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Journal articles on the topic 'Risks of payment systems'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Аkhmetov, Zh, and A. Аzhmukhamedova. "Risks in payment systems." ECONOMIC Series of the Bulletin of the L.N. Gumilyov ENU, no. 3 (2019): 116–22. http://dx.doi.org/10.32523/2079-620x-2019-3-116-122.

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

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

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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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DUDIN, Mihail Nikolaevich, Vadim Nikolaevich ZASKO, Evgeniya Evgenevna FROLOVA, Natalya Georgievna PAVLOVA, and Ekaterina Petrovna RUSAKOVA. "Mitigation of Cyber Risks in the Field of Electronic Payments: Organizational and Legal Measures." Journal of Advanced Research in Law and Economics 9, no. 1 (2018): 78. http://dx.doi.org/10.14505//jarle.v9.1(31).11.

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The issues of ensuring the electronic payments’ security are currently in the limelight of participants in the monetary system and the scientific expert community. The goal of this paper is to develop organizational and legal measures aimed at improving the security of electronic payments in the Russian Federation. Research methods include the analysis of retrospective data describing the development of the payment system and electronic payments using bank cards, as well as the method of statistical observations and analysis of secondary data from surveys of Russian and foreign companies

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Soundararajan, Balaji. "Challenges and Checkpoints of Payment Systems Security." Journal of Software Engineering and Simulation 7, no. 9 (2021): 46–53. https://doi.org/10.35629/3795-07094653.

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The transition towards a cashless economy has amplified the importance of securing digital payment systems against evolving cyber threats. This study examines the vulnerabilities inherent in traditional and electronic payment systems, including credit cards, mobile payments, and RFID technologies, while addressing emerging risks such as data breaches, fraudulent activities, and network attacks. Through an analysis of case studies and current literature, the paper evaluates the efficacy of security measures like encryption, tokenization, multifactor authentication (MFA), and compliance framewor

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

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

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

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

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Smith, Russell G. "Internet Payment Systems and their Security Risks." Journal of Financial Crime 7, no. 2 (1999): 155–60. http://dx.doi.org/10.1108/eb025933.

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9

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

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

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

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

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Rosner, Marcel, and Andrew Kang. "Understanding and Regulating Twenty-First Century Payment Systems: The Ripple Case Study." Michigan Law Review, no. 114.4 (2016): 649. http://dx.doi.org/10.36644/mlr.114.4.understanding.

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Ripple is an open-source Internet software that enables users to conduct payments across national boundaries in multiple currencies as seamlessly as sending an email. This decentralized Internet payment protocol could provide a cure to an inefficient cross-border payments system. Although Ripple’s technology can reduce significant risks and costs that exist in the international payments system, regulators should adopt a new regulatory framework that responds to how this technology works. This Note performs two functions to help regulators realize this goal. It first helps regulators and other

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Mamonov, M., A. Pestova, and O. Solntsev. "Cash Cult in Russia: How to Debunk It and What Will Be the Consequences?" Voprosy Ekonomiki, no. 7 (July 20, 2011): 79–101. http://dx.doi.org/10.32609/0042-8736-2011-7-79-101.

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Since 2010 the issues of development of retail payment systems in Russia have been discussed by the general public. But there is still a lack of assessments of possible macroeconomic effects. In our research we offer systematization of positive effects generated by broad implementation of retail payment systems and analyze the key tendencies in substitution of cash payments by non-cash payment instruments. We compare both potential of monetary policy and specific technical measures (growth in use of payment infrastructure, etc.) in stimulating households demand for retail payment systems in Ru

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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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Fan, Yinbin, and Elena Voronkova. "Modern payment infrastructure of cross-border settlements of Russia and China." E3S Web of Conferences 533 (2024): 04026. http://dx.doi.org/10.1051/e3sconf/202453304026.

