position COVID-19 Impacts and IFRS 9 Post-Model Practices “Management Overlays”." International Journal of Accounting and Finance Studies 4, no. 1 (2021): p69. http://dx.doi.org/10.22158/ijafs.v4n1p69.

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In the repercussions of the latest worldwide financial crisis that have occurred due to the corona virus reasons (COVID-19); unprecedented stressful economic conditions prevailed, coupled with significant recessionary waves reasoned of the worldwide imposed strict lock downs that have adversely affected most of the economic sectors across the globe. Based on such adverse conditions, and as banks were used to calculate their Expected Credit Losses (ECLs) within the provisioning systems (IFRS 9); the forward looking projections embedded at the banks models fell short to predict the COVID-19 hit,

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18

Bhasin, Narinder Kumar, and Anupama Rajesh. "A Study of Digital Payments." International Journal of Virtual Communities and Social Networking 10, no. 1 (2018): 46–64. http://dx.doi.org/10.4018/ijvcsn.2018010104.

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The challenges and emergence of a global economy and a Digital First World has created financial disruptions in e-commerce and e-business around the globe. The collaborations of banks with Fintech companies have led to digitalization being an important component of their business and marketing strategy. The application of e-banking has been demonstrated as an effective cost reduction, risk management and provides quick services to the customers. Nowadays, e-banking services have already ensured opportunities to reduce expenditures on physical structures. However, in some previous studies it ha

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Kombo, Kevin N., and Dr Amos Njuguna. "MEASURES COMMERCIAL BANKS HAVE TAKEN TO ENSURE COMPLIANCE WITH THE CAPITAL ADEQUACY REQUIREMENT IN BASEL III FRAMEWORK." American Journal of Finance 1, no. 4 (2017): 64. http://dx.doi.org/10.47672/ajf.163.

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Purpose: The purpose of the study was to establish measures commercial banks have taken to ensure compliance with the capital adequacy requirement in Basel III framework.Methodology: A descriptive survey design was applied to a population of 43 commercial banks operating in Kenya. The target population composed of the 159 management staff currently employed at the head offices of the various commercial banks in Kenya. The population was composed of Senior, Middle and Junior or Entry level Management staff. A sample of 30% was selected from within each group. Primary data was gathered using que

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AL-mamoorey, Mouhammed Ali, and Maha Mezher Mohsin Al-Rubaye. "THE ROLE OF ELECTRONIC PAYMENT SYSTEMS IN IRAQ IN REDUCING BANKING RISKS: AN EMPIRICAL RESEARCH ON PRIVATE BANKS." Polish Journal of Management Studies 21, no. 2 (2020): 49–59. http://dx.doi.org/10.17512/pjms.2020.21.2.04.

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21

Faccia, Alessio. "National Payment Switches and the Power of Cognitive Computing against Fintech Fraud." Big Data and Cognitive Computing 7, no. 2 (2023): 76. http://dx.doi.org/10.3390/bdcc7020076.

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National Payment Switches (NPSs) and International Payment Switches (IPSs), including major players such as SWIFT, Mastercard, and CHIPS, have become vital to the financial infrastructure, facilitating secure and efficient transactions among local financial institutions. Nonetheless, the growing adoption of digital payments has heightened the risk of financial fraud. Consequently, NPSs, under the direct ownership of Central Banks (CBs), are increasingly adopting advanced technologies, such as cognitive computing, to bolster their fraud detection capabilities in their respective countries. This

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22

Scott, Denis, and Tim Broyd. "Investigating hosting project bank accounts (PBAs) on the blockchain and its potential value contribution to the UK construction industry." Journal of Information Technology in Construction 29 (December 19, 2024): 935–75. https://doi.org/10.36680/j.itcon.2024.041.

