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Journal articles on the topic 'System of electronic payments'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

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1

Tan, Kendry, and Hari Sutra Disemadi. "Urgency of Electronic Wallet Regulation in Indonesia." Nagari Law Review 5, no. 1 (2021): 1. http://dx.doi.org/10.25077/nalrev.v.5.i.1.p.1-14.2021.

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The payment system in Indonesia has undergone significant changes to date. Starting from the barter system to the existence of an electronic payment system. This change is caused by the development of technology, which has an impact on changing people's lifestyles. The payment system has been known to the public since 2014 when Bank Indonesia issued the National Non-Cash Movement (GNNT) policy. This policy aims to create a cashless society eco-system while at the same time introducing the advantages of electronic payments to the public. Electronic payments are considered safer, more efficient,

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Haruna, I. O., P. A. Aidonojie, and O. J. Beida. "Prospects and Issues Concerning the Regulatory Regime of E-Payment System in Nigeria." Journal of Digital Technologies and Law 2, no. 2 (2024): 372–93. http://dx.doi.org/10.21202/jdtl.2024.19.

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Objective: to reveal the legal challenges impeding the smooth operation of electronic payment systems in Nigeria, given that Nigerian official bodies and individuals have already taken some steps to regulate the electronic payment system in the country, but the said step are insufficient.Methods: the study is built on several approaches to the issues of the legal regime of electronic payments in Nigeria. Alongside with the doctrinal interpretation of the legal framework regulating the relations associated with the use of electronic payment system, the authors used sociological cognitive tools

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Polovenko, Liudmyla, Svitlana Merinova, and Kateryna Kopniak. "The development of electronic payment systems in Ukraine and their security." VUZF Review 6, no. 2 (2021): 146–52. http://dx.doi.org/10.38188/2534-9228.21.2.17.

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The paper is devoted to the study of innovations in the market of modern payment systems. The pandemic and quarantine restrictions have accelerated the expansion of the payment infrastructure in Ukraine, which in turn raises the issue of security of electronic payment systems. Ukrainians are more actively switching to electronic payments. At the same time, the trend of growing popularity of contactless payment instruments and settlements with them continues. A comparative analysis of the security of payment systems using electronic technologies in the implementation of money transfer services

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Vasylenko, Oleksandr. "Electronic payment system as an object of criminal encroachment." Yearly journal of scientific articles “Pravova derzhava”, no. 32 (2021): 515–22. http://dx.doi.org/10.33663/0869-2491-2021-32-515-522.

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Introduction. In recent years, the number of payment transactions carried out using electronic payment systems has grown rapidly. Despite the steady growth of electronic payments among both individuals and legal entities, a number of problems remain unresolved, which primarily include ensuring the security of electronic payment transactions by the state at the legislative level and the development of effective means of combating and preventing crime. in the specified area. The current criminal legislation contains certain rules that can ensure the security of the electronic payment system. But

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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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Tkachuk, Volodymyr. "Problems of development of non-banking payment systems in Ukraine." Economic Analysis, no. 29(4) (2019): 80–88. http://dx.doi.org/10.35774/econa2019.04.080.

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Introduction. The development of non-cash payments is the key to economic growth in any country, because on the one hand, the level of control over payments increases, and on the other - the volume of customer spending increases, which leads to increased consumption and GDP growth. However, current trends in e-commerce and online commerce require the emergence of new technological solutions in the form of electronic payment systems that can legally handle transactions with electronic money and cryptocurrencies. Given the rapid pace of growth in transactions through non-banking electronic payme

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Bakšys, Donatas, and Leonidas Sakalauskas. "MODELLING OF INTERBANK PAYMENTS." Technological and Economic Development of Economy 12, no. 4 (2006): 269–75. http://dx.doi.org/10.3846/13928619.2006.9637753.

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Non‐cash payments are intensively growing in the payment market. Therefore modern electronic systems of interbank payments are introduced to satisfy this need. The substantial renewal of the payment system was prompted for the implementation of the new banking technologies and aimed at increasing fund turnover as well as complying with the requirements applied in regard of payment systems. Such a system change is a topical theme of discussion on the simulation and analysis of systems of such kind. The article analyses the opportunities for simulating the interbank payment system and presents a

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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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Anil, Lohar, Y. Gajare Yogini, and Kumar Atul. "E-payment system: Characteristics and features." Siddhant Management Review 2, no. 1 (2017): 19–23. https://doi.org/10.5281/zenodo.6677351.

