Готові списки джерел за темами / Choice of payment instrument

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Добірка наукової літератури з теми "Choice of payment instrument"

Автор: Grafiati

Опубліковано: 28 травня 2022

Оновлено: 31 липня 2025

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Статті в журналах з теми "Choice of payment instrument"

Hedman, Jonas, Felix B. Tan, Jacques Holst, and Martin Kjeldsen. "Taxonomy of payments: a repertory grid analysis." International Journal of Bank Marketing 35, no. 1 (2017): 75–96. http://dx.doi.org/10.1108/ijbm-12-2015-0187.

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Purpose Recent innovations in payment instruments have fundamentally changed the ways we pay. These innovations, such as mobile/SMS payments and online banking, contain features that are likely to influence how people choose to pay. The purpose of this paper is to understand the factors that impact payers’ choice of payment instruments. Design/methodology/approach Through in-depth interviews using the repertory grid technique, the authors explored 15 payers’ perceptions of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and online banking. The a

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Vuong, Duc Hoang Quan, and Dong Phuong Nguyen. "Factors Affecting to Card Payment's Choice: An empirical study of HCM city, Vietnam." International Journal of Case Studies 3, no. 7 (2014): 20–30. https://doi.org/10.5281/zenodo.3523818.

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Cash transaction is still dominant in Vietnam market. Even the advances of information technology have allowed banks and financial institutions introducing new and more efficient products and services but the rate of non cash transaction is modest. Vietnamese are still preferred cash payment. Basing survey data of consumer’s perception toward card payment in HCM city, the aims of this study would shed some light on how individuals choosing payment by card and explain why cash transactions still remain strongly. This paper identified the factors which are affecting the card payment and ex

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Trütsch, Tobias. "The impact of mobile payment on payment choice." Financial Markets and Portfolio Management 30, no. 3 (2016): 299–336. http://dx.doi.org/10.1007/s11408-016-0272-x.

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Abstract This paper investigates the effect of mobile payment on the adoption and use of traditional payment instruments such as cash, checks, and credit, debit and prepaid cards at the point of sale (POS). Data are from a 2012 representative survey on consumer payment choice in the United States. Using discrete-choice random utility models to simulate consumer behavior, the estimation provides two major findings. First, mobile payment does not replace physical payment cards, but is likely to substitute for paper-based payment methods such as cash and checks at the adoption stage. Second, mobi

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Foster, Kevin, Claire Greene, and Joanna Stavins. "Can cash and mobile pay co-exist? What the data tell us." Journal of Payments Strategy & Systems 18, no. 3 (2024): 309. http://dx.doi.org/10.69554/vblp4711.

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As US consumers increasingly turn to multiple financial institutions, multiple FinTech providers and multiple payment apps, getting a full picture of the consumer’s wallet is rare. Drawing on data collected through the Survey and Diary of Consumer Payment Choice — a representative survey of US consumers conducted since 2008 — this paper provides insights into US consumers’ adoption of bank accounts and payment instruments, their recent use of payment instruments, their payment choices for purchases and bills, and the evolution in their practices over the last decade of innovation in payments.

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Swiecka, Beata, and Simon Grima. "Factors Affecting the Consumers’ Choice of Payment Instrument in Poland." EUROPEAN RESEARCH STUDIES JOURNAL XXII, Issue 4 (2019): 179–98. http://dx.doi.org/10.35808/ersj/1505.

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Bruno KAROUBI. "DO SURCHARGES INFLUENCE OUR CHOICE OF PAYMENT INSTRUMENT? THEORY AND EVIDENCE." Bankers, Markets & Investors 169, no. 2 (2022): 13. https://doi.org/10.54695/bmi.169.13.

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Cash withdrawals effected at an Automated Teller Machine (ATM) external to the network of the bank of the cardholder incur a surcharge fee. We investigate whether surcharges impact cash withdrawals and the use of bank card. We develop a toy theoretical model that takes into account both the heterogeneity of cash preference relative to card and the heterogeneity of the disutility of nypassing surcharges by moving to an ATM that belongs to the cardholder’s bank. We find that cardholders withdraw greater amounts more often at such ATMs when surcharges are implemented. Surcharges do not influence

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Karoubi, Bruno. "Do surcharges influence our choice of payment instrument? Theory and evidence." Bankers, Markets & Investors N° 169, no. 2 (2022): 13–23. https://doi.org/10.54695/bmi.169.0013.

