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Journal articles on the topic 'The concept of an electronic payment instrument'

Author: Grafiati

Published: 24 April 2022

Last updated: 30 July 2025

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1

Abdulfattah, M. Rizky Wady, and Rachmat Rizky Kurniawan. "Uang Elektronik Dalam Perspektif Islam." JURNAL EKONOMI DAN PERBANKAN SYARIAH 6, no. 1 (2019): 90–106. http://dx.doi.org/10.46899/jeps.v6i1.89.

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Payment system into non-cash payment form is more efficient and economical. Electronic money arises as an answer to the community's need for a micro payment instrument that is expected to make the payment process faster, more efficient and safer at a relatively cheaper cost, but not all electronic money issued in accordance with the concept of sharia. This study is intended to find out electronic money in Islamic perspective on the contract and sharia principles applied to electronic money transactions. This research uses descriptive method using library learning method, that is studying theor

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2

Vozniuk, Andrii A., Andrii V. Savchenko, Tetiana Yu Tarasevych, Olexandr O. Dudorov, and Olga A. Klymenko. "Electronic Money and Payments as Means of Committing Crimes." Academic Journal of Interdisciplinary Studies 9, no. 4 (2020): 150. http://dx.doi.org/10.36941/ajis-2020-0069.

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The article deals with the main problems of criminal characteristics of electronic money and payments as instruments of crime. The article reveals the economic and legal nature of electronic money (e-money). The features of e-money and its relation to electronic payments are identified. It is proved that intensive development of the IT sector results in an increasing replacement of cash by cashless methods of payment, and e-money is required for making payments online. E-money is previously created in all cases where they are stored on an electronic device and are used as means of payment, the

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3

Panova, Liudmyla, and Vitalii Makhinchuk. "THE CIVIL LAW NATURE OF ELECTRONIC MONEY." Baltic Journal of Economic Studies 6, no. 1 (2020): 100. http://dx.doi.org/10.30525/2256-0742/2020-6-1-100-104.

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The purpose of the article is to examine the civil law nature of electronic money. The subject of the research is the features of the civil law nature of electronic money. Methodology. Research methods are chosen based on the object, subject and purpose of the study. The study used general scientific and special methods of legal science. Thus, the analysis and synthesis method as well as the logical method were used to formulate a holistic view on electronic money, their features and legal nature. The logical-semantic method was used to establish the meaning of the concepts “electronic money”,

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4

Ridwansyah, Mohd Shahril Ahmad Razimi, Ersi Sisdianto, and Okta Suprianingsih. "Central Bank Digital Currency (CBDC): An Innovation in E-Payment for Socio-Entrepreneurship." PaperASIA 40, no. 2b (2024): 93–104. http://dx.doi.org/10.59953/paperasia.v40i2b.73.

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The quantity of electronic currency in circulation within the community experienced a substantial increase between 2017 and 2022. However, the quantity of electronic currency in circulation in 2021 has declined compared to 2020 and 2022. Furthermore, the emergence of central bank digital currency (CBDC) as a digital currency has problems that cannot be avoided; these problems arise from policies or regulations and understanding of the public and business people and are related to the security of digital currency users. The Bank of Indonesia deems it imperative to address this by implementing s

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Dziubliuk, Oleksandr. "Optimization of the structure of modern money circulation in the context of the role of cash payments." Herald of Economics, no. 3 (October 21, 2022): 78. http://dx.doi.org/10.35774/visnyk2022.03.078.

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Introduction. The dynamics of the economic development of any country largely depends on the state and efficiency of money circulation, the functioning of which could not be untouched by modern trends of virtualization of the economic environment and digitalization of interaction between market entities. Under such circumstances, determining the role and place of cash payments in the general system of monetary relations, the development of which is significantly influenced by digital technologies, should be considered as an urgent task in the view of maintaining the stability of monetary circu

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Madykhanova, K. A., Zh D. Serikbaeva, and A. Z. Chivazova. "Features of electronic money and financial technology development." Bulletin of "Turan" University, no. 2 (June 28, 2024): 9–24. http://dx.doi.org/10.46914/1562-2959-2024-1-2-9-24.

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The development of financial technologies at the present stage leads to the spread and active use of electronic money in national payment systems, which provide a convenient and secure way to carry out fast financial transactions without the need to use cash. Due to this main advantage, the use of electronic money has become widespread in a short period. Digital payment instruments provide users with the flexibility and access to make transactions anytime and anywhere, but at the same time, the development of electronic money circulation is also associated with some problems and the need to im

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Norouzi, Nima. "Legal Analysis of the Nature of Cyber Currency in Iran: A Comparison to EU Law." Indonesian Journal of Law and Society 2, no. 2 (2021): 165. http://dx.doi.org/10.19184/ijls.v2i2.26660.

