Relevant bibliographies by topics / Wallets

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Wallets'

Author: Grafiati
Published: 4 June 2021
Last updated: 27 July 2025

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Journal articles on the topic "Wallets"

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Widyarini, Widyarini, and Lady Avisha. "Haram Statement on Digital Wallet Discounts; A Critical Approach." IQTISHADUNA 15, no. 2 (2024): 55–66. https://doi.org/10.20414/iqtishaduna.v15i2.11043.

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Smartphone and tech-savvy users, have a tendency to choose digital wallets instead of physical wallets. In addition to being practical, digital wallets offer many advantages such as: discounts, free shipping, cashback, so that users can shop more efficiently. The MUI fatwa on the use of the digital wallet discount law does not yet exist, so various opinions have emerged on its halal law. This research is a qualitative library research, with the aim of revealing about the halalness of digital wallets and the provision of discounts on digital wallets, so that users do not hesitate in using digit
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Ji, Pu. "The Advance of Cryptocurrency Wallet with Digital Signature." Highlights in Science, Engineering and Technology 39 (April 1, 2023): 1098–103. http://dx.doi.org/10.54097/hset.v39i.6714.

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This paper explains the composition of the cryptocurrency wallet by analyzing a wallet’s components, functions, categories, the algorithm of signing, and security features as three major components used in the constitute of the cryptocurrency wallet, private key, public key, and address are introduced from their generation process with specific Elliptic Curve Digital Signature Algorithm secp256k1 and Keccak hash function. A variety of crypto wallets are divided into different categories by their purpose of use, the form of display, and Internet connectivity, and multiple crypto wallets are exp
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Barakat, Samer, Qais Hammouri, and Khalil Yaghi. "COMPARISON OF HARDWARE AND DIGITAL CRYPTO WALLETS." Journal of Southwest Jiaotong University 57, no. 6 (2022): 380–86. http://dx.doi.org/10.35741/issn.0258-2724.57.6.36.

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This article compares hardware and digital wallets, a new technology method for storing cryptocurrencies such as bitcoin and Ethereum. The crypto wallets reside on a user’s computer or mobile device or can reside on a flash drive, as in the case of hardware wallets. The comparison method used is based on the security and integrity of both types of wallets. Additionally, the authors will look at the most important factors that should ensure a high level of social acceptability of the new hardware and digital wallets. The use of digital wallets manifests itself in various ways. The ease of use o
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Zada, Chrysilla, and Yunita Sopiana. "Penggunaan E- Wallet Atau Dompet Digital Sebagai Alat Transaksi Pengganti Uang Tunai Bagi UMKM di Kecamatan Banjarmasin Tengah." JIEP: Jurnal Ilmu Ekonomi dan Pembangunan 4, no. 1 (2021): 251. http://dx.doi.org/10.20527/jiep.v4i1.3556.

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This research is conducted to (1) find out how MSMEs encourage the development of E-wallets or Digital Wallets in Central Banjarmasin district; (2) analyze and find out how the impact of using E-wallet or Digital Wallet as a non-cash payment instrument for SMEs in Central Banjarmasin district. Research respondents are 30 MSMEs using Digital Wallet in Central Banjarmasin district who could be used for data processing. Data processing uses statistical formulas, data processing, and analysis that emphasize direct observation. The results of this study showing that MSMEs encourage the development
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Nusraningrum, Dewi, and Retno Yuniarsih. "ARE THERE ANY DIFFERENCES IN THE CONTINUOUS USAGE INTENTION OF E-WALLET USERS?: THE CASE OF SEOUL AND JAKARTA." International Journal of Management Studies 31, no. 2 (2024): 631–52. http://dx.doi.org/10.32890/ijms2024.31.2.9.

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The unstoppable use of the Internet, especially in big cities, has led to changes in payment patterns and financial transactions. Originally, wallets have transitioned to electronic wallets, driven by perceived benefits, ease of use, and social influence among e-wallet users. Therefore, it is crucial to investigate the intention to continuously use e-wallets among young people who have become accustomed to Internet usage. The method employed for processing the data collected through questionnaires is SEM-PLS. The research sample consisted of 240 young e-wallet users in Seoul and Jakarta who pa
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M, Amuthasurabi. "DIGITAL WALLET." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 03 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem29551.