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Semerikova, Ekaterina. "Payment instruments choice of Russian consumers: reasons and pain points." Journal of Enterprising Communities: People and Places in the Global Economy 14, no. 1 (2019): 22–41. http://dx.doi.org/10.1108/jec-09-2019-0089.

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Purpose The paper aims to explore reasons for choosing different payment instruments and pain points from using them in a Russian context. It proposes that given the expansion of the range of personal payment instruments, the choice for payment is now influenced by many factors, including the type of financial provider and potential benefits for consumers. Design/methodology/approach This paper is an exploratory study that uses data from the qualitative research conducted in three Russian cities (Moscow, Yekaterinburg and Saratov) based on 50 online payment diaries and 12 group discussions. It

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Hasniawati, Nur Annisa, Eva R. Lase, and Akhis R. Hutabarat. "Indonesian Household Payment Choice: A Nested Logit Analysis." Journal of Central Banking Theory and Practice 9, s1 (2020): 291–313. http://dx.doi.org/10.2478/jcbtp-2020-0032.

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AbstractWe examine the preferences of respondents for six types of payment instruments, namely cash, debit and credit cards, card and server-based electronic money, and internet or mobile banking. By applying a nested logit model to 500 household data covering six provincial capitals in Indonesia, we find that the decision to choose payment instruments is made sequentially. Socio-economic characteristics, including education, age, income, and transaction objectives or functionality have a significant effect on the probability of using non-cash electronic payment instruments. We find a substitu

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CALLADO-MUÑOZ, Francisco J., Jana HROMCOVÁ, and Natalia UTRERO-GONZÁLEZ. "Effects of institutional environment and technology development on payment choice." Technological and Economic Development of Economy 24, no. 1 (2015): 81–107. http://dx.doi.org/10.3846/20294913.2015.1074952.

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The purpose of this paper is to analyze the combination of institutional factors and technology advances as determinants for the choice of payment instruments. The theoretical set up suggests that countries that enter into a new institutional environment adopt the attitudes of the accepting group towards the payment choices as a consequence of institutional pressure and technology development. We apply the results of the model to the European Union enlargement process of 2004. Our findings confirm the relevance of both institutional environment and technology development in retail payment c

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Дисертації з теми "Choice of payment instrument"

Pietrowiak, Annett. "European payment instruments." Doctoral thesis, Saechsische Landesbibliothek- Staats- und Universitaetsbibliothek Dresden, 2014. http://nbn-resolving.de/urn:nbn:de:bsz:14-qucosa-150371.

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This thesis sheds light on the functioning and characteristics of payment systems to serve as a foundation for understanding the drivers for higher payment system efficiency. Its central goal is to develop insights into the determinants of collective payment choice suitable to lower payment costs to society. So far, the institutional environment, as potential important influence on the payment instrument mix, has not been focused on in the literature. Therefore, particular emphasis is laid on the empirical analysis of the impact of institutional factors on the share of card payments on consume

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Терехов, Є. М. "Карткові платіжні інструменти як засіб підвищення фінансової стійкості банків України". Thesis, ДВНЗ "УАБС НБУ", 2003. http://essuir.sumdu.edu.ua/handle/123456789/51343.

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Дисертацію присвячено питанням поглиблення та подальшого розвитку теоретико-методичних засад вдосконалення діяльності банків з картковими платіжними інструментами. Диссертация посвящена вопросам углубления и дальнейшего развития теоретико-методических основ усовершенствования деятельности банков с карточными платежными инструментами. The dissertation is devoted to the deepening and the further development of the theoretic and methodical essentials of improvement of the bank activity with card payment instruments.

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Brückner, Carsten. "Merger waves and the choice of payment method /." Leipzig, 2009. http://opac.nebis.ch/cgi-bin/showAbstract.pl?sys=000256287.

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Koblyakova, Alla. "Household's mortgage instrument choice in the United Kingdom." Thesis, University of Aberdeen, 2013. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=211244.

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Williams, Blair A. "String instrument choice: a study on external factors." Thesis, Kansas State University, 2012. http://hdl.handle.net/2097/13720.