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Electronic money as the monetary value stored in an electronic instrument is the last step in the gradual evolution of money, described as the immaterialization and invisibility of money. It is an emerging phenomenon that can perform the functions and duties of money. This study aimed to investigate the legal concept of cyber currency in Iran-Islamic and EU law in a comparative view. This study mainly considered e-money as a payment method and discusses it from different perspectives. In analyzing the legal nature of this phenomenon, it used two different approaches by combining an empirical-a

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8

DOBRYNINA, L. V. "THE ROLE OF CRYPTOCURRENCY IN THE DIGITAL ECONOMY." REVIEW OF TRANSPORT ECONOMICS AND MANAGEMENT, no. 10(26) (March 31, 2024): 214–17. http://dx.doi.org/10.15802/rtem2023/300694.

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Goal The article examines the concept of "cryptocurrency", substantiates the popularity of this new type of financial instrument in the economic space, highlights the main features of cryptocurrency as a type of virtual money and its impact on the economic system. Methodology. The following key features of cryptocurrency are highlighted: payment for goods and services; minimum level of impossibility of abduction; payments, fast and direct transactions; investment asset; business development on cryptocurrency, the functional roles of cryptocurrency in the digital economy are considered, trends

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9

Тагієва, Нігар, та Жала Умудова. "СТАН РОЗВИТКУ РИНКУ ЦИФРОВИХ ГРОШЕЙ В АЗЕРБАЙДЖАНІ". TIME DESCRIPTION OF ECONOMIC REFORMS, № 4 (4 січня 2025): 67–72. https://doi.org/10.32620/cher.2024.4.08.

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The study of the prospects for the development of electronic currencies in the Republic of Azerbaijan is important in the context of the growing popularity of digital technologies and the expansion of electronic payments worldwide. Electronic money, also known as cryptocurrencies, represents a new type of payment instrument that is becoming increasingly widespread and popular in many countries, including the Republic of Azerbaijan. The significance of this topic is driven by the increasing global interest in the use of electronic money, including in Azerbaijan. In the rapidly evolving landscap

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Hassan, Amina Abdullahi, and Samson Paul Nyang’au. "Electronic Procurement Practices and Performance of Logistics Firms in Nairobi City County,Kenya." International Journal of Social Science and Humanities Research (IJSSHR) ISSN 2959-7056 (o); 2959-7048 (p) 2, no. 1 (2024): 318–28. http://dx.doi.org/10.61108/ijsshr.v2i1.91.

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The general objective of this study was to examine the relationship between e-procurement practices and performance of logistic firms in Nairobi County. The study was guided by the following specific objectives: to ascertain how E-tendering affects performance of logistics firms in Nairobi County, to determine the effect of E-invoicing in the performance of logistics firms in Nairobi County, to what extent E-Payment affect performance of logistics firms in Nairobi County and finally to establish how E-sourcing affect performance of logistics firms in Nairobi County. The study used descriptive

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Shumilova, Victoria. "The Digital Ruble of the Bank of Russia as a New Form of National Currency." Legal Concept, no. 2 (July 2022): 156–62. http://dx.doi.org/10.15688/lc.jvolsu.2022.2.20.

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Introduction: in recent years, significant changes have taken place in Russian and international law in the sphere of monetary circulation, primarily due to the rapid pace of global digitalization of the economy, where the development and implementation of national digital currency is one of the priorities in the development of information and payment technologies in many countries. Being a new form of the Russian national currency which will be issued digitally and whose stability of functioning and circulation will be provided by the state represented by the Central Bank of the Russian Feder

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12

Vakhaeva, Diana A., and Aza R. Ismailova. "A STUDY OF THE EVOLUTION OF CRYPTOCURRENCIES IN THE VIRTUAL FINANCIAL SERVICES MARKET." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/3, no. 156 (2025): 110–16. https://doi.org/10.36871/ek.up.p.r.2025.03.03.014.