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The article reveals the features of the payment infrastructure of cross-border trade between China and Russia on the background of geopolitical risks. The authors emphasize the importance of organization and mechanisms of mutual payments between the two states. The risks of using international payment and clearing systems for Russia and China are noted. The development of national payment systems and national systems of financial information transmission in these countries are analyzed. The role and the transformation of traditional forms of payment mechanisms in Russian-Chinese cross-border s

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Al-Khasawneh, Reem Oqab. "Importance of Electronic Accounting Information Systems in Improving Financial Information Security in Jordanian Electronic Payment and Money Transfer Companies." International Journal of Professional Business Review 8, no. 7 (2023): e02777. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2777.

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Purpose: The study aimed to assess the level of effectiveness of electronic accounting information systems in enhancing the security and control of financial information in Jordanian payment and electronic transfer companies and its ability to provide reliability. And analyzing the ability of the system used in the payment and financial transfer companies to meet the operational requirements imposed by the regulators of the sector. Theoretical framework: The theoretical framework dealt with the topics of the study from the security threats of electronic accounting information systems (Jacob, 2

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Faradynawati, Ida Ayu Agung. "The Impact of Perceived Risk and Trust on Consumer Intention to Use FinTech Payment in Indonesia." International Review of Financial Consumers 3, No. 1 Apr 2018 (2018): 27–38. http://dx.doi.org/10.36544/irfc.2018.1-1.3.

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FinTech rises as a faster, easier, and cheaper alternative to conventional financial products and services in Indonesia. The largest FinTech sub-segment in Indonesia is payment systems, representing over 30% of overall FinTech startup community. Consumer confidence and trust are essential to acquire and retain users and increase transaction volumes for FinTech companies. Therefore, in the expectation that a better understanding of factors that shape consumer behavior can promote the development of FinTech payment system, the goal of this research was to examine consumer perceived risks and tru

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Safiullin, Marat, Leonid Yelshin, and Marat Sharifullin. "Prospects for using blockchain in the system of international supply chains and cross-border payments." Revista Gestão & Tecnologia 23, no. 4 (2024): 360–76. https://doi.org/10.20397/2177-6652/2023.v23i4.2692.

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This article considers the transformative potential of blockchain technology and digital currencies in revolutionizing national and international payment systems. The study employs a comprehensive analysis of existing literature, real-life cases, and current trends in blockchain and digital currency adoption. It assesses the impact of blockchain on international trade and financial transactions, focusing on its potential to reduce costs, enhance security, and improve transparency. The research reveals that blockchain offers promising solutions for cross-border payments by eliminating intermedi

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Нечепоренко, І. Д., and К. Г. Гриценко. "INTEGRATION OF DIGITAL PAYMENT SYSTEMS IN E-COMMERCE AS A KEY FACTOR OF ENTERPRISE ECONOMIC SECURITY." Цифрова економіка та економічна безпека, no. 2 (17) (March 31, 2025): 201–4. https://doi.org/10.32782/dees.17-33.

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The article explores the integration of digital payment systems into e-commerce as a key factor in strengthening enterprise economic security. It emphasises the strategic role that digital payments play in ensuring financial stability, reducing operational risks, and enhancing customer trust, especially for small and medium-sized enterprises (SMEs). The study synthesises current academic discourse and industry reports, focusing on the advantages of real-time transaction processing, transparency, compliance with regulatory standards, and operational efficiency. It highlights the risks associate

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Seshagiri, Asha. "Development of a Universal Platform for Managing Payment Operations on a Global Scale: Methodology and Implementation Examples." International Journal of Advanced Engineering and Management Research 09, no. 05 (2024): 72–82. http://dx.doi.org/10.51505/ijaemr.2024.9505.

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The article discusses the main trends and processes in the field of digital finance. The purpose of the research is to analyze the functioning of electronic payment systems as a key element of the digital financial sector, with a focus on identifying the main threats to user security and developing recommendations to improve their security. The author analyzes the functioning of electronic payment systems as an important segment of the digital finance sector. Statistics on the global electronic payments market and forecast indicators are presented. Main security issues for users of electronic

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20

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

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

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21

Jingrong, L., and Sh Jigeer. "Third-Party Payment Regulation: Analysis of Risks and Legal Mechanisms in China." Journal of Digital Technologies and Law 3, no. 2 (2025): 259–74. https://doi.org/10.21202/jdtl.2025.11.