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Master of Music Department of Music David Littrell An aspect of instrument choice that has not been studied in such abundance as the topics of timbre and gender associations of instruments are the influences of external factors, such as ensemble director, parent and family, friends, academic diversity, travel opportunities, and medical reasons as examples; however, these factors have been briefly addressed in word alone in many of the studies completed for related examinations. This study is integral in defining how music educators can better identify supplementary factors in addition

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Скляр, Ірина Дмитрівна, Ирина Дмитриевна Скляр, Iryna Dmytrivna Skliar, Микола Васильович Костель, Николай Васильевич Костель, and Mykola Vasylovych Kostel. "Payment for the natural capital use as an instrument of nature use management." Thesis, Вид-во СумДУ, 2010. http://essuir.sumdu.edu.ua/handle/123456789/8356.

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Poliushkevych, A. V. "Advantages and disadvantages of using electronic money." Thesis, Київський національний університет технологій та дизайну, 2019. https://er.knutd.edu.ua/handle/123456789/14365.

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Cheng, Ho Cheung. "Timing of Payment : How Uncertain Alternatives and Legal Systems affect the Contractual Choice." Thesis, Toulouse 1, 2015. http://www.theses.fr/2015TOU10023/document.

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Ma thèse comprend 3 chapitres. Les deux premiers chapitres étudient directement la question du moment de paiement. Le Chapitre 1 considère la situation où les consommateurs ont des futures alternatives incertaines, tandis que le Chapitre 2 étudie le choix des contrats dans des environnements juridiques différents. Le Chapitre 3 est un peu différent, se concernant avec le moment de miser sur une enchère. Le Chapitre 1 étudie la situation où des consommateurs à demande unitaire, ayant des alternatives futures incertaines, projettent de consommer à une date fixée à l'avenir. Dans ce contexte, l'i

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Vickers, Mark E. "The effect of model gender on instrument choice preference of beginning band students." Thesis, University of Hartford, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3700787.

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Society attaches gender stereotypes to musical instruments, which may influence students’ selection of an instrument for study. The purpose of this study was to examine the effect of model gender on instrument preference of beginning band students during the selection process. I used two research questions to guide the study: 1. Do student instrument preferences prior to an instrument demonstration reflect typical trends in gender stereotypes of instrumental performers? 2. Does the gender of the person modeling the instruments during a demonstration and selection process affect t

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Sabbion, Davide Maria Giovanni <1997&gt. "Central bank digital currency: a regulatory perspective on the future payment instrument in the European Union." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/21175.

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In recent years the economy has seen an expansion of various methods of payment, more and more digital possibilities are offered to customers in order to pay their bills at stores, restaurants or simply when they are shopping on Amazon at home. The digital world is taking over not just the single phases of the transaction, but also the means itself behind that said transaction. Digital currencies are, in fact, no longer an abstract concept or futuristic tool, they became a reality. For this reason central Authorities, such as the ECB, can no longer disregard the matter, but should develop thei

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Книги з теми "Choice of payment instrument"

Borzekowski, Ron. The choice at the checkout: Competition among payment instruments. Federal Reserve Board, 2006.

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McJohn, Stephen M. The Glannon guide to commercial paper and payment systems: Learning commercial paper and payment systems through multiple-choice questions and analysis. 2nd ed. Wolters Kluwer Law & Business, 2011.

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Anderson, Eric E. Optimal choice of regulatory instrument in a fishery under uncertainty and instrument adjustment constraints. National Oceanic and Atmospheric Administration, National Marine Fisheries Service, Northwest and Alaska Fisheries Center, 1985.

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Atkeson, Andrew. On the optimal choice of a monetary policy instrument. National Bureau of Economic Research, 2007.

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Atkeson, Andrew. On the optimal choice of a monetary policy instrument. National Bureau of Economic Research, 2007.

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Elliott, Robert F. The choice between time and incentive payment systems: An empirical analysis. University of Aberdeen, 1985.

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Everington, J. H. Examination of the choice of economic instrument for pollution control policies. Oxford Brookes University, 1998.

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Paul, Levine. Fiscal policy coordination under EMU and the choice of monetary instrument. University of Leicester. Department of Economics, 1992.

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Nohr, Karin. Der Musiker und sein Instrument: Studien zu einer besonderen Form der Bezogenheit. Edition Diskord, 1997.

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Brown, Charles. Firms' choice of method of pay. National Bureau of Economic Research, 1989.