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The article analyzes financial instruments in the virtual financial services market. The concept of “cryptoactive” is clarified, the differences between cryptocurrencies and electronic money are considered, and the main advantages and disadvantages at the current stage of development of the virtual financial market are highlighted. The cryptocurrency market is characterized by instability, but it is constantly evolving under the influence of financial innovations that complicate its economic nature. This type of virtual asset continues to evolve and is gaining legal status in some countries th

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13

Sayuti, Muhammmad Noor, та Wijaya Wijaya. "E-MONEY DITINJAU DARI DIMENSI MAQĀṢID AL-SYARĪ’AH". JURNAL AL-QARDH 3, № 1 (2019): 13–27. http://dx.doi.org/10.23971/jaq.v3i1.1182.

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The increasing popularity of technology-based pasyment system substanstially changes conventional payment system design from cash payment system to non-cash payment system. Gradually, the expansion is impressive enough to change paradigm of economist in micro-transaction settlement, as well as becoming the root of Less Cash Society spirit creation.One of the instruments of non-cash payment which has been a trend today is E-money.It is an electronic-based non-cash payment. Some studies showed that there was a positif impact to monetery policy earned from this trend, its influence in the level o

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14

Saifullina, Yu M., G. S. Serikova, M. A. Assanova, G. N. Amirova, and S. Sh Akenov. "Digital payment technologies and interbank clearing in the Republic of Kazakhstan in terms of digitalization." Bulletin of the Karaganda university Economy series 102, no. 2 (2021): 92–98. http://dx.doi.org/10.31489/2021ec2/92-98.

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Object: To analyze background and implementation conditions of national digital currency in Kazakhstan in the conditions of digitalization and forecast the development of digital money in Kazakhstan using economic and statistical modelling. To develop the electronic money circulation system, second-tier banks, which are the main subjects of the financial market, provide remote services, develop strategies for general development, which prescribe rational ways to attract customers to remote service, apply modern technologies and improve the system of cashless money circulation, both nationally

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15

Apal'kova, V. V. "The concept of the digital economy in the European Union and the prospects of Ukraine." Bulletin of the Dnipropetrovsk University. Series: Management Of Innovations, no. 4 (April 20, 2015): 9–18. https://doi.org/10.15421/191502.

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Global informatization, manifestations of which are characteristic for the past decades, became the basis of the formation of the new model of the economy – digital economy, which became the development strategy of the most developed countries of the world. In Ukraine there is not any consistent tactic of building up a national digital economic business space as yet. Therefore, the purpose of the article was to substantiate theoretically the essence of digital economy and its conceptual reflection in the economic policy of the EU, as well to analyze the status and specific features of the Ukra

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S., Merinova, and Polovenko L. "THE ROLE OF CRYPTWALTH IN THE DIGITAL ECONOMY." Scientific Bulletin of Kherson State University. Series Economic Sciences, no. 42 (June 25, 2021): 80–87. http://dx.doi.org/10.32999/ksu2307-8030/2021-42-12.

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Today's situation of global development of the cyber economy and the spread of digital technologies have contributed to the creation of a new asset – digital cartographic currency, which is rapidly gaining popularity. Most scientists understand crypto-currency as digital money that is encrypted and protected by special algorithms that operate independently of the central bank. Cryptocurrency differs from electronic money primarily by the anonymity of its use. This state-of-the-art means of payment is gaining more and more popularity in use not only by individuals but also by legal entities aro

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17

Nada Effendi and Apridar Apridar. "Pengaruh Alat Pembayaran Non Tunai Terhadap Permintaan Uang Kartal Di Indonesia." MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi 2, no. 3 (2024): 01–11. http://dx.doi.org/10.61132/menawan.v2i3.502.

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The aim of the research is to evaluate the effect of using non-cash payment instruments on the demand for currency in Indonesia. Time series data is used in the time period 2009 to 2023 with monthly observations. The analysis approach uses the Error Correction Model (ECM) to assess the correlation between variables in the short and long term. The estimation results confirm that the use of ATM/debit cards has a positive and significant impact on the need for currency, both in the short and long term. In contrast, credit card use shows a negative and significant impact on the need for currency i

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18

Dehghan, Fariba, and Amirhossein Haghighi. "E-money regulation for consumer protection." International Journal of Law and Management 57, no. 6 (2015): 610–20. http://dx.doi.org/10.1108/ijlma-06-2014-0042.

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Purpose – The purpose of this paper is to analyze the regulatory framework of e-money transactions in terms of consumer protection approach, the base for regulatory and supervisory system. Design/methodology/approach – This research is based on descriptive-qualitative studies in electronic and cyber commerce. The authors have first explained the importance of regulation for consumer protection and have then showed the position of regulation in e-money; thus, the authors have noted two important and predominant concepts of consumer protection: safe arrangement in e-money and problem of informat

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19

Voievodina, Hаnna. "Definition of the concept of «virtual assets»: a comparative analysis of legislation and judicial practise of the European Union Countries." Slovo of the National School of Judges of Ukraine, no. 1(46) (July 29, 2024): 72–80. http://dx.doi.org/10.37566/2707-6849-2024-1(46)-7.