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Objective: to identify the main risks and problems in the field of third-party payments in China; to analyze the current legislation on the regulation of this sector; and to propose scientifically sound ways to improve the effectiveness of regulation of such payment systems.Methods: the study used a set of general scientific methods, including analysis, induction and synthesis. The authors comprehensively analyzed the current state and legal regulation of third-party payments in China in order to develop practical recommendations for the introduction of effective regulatory mechanisms in this

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Vyas, Ravi, Chaudhary Saket Kumar, Sandeep Raghuwanshi, Arif Hasan, and Atul Kumar Karn. "The Digital Shift: Impact of Banking and Payment Systems on Customer Experience in India." Journal of Management World 2024, no. 4 (2024): 312–17. https://doi.org/10.53935/jomw.v2024i4.391.

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This research examines the transformative effects of digital banking and payment systems on customer experience in India, focusing on the impact of consumer awareness, attitudes, perceived risks, and demographic factors on digital payment behaviours. The findings reveal that positive consumer attitudes significantly drive the usage and acceptance of digital payment systems, with 87.2% of consumers actively engaging with these technologies. However, perceived risks remain a substantial barrier to broader adoption. The study underscores the necessity for targeted education and communication stra

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Abhijith, Vijayakumar Binsu. "Beyond the Swipe: The Evolution of Contactless, Voice-Enabled, and Invisible Payments." Journal of Advances in Developmental Research 15, no. 2 (2024): 1–9. https://doi.org/10.5281/zenodo.15104229.

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This paper examines the evolution of payment systems, transitioning from traditional cash and card-based transactions to frictionless models driven by technological advancements. It explores the rise of contactless payments, voice-enabled transactions, and invisible payment systems, highlighting the pivotal roles of Near Field Communication (NFC), artificial intelligence (AI), biometrics, and the Internet of Things (IoT). The analysis delves into the benefits of these systems, including enhanced speed, convenience, and user experience, while addressing critical challenges such as security risk

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Goyal, Dr Akhil. "Evolution of Payment System and Rises of Mobile Payment." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35731.

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The evolution of payment systems highlights humanity's pursuit of efficiency, security, and convenience. Starting with barter systems, societies transitioned to commodity money like livestock and metals, eventually adopting metal coins around 600 BCE for their durability and divisibility. Paper money emerged in China during the Tang Dynasty, spreading to Europe as a lighter alternative. The Renaissance era saw banking institutions introduce bills of exchange and promissory notes. The 20th century brought charge and credit cards, followed by electronic payments with ATMs and digital cash. The 2

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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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Septya Putri, Andini, and I. Nyoman Dita Pahang Putra. "Optimal Profitability Analysis for Contractors Regarding Variations in Payment Systems and Scheduling." JURNAL TEKNIK SIPIL CENDEKIA (JTSC) 5, no. 2 (2024): 944–61. http://dx.doi.org/10.51988/jtsc.v5i2.213.

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Construction projects often face higher risks than other types of projects, primarily due to potential delays from inaccurate scheduling and cash flow issues. Therefore, effective scheduling and payment systems are crucial for contractors to reduce risks and achieve optimal profitability. This study aims to identify optimal cash flow and profitability for contractors through the analysis of various payment systems and the utilization of float time. The methods used include cash flow analysis and feasibility analysis using NPV, BCR, and ROI methods. This research explores eight different paymen

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SANGEETHA G, NAVIS, and Dr M. JOHN PAUL. "A Study on Significance of Digital Payments in Enhancing Business Efficiency and Security in R k Hollow Blocks." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44347.