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Частини книг з теми "Choice of payment instrument"

Petrovski II, Ivan G. "Instrument of Choice: GNSS." In Springer Atmospheric Sciences. Springer International Publishing, 2024. http://dx.doi.org/10.1007/978-3-031-53443-0_2.

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Sprinz, Detlef F. "Environmental Security and Instrument Choice." In Conflict and the Environment. Springer Netherlands, 1997. http://dx.doi.org/10.1007/978-94-015-8947-5_29.

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Fujiki, Hiroshi. "Choice of Payment Method by Japanese Households." In Hitotsubashi University IER Economic Research Series. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-97-9258-0_1.

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Engel, Annegret. "The Choice of Legal Instrument: A Choice of Legal Basis?" In The Choice of Legal Basis for Acts of the European Union. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-00274-9_3.

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Lloyd, Peter J., and Rodney E. Falvey. "The Choice of Instrument for Industry Protection." In Issues in World Trade Policy. Palgrave Macmillan UK, 1986. http://dx.doi.org/10.1007/978-1-349-08636-8_8.

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Mehling, Michael. "Implementing Climate Governance: Instrument Choice and Interaction." In Climate Change and the Law. Springer Netherlands, 2012. http://dx.doi.org/10.1007/978-94-007-5440-9_2.

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Bott, Jürgen, and Udo Milkau. "A Market for Payments — Payment Choice in the 21st Century Digital Economy." In Transforming Payment Systems in Europe. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/9781137541215_1.

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Fraschini, Angela, and Alberto Cassone. "Instrument Choice in Water Pollution Policy in Italy." In Economic Incentives and Environmental Policies. Springer Netherlands, 1994. http://dx.doi.org/10.1007/978-94-011-0856-0_5.

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Kitamura, Yukinobu. "Diffusion of Electronic Money and Choice of Payment Methods." In Quest for Good Money. Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-5591-4_4.

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Chevalier, Alain, and Etienne Redor. "The Choice of the Payment Method in Mergers and Acquisitions." In Handbook of Financial Engineering. Springer US, 2008. http://dx.doi.org/10.1007/978-0-387-76682-9_13.

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Тези доповідей конференцій з теми "Choice of payment instrument"

Hier, William R. "Specification Compliance: a Plant’S Best Protective Surfacing Warranty." In SSPC 2001. SSPC, 2001. https://doi.org/10.5006/s2001-00012.

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Abstract Given a choice between specification compliance or warranty, specification compliance produces protective surfacing projects with better likelihood of consistent quality. Warranty enforcement after project completion and final payment may be difficult.

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Berchoff, Don, Clint Harper, and Christopher Zarzar. "Applying and Testing the ASTM F3673 - 23 Weather Standard Specification for Enhanced Safety and Efficiency in eVTOL and Helicopter Operations." In Vertical Flight Society 80th Annual Forum & Technology Display. The Vertical Flight Society, 2024. http://dx.doi.org/10.4050/f-0080-2024-1142.

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This article addresses the critical need for enhanced weather observation and prediction systems for rotary-wing aircraft. Current weather systems lack granularity in low-altitude airspace, posing safety risks. The application of the ASTM F3673 - 23 Weather Standard Specification is proposed to standardize weather data collection and transition towards a weather sensor performance-based approach rather than instrument certifications, facilitating the deployment of advanced weather sensors. Today, heliports have a binary weather measurement system choice, expensive certified surface weather sta

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Popescu, Gheorghe Cristian, and Monica Popescu. "FINANCIAL INSTRUMENTS PROMOTED THROUGH COMMON AGRICULTURAL POLICY TO INCREASE COMPETITIVENESS AND SUSTAINABILITY OF AGRICULTURAL SYSTEMS." In 24th SGEM International Multidisciplinary Scientific GeoConference 2024. STEF92 Technology, 2024. https://doi.org/10.5593/sgem2024v/4.2/s20.57.

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The Common Agricultural Policy (CAP) 2023 - 2027 is currently the main instrument of the member states for the development of the agricultural sector and rural areas. CAP is focused on ten key objectives related to social, environmental and economic goals. EU agricultural policy covers all levels covers all levels of agri-food supply chain. The Romania CAP Strategic Plan was approved by the European Commission in December 2022 with a total allocation of 15.83 billions � (14,96 billions � from EU budget and 0,86 billion � national funding). The main type of interventions for direct payments to

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Yuzvovich, L. I., M. I. Lvova, and M. S. Maramygin. "Strategic Determinants of Choice of Electronic Payment System in Internet Trade Companies." In International Conference on Finance, Economics, Management and IT Business (FEMIB 2024). Crossref, 2025. https://doi.org/10.63550/iceip.2025.76.98.001.