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The article analyzes the essence and legal nature of the concept of «virtual assets» as reflected in the legislation and case law of the EU countries. The value of the article lies in the study and legal analysis of the EU laws and case law regulating and defining the concept of «virtual assets». This article examines the main legislative acts regulating virtual assets, as well as important court decisions that affect the definition of this concept. Special attention is paid to the comparative analysis of laws and court practice in such EU countries as Poland, Italy, Estonia, Lithuania, German

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20

Salsabila, Sekar Salma, and Adi Sulistiyono. "URGENSI DIKELUARKANNYA PERATURAN BANK INDONESIA NOMOR 20/6/PBI/2018 TENTANG UANG ELEKTRONIK (E-MONEY) SEBAGAI ALAT PEMBAYARAN." Jurnal Privat Law 7, no. 2 (2019): 289. http://dx.doi.org/10.20961/privat.v7i2.39338.

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<p>Abstract</p><p>This article aims to know urgency issued of Peraturan Bank Indonesia Number 20/6/PBI/2018 about electronic money as the legal non-cash payment instrument. This research is normative legal research particulary prescriptive research. The data research are in the form of primary materials and secondary materials. The technique of collecting legal materials is literature study technique. The approaches in this research are legislation approach and concept approach. The conceptual framework is deductive. The results of the research urgency issued of Peraturan Ban

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21

Mekhovych, Y. "INTEGRATION OF DIGITAL FINANCIAL ASSETS INTO THE SETTLEMENT AND PAYMENT SYSTEM AND PREVENTION OF POSSIBLE RISKS (FORECASTING APPROACHES)." Energy saving. Power engineering. Energy audit., no. 11 (202) (February 16, 2025): 64–82. https://doi.org/10.20998/2313-8890.2024.11.05.

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Abstract. The article is devoted to the expectations regarding the integration of digital financial assets into the settlement and payment system and the prevention of possible risks. It is noted that experts and analysts claim that by 2030 we can expect the creation of an integrated financial system, where digital assets (CBDC, stablecoins, tokenized assets) coexist with traditional financial instruments. This means that the digital hryvnia can become an important element of this ecosystem. Experts also claim that by 2030 we can expect the creation of an integrated system, where digital asset

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TURCHYN, Nataliia, and Artem TURCHYN. "Legal regulation of cryptocurrency in Ukraine." Economics. Finances. Law, no. 5/1 (May 26, 2021): 26–29. http://dx.doi.org/10.37634/efp.2021.5(1).6.

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Introduction. Cryptocurrency is a relatively new financial market instrument, but due to a lack of the fundamental principles of the legal regulation and legal regulation of market of cryptocurrency, individuals and legal entities, who have at their disposal the virtual assets are effectively deprived of an effective way to protect their ownership of such assets. The following key features of cryptocurrency are outlined: lack of control and restrictions on financial transactions, anonymity, the possibility of using it as an investment tool, the speed of transactions, a high degree of security.

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Havva, Vitalii, and Mykola Haponiuk. "Digital financial assets: definition and classification." Economic Analysis, no. 33(3) (2023): 238–46. http://dx.doi.org/10.35774/econa2023.03.238.

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Introduction. The digitization of the economy began back in the 50s and 60s of the 20th century, but the term "digital assets" began to be actively used by financial market participants and scientists only after 2008, the impetus for which was the appearance of the so-called distributed ledger technology and the creation of the first cryptocurrency - bitcoin. However, today there is no comprehensive definition of the concept of "digital financial asset" that would fully reveal the essence of this term. Moreover, there is sometimes terminological uncertainty and confusion regarding the terms "c

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Shapoval, Yuliia. "Central bank digital currencies: experience of pilot projects and conclusions for the NBU." Ekonomìka ì prognozuvannâ 2020, no. 4 (2020): 103–21. http://dx.doi.org/10.15407/eip2020.04.103.

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An overview of the definitions of central bank digital currency (CBDC), formulated by researchers of the International Monetary Fund (IMF), the Bank for International Settlements (BIS), the Bank of England, is presented, and the essence of the CBDC is revealed. It is stated that the existing electronic money is a digital form of obligations of financial intermediaries, and CBDC is a form of emission and obligations of central banks. The types and forms of CBDC are generalized, namely: retail or wholesale, account-based or token-based ones. The structure and functionality of the register, payme

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Shapoval, Yuliia. "Central bank digital currencies: experience of pilot projects and conclusions for the NBU." Economy and forecasting 2020, no. 4 (2020): 97–115. http://dx.doi.org/10.15407/econforecast2020.04.097.