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The UK Government mandated using project bank accounts (PBAs) in public-sector construction projects to reduce the risk of damages caused by contractor insolvencies and cash farming. Cash farming is a strategy contractors exploit to maintain high levels of capital for maximising investments into future work at the detriment of the supply chain enduring withheld payments. This article explores the cash flow problem from the technology perspective, particularly whether the programmability of smart contracts and the general-purpose protocol layer of the blockchain can be leveraged to reduce syste

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Begimkulov, Emil. "Bank digitalization and financial stability in Central Asia: Assessing risk and resilience." Journal of Eastern European and Central Asian Research (JEECAR) 12, no. 1 (2025): 17–30. https://doi.org/10.15549/jeecar.v12i1.2100.

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The digitalization of banking services is transforming financial institutions worldwide; however, its impact on financial stability remains a subject of debate, particularly in emerging economies. This study examines the relationship between bank digitalization and financial stability, focusing on commercial banks in Kazakhstan, Kyrgyzstan, and Uzbekistan from 2013 to 2023. Using a two-step system GMM approach, the findings reveal that bank digitalization significantly enhances financial stability by reducing risk exposure and improving resilience. Key digitalization components, such as electr

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Kachalov, Roman, and Yulia Sleptsova. "Risk Management in Business Ecosystems During Crises." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 2 (August 2022): 146–59. http://dx.doi.org/10.15688/ek.jvolsu.2022.2.12.

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Enterprises, organizations and consumers from various business ecosystems have faced crisis phenomena. The reason for these phenomena is the complete or partial suspension of the activities of international companies on the Russian market and sanctions pressure from foreign states. The purpose of this study is to expand the understanding of risk management in the activities of business ecosystems and enterprises that have joined them during crisis periods. We take into account the similarities and differences between the crisis phenomena associated with the pandemic of the new coronavirus infe

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Nshabire, Javira, David Nyambane, Michael Manyange, and Muniru Sewanyina. "Enhancing Loan Performance through Effective Credit Risk Management: Evidence from Commercial Banks in Uganda." Asian Journal of Economics, Business and Accounting 25, no. 4 (2025): 239–48. https://doi.org/10.9734/ajeba/2025/v25i41745.

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Background and Purpose: Credit risk management is a critical determinant of the stability and performance of commercial banks. Despite its importance, poor lending practices and inadequate risk management have led to the collapse of numerous banks worldwide, including notable cases such as Northern Rock Bank in the UK and Crane Bank in Uganda. This study examines the relationship between credit risk management practices and loan performance, with a focus on identifying gaps and proposing strategies to enhance banking stability. Design/Methodology/Approach: The study adopted a cross-sectional r

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Al-Dmour, Hani, Maram Nweiran, and Rand Al-Dmour. "The Influence of Organizational Culture on E-Commerce Adoption." International Journal of Business and Management 12, no. 9 (2017): 204. http://dx.doi.org/10.5539/ijbm.v12n9p204.

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This study aims to investigate the influence of different organizational cultures on e-commerce adoption in Jordanian commercial banks. The study is of value to banks by helping them to evaluate their readiness to adopt e-commerce through reviewing the type of leadership, risk appetite, innovation and e-commerce activities. As banks are designing and deploying a range of new e-commerce products, the importance of pursuing and conducting business online becomes relevant, as, if they fail to respond to the opportunities, banks could be consigned to a largely secondary role as e-commerce shifts o

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Felix Adebayo Bakare, Jide Omojola, and Augustine Chibuzor Iwuh. "Blockchain and decentralized finance (DEFI): Disrupting traditional banking and financial systems." World Journal of Advanced Research and Reviews 23, no. 3 (2024): 3075–89. http://dx.doi.org/10.30574/wjarr.2024.23.3.2968.

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Blockchain technology and Decentralized Finance (DeFi) are revolutionizing traditional banking and financial systems by eliminating the need for intermediaries, reducing transaction costs, and fostering more inclusive financial services. Unlike centralized systems that rely on trusted third parties such as banks and payment processors, DeFi operates on decentralized networks powered by blockchain technology. This innovation enables peer-to-peer financial transactions, smart contracts, and automated protocols, allowing for secure and transparent exchanges without the need for intermediaries. Th

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Felix, Adebayo Bakare, Omojola Jide, and Chibuzor Iwuh Augustine. "Blockchain and decentralized finance (DEFI): Disrupting traditional banking and financial systems." World Journal of Advanced Research and Reviews 23, no. 3 (2024): 3075–89. https://doi.org/10.5281/zenodo.14993253.