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The rapid evolution of digital payment systems has significantly transformed business operations, enhancing efficiency and security across various sectors. This study explores the impact of digital payments on business performance, with a specific focus on R K Hollow Blocks, a manufacturing enterprise. The research examines how the adoption of digital transactions improves financial management, reduces operational costs, and enhances transaction security. Through a combination of qualitative and quantitative methods, this study assesses the benefits of digital payments in streamlining cash flo

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Amangozhaeva, A. B., M. A. Markelova, and D. T. Dzharikbaeva. "Analysis of reforming the national payment system of the Republic of Kazakhstan." Bulletin of "Turan" University, no. 4 (December 25, 2022): 275–87. http://dx.doi.org/10.46914/1562-2959-2022-1-4-275-287.

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The article deals with theoretical, methodological and practical aspects of risk assessment of the national payment system. A comparative analysis of world models for assessing the risks of payment systems is presented. Due to the growth of market infrastructure around the world, technological changes and the development of the global and national regulatory environment, an increase in production volumes and, accordingly, an increase in the number of operations of business entities, including individuals and enterprises in the field of material production, as well as in In the field of financi

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Salsa, Adelia. "Optimalisasi Pengelolaan Biaya dengan Digital Payment pada Bisnis Hiburan Anak: Kasus Kiddy Playland." Jurakunman (Jurnal Akuntansi dan Manajemen) 18, no. 1 (2025): 106. https://doi.org/10.48042/jurakunman.v18i1.362.

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The increasing adoption of digital payment systems has transformed various sectors, including the children's entertainment industry. However, many businesses in this sector still face challenges in fully optimizing this technology. This research examines how Kiddy Playland, a children's play center, has implemented digital payment systems to optimize cost management. The main objective is to analyze the effectiveness of digital payment in enhancing operational efficiency, reducing transaction errors, and improving customer relationships. The study employs a qualitative descriptive approach wit

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Issa, Firas Mohammad, Mohammad Ahmad, Jamal Alyaseen, and Mohyeldin Mourad. "Towards Decreasing the Associated Risks with Payment Settlement Systems." International Review on Computers and Software (IRECOS) 9, no. 10 (2014): 1767. http://dx.doi.org/10.15866/irecos.v9i10.4105.

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Van Praag, Emanuel. "The future of European payments: Faster, cheaper, more digital and more European; with no one left behind." Journal of Payments Strategy & Systems 18, no. 4 (2024): 327. https://doi.org/10.69554/kywz1749.

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This paper describes key trends in the payments markets (namely, declining use of cash, digitisation, the growth of payment fraud, and geopolitical tensions) and how these translate into risks, both perceived and real. The paper then describes how the European Union (EU) legislator is addressing these risks, for example, through the proposed EU Payment Services Regulation and the Instant Payments Regulation, which will introduce such measures as conditional reversal of liability for authorised push payment fraud and confirmation of payee services to enhance fraud prevention and protect consume

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Semeko, Galina V. "Central Bank Digital Currency: New Opportunities for Cross-Border Payments." Financial Journal 14, no. 4 (2022): 108–21. http://dx.doi.org/10.31107/2075-1990-2022-4-108-121.

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In the context of the rapid growth of international cash flows under the influence of globalization and digitalization of the world economy, the disadvantages of the correspondent banking network for crossborder money transfers are becoming increasingly obvious. Cross-border payments continue to be largely based on the old correspondent banking model, which has not quite benefited from the flow of innovations. New technologies have the potential to facilitate fast, low-cost, transparent and scalable payments. There is a need to modernize international payment systems and to develop alternative

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Arunkumar, Paramasivan. "AI for Seamless Cross-Border Transactions A New Era for Global Card Services." International Journal of Leading Research Publication 5, no. 5 (2024): 1–11. https://doi.org/10.5281/zenodo.14551534.