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A computerized wallet, too known as an e-wallet, could be a software-based framework that safely stores installment data and passwords for numerous installment strategies and websites. By employing a advanced wallet, users can make electronic exchanges quickly andsafely, killing the got to enter delicate data over and over. Advanced wallets regularly consolidate different security measures, such as encryption and tokenization, to ensure users' monetary information. Also, numerous computerized wallets offer highlights like exchange history following, dependability program integration, and versa
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Sheila, Ade Putri Dewi Arliana, and Permata Sari Shinta. "he Attractiveness of Price Discounts, Convenience, and Benefit: Observation of the Decision to Use E-wallet as A Substitute for Cash Transactions." International Journal of Business Management and Technology 7, no. 1 (2023): 645–51. https://doi.org/10.5281/zenodo.7691618.

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The increasing growth of online transactions has led to the emergence of various new technologies in the financial sector, one of which is the e-wallet. E-wallets, or digital wallets, have been widely adopted by consumers in Indonesia. The various conveniences and benefits offered by digital wallets are immediately enjoyed by consumers. The convenience and comfort that have been felt have made consumers continue to use digital wallets. Apart from that, the many promotions offered and the perceived benefits have made this e-wallet or digital wallet more and more in demand. This study aims to de
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Honak, Ihor, and Stepan Babii. "TYPES OF CRYPTOCURRENCY WALLETS." INNOVATIVE ECONOMY, no. 1 (2022): 95–103. http://dx.doi.org/10.37332/2309-1533.2022.1.13.

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Purpose. The aim of the article is to study types of cryptocurrency wallets, their features and advantages. Methodology of research. The following special research methods were used during the writing of the article: direct observation was carried out – collection of information about the number of addresses and the value of Bitcoin crypto-coins; the graphic method of constructing the Lorenz curve is applied; generalization – in the process of formulating conclusions based on the results of the conducted analysis. Findings. It has been established that when carrying out cryptocurrency business
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Berlianawati, Desi Intan, Nurabiah Nurabiah, and Rini Ridhawati. "Exploring The Mind of Gen Z: Deciphering E-wallet Adoption Through The Lens of TPB Theory." Jurnal Ilmiah Akuntansi dan Bisnis 19, no. 1 (2024): 133. http://dx.doi.org/10.24843/jiab.2024.v19.i01.p09.

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This study examines the factors contributing to the increasing compound annual growth of e-wallets in Indonesia, particularly within Generation Z. E-wallets are favored for transactions due to their perceived ease of use, enhanced security, and time-saving features. Additionally, the attractiveness of e-wallets is enhanced by promotions, discounts, and accessible account openings. This research adopts a quantitative approach, employing Partial Least Square (PLS) software to test hypotheses using the Structural Equation Model (SEM). A sample of 823 Generation Z individuals from various regions
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Purbasari, Lintang Titian, Ririn Tri Ratnasari, and Asmak Ab Rahman. "DIGITAL WALLET ADOPTION FOR REPEAT INFAQ PAYMENT: INTEGRATING RELIGIOSITY – INTENTION MODEL." Jurnal Syariah 30, no. 1 (2023): 34–75. http://dx.doi.org/10.22452/syariah.vol30no1.2.

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This paper aims to investigate the integration of the TAM model and the religious intention model in the adoption of a digital wallet for sustainable infaq payments. The information was gathered through an online survey of 100 members of Gen-Z in Indonesia who use digital wallets and have made infaq payments using digital wallets. The relationship between religiosity, perceived ease of use, satisfaction, attitude, and intention to pay recurrent infaq is assessed using a quantitative approach and SEM techniques via smart-PLS. The results of the study show that the religious-intention integratio
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Dissertations / Theses on the topic "Wallets"

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Schmid, Philipp, and Sabine Houy. "Investigating Security Aspects of Cryptocurrency Wallets - a Systematic Study." Thesis, Högskolan i Halmstad, Akademin för informationsteknologi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-44798.

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Cryptocurrencies are gaining prominence among individuals and companies alike, resulting in the growing adoption of so-called cryptocurrency wallet applications, as these simplify carrying out transactions. These wallets are available in a myriad of different forms and specifications. For example, there are hardware and software wallets. The latter can be divided into mobile, web, and desktop wallets. All of them offer attackers various ways to exploit vulnerabilities and steal money from victims. It is hard to keep track of this multitude of options and thus choose the right cryptocurrency wa
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Koosha, Amirmohammad. "Understanding Adoption of Mobile Wallets : On Aged Population." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-231107.