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Blockchain technology and Decentralized Finance (DeFi) are revolutionizing traditional banking and financial systems by eliminating the need for intermediaries, reducing transaction costs, and fostering more inclusive financial services. Unlike centralized systems that rely on trusted third parties such as banks and payment processors, DeFi operates on decentralized networks powered by blockchain technology. This innovation enables peer-to-peer financial transactions, smart contracts, and automated protocols, allowing for secure and transparent exchanges without the need for intermediaries. Th

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Alrujoubi, Adnan M., and Hassin A.B. Ahmed Altwile. "The Impact of Mobile transfer and Card payment on liquidity and Cash Flow Accounting in Libyan Banks." Sience and Technolgy's Development Journal, no. 6 (March 31, 2025): 391–98. https://doi.org/10.5281/zenodo.15333729.

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This study explores the role of local credit cards and mobile banking applications in enhancing cash flow management and liquidity of the Libyan banking sector. Amid ongoing economic challenges and operational inefficiencies, the research examines how adopting digital financial tools—specifically local credit card payment systems and mobile transfer applications—can improve financial performance and support broader financial stability. The study focuses on key operational metrics including transaction speed, cost reduction, risk mitigation, and interbank transaction capabilities. U

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Zahrani, Syifa Aulia, and Theodorus Sendjaja. "The Digital Rupiah and The Future of Accountants: A Central Bank Digital Currency (CBDC) Study." Jurnal Ilmiah Akuntansi Universitas Pamulang 13, no. 1 (2025): 55–71. https://doi.org/10.32493/jiaup.v13i1.46352.

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The financial sector has undergone digital transformation, including establishing digital currency issued by central banks (CBDC) such as Digital Rupiah, which has transformed Indonesia's payment and monetary systems. These changes are expected to have a major impact on the roles and competencies of accountants, who are responsible for ensuring financial transparency, accountability and efficiency. This research examines the effects of Digital Rupiah on accountants' work, such as changes in financial reporting, auditing, and risk management. This research utilises a qualitative methodology, wh

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Zaleski, Wiktor M., and Wadeusz X. Wojnarowicz. "How Banks Leverage Digital Transformation to Mitigate Deposit Outflows Driven by P2P Lending Platforms." Journal of World Economy 4, no. 1 (2025): 35–40. https://doi.org/10.56397/jwe.2025.02.03.

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The rapid expansion of Peer-to-Peer (P2P) lending platforms has significantly disrupted the traditional banking sector, leading to substantial deposit outflows as investors seek higher returns and borrowers pursue more accessible credit options. This shift poses liquidity and profitability challenges for U.S. banks, compelling them to adopt digital transformation strategies to retain deposits and sustain their competitive advantage. This paper explores how banks leverage digital innovations such as artificial intelligence (AI)-driven financial management tools, real-time payment systems, and e

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Syahra, Yohanni, Yuni Franciska Br. Tarigan, Karina Andriani, Hevlie Winda Nazry S, and Roziyani Setik. "Decision Trees in Predicting Loan Default Risk in Customer Relationships within the Financial Sector." Sinkron 9, no. 2 (2025): 734–45. https://doi.org/10.33395/sinkron.v9i2.14672.

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Loan default prediction is an important aspect of risk management in financial institutions. Accurate prediction models enable banks and lending organizations to mitigate risks, allocate resources effectively, and optimize decision-making processes. This study investigates the application of decision tree algorithms in predicting loan default risk in the financial sector. Decision trees are renowned for their interpretability, adaptability to non-linear data, and ability to handle missing values, making them a valuable tool in credit risk analysis. Using a dataset consisting of borrower profil

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Raina, Bushen, Pradip Chanda, D. P. Mehta, and Sunil Kumar Maheshwari. "Organizational Decline and Turnaround Management." Vikalpa: The Journal for Decision Makers 28, no. 4 (2003): 83–92. http://dx.doi.org/10.1177/0256090920030408.