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An overview of the definitions of central bank digital currency (CBDC), formulated by researchers of the International Monetary Fund (IMF), the Bank for International Settlements (BIS), the Bank of England, is presented, and the essence of the CBDC is revealed. It is stated that the existing electronic money is a digital form of obligations of financial intermediaries, and CBDC is a form of emission and obligations of central banks. The types and forms of CBDC are generalized, namely: retail or wholesale, account-based or token-based ones. The structure and functionality of the register, payme

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26

Грицай, С. О. "Електронні гроші: поняття та нові аспекти використання". Форум права 74, № 1 (2023): 141–50. https://doi.org/10.5281/zenodo.7699522.

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<strong>Постановка проблеми</strong><strong>.</strong> Електронні гроші набули значної популярності в останні роки, оскільки пропонують низку переваг перед традиційними методами оплати. Однією з головних переваг є зручність. Електронні гроші дозволяють здійснювати прості та швидкі транзакції, часто з низькою комісією або без неї, що особливо привабливо для міжнародних транзакцій. Крім того, електронні гроші часто є більш безпечними, ніж традиційні методи оплати, оскільки вони захищені шифруванням та іншими заходами безпеки. <strong>Метою</strong> статті є визначення теоретичних засад і практич

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Korobova, L. A., S. S. Bondarenko, and D. P. Mukhin. "The principle of operation of a decentralized money transfer information system." Proceedings of the Voronezh State University of Engineering Technologies 84, no. 3 (2023): 337–44. http://dx.doi.org/10.20914/2310-1202-2022-3-337-344.

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The article is devoted to reviewing the concept of blockchain in the implementation of a decentralized money transfer system. The concept of fault tolerance of cryptocurrency technology is considered and some aspects of the fault tolerance solution are given. The analysis of information security of enterprises was carried out. The questions of anonymity of banking systems are touched upon. The dependence of the anonymity of the banking system on the quality of the software and on the security policy is shown. Recommendations are given for solving the problem of anonymity, in particular, genera

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Muravskyi, Volodymyr, Nataliia Pochynok, Oleh Reveha, and Liu Chengyu. "Accounting and control of foreign economic electronic transactions using cryptocurrencies." Herald of Economics, no. 4 (January 14, 2023): 44. http://dx.doi.org/10.35774/visnyk2022.04.044.

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Introduction. Digitization of socio-economic processes and the active development of information and communication technologies have led to the emergence of a new phenomenon - “cryptocurrency”, which requires the improvement of accounting and control of electronic transactions. The use of cryptocurrencies in electronic transactions is associated with six stages of their evolution from the accounting and control theory: 1) intangible assets, 2) stocks, 3) investment property, 4) financial instruments, 5) cash equivalents, 6) cash. Today, in international regulations, accounting and control poli

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Khavrova, K. S., and T. V. Korenitsyna. "CRYPTOCURRENCY AS A TYPE OF DIGITAL FINANCIAL ASSET." Visnyk of Donetsk National University of Economics and Trade named after Mykhailo Tugan-Baranovsky, no. 2 (75) 2021 (2021): 113–20. http://dx.doi.org/10.33274/2079-4819-2021-75-2-113-120.

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Objective. Theobjective of the study is to determine the essence of cryptocurrencies and substantiate them as a type of digital financial asset. Methods. Methods of synthesis and generalization, comparative and stochastic analysis are used to define the basic concepts of cryptocurrencies, their main types and substantiate cryptocurrencies as a type of digital financial asset. Results. In the process of studying the meaning of the term "cryptocurrency" it is explained as a financial instrument, a global means of payment, circulation and investment, a specific asset, digital (virtual) currency,

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Makarova, Mariana. "The influence of bitcoin ecosystem on digital economy." Economics, ecology, socium 2, no. 3 (2018): 35–44. http://dx.doi.org/10.31520/2616-7107/2018.2.3-4.