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The financial system is considered as a real backbone of any economy. A reliable and transparent financial system is a must for handling an increasing number of monetary transactions of the economy. The e-payment system in India becoming more popular and e-payments have witnessed an exponential growth in last few years. In this article, first attempt is made to understand the e-payments, second attempt to critically analyses characteristics of e-payment system and final attempt to find the features of the ideal electronic payment system. The article is based on exploratory research and seconda

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Kovács, Levente, and Sandor David. "Fraud risk in electronic payment transactions." Journal of Money Laundering Control 19, no. 2 (2016): 148–57. http://dx.doi.org/10.1108/jmlc-09-2015-0039.

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Purpose The purpose of this paper is the timely review of regulations on the security of electronic payments, payment innovations and their vulnerabilities and discussing the recommendations elaborated by the European Forum on the Security of Retail Payments. Design/methodology/approach First, the article presents a serious fraud case which happened in the Hungarian banking system. This case demonstrates all risks associated with the security of payment channels being used. Next, the article examines those international SecuRe Pay Forum recommendations which target the elimination of such frau

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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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Onipe, Adabenege Yahaya. "Electronic Payments System and Economic Growth in Nigeria." International Journal of Management and Economics 5, no. 20 (2022): 45–54. https://doi.org/10.5281/zenodo.6814196.

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Over time, the way and manner goods and services are paid for have evolved dramatically from shells, to coins, to paper, to data capable of moving around the world in the blink of an eye. The role of electronic payments system in modern economy cannot be over-emphasized. Electronic payments are a key driver of the economy. Though the nexus between electronic payments system and economic performance has attracted attention from scholars and practitioners alike, very few studies have modeled this relationship correctly and comprehensively. This has resulted in a gap in the literature. This study

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Karunakaran, N., P. Shibu, and M. D. Devasia. "Trend and dynamics of card payment system in India." Journal of Management Research and Analysis 8, no. 4 (2021): 193–97. http://dx.doi.org/10.18231/j.jmra.2021.037.

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Payment system in India has undergone a dramatic change in recent years. The payment through cards, using both debit and credit cards, is one of the early innovations in the modern payment system in the country. Several intermediaries are involved in the effective functioning of card payment mechanism. As a result, the card payment infrastructure has grown remarkably well across India. The volume of payments made through these devices as well as the value of card payments increased rapidly in the last two decades. Among the commercial banks, the State Bank of India dominates in the maintenance

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Huang, Ting. "Design of Mobile Electronic Micro-Payment System." Applied Mechanics and Materials 530-531 (February 2014): 859–64. http://dx.doi.org/10.4028/www.scientific.net/amm.530-531.859.

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Mobile electronic micro-payment system uses mobile terminals for electronic payments which can circulate in multiple banks and cannot limit from the bank that issues the e-cash. This paper researches electronic micro-payment on the agreement of opening account, the withdrawal agreement, the pay agreement, the deposit agreement, the update protocol of the e-cash based on elliptic curve cryptography (ECC). The design of this system is more suitable for mobile micro-payment terminals with limit of calculation capacity, storage, network bandwidth and power supply, which satisfies the needs of the

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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan, and Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security." Symmetry 12, no. 8 (2020): 1344. http://dx.doi.org/10.3390/sym12081344.

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic paym

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Dr., Roshan Lal Rohilla. "Legal Issues Involved in Electronic Payments System in India." International Journal of Current Science Research and Review 07, no. 02 (2024): 864–71. https://doi.org/10.5281/zenodo.10603941.

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Abstract : The Indian economy has developed rapidly after the induction of digital interfaces in commerce, trade, and industry particularly after the popularisation of electronic payment systems or digital banking. Since 2016 when the Government of India announced demonetization, electronic payments have been rising and are expected to continue in the future because the government has promoted these types of payments. Internet penetration in India was 47 percent in 2022 and it was more than 100 percent in urban areas as compared to rural areas, now with the expansion of the information technol

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Duchdara, Doungkamol, and Kalyaporn Panmarerng. "A development of a casual relationship model of factors influencing tax payment through the electronic system of commercial registered entrepreneurs." International Journal of Innovative Research and Scientific Studies 8, no. 4 (2025): 1173–80. https://doi.org/10.53894/ijirss.v8i4.8039.