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Artificial Intelligence (AI) is revolutionizing international payment systems, paving the way for faster, more secure, and cost-effective cross-border transactions. Traditional cross-border payment systems have been plagued by delays, high transaction fees, and complex regulatory challenges, often resulting in inefficient global card services. AI technologies, such as machine learning, natural language processing, and data analytics, are now enabling seamless and optimized payment processing by automating currency conversion, detecting fraud, and optimizing payment routing in real-time. These

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Arunkumar, Paramasivan. "Smart Cards in a Smart World: How AI is Innovating Card Payments." INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH AND CREATIVE TECHNOLOGY 5, no. 6 (2019): 1–10. https://doi.org/10.5281/zenodo.14551632.

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The integration of artificial intelligence (AI) into card payment systems is revolutionizing the way transactions are conducted and managed. With innovations such as contactless technologies and biometric verification, AI is enhancing both the speed and security of card payments. AI-driven systems enable real-time transaction monitoring, providing advanced fraud detection capabilities by analyzing transaction patterns and identifying deviation before fraudulent activity occurs. Furthermore, predictive analytics allows for better transaction management by forecasting spending behaviors, offerin

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15068336.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Kharatmol, Jyoti Mahesh, and Hanumant Popat Shinde. "Delegated Payments in UPI: Opportunities & Challenges." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 1 (2025): 103–5. https://doi.org/10.5281/zenodo.15331877.

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<strong><em>Abstract</em></strong> <em>As economy grows there is need to make advancement in payment technologies. Economic activities can be facilitated easily using payment system. There are many risks involved in making transactions. These are minimized by payment system.</em> <em>The National Payments Corporation of India (NPCI) develops payment systems in India. NPCI has made digital financial services more reachable, promoting financial inclusion and a strong payments ecosystem. Unified Payments Interface (UPI) being one of most significant product of NPCI, Launched in 2016, UPI has grow

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Zahiri far, Reza, Vahid Kiani, and Seyed Najmeddin Mousavi. "Examining the Impact of Business Continuity Management Systems on Reducing Operational and Economic Risks in Payment Companies." Digital Transformation and Administration Innovation 2, no. 4 (2024): 89–97. https://doi.org/10.61838/dtai.2.4.11.

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In today's world, payment companies face security threats, regulatory changes, economic crises, and technological developments that can significantly impact their performance and sustainability. The aim of this study is to analyze the role of Business Continuity Management (BCM) systems in mitigating these risks and enhancing operational and economic resilience. The research method is descriptive-survey, and data were collected through questionnaires designed for managers and senior experts in payment companies. The results indicate that BCM systems are effectively influential in reducing both

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REYNON, MARIEL KATRINA, PETER CARLO BULATAO, JOSCELLE ANN VERGEL, LAUREN ASHLEY YABUT, and JUN GRIMALDO. "Consumer’s Attitude on Online Payment Systems as Driven by Risks." Journal of Business and Management Studies 4, no. 2 (2022): 13–26. http://dx.doi.org/10.32996/jbms.2022.4.2.2.

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An online payment system has brought convenience to its users as it is a tool used to conduct cashless transactions. However, it involves risks that may differ from one person’s perspective to another. Hence, the objective of this research is to understand the consumer’s attitude regarding the technology, considering their perceived risk after system usage. A non-probability convenience sampling was utilized in this study, and a total of 384 responses were gathered. It has been found that perceived risk has a positive effect on perceived usefulness and ease of use; attitude is positively affec

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Barsiq, Mutasem Kamal I. "ADOPTION OF DIGITAL CURRENCY AS AN INNOVATIVE FORM OF SETTLEMENT AND ITS IMPACT ON MONETARY POLICY." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/6, no. 144 (2024): 166–72. http://dx.doi.org/10.36871/ek.up.p.r.2024.03.06.021.