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Introduction. Bitcoin is a digital, decentralized, partially anonymous currency, not supported by any government or legal entity and not provided with gold or other goods. It relies on a peer-to-peer network and cryptography to maintain its integrity. The proponents claim that Bitcoin has many properties that could make it an ideal currency for consumers and merchants in a modern digital economy. Aim and tasks. The purpose of article was to determine and analyze impact of Bitcoin ecosystem on global digital economy. The research objectives were as follows: to specify the concept of Bitco

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Wasiaturrahma, Wasiaturrahma, and Anita Lucky Kurniasari. "ELECTRONIC PAYMENT AND ECONOMIC GROWTH IN INDONESIA." Journal of Developing Economies 6, no. 2 (2021): 287. http://dx.doi.org/10.20473/jde.v6i2.24923.

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The purpose of this study is to investigate the effect of non-cash payment transactions on economic growth in Indonesia and to see the responses from supporting variables, such as the velocity of money and the price of transactions. This study involves a Vector Error Correction Model (VECM) analysis tool, using monthly time series data during 2009: 1 – 2017: 12. The results show that the payment instrument affects economic growth, especially the Card-Based Payment Instrument (CBPI). In addition, there are changes to the velocity of money and prices caused by the increase in the use of non-cash

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Rizaldi, A., and F. A. Faruqi. "Electronic Wallet as a Payment Transaction Instrument." IOP Conference Series: Materials Science and Engineering 879 (August 7, 2020): 012127. http://dx.doi.org/10.1088/1757-899x/879/1/012127.

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Marit, Alexandru. "Concepts and typologies regarding operations and transactions carried out through bank cards." Vector European, no. 1 (June 2025): 129–36. https://doi.org/10.52507/2345-1106.2025-1.20.

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The study consists in determining the aspects regarding the way to regulate the activity with bank cards, the innovative aspects in the field of cashless payments, the analysis of modern instruments that ensure the speed and quality of transactions; identification of the main factors that determined the increase in the number of bank card frauds; establishing some solutions/measures to reduce credit card fraud; the implementation of systems regarding the warning of customers and even the suspension of certain apparently dubious transactions; improving the security features of banking websites;

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Marcinauskaitė, Renata, Tomas Girdenis, and Marius Laurinaitis. "The concept of a technology neutral payment instrument in criminal law." Entrepreneurship and Sustainability Issues 8, no. 1 (2020): 917–28. http://dx.doi.org/10.9770/jesi.2020.8.1(61).

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Utami, Meinarini Catur. "IMPLEMENTASI ANALYTICAL HIERARCHY PROCESS (AHP) DALAM PEMILIHAN E-WALLET UNTUK MAHASISWA." Jurnal Ilmiah Matrik 21, no. 3 (2019): 259–65. http://dx.doi.org/10.33557/jurnalmatrik.v21i3.730.

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Abstract: An electronic wallet is an electronic service to store the data of the payment instrument, such as a payment instrument using the card and/or electronic money, which can also accommodate the funds, to make the payment. The number of similar applications of electronic wallets available in Indonesia leads to confusion of which applications offer many advantages, easy to use and guaranteed transaction security. By using the Analytical Hierarchy Process (AHP) method to conduct research on three popular electronic wallet applications in Indonesia, especially among students, Dana, Go-Pay,

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Kaczmarek, Patryk. "Central Bank Digital Currency: Scenarios of Implementation and Potential Consequences for Monetary System." Journal of Central Banking Theory and Practice 11, no. 3 (2022): 137–54. http://dx.doi.org/10.2478/jcbtp-2022-0027.

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Abstract Computerization of social life enabled market participants to search for new forms of electronic payments. The share of cash in total payments is systematically decreasing, which poses the risk of being supplanted by other instruments, including cryptocurrencies. Central banks, therefore, faced the challenge of adjusting their issuing activities to the current social and market conditions, which resulted in the emergence of the concept and discussion of the introduction of digital cash. The purpose of this paper is to examine the abovementioned issues and indication of potential scena

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Manzhula, O. O., and E. G. Soloviev. "The Concept of the MirTokens Cloud Service." Informacionnye Tehnologii 28, no. 2 (2022): 81–86. http://dx.doi.org/10.17587/it.28.81-86.

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The concept of the MirTokens cloud service is proposed, which allows implementing the idea of issuing digital bills by individuals and legal entities that give the holder the right to receive a guaranteed fixed amount of money, goods or services. The introduction of the service will allow the introduction of a universal debt instrument into circulation, which will allow participants to make transactions with guaranteed and, possibly, deferred payment, including between employers and their employees.

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Niam, Siti Khozinatun, and Muhammad Haris Hidayatulloh. "E-Money sebagai Instrument Pembayaran Micro Payment Dalam Perspektif Maqashid Syariah." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 1 (2022): 131–41. http://dx.doi.org/10.47467/alkharaj.v6i1.2569.