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Study the level of implementation of tax law reform, the motivation quality of the electronic tax payment system, intentions in paying taxes through the electronic system, and analyze factors that influence the payment of taxes through the electronic system. Additionally, present guidelines for entrepreneurs to conduct tax payments via the electronic system. Data were collected from 300 chief executive officers, directors, managers, or other officials involved in taxation, and analyzed using statistical and content analysis methods. Tax law reform creates incentives to use electronic tax payme

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Elksne, Maija, and Pēteris Grabusts. "ELECTRONIC PAYMENT SAFETY PROVIDE OPTIONS." HUMAN. ENVIRONMENT. TECHNOLOGIES. Proceedings of the Students International Scientific and Practical Conference, no. 21 (April 19, 2017): 83–88. http://dx.doi.org/10.17770/het2017.21.3587.

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The aim of the reports is to view and compare the electronic payment safety providers. Report consist of three chapters. In the first chapter is witten general information of electronic payments safety. In the second chapter is described security certificate provaider examples and in the third chapter is payment system comparative analysis.

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Bekmurodov, Shakhzod Komol son. "ACCOUNTING AND AUDITING OF ELECTRONIC MONEY IN BANKS." TJE - Tematics journal of Social Sciences 10, no. 7 (2022): 74–81. https://doi.org/10.5281/zenodo.6351505.

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<strong>Abstract. </strong>A payment system (hereinafter referred to as the "PS") is a set of relations that ensure the implementation of payments through the interaction of (1) the PS operator, (2) the PS participant and (3) payment organizations through the application of (a) procedures, (b) infrastructure and (c) rules of the payment system established by the PS operator. Uzcard, Humo and Upay are currently national payment systems.

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Bekmurodov, Shakhzod Komol son. "ACCOUNTING AND AUDITING OF ELECTRONIC MONEY IN BANKS." Thematics Journal of Business Management 5, no. 1 (2022): 36–43. https://doi.org/10.5281/zenodo.6410021.

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<strong>Abstract. </strong>A payment system (hereinafter referred to as the "PS") is a set of relations that ensure the implementation of payments through the interaction of (1) the PS operator, (2) the PS participant and (3) payment organizations through the application of (a) procedures, (b) infrastructure and (c) rules of the payment system established by the PS operator. Uzcard, Humo and Upay are currently national payment systems.

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Nazarova, Iryna. "Evolution of accounting and information systems cashless payments." Herald of Economics, no. 4 (March 16, 2022): 211. http://dx.doi.org/10.35774/visnyk2021.04.211.

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Introduction. Digitalization of the market economy creates conditions for minimizing cash payments. The abandonment from cash payments is justified by positive trends in: distancing e-commerce, the use of cashless payment systems and pandemic changes in socio-economic processes. Changes in the cash payments methods require the introduction of accounting and information systems for electronic recording of money operations, accounting and reporting of payment transactions, guarantees for the safety and control of cashless money.Purpose. The aim of the article is to research the evolution of acco

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Nazarova, Iryna. "Definition, accounting and information support of electronic settlements." Herald of Economics, no. 3 (October 21, 2022): 123. http://dx.doi.org/10.35774/visnyk2022.03.123.

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Introduction. The expansion and permanent improvement of the electronic payments field require a revision of the accounting principles of electronic settlements and improve their information and accounting support.The purpose of the article. The aim of the study is to identify the prospects for digitalization of non-cash payments in business in the international and Ukrainian markets of payment services, information and accounting support of electronic payments and development of proposals for their improvement.Methods. The theoretical and methodological basis of the research is the general sc

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Sunil, Shisode Vikas, and Dr Nidhi Nalwaya. "Digital Payment Systems – An Overview of Categories and Extant Opportunities and Challenges." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (2023): 211–17. http://dx.doi.org/10.22214/ijraset.2023.50019.