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A mobile wallet is a mobile application that is intended to replace leather wallets. With high mobile and Internet penetration and increased life expectancy in developed economies, adoption of mobile wallets by the older population is becoming more important due to new trends. Therefore, this thesis aims to understand and increase adoption of mobile wallets in developed economies by the citizens between the ages of 50 to 75. Based on the mobile payment technology acceptance model (MPTAM) and an extensive literature review, a simplified model is suggested. Three sub-questions (on 1 - social inf
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Sánchez, Garvín Mario. "Network constellations for mobile payments - Influence of the leading partner on NFC-based mobile digital wallets." Thesis, KTH, Bygg- och fastighetsekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-76718.

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The mobile payments industry, which is currently at an early stage of development, is taking the direction to be established mainly as an NFC-based industry, and, moreover, led by the mobile digital wallets setting. A mobile digital wallet is a complete payment app for your NFC-enabled mobile phone that enables consumers to pay at stores at the point of sale with a mobile phone. The digital wallet, which is associated with a credit card, integrates all payment-related services like the management and storage of receipts, coupons and offers, and loyalty cards. Currently, there are three big par
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Carlsson, Mita, Karin Ekholm, and Nathalie Zamorano. "Välgörenhetsorganisationers marknadsföring : "First they open their hearts, then their minds and then they will open their wallets". (Maud Randel)." Thesis, Högskolan i Kalmar, Handelshögskolan BBS, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:hik:diva-1373.

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Our reason for this study is to research how non- profit organizations focused on fundraising, market themselves to create and keep the relationships with their potential and existing contributors. With this study we also want to create an image of the meaning of marketing, applied to non- profit organizations focused on fundraisings, struggle towards attracting more contributors. We also aim to research what our respondents believe will be the outcomes of marketing on nonprofit organizations in the future. For this essay we have chosen a qualitative method which consists of six interviews wit
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Bartoo, Debora S. "Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents." Antioch University / OhioLINK, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739.

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Andrade, Girao Katherine Alexandra, Martinez Rosmary Herrera, Tapia Edith Milagros Lopez, Falcón Lesly Irene Vergara, and Llontop Wendy Carolina Villanueva. "Xhira – Carteras plegables a carrito de compras." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2020. http://hdl.handle.net/10757/652859.

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Con los años, el planeta se ha visto sumamente afectado por los residuos contaminantes que afectan al ecosistema, un ejemplo de ello son las bolsas de plástico que en el mundo se genera alrededor de 5 billones de bolsas plásticas (Minam, 2019) y en Lima y el Callao se generan alrededor de 886 toneladas de plástico de un solo uso como residuo diario, generando enormes daños al ecosistema y representando el 46% del total de residuos de un solo uso a nivel nacional (Andina, 2019). Estas estadísticas significan que Lima es la ciudad que más daño hace a la salud pública y al medio ambiente, con res
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Lindqvist, Gunnar. "Nyckelhantering för bitcoin : En studie om hur användare hanterar privata nycklar och hur säkerheten kan förbättras." Thesis, Högskolan i Skövde, Institutionen för informationsteknologi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:his:diva-18817.

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Bitcoin har framträtt som den mest igenkännbara kryptovalutan sedan igångsättningen 2009 och har vid skrivande tillfälle ett börsvärde på 1,6 biljoner svenska kronor. Detta ihop med den ekonomiska friheten som Bitcoin erbjuder gör att användarantalet ständigt ökar. Likt all ny teknik så tar det tid innan teknologin är fullt utvecklad och anpassad för den bredda massan. I följd av detta kan säkerheten lida vilket kan resultera till ekonomiska förluster. Denna forskningsinsats undersöker vad för åtgärder och strategier som kan användas för att öka säkerheten via en litteraturstudie. Insatsen und
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Ali, Hikmah. "En kvalitativ studie om svenska konsumenters inställning till digitala plånböcker." Thesis, Högskolan Väst, Avd för informatik, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:hv:diva-15919.

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Digital wallets have become a trendy topic, and a popular method of paying in physical stores. The aim of the study is to gain a deeper understanding of the attitude of Swedish consumers towards digital wallets Apple Pay and Samsung Pay. With the help of semi-structured interviews and previous research, users' attitudes could be more thoroughly established and the question asked for the study was answered. Factors that influence the user's attitude are based on previous research and theory. The factors that have been identified are usability, availability and security. With the help of the sem
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Guler, Sevil. "Secure Bitcoin Wallet." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-177587.