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 The current rapid development of technology has penetrated all aspects, including financial institutions with the existence of e-money digital financial services. The use of E-money as a payment system has shifted payment methods from cash to non-cash by the general public and Muslims. Then it is necessary to carry out a sharia review related to the use of e-money regarding the mechanism for using e-money, the contract used, and a review of sharia maqasyid. The type of research used is library research using descriptive analysis techniques. The results of the Electronic Money Transactio

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Boranukov, Aleksandr M. "On Qualifying Crimes Committed with Electronic Means of Payment." Ugolovnaya yustitsiya, no. 16 (2020): 7–9. http://dx.doi.org/10.17223/23088451/16/2.

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Crimes committed with electronic means of payment undermine the financial system stability and economic security of the state. The preliminary investigation bodies may qualify unlawful mercenary taking and conversion of another person’s property using an electronic means of payment, including a debit or credit card, as fraud or theft depending on the criterion of secrecy. Larceny of the payment instrument must be regarded as preparation, attempted or completed crime depending on the possibility to manage the victim’s bank account and its implementation, since the sums of money are placed (stor

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USMAN, RACHMADI. "KARAKTERISTIK UANG ELEKTRONIK DALAM SISTEM PEMBAYARAN." Yuridika 32, no. 1 (2017): 134. http://dx.doi.org/10.20473/ydk.v32i1.4431.

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Payment transactions with electronic money were conducted by transferring the fund electronically to merchant terminal, which would directly subtract the value of electronic money on electronic device managed by the owner. The characteristic of electronic money are as follows: to be deposited in advance to the issuer; the sum of money is electronically deposited in a particular medium, it can be card or other communication instrument; its function is as a non cash payment instrument to merchant not to the issuer of electronic money; and the sum of electronic money does not constitute saving pr

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Anurahman, Datice, Bambang Agus Pramuka, and Negina Kencono Putri. "Systematic Literature Review of Electronic Zakat Payment." OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah 4, no. 1 (2023): 38–51. http://dx.doi.org/10.53491/oikonomika.v4i1.654.

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Indonesia has 235.53 million Muslim population, making up 86.88% of the country's total population. In this regard, an online zakat financial instrument is helpful to ensure equal income and alleviate poverty. This study aims to examine the effectiveness of electronic zakat payment and the factors optimizing the electronic zakat payment. This systematic literature review examines articles in a structured and systematic manner. The data sources of the study were secondary data obtained from several previous studies. The study found that online zakat payment has not been conclusive due to severa

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Lebia Patricia, Nwidua. "Electronic Payment System and Customer Patronage of shopping Malls in South -South Nigeria." British Journal of Management and Marketing Studies 8, no. 1 (2025): 167–84. https://doi.org/10.52589/bjmms-dof2meyv.

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This study was established to determine the extent to which electronic payment system has improved customers’ patronage of shopping malls in South-South zone of Nigeria. A descriptive survey research method of co-relational research design was employed in this study. The population of the study consisting of 77 registered shopping malls in the South-South Zone of Nigeria from which target population 6890 managers and sale persons were drawn. The Taro Yamane’s formula was used to determine a sample size of 378 managers and sales personnel for the study. A purposive sampling technique was adopte

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Agustiawati, Putri Aulia, Sishadiyati icebgc, and Ni Made Nadia Resmarani. "Analysis of the Impact of APMK & UE as a Non-Cash Payment Instrument on Indonesia’s Economic Growth." Proceedings of International Conference on Economics Business and Government Challenges 6, no. 1 (2023): 242–47. http://dx.doi.org/10.33005/icebgc.v6i1.82.

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Rapid technological developments encourage payment systems to be more effective and efficient for the community. At this time the payment system has developed into a non-cash basis. The non-cash Payment System consists of Card-Based Payment Instruments, namely ATM/Debit Cards and Credit Cards, as well as Electronic Money (E-money). The purpose of this research is to find out whether the non-cash payment system affects economic growth in Indonesia. This research uses quantitative methods and secondary data obtained from Bank Indonesia and the Central Statistics Agency (BPS) for the 2009-2021 pe

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Sabrina, Adelina, Iskandarsyah Siregar, Salsabila, and Somadi Sosrohadi. "Lingual Dominance and Symbolic Power in the Discourse of Using the PeduliLindungi Application as a Digital Payment Tool." International Journal of Linguistics Studies 1, no. 2 (2021): 52–59. http://dx.doi.org/10.32996/ijls.2021.1.2.8.