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Abstract: The payments industry is changing as a result of mobile payments. These services give non-banking actors a way to break into the sector. Banks, who are already involved in the traditional payments sector, must provide mobile payments in order to meet this threat. Right now, we're in a digital era. India is about to see a significant digital revolution. The increasing connectivity that the Internet provides in today's society has altered the way that money is exchanged. The use of several technologies, including smartphones, computers, iPads, tablets, and the internet, has advanced dr

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Ponmuthumari. S, Ponmuthumari S. "Customers Evaluation of Electronic Payments and Clearing System in Indian Banks." International Journal of Scientific Research 1, no. 5 (2012): 19–21. http://dx.doi.org/10.15373/22778179/oct2012/7.

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M, Prakash. "A Study on Consumer Perception Towards Digital Payment." East Asian Journal of Multidisciplinary Research 1, no. 6 (2022): 1033–44. http://dx.doi.org/10.55927/eajmr.v1i6.688.

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The digital economy, electronic commerce and electronic banking are now being used by the new technologies and the wider global network, especially internet, within and outwardly. Increasing use of internet, electronic devices and government initiative such as digital India with a vision to transforming India into digital society by cashless transaction. After demonetization in India the digital payment system emerged tremendously. In recent days many changes took place in the payment system like digital wallets, UPI, AEPS, QR code and BHIM apps for smooth shift to digital payments. The study

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Vidya, M., and V.T. Shailashri. "A Study on Evolving Digital Transformation in Indian Banking System." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 5, no. 1 (2021): 116–30. https://doi.org/10.5281/zenodo.4781901.

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Purpose: Industry analysis gives a broad idea of industry in terms of its objectives, resources as inputs and functions, products &services as output. In this paper, we have studied various electronic payment systems practiced by the banking industry like card payments NEFT, RTGS, IMPS, and UPI. Analysis has been done on the value &volume, growth of these digital payments over the last 5years. A comprehensive analysis of the evolving digital payments using the ABCD model is performed. Design/methodology /Approach: This industry analysis is the conceptual research case study. Analysis o

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T, Suganya,. "A Study on Digital Payments and User Experience." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34349.

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This paper aims to examine the use of online payment or electronic payment system (EPS) due to various benefits of using online payment method for both the business and the user. Digitalization is a new trend in banking sector all over the world. Digitalization involves total control over the customer experience, management of all existing and future consumer needs, and development of an appropriate financial framework. Digital payments in India are a promising success. The financial institution must be customer friendly. For the purpose of the study on digital payments and user experience pri

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Mukta, R. T., Z. Rayhan, and O. Faruq. "The impact of a cashless electronic payment system on hyperinflation in Bangladesh." Современные инновации, системы и технологии - Modern Innovations, Systems and Technologies 4, no. 4 (2024): 0101–24. http://dx.doi.org/10.47813/2782-2818-2024-4-4-0101-0124.

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The increase of electronic payment methods, or payments that don't include the use of currency has transformed financial transactions. Non-cash transactions are convenient, simple, and fast, among other benefits. Furthermore, payments without cash have an effect on Bangladesh's currency management. The practicality that comes with using transactions without cash causes the velocity of money to increase. The society has seen a decline in payments in cash, yet the velocity of currency causes an intense pace when transactions without cash are used. It is thought that increased money transmission

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AllahRakha, Naeem. "Legal analysis of the law of the republic of Uzbekistan "on payments and payment system"." Tsul legal report 5, no. 1 (2024): 38–55. http://dx.doi.org/10.51788/tsul.lr.5.1./wajr6426.

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This paper examines Uzbekistan's legislation governing payments and payment systems, Law No. LRU-578, enacted on November 1, 2019. It provides background on the law's objectives of regulating relationships around payment services among individuals and entities. The aim is to assess key provisions concerning system operators, participant roles, licensing, risk management, settlement finality, electronic money, security protocols, and Central Bank oversight. Methodologically, the law's text is reviewed to summarize directives and elucidate concepts. Results detail defined terms, system categoriz

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Khan, Imran. "The Electronic Payment Systems in a Developing Economy with Reference to Guyana." TEXILA INTERNATIONAL JOURNAL OF MANAGEMENT 8, no. 1 (2022): 26–35. http://dx.doi.org/10.21522/tijmg.2015.08.01.art003.