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Virtual currencies and mobile banking are technology advancements that are receiving increased attention in the global community because of their accessibility, convenience and speed. However, this popularity comes with growing security concerns, like increasing frequency of identity theft, leading to bigger problems which put user anonymity at risk. One possible solution for these problems is using cryptography to enhance security of Bitcoin or other decentralised digital currency systems and to decrease frequency of attacks on either communication channels or system storage. This report outl
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Herting, Nora J. "Wallet sized archetype." The Ohio State University, 2005. http://rave.ohiolink.edu/etdc/view?acc_num=osu1302798074.

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Books on the topic "Wallets"

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Hergé. The mystery of the missing wallets. Bamtam, 2011.

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Ingram, Michael. Clearwater guide to wellies and wallets: Investment in intensive aquaculture. Clearwater, 1985.

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Park, David J. Conglomerate rock: The music industry's quest to divide music and conquer wallets. Lexington Books, 2006.

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Jr, J. Cryptocurrency Wallets. Independently Published, 2018.

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Calvetti, Jennifer Ellis. The Wallet: A Family History in Three Wallets. Tate Publishing, 2015.

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World Maps/Notecards Wallets. St Martins Pr, 1994.

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Fall Leaves/Notecards Wallets. St Martins Pr, 1994.

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Books, Chrysalis Children's. Wicked Wallets: Sleepover Club. Chrysalis Books, 2003.

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Redoute: Peonies/Notecards Wallets. St Martins Pr, 1994.

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Silver Sun/Notecard Wallets. St Martins Pr, 1994.

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Book chapters on the topic "Wallets"

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Mooij, Annelieke. "Regulating the Technology (Placement)." In Regulating the Metaverse Economy. Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-46417-1_5.

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AbstractThis chapter examines the placement phase of MLFT. This chapter starts in Sect. 5.2 by examining the definition of virtual wallets under the EU Anti-Money Laundering Directive. Section 5.2 examines the definition of entity under this Directive. It concludes that whilst the term entity is broadly formulated it creates risk by excluding the non-custodian wallets. Section 5.3 therefore discusses whether non-custodian wallets should be supervised or remain anonymous. This section concludes that non-custodian wallets should supervise itself. Section 5.4 then continues by discussing how thes
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Jain, Shashank Mohan. "Wallets and Gateways." In A Brief Introduction to Web3. Apress, 2022. http://dx.doi.org/10.1007/978-1-4842-8975-4_4.

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Serrano, Martín, Achille Zappa, Waheed Ashraf, et al. "i3-MARKET Wallets." In Systems and Implemented Technologies for Data-Driven Innovation, addressing Data Spaces and Marketplaces Semantic Interoperability Needs. River Publishers, 2024. http://dx.doi.org/10.1201/9781003498353-3.

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Elrom, Elad. "Bitcoin Wallets and Transactions." In The Blockchain Developer. Apress, 2019. http://dx.doi.org/10.1007/978-1-4842-4847-8_4.

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Serrano, Martín, Achille Zappa, Waheed Ashraf, et al. "Wallets and Smart Contracts." In Systems and Implemented Technologies for Data-Driven Innovation, addressing Data Spaces and Marketplaces Semantic Interoperability Needs. River Publishers, 2024. http://dx.doi.org/10.1201/9781003498353-2.

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Sauer, Max, Nikolai Lenski, Sarah Ebert, Anna-Magdalena Krauß, and Simon Pfeifer. "Benutzbare Sicherheit und Benutzbarer Datenschutz von Wallets: Anforderungen und Bewertungsmethodik." In Digitale Identitäten und Nachweise. Springer Fachmedien Wiesbaden, 2025. https://doi.org/10.1007/978-3-658-47708-0_24.

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Zusammenfassung In Digital Identity Wallets lassen sich digitale und verifizierbare Nachweise speichern und verwalten. Studien zeigen, dass existierende Wallets erhebliche Schwächen in den Bereichen User Experience, Informationssicherheit und Privatsphäre aufweisen. Beispielsweise stehen Nutzende vor Herausforderungen, die Funktionsweise oder die zu technische Terminologie von Wallets zu verstehen. Dies kann dazu führen, dass sensible Daten unzureichend sicher gespeichert werden oder versehentlich an nicht vertrauenswürdige Parteien weitergegeben werden. Daraus folgt, dass die drei Qualitätsat
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Elrom, Elad. "Ethereum Wallets and Smart Contracts." In The Blockchain Developer. Apress, 2019. http://dx.doi.org/10.1007/978-1-4842-4847-8_5.