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This study uses a qualitative method with a 3-dimensional Critical Discourse Analysis approach to N. Fairclough's model and Pierre Bourdieu's constructive structural theory to dismantle linguistic domination and symbolic power. The object of the research developed; the researcher took an object published in the online media portal owned by Tempo.co with the title "The Reason Luhut Wants to Care for Protect as a Digital Payment Instrument. The researcher aims to dismantle the concept of symbolic power in the discourse of using the PeduliLindungi application as a digital payment instrument, to e

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Putra, Geigiansyah Aulia, Hilda Yunita Sabrie, and Prawitra Thalib. "The Product Characteristic of Electronic Money from the Perspective of the Negotiable Instruments Law." FIAT JUSTISIA:Jurnal Ilmu Hukum 11, no. 4 (2018): 328. http://dx.doi.org/10.25041/fiatjustisia.v11no4.1110.

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The development of currency trading is not only using the cash as a payment instrument for a transaction. For example is the emergence of non-cash payments such as negotiable instruments. That type of instrument offers a more effective and safer way than using the cash. Along with the development of the technology, a non-cash payment innovation emerged, which characteristics, at a glance, similar to negotiable instruments, such as credit cards, debit cards, and electronic money products which gives a safer and more efficient way than using the cash for a transaction. Based on this, led to the

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Ratnawita, Ratnawita, Prihatina Jati, Tanti Widia Nurdiani, Elizabeth Elizabeth, and Nurlina Nurlina. "Comparative Analysis of Digital Wallet Usage of Millennials and Generation Z." International Journal of Information technology and Computer Engineering, no. 46 (October 1, 2024): 18–25. http://dx.doi.org/10.55529/ijitc.46.18.25.

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Today, the development of the digital world is so rapid, that humans have found many new tools and innovations to make daily activities easier. One of them is in buying and selling transactions. When you want to make a payment, you have a digital wallet, commonly called an electronic wallet (e-wallet). This research aims to analyze comparative analysis of digital wallet usage of millennials and generation Z. This type of research uses descriptive. Data collection in this study uses secondary data. Data analysis in this study uses comparative analysis. Research results show that digital wallet

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Rina, Kristina, Astutty Mochtar Dewi, and Wiwik Indrayanti Kadek. "Protection of Electronic Money Saving Customers At the Bank." International Journal of Social Science and Human Research 07, no. 07 (2024): 4923–31. https://doi.org/10.5281/zenodo.12679130.

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Currently developing again with the emergence of a new payment instrument in the form of a certain amount of money stored in an electronic media owned by someone, this payment instrument is known as Electronic Money. As a means of payment, the acquisition and use of Electronic Money (e-money) can be considered quite easy. Prospective holders or users only need to deposit a certain amount of money to the issuer or through issuing agents and the total value of the money will be digitally stored in electronic media. The problems raised in this paper are regarding the characteristics and status of

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Triajie, Reyne Amelia, and Munawar Ismail. "ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI (APMK DAN UANG ELEKTRONIK) TERHADAP MONEY MULTIPLIER." Journal of Development Economic and Social Studies 3, no. 2 (2024): 649–57. http://dx.doi.org/10.21776/jdess.2024.03.2.24.

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The increasing use of non-cash payment instruments in Indonesia, such as Card Payment Instrument (APMK) and electronic money, shows public awareness and confidence in switching from cash. This has an impact on the money multiplier. The money multiplier plays an important role in the formation of money supply and monetary control. The stability of the money multiplier can provide greater opportunities for Bank Indonesia to implement policies effectively in influencing the supply of money in circulation so the ultimate goal of monetary aggregates can be achieved and a conducive atmosphere for th

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Suryawati, Rindah Febriana, Septina Puspitasari, and Izmi Dwira Eriani. "The Effect of Electronic Payment Instruments on the Lifestyle of the Millennials in the Jabodetabek." TIJAB (The International Journal of Applied Business) 7, no. 1 (2023): 87–103. http://dx.doi.org/10.20473/tijab.v7.i1.2023.44342.

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Background: Electronic payment instrument provides easier medium of daily transaction among millennial. The ease of use of electronic payment leads to a need to investigate whether it has an impact on millennial generation lifestyle. Objective: This study aims to analyze the effect of using electronic payment instruments on millennial lifestyles. Method: Survey questionnaires were distribute in this study and resulted in 191 questionnaires to be analyzed using Structural Equation Modelling. Results: The results showed that there are positive and significant effect of convenience on activities,

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

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

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