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This article explores the new approaches to minimizing and eliminating settlement risks and improving transaction efficiency, thereby increasing global productivity by enabling fast and secure payments between households and businesses around the world. Using the PRISMA model we highlight the importance of digital currencies and the models of settlement systems they represent. It is concluded that contractual and settlement obligations and other various problems in and around payment and cash settlement systems depend on the competitive structure of the basic payment system and data management

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Maksimova, Svetlana, Elmira Murzageldieva, Svetlana Solodova, and Margarita Chub. "Evolution of Payment Systems in Digital Economy." Regionalnaya ekonomika. Yug Rossii, no. 2 (July 2022): 29–39. http://dx.doi.org/10.15688/re.volsu.2022.2.3.

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The article is devoted to the analysis of influence of legal, technical, organizational and international factors on the development of the Russian payment system. The national payment system of Russia, as part of its development, designed to provide an opportunity to implement financial innovations for all market participants. The relevance of research consists in the need to improve the efficiency of payment system regulation in the conditions of their transformation and digitalization. Improvement of regulation effectiveness is possible when the interaction of factors determining the direct

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Kochergin, D. A. "GLOBAL EXPERIENCE IN IMPLEMENTING CENTRAL BANKS DIGITAL CURRENCIES FOR RETAIL PAYMENTS IN EMERGING MARKETS AND DEVELOPING COUNTRIES." Вестник Института экономики Российской академии наук, no. 5 (2024): 130–71. https://doi.org/10.52180/2073-6487_2024_5_130_171.

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The article is devoted to the definition of current trends in the development of retail payments, the study of the motives for the introduction of digital currencies, the architecture and design features of retail CBDC systems in emerging markets and developing countries (EMDCs), as well as possible risks. Proposals have been formulated to improve the digital ruble project. As a result of the study, conclusions are drawn about the global trend of more and more expanding use of non-cash payment instruments and the growing competition between private payment service providers and the government.

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Jiao, Yifei. "The Impact of Blockchain Technology: Cross-Border Payments, Digital Currencies, and Financial Risks." Advances in Economics, Management and Political Sciences 85, no. 1 (2024): 8–17. http://dx.doi.org/10.54254/2754-1169/85/20240828.

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This study investigates the transformative potential of blockchain technology in revolutionizing cross-border payments, digital currency development, and mitigating financial risks within the financial sector. The study emphasizes the importance of this technology in addressing the inefficiencies and security vulnerabilities inherent in traditional financial systems, highlighting its significant pivotal role in the academic field of financial technology and blockchain research. To delve into these issues, this study conducted a comprehensive literature review of the latest research results, co

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Abhijith, Vijayakumar Binsu. "The Rise of Subscription-Based Services: Challenges in Handling Recurring Payments." Journal of Advances in Developmental Research 14, no. 2 (2023): 1–8. https://doi.org/10.5281/zenodo.15104225.

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The proliferation of subscription-based business models has revolutionized consumer access to products and services, necessitating robust recurring payment systems. This paper examines the critical challenges associated with managing recurring payments, including payment processing inefficiencies, fraud and security risks, regulatory compliance, and customer churn. Then it explores the evolution of the subscription economy, highlighting its expansion across diverse industries and the subsequent impact on payment structures. Furthermore, the paper analyzes how technological innovations, such as

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Trusova, Natalia V., Oksana V. Hryvkivska, Leonid V. Melnyk, Olena V. Gerasymova, and Maksym A. Tereshchenko. "The Risks of Payment Systems of Banking Institutions of Ukraine." Universal Journal of Accounting and Finance 9, no. 4 (2021): 637–52. http://dx.doi.org/10.13189/ujaf.2021.090411.

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Shapoval, Roman Volodymyrovych, Ruslan Orlovskyi, Maksym Sykal, and Stanislav Zlyvko. "Counteraction to offenses committed with the use of electronic payment systems: new challenges and problems." Revista Amazonia Investiga 10, no. 44 (2021): 261–69. http://dx.doi.org/10.34069/ai/2021.44.08.25.