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Elrom, Elad. "EOS.IO Wallets and Smart Contracts." In The Blockchain Developer. Apress, 2019. http://dx.doi.org/10.1007/978-1-4842-4847-8_6.

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Nowroozi, Ehsan, Seyedsadra Seyedshoari, Yassine Mekdad, Erkay Savaş, and Mauro Conti. "Cryptocurrency Wallets: Assessment and Security." In Advances in Information Security. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-25506-9_1.

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Erwig, Andreas, and Siavash Riahi. "Deterministic Wallets for Adaptor Signatures." In Computer Security – ESORICS 2022. Springer Nature Switzerland, 2022. http://dx.doi.org/10.1007/978-3-031-17146-8_24.

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Conference papers on the topic "Wallets"

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Jameel, Alaa S., Shuaib M. Abdulnabi, Thabit H. Thabit, and Ahmed S. Alheety. "Examining the intentions and behaviors of using e-wallets." In 2024 4th International Conference on Emerging Smart Technologies and Applications (eSmarTA). IEEE, 2024. http://dx.doi.org/10.1109/esmarta62850.2024.10638887.

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Deshpande, Varun, Atharva Vijay Khade, Harish J, Gandhi Kishor Addanki, and Srivatsan Deenadayalan. "A Passkey Based Recovery Mechanism for Blockchain Hardware Wallets." In 2024 IEEE/ACM 17th International Conference on Utility and Cloud Computing (UCC). IEEE, 2024. https://doi.org/10.1109/ucc63386.2024.00046.

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Moser, Paolo, Marco Esposito, Francesco Bruschi, and Donatella Sciuto. "Privacy-Preserving eIDAS Compliance in Blockchain Wallets via zkVM." In 2025 IEEE International Conference on Pervasive Computing and Communications Workshops and other Affiliated Events (PerCom Workshops). IEEE, 2025. https://doi.org/10.1109/percomworkshops65533.2025.00037.

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Sarfaraz, Aaliya, Ripon K. Chakrabortty, Saad Aslam, and Ahmad Sahban Rafsanjani. "Optimized Key Recovery for Blockchain Wallets in Sustainable Supply Chains." In 2024 IEEE International Conference on Industrial Engineering and Engineering Management (IEEM). IEEE, 2024. https://doi.org/10.1109/ieem62345.2024.10857165.

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Sauer, Max, Jonas Thessen, and Simone Braun. "Digital Sovereignty: Requirements of Digital Identity Wallets in E-Commerce." In 2024 IEEE 17th International Scientific Conference on Informatics (Informatics). IEEE, 2024. https://doi.org/10.1109/informatics62280.2024.10900753.

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Farhad, Mohammad, Gourab Saha, Masum Alam Nahid, et al. "Secure Backup and Recovery of SSI Wallets using Solid Pod Technology." In 2024 IEEE 48th Annual Computers, Software, and Applications Conference (COMPSAC). IEEE, 2024. http://dx.doi.org/10.1109/compsac61105.2024.00149.

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Homoliak, Ivan, and Martin Perešíni. "SoK: Cryptocurrency Wallets – A Security Review and Classification based on Authentication Factors." In 2024 IEEE International Conference on Blockchain and Cryptocurrency (ICBC). IEEE, 2024. http://dx.doi.org/10.1109/icbc59979.2024.10634439.

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Purton, Rebecca, and Patrina Law. "FRAMEWORKS AND CREDENTIAL WALLETS: THE KEY TO FUTURE FLOURISHING OF UK BADGING." In 17th International Conference on Education and New Learning Technologies. IATED, 2025. https://doi.org/10.21125/edulearn.2025.0594.

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Kapoor, Sarah, Vishal Singh, Sumit Sharma, Puneet Garg, and Ankita . "A Bridge between Blockchain and Decentralized Applications Web3 and Non-Web3 Crypto Wallets." In 2025 First Global Conference on AI Research and Emerging Developments. Ganitara Research Foundation, 2025. https://doi.org/10.63169/gcared2025.p35.

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Naganuma, Ken, Takayuki Suzuki, and Takatoshi Ohara. "Leakable Mnemonic Phrase: A New Orientation of Wallets Backup Based on Biometric-Key." In 2024 International Symposium on Information Theory and Its Applications (ISITA). IEEE, 2024. https://doi.org/10.23919/isita60732.2024.10858205.