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The general intention of this Publication is to feature Electronic Payment Systems in a Developing Economy with reference to Guyana and the bearing comprising the advantages in cultivating payment systems while heightening safety, the efficiency of payments, and cost savings. The continuous transformation of a developing economy’s payments system will support monetary growth through the fiscal system for its sustainability and enables proficient financial interposition. This publication further highlights the need for frequent evaluation and supervision for the continuous modernization of elec

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Svintsov, Oleksandr M., and Bohdan Ya Zvarych. "Regulatory Functions of State Institutions in the Modernization of the Electronic Payment Market in Ukraine." Business Inform 3, no. 566 (2025): 298–304. https://doi.org/10.32983/2222-4459-2025-3-298-304.

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The article explores the directions of implementing regulatory functions of the State in the process of modernizing the electronic payment market in Ukraine. It is noted that the main vectors of modernization include strengthening regulatory control by State institutions, introducing innovative technologies, improving payment infrastructure, stimulating competition, and expanding access to financial instruments for broad segments of the population. It is underlined that one of the key directions of modernizing the electronic payment market in Ukraine is the implementation of innovative technol

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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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Lambongang, James Mado. "Assessing the Customer Behaviour in Relation to Electronic Payment Systems (EPS) in Some Ghanaian Banks in the Kumasi Metropolitan Assembly- Kumasi, Ghana." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 3 (2023): 156–77. http://dx.doi.org/10.21522/tijar.2014.10.03.art013.

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Although other payment methods are available, like card, cheque, mobile, and online payments, most Ghanaians still use the cash payment system. The study examined how Ghanaian customers felt about using electronic payments. These included determining thesector andctors that influence consumer adoption and use of electronic payment services in Ghanaian banks, examining customer satisfaction with e-payment in the banking sector, and preventing fraud. A sample size of 100 participants was chosen for the study using purposive sampling to select participants from the banks and systematic sampling t

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Usman, Mohammed, Etemi Joshua Garba, and Usman Idris Ismai’il. "Neuro-Fuzzy Models for Electronic Banking Fraud Detection and Prevention: A Review of Recent Advances." International Journal of Research and Innovation in Applied Science IX, no. VII (2024): 406–14. http://dx.doi.org/10.51584/ijrias.2024.907037.

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Online payments have evolved over the years. Today, more people are choosing electronic payments platforms over method traditional banking. From POS, mobile banking, to virtual banking services, there are lots of trends to facilitate seamless payments for customers. However, electronic fraud is affecting Nigeria’s financial system, costing the economy dearly and holding back the adoption of cashless technologies due to rise in fraudulent activities. This work focused on informing and helping the public to understand payment fraud issues occurring on various channels, as well as aid financial i

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Sylvester Afaha, John. "Electronic Payment Systems (E-payments) and Nigeria Economic Growth." European Business & Management 5, no. 6 (2019): 77. http://dx.doi.org/10.11648/j.ebm.20190506.11.

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Adil. O. Y. Mohamed. "Intelligent Blockchain-Based Secure Framework for Transaction in Mobile Electronic Payment System." International Journal of Interactive Mobile Technologies (iJIM) 17, no. 04 (2023): 37–46. http://dx.doi.org/10.3991/ijim.v17i04.37671.

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The rate of smartphone purchases is rising daily, and mobile payments are now frequently accepted in various areas. It is essential to transfer money completely safe as well as quick. The encrypted distributed ledgers function provides verified real-time transaction confirmation without the necessity for intermediaries like banks and clearinghouses; blockchain provide quick, secure, decentralized, and inexpensive transaction services. Blockchain technology makes money transfer simpler with transparency and financial data security. Through these capabilities, blockchain has attracted interest f

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Sapna and Kumar Neelabh Dr. "An Exploratory Study On Indian Customer's Satisfaction With Cashless Transactions Through Digital Payments." International Researcher's Journal Volume-XII, ISSUE-4 (2025): 54–67. https://doi.org/10.5281/zenodo.15297598.