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A panel of turnaround leaders, consultant, and academia responded to the theme on Organizational Decline and Turnaround Management. The panel members addressed the following issues: What are the causes of organizational decline? How do stakeholders respond to organizational decline? What are the turnaround challenges? The salient features of the responses are as follows: There is a divide among the turnaround leaders regarding the causes of decline. Some view the decline purely as the result of the failure of management to anticipate and act appropriately in time. For others, the decline is ca

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Tarawneh, Adey, Aisyah Abdul-Rahman, Mohd Fahmi Ghazali, Syajarul Imna Mohd Amin, and Heitham Al-Hajieh. "Does Fintech Affect Bank Profitability? Empirical Insights from Malaysia." Revista de Gestão Social e Ambiental 18, no. 5 (2024): e8240. http://dx.doi.org/10.24857/rgsa.v18n5-199.

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Objectives: This study investigates the influence of Fintech on the profitability of Malaysian banks. It aims to assess both accounting measures, such as Return on Assets (ROA) and Net Interest Margin (NIM), and market performance measures, including Tobin's Q. The research utilizes bank-level metrics like the intangible asset ratio and the ATM-to-branch ratio, along with a country-level Fintech index that combines data on ATM, smartphone usage, and internet penetration. The study seeks to understand the complex dynamics between Fintech investments and bank profitability, providing insights fo

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Rabaai, Ahmad A., Shereef Abu Al Maati, Nooh Bany Muhammad, and Enas M. Eljamal. "Understanding mobile payments through the lens of innovation resistance and planned behavior theories." Uncertain Supply Chain Management 12, no. 1 (2024): 45–64. http://dx.doi.org/10.5267/j.uscm.2023.10.018.

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Despite the numerous advantages that different mobile payments can provide, their acceptance, and adoption rates are still relatively low. This study aims at investigating mobile payments and demonstrates how drivers and barriers that influence behavioral intentions to use mobile payments interact and support one another by combining the theory of planned behavior (TPB) and the innovation resistance theory (IRT). A self-administered online survey was employed to gather data from 341 users of mobile payments in the State of Kuwait. To test the proposed model and its hypotheses, responses were a

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Ecubay, Feven, and Aitaa Kilimvi. "Implications of Informal Money Transfer Systems on Kenya’s Financial Sector." American Journal of Finance 8, no. 2 (2023): 13–27. http://dx.doi.org/10.47672/ajf.1520.

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Purpose: In Kenya, the informal money transfer system is widely used by its citizens, allowing them to make quick and easy payments across long distances. This system has bridged the gap between those with limited access to formal banking services, allowing them to make transactions without relying on a formal banking institution. While there are numerous benefits to using this type of system, it can also present potential risks to the economy and financial sector in general. This paper examines the implications of the informal money transfer system in Kenya, focusing primarily on its effects

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Sadchykova, Iryna, and Myroslav Ievsiienko. "Infrastructure requirements for the sustainable development of the credit system of Ukraine." PROBLEMS AND PROSPECTS OF ECONOMIC AND MANAGEMENT, no. 4 (40) (December 30, 2024): 267–78. https://doi.org/10.25140/2411-5215-2024-4(40)-267-278.

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The article highlights the interpretation of the concept of "infrastructure of the credit system" by domestic scientists and presents the author's definition of the presented term. The components of the infrastructure of the credit system are defined, namely: the banking system, which is represented by the central element, which includes the central bank (NBU) and commercial banks; non-bank financial and credit institutions; digital payment systems; information systems; regulatory framework of credit provision; credit market infrastructure institutes. The main functions of the infrastructural

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Zolotoverkha, Anastasia, Nataliia Kraus, and Kateryna Kraus. "DIGITALIZATION OF BANKING INSTITUTIONS IN THE CONDITIONS OF GLOBAL TRANSFORMATION OF THE FINANCIAL SECTOR." Європейський науковий журнал Економічних та Фінансових інновацій 2, no. 12 (2023): 82–94. https://doi.org/10.32750/2023-0206.