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Legal, organizational and technical issues of the current state of crime prevention in the field of electronic payment systems in different countries and in Ukraine are considered. The following methods were used in the article: dialectical, documentary analysis, analytical analysis of documents and observations. Identified and analyzed current trends and risks associated with the use of electronic payment systems by legal entities. Electronic payments have been found to be a progressive and convenient innovation on the one hand, which has greatly accelerated the ability of individuals to enga

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KISELEVA, Tat'yana Yu. "Current trends in the formation of the dividend policy of Russian companies." Financial Analytics: Science and Experience 17, no. 3 (2024): 279–92. http://dx.doi.org/10.24891/fa.17.3.279.

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Subject. The article discusses the dividend policy of companies, its adaptation to risks and realities of the Russian economy. Objectives. Based on the analysis of conditions for the dividend policy formation in Russian corporations in the last decade, the study aims to unveil trends in dividend policy implementation, reasons for resumption of dividend payments in 2023, forecasts regarding the continuing dividend payment trends. Methods. The study employs historical and systems approaches, methods of analysis, synthesis, comparative analysis, generalization, and others. Results. The formation

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Цветков, В. А., М. Н. Дудин, Н. В. Лясников, and С. Н. Сайфиева. "The development of electronic payment systems and cyber security in the Russian Federation." Вестник МИРБИС, no. 15 (October 19, 2018): 136–53. http://dx.doi.org/10.25634/mirbis.2018.3.15.

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Актуальность исследования обусловлена широким распространением расчетов в электронной форме в российской платежной системе, поскольку перевод платежей в электронный формат дает возможность увеличить их скорость, сократить период обработки информации. Методами исследования являются общенаучные методы анализа и синтеза, экономико-статистические методы для анализа динамики развития электронных платежных систем. В статье исследованы понятия, сущность и правовое регулирование электронных платежных систем и их защиты, рассмотрена проблема обеспечения их безопасности в связи с развитием киберпреступн

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Espeleta, Rina Marie. "Utilization of Standard Electronic Payment System among Private Higher Education Institutions in the Province of Albay." JPAIR Multidisciplinary Research 50, no. 1 (2022): 140–58. http://dx.doi.org/10.7719/jpair.v50i1.571.

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Electronic Payment Systems, the transfer of funds through electronic or digital mediums. Several electronic payment options are available, including mobile wallets, bank cards, and mobile banking. Electronic payments are quick and efficient, and the fund transfer occurs instantly. Electronic payments are quickly gaining popularity in the Philippines, giving students a secure and practical means to pay for enrolment fees and other educational costs as schools adopt alternative learning techniques. The purpose of this research is to determine the status of electronic payment in the selected Priv

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Rajasree, R., and R. Dharma Ragini. "Optimizing Logistics, Customs and International Payment." Thiagarajar College of Preceptors Edu Spectra 7, S1 (2025): 80–88. https://doi.org/10.34293/eduspectra.v7is1-feb25.010.

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In today’s fast-paced global economy, efficient logistics, seamless customs procedures, and secure international payment systems are essential for smooth trade operations and business competitiveness. However, businesses face numerous challenges, including supply chain disruptions, high transportation costs, complex regulatory compliance, and financial risks in cross-border transactions. Customs regulations vary across countries, leading to delays, increased costs, and potential penalties. Similarly, international payments involve risks such as currency fluctuations, fraud, and high transactio

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Al-Qubati, Sana Abdulbaqi, and Nagi Ali Al-Shaibany. "E-Wallet Security Readiness: A Survey." International Journal of Computer Science and Mobile Computing 13, no. 3 (2024): 20–26. http://dx.doi.org/10.47760/ijcsmc.2024.v13i03.003.

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The repercussions of the 2008 financial crisis, growing regulation, and the digital revolution are just a few of the reasons that have caused major changes in the banking and financial sectors in recent years. The fintech phenomenon has emerged as a result of this change, completely altering the way financial services are provided and used. The development of E-wallet security is a key component of this change. The goal of this thorough review is to investigate how E-wallet security has developed, looking at the difficulties, innovations, and potential directions in online transaction security

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