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<strong>Abstract:</strong> <em>This paper explores customer satisfaction towards digital payments and understand dependability in cashless transactions.  The main purpose of this study is to find out the customer satisfaction towards cashless transactions with the help of digital payments.  Today technology playing vital role in all segments and even no exception in the banking and trade sectors. Digital payments means, the transfer of value of money from one payment account to another payment account using electronic devices like mobile phones, POS (Point of Sales), internet banking

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Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. "Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan di Indonesia Selama Pandemi Covid-19." Ecoplan 6, no. 2 (2023): 145–54. http://dx.doi.org/10.20527/ecoplan.v6i2.676.

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A country's payment system plays an important role in the country's economic development. In recent years, economic transactions have been carried out digitally or without cash worldwide, including in Indonesia. Digitalizing the payment system means switching from a paper-based payment system to a digital/electronic one. Digital payments offer speed, lower fees, and convenience. A well-functioning digital payments system is critical to a country's overall economic performance, monetary policy, and financial stability. This study aims to determine the effect of digital payments on economic grow

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Khodzytska, Valentyna. "Electronic money in Ukraine:features and accounting with consideration of the factor of war." Scientific notes, no. 33 (December 25, 2023): 181–87. http://dx.doi.org/10.33111/vz_kneu.33.23.04.15.103.109.

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The main trends of electronic money development are investigated in the article, in particular the basic changes in the number of electronic wallets, the volume of transactions with electronic money in the conditions of martial law. The main advantages of using electronic payments by users are highlighted and the reasons for increasing trends of using electronic money are listed. It is convenience thanks to simple functionality, ease of use on the Internet, reduction of cash in circulation, ensuring control of cash flows and creation of payment infrastructure. As a result of the concept of «el

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Khanin, I. H., and Y. O. Sopin. "Electronic Payment Systems: Operation Peculiarities and Economic Efficiency Assessment." PROBLEMS OF ECONOMY 4, no. 50 (2021): 173–80. http://dx.doi.org/10.32983/2222-0712-2021-4-173-180.

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The PayTech sector, which is transforming payment methods, has become one of FinTech's largest segments. Electronic payment systems (EPS) are developing actively and acquiring certain specific features, which are important for their creation and refinement. The achievement and maintenance of the EPS economic efficiency is the fundamental prerequisite for their sustainable development, which fact is especially important for payment services providers. The article is aimed at clarifying the nature and structure of EPS, and singling out the features of their functioning and the basis for assessin

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Qiu, Fenghua, and Yunqian Tan. "Discussion on the Development of Mobile Payment Technology in the Era of Digital Economy- Taking Tencent as an Example." BCP Business & Management 36 (January 13, 2023): 135–41. http://dx.doi.org/10.54691/bcpbm.v36i.3400.

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Mobile payment means that mobile clients use mobile phones and other electronic products to make electronic currency payments. Mobile payment effectively combines the Internet, terminal devices, and financial institutions to form a new payment system. Mobile payment can not only make monetary payments, but also pay for living expenses such as phone bills, gas, water and electricity. Mobile payment has created a new way of payment, making electronic money popular. At present, the two-dimensional code has many drawbacks, and the addition of the blockchain can reduce the shortcomings of the two-d

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Arya, Hema. "A Study to Assess the Impact of Digital Payment in India." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem48392.

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The payment solutions were made easier after the demonetization which led people to use more online payments and even made mobiles an essential part of the payment methods hence the need for technological advancement was met strongly .Social factors such as availability of mobile phones and computers plus government policies such as ‘digital India have enhanced the growth of the economy in regards to the utilization of electronic payment systems .Trust in the official economy is boosted by the increased transparency brought about by the switch to digital payment methods .In recent years, many

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Rahimah, Afiatur, and Pitri Yani. "THE EFFECTIVENESS OF QRIS PAYMENTS IN AN ISLAMIC PERSPECTIVE BASED ON PADG NO.24/1/PADG/2022." An Nuqud 2, no. 1 (2023): 34–39. http://dx.doi.org/10.51192/annuqud.v2i1.426.