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The article reveals digitization as an indispensable component of modern society and has a significant impact on all sectors of the economy, including the banking system. The impact of digitization on the banking system of Ukraine is revealed and its consequences for banking are indicated. It is noted that digital technologies allow efficient copying, distribution and storage of data, and also open up new opportunities for their search, analysis and editing. Digitized objects acquire new properties, such as programmability, addressability, communicability, and memorability, making them more fl

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SANDEEP PAMARTHI. "Optimizing PyFlink for high-throughput machine learning: Streaming feature engineering in banking." World Journal of Advanced Engineering Technology and Sciences 13, no. 2 (2024): 728–37. https://doi.org/10.30574/wjaets.2024.13.2.0549.

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Real-time feature engineering refers to transforming streaming data into meaningful features for machine learning models as events occur. This capability is critical in fraud detection for banking, where detecting anomalous transactions within seconds can prevent losses. Detecting fraud after hours or even minutes is often too late – by the time an offline system flags a fraudulent transaction, the funds may already be gone. Fraud detection systems must ingest transaction streams and compute features (e.g. recent transaction counts, spending velocity, geolocation patterns) continuously, enabli

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Li, Zhi. "Study on Prevention and Countermeasures of Payment and Settlement Risks of Commercial Banks." Academic Journal of Science and Technology 10, no. 3 (2024): 120–24. http://dx.doi.org/10.54097/8fwm8t18.

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The prevention and countermeasures research of commercial banks' payment settlement risks have always been important issues in the financial field. With the rapid development of electronic payments and internet finance, payment settlement risks have increasingly demonstrated diversified and complex characteristics. This paper aims to study the prevention and countermeasures of payment settlement risks in commercial banks to enhance the security and stability of their payment settlement business. Through the analysis of the concept, characteristics, and influencing factors of payment settlement

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Д.Н., Филиппов. "ПРОЦЕСС ИНТЕГРАЦИИ ЦИФРОВЫХ ТЕХНОЛОГИЙ В ДЕЯТЕЛЬНОСТЬ ФИНАНСОВЫХ ОРГАНИЗАЦИЙ: КЛЮЧЕВЫЕ МЕТОДОЛОГИИ И ОРГАНИЗАЦИОННЫЕ РЕШЕНИЯ". Вестник Академии права и управления, № 4(79) (10 жовтня 2024): 227–34. http://dx.doi.org/10.47629/2074-9201_2024_4_227_234.

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В статье предлагается детальный анализ перестроек в финансовом секторе России на фоне цифровизации. Рассматриваются ключевые нормативные акты, определяющие этот процесс, и подчеркивается роль Центрального Банка России в развитии Regtech и Suptech. Автор фокусируется на цифровых финансовых активах и анализирует внедрение искусственного интеллекта, Big Data, облачных технологий, систем быстрых платежей, необанков и CRM-систем и их влияние на деятельность ведущих российских финансовых институтов, включая ПАО «Сбербанк», ПАО «Т-Банк», ПАО «Банк «Санкт-Петербург», ПАО «Россельхозбанк» и ПАО «ВТБ».

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Shukla, Bharti, and Ashutosh Pandey. "CREDIT RISK MANAGEMENT WITH SPECIAL REFERENCE TO UNION BANK OF INDIA, GORAKHPUR." Sachetas 1, no. 1 (2022): 10–16. http://dx.doi.org/10.55955/110003.

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“A Credit risk is the risk of default that arise when borrower failing to make required payment.” A credit risk is a result of the business loan from the banks by the people or company. Banks are a kind of enterprise; their ultimate goal is maximized profits. Credit business is the core business of all commercial banks. By the RBI guidelines, the banks have to provide loan to the customers so that increase flow of cash in the market. The purpose of credit risk management is maximizing the returns by maintaining the rules and regulation of the banks and RBI.

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Howcroft, J. B., and John Lavis. "Evolution of the Payment Systems of London Clearing Banks." Service Industries Journal 7, no. 2 (1987): 176–94. http://dx.doi.org/10.1080/02642068700000018.

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Larionov, A. V., and E. S. Salina. "Regulation and Risk Assessment of Payment Systems." Management Science 9, no. 3 (2019): 40–55. http://dx.doi.org/10.26794/2304-022x-2019-9-3-40-55.