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Reports on the topic "Wallets"

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Graham, Gordon. Why The World Needs an Open Source Digital Wallet Right Now. The Linux Foundation, 2023. https://doi.org/10.70828/zehc9956.

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Our physical wallets are quickly becoming digitized to support the transfer of digital assets, from currency to concert tickets. Creating hundreds of different digital wallets causes a vendor lock-in which leads to a lack of interoperability and functionality amongst services. Meanwhile, the fragmentation of their design and development means that the security of these wallets is not always as strong as it could be. The Open Wallet Foundation (OWF) was formed to support the development of wallets that are portable, secure, and that anyone can use on any device, with any operating system, for a
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León, Carlos. The dawn of a mobile payment scheme: The case of Movii. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1157.

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Mobile wallets replicate physical wallets on a mobile device, in which users can store different payment instruments (e.g., cards, transfers) to make mobile payments. As the mobile wallet is adopted, a mobile payment scheme emerges, with its users as elements in a network of transfers. In this article, I study the mobile payment scheme of Movii— the first fintech firm in Colombia operating under a financial non-banking license for electronic deposits and payments. Based on a unique dataset of bilateral transfers between Movii’s mobile wallet users, I build, visualize and analyze Movii’s networ
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Seybold, Patricia. Who Are the Key Players in Mobile E-Wallets in the U.S.? Patricia Seybold Group, 2012. http://dx.doi.org/10.1571/vs09-06-12cc.

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Bian, Wenlong, Lin William Cong, and Yang Ji. The Rise of E-Wallets and Buy-Now-Pay-Later: Payment Competition, Credit Expansion, and Consumer Behavior. National Bureau of Economic Research, 2023. http://dx.doi.org/10.3386/w31202.

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5

Craw, Jack. OPINION: Focus and Performance in Managing Post-border Security in New Zealand. Unitec ePress, 2015. http://dx.doi.org/10.34074/pibs.rs32015.

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The New Zealand public, its industries and the conservation sector, are greatly concerned about the state of national biosecurity protection, awareness and system performance – and rightly so. Scarcely a day goes by without a new story in the media about a biosecurity breach, a pest, a threat or a related impact on the economy, biodiversity, human health or lifestyles. The vast majority of this public focus is on issues at the national border. Yet the greatest number and cost of biosecurity programmes in New Zealand, and the greatest impact on citizens’ wallets, are the many pest management pr
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6

Livermore, Tanya, Jack Mulqueeney, Thuong Nguyen, and Benjamin Watson. The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey. Reserve Bank of Australia, 2023. http://dx.doi.org/10.47688/rdp2023-08.

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The Reserve Bank conducted its sixth triennial Consumer Payments Survey (CPS), which provides detailed information on how Australians make their payments. The 2022 CPS provides the first comprehensive snapshot of consumer payment behaviour following the changes brought on by the COVID-19 pandemic. The survey shows that most in-person payments are made by tapping cards or mobile devices, even for small purchases. This means the share of in-person transactions made with cash halved, from 32 per cent to 16 per cent, over the three years to 2022. The demographic groups that traditionally used cash
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7

Vlaicu, Razvan. Digital Payments Adoption by Consumers and Firms: Implications for Financial Inclusion. Inter-American Development Bank, 2025. https://doi.org/10.18235/0013575.

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Digital payments have increasingly been adopted by consumers and firms in Latin America and the Caribbean. This policy research paper analyzes recent post-pandemic data on digital payments in the region to describe adoption patterns, measure adoption gaps, and identify adoption barriers. The data reveal a positive trend in the use of financial accounts for receiving wages, and of payment apps and digital wallets for purchases in-person and online. Despite increased average adoption, sizable gaps remain both between countries and within countries. At the consumer level, factors associated with
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8

Seybold, Patricia. The Mobile E-Wallet Customer Ecosystem. Patricia Seybold Group, 2012. http://dx.doi.org/10.1571/vs09-14-12cc.

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Allen, Treb, Cauê de Castro Dobbin, and Melanie Morten. Border Walls. National Bureau of Economic Research, 2018. http://dx.doi.org/10.3386/w25267.

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Baker, P. External Insulation of Masonry Walls and Wood Framed Walls. Office of Scientific and Technical Information (OSTI), 2013. http://dx.doi.org/10.2172/1219894.

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