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Kendari city is a religious city, this is marked by the many mosques built in every corner of the city, one of the mosques that has become an iconic place for the people of Kendari city is the al-alam mosque which was built in 2010 which features beautiful views, the al- Alam is located in the middle of the Kendari Bay sea so that it gives a different feel from other mosques in the city of Kendari, the Al-Alam Mosque is a religious tourism destination that is often visited by both local and foreign tourists. The payment system cannot be separated from the development of money, which started fr

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Syah Putra, Arman, Mety Titin Herawaty Mety Titin Herawaty, and Nurul Aisyah Nurul Aisyah. "The Effectiveness Of Using E-Money On The Smart Transportation Payment System In The City Of Jakarta." International Journal of Educational Research & Social Sciences 3, no. 1 (2022): 360–66. http://dx.doi.org/10.51601/ijersc.v3i1.284.

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The background of this research is how to find out the effectiveness of the use of electronic money that is applied to the transportation system so that it can help the payment system to be more sophisticated and can help the wider community in making payments quickly in various sectors. The method used in this study is to use the literature review method and use quantitative methods, which use survey tools, with a survey, the data will be confirmed as real data, which can be useful in data processing so that you can find out the results of the data in field. The problem raised in this researc

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Bátiz-Lazo, Bernardo. "Electronic value exchange: origins of the Visa electronic payments system." Business History 54, no. 5 (2012): 821–23. http://dx.doi.org/10.1080/00076791.2012.675033.

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Gayathri, A., and P. Shanmugam. "Digital Payment A Way Forward for Urban Dwellers." Shanlax International Journal of Arts, Science and Humanities 10, no. 4 (2023): 6–10. http://dx.doi.org/10.34293/sijash.v10i4.5960.

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A Digital payment, sometimes called an electronic payment is the transfer of value from one account to another using a digital medium. Digital payment has provided opportunity for India to empower its people and make them to use it and overcome the outdated banking system. Digital payments have changed people’s financial behaviour. Now days online becomes daily part of our lives, mainly because it is so convenient. It offers payments satisfaction, convenience, time savings, safety, availability of various vendors and services to the customer. Majority of the vendors prefer G-pay. Students and

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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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Dr., P. Sabarinathan, and Vadivelmurugan S. "CONSUMER SATISFACTION TOWARDS ONLINE ELECTRICITY BILL PAYMENT SYSTEM (A STUDY WITH SPECIAL REFERENCE TO POLLACHI TALUK)." International Journal of Current Research and Modern Education 3, no. 1 (2018): 27–30. https://doi.org/10.5281/zenodo.1145482.

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Online payment systems remain a major factor in today’s e-commerce sector. Because businesses are expanding globally and also offering online options, the need for alternative forms of payment are quite significant. An e-commerce payment system facilitates the acceptance of electronic payment for online transactions. Also known as a sample of Electronic Data Interchange (EDI), e-commerce payment systems have become increasingly popular due to the widespread use of the internet-based shopping and banking. E-payments services are a convenient and efficient way to do financial transactions.

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Abada, Abderraouf, Messaoud Boukhalfi, Mohammed Abderrahmane Bentadjine, and Abdelfattah Daoudi. "The Role of Financial Technology in Promoting Digital Finances in Algeria (2016-2024)." Oblik i finansi, no. 4(106) (2024): 5–14. https://doi.org/10.33146/2307-9878-2024-4(106)-5-14.

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The financial technologies are changing the approach to service delivery in the banking sector. These technologies reduce costs, increase speed, security, and transparency, and enable safer financial services. They also pave the way for financial inclusion by expanding and generalizing financial services, making them accessible to a larger segment of society, particularly those who do not use the traditional financial and banking system. This study aimed to clarify the extent of financial technology's contribution to achieving digital financial inclusion in Algeria through electronic payment m

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Ahmed, Abdulkarim Talib, and Dawood Salman Aymen. "Development of an electronic payment system using the Internet of things." IAES International Journal of Robotics and Automation (IJRA) 11, no. 3 (2022): 213–22. https://doi.org/10.11591/ijra.v11i3.pp213-222.

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Smartphone has become more widely used than ever and become necessary to develop electronic payment systems using the internet of things (IoT) techniques with the smartphone. Payment solution is one of the most important issues in the IoT. It is the future to make life easier and better through the new relationships will be commercial, requiring payment for services and products. This paper develops a prototype of a payment system consisting of a network from several interconnecting devices such as radio frequency identification (RFID) reader, RFID card tag, equipped with microprocessors NodeM

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