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The study reveals features of the risk management in the payment system, taking into account the requirements of the Bank of Russia. Particular emphasis is placed on the implementation of practical aspects of organizing risk management systems in conformity with Bank of Russia Regulation No. 607-P dated 03.10.2017 “On requirements for the procedure for ensuring the smooth functioning of the payment system, indicators of the smooth functioning of the payment system and methods of risk analysis in the payment system including risk profiles”. The research uses international standards and approach

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Petyk, Liubov O., Olga Yu Klepanchuk, and Diana O. Koren. "The Monitoring of Financial Insolvency and Probability of Bankruptcy." Business Inform 12, no. 539 (2022): 237–42. http://dx.doi.org/10.32983/2222-4459-2022-12-237-242.

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In countries with unstable economies and changing political systems, as well as adverse climatic conditions, the likelihood of bankruptcy is higher. Economic and political instability is now observed in Ukraine, where, due to hostilities, part of the business was forced to emigrate to safer places of doing business, and other part stopped operating. The increased pace of inflation, the unstable exchange rate of the national currency, the decline in business activity, the outflow of labor and investments from the country, including those related to scientific and technical developments, had a n

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Mahgoub, Yasmin, Niklas Arvidsson, and Alberto Urueña. "Emergence of a Digital Platform Based Disruptive Mobile Payments Service." International Journal of E-Business Research 14, no. 3 (2018): 1–19. http://dx.doi.org/10.4018/ijebr.2018070101.

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Banks are motivated to be interested in developing platforms to provide mobile payment services to their customer and for those to be innovative. However, the successful implementation of a mobile payments service platform is mainly determined by how much players are fully motivated to realize it. In fact, in the Swedish context, the involvement level of mobile payment service platforms are very high whereas few studies have examined the related issues of mobile payments service platform. Thus, the purpose of this article is to investigate the factors leading banks to develop platforms and how

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Kochergin, Dmitry. "Modern models of systems of central bank digital currency." St Petersburg University Journal of Economic Studies 37, no. 2 (2021): 205–40. http://dx.doi.org/10.21638/spbu05.2021.202.

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The article examines modern models of digital currency systems of central banks (CBDC) for retail payments and wholesale settlements. The study gives economic interpretation and defines the key characteristics of central bank digital currencies, identifies the features of the main models of digital currencies systems and analyzes the most advanced national implementation projects of CBDC. The study concludes that the digital currencies of central banks are a new (digital) form of fiat money. The implementation of digital currencies of central banks is due to the need to improve the efficiency

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Trusova, N. V., and I. O. Chkan. "Payment Systems in Ukraine and Risks of their Functioning." Business Inform 1, no. 516 (2021): 257–63. http://dx.doi.org/10.32983/2222-4459-2021-1-257-263.

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The article is aimed at defining the main aspects of the development of the current state of electronic payment systems in Ukraine and generalizing the main risks of violation of their functioning. The carried out research systematized information on the functioning of payment systems (both internal and international) and forms of payments in Ukraine (cash, non-cash – electronic). Among more than 80 domestic and international payment systems created by banks and non-bank institutions, the National Bank of Ukraine defines the following categories of importance of payment systems in Ukraine in o

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Masino, M. N., and A. V. Larionov. "Methods for risk management architecture in payment systems." Finance and Credit 23, no. 31 (2017): 1832–49. http://dx.doi.org/10.24891/fc.23.31.1832.

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Sylla, Mamadou. "How to Save the World Management of the Banking System?" Applied Economics and Finance 7, no. 5 (2020): 1. http://dx.doi.org/10.11114/aef.v7i5.4852.

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The unprecedented subprime crisis, the deregulation of the market, bank credit and payment mechanisms have facilitated the spread of the risk to the whole of economy. This study examines the issue of the processes set up to save the management of the global banking system. To achieve our goal, we conducted a survey of the various techniques used by banks to prevent global financial crises. At the end of our study, we found that the banks while opting for different policies play the same role and are increasingly hard to avoid risk.

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