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The scientific article is devoted to the strategic determinants of choosing an electronic payment system in online trading companies based on the creation of an integrated approach to analyzing the performance of these systems in the context of e-commerce activities. In the modern world, where boundaries are erased due to digitalization, tools for making electronic payments are acquiring new horizons of distribution. They are becoming key in processing significant financial flows, making their reliability and security vital for economic entities whose activities are related to e-commerce. Fail

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Tan, Wee-Kheng, and Yung-Lun Chung. "User Payment Choice Behavior in E-auction Transactions." In 2010 International Conference on e-Education, e-Business, e-Management, and e-Learning, (IC4E). IEEE, 2010. http://dx.doi.org/10.1109/ic4e.2010.38.

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Sukarno, Karmila Sari, and Pujiyono. "The Use of Cryptocurrency as a Payment Instrument." In 3rd International Conference on Law and Governance (ICLAVE 2019). Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200321.048.

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Kato, Hironori, and Hitoshi Ieda. "On the Choice of Payment Modes in Urban Railway Service." In International Conference on Traffic and Transportation Studies (ICTTS) 2002. American Society of Civil Engineers, 2002. http://dx.doi.org/10.1061/40630(255)162.

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Qu, Jiangbin, Wei Liu, and Feng Cong. "Initial analysis on the security of electronic commerce payment instrument." In 2013 25th Chinese Control and Decision Conference (CCDC). IEEE, 2013. http://dx.doi.org/10.1109/ccdc.2013.6561657.

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Liang, Ping, Guang-xiang Wang, and Ji-hua Wen. "The detection filter choice of the OSL dating instrument." In Mechanical Engineering and Information Technology (EMEIT). IEEE, 2011. http://dx.doi.org/10.1109/emeit.2011.6023937.

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Radolović, Oliver, and Filip Komljen. "Credit Cards as an Instrument of Payment in Tourism and Hospitality." In Interdisciplinarity Counts. University of Maribor, University Press, 2023. http://dx.doi.org/10.18690/um.fov.3.2023.69.

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Credit cards are one of the most used instruments of payment today. The advantages they have are the simplicity of their use and the mandatory relationship of a short-term credit contract. Nowadays, credit cards are increasingly used in tourism and hospitality. Many banks around the world cooperate with global card organizations such as VISA, MasterCard, American Express and Diners Club, so the cards they issue are widely accepted in hotels, travel agencies, hospitality objects and shopping centers around the world. This paper deals with the role of the credit card as a global instrument of pa

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Звіти організацій з теми "Choice of payment instrument"

Ernst, Thomas, and Chester Spatt. Payment for Order Flow And Asset Choice. National Bureau of Economic Research, 2022. http://dx.doi.org/10.3386/w29883.

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Costello, Christopher, and Matthew Kotchen. Policy Instrument Choice with Coasean Provision of Public Goods. National Bureau of Economic Research, 2020. http://dx.doi.org/10.3386/w28130.

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Atkeson, Andrew, V. Chari, and Patrick Kehoe. On the Optimal Choice of a Monetary Policy Instrument. National Bureau of Economic Research, 2007. http://dx.doi.org/10.3386/w13398.

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Rozenberg, Julie, Adrien Vogt-Schilb, and Stephane Hallegatte. Instrument Choice and Stranded Assets in the Transition to Clean Capital. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0000643.

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Turnovsky, Stephen, and Vasco d'Orey. The Choice of Monetary Instrument in Two Interdependent Economies Under Uncertainty. National Bureau of Economic Research, 1988. http://dx.doi.org/10.3386/w2604.

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Rozenberg, Julie, Stephane Hallegatte, and Adrien Vogt-Schilb. Instrument Choice and Stranded Assets in the Transition to Clean Capital. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0011781.

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To mitigate climate change, some governments opt for instruments focused on investment, like performance standards or feebates, instead of carbon prices. We compare these policies in a Ramsey model with clean and polluting capital, irreversible investment and a climate constraint. Alternative instruments imply different transitions to the same balanced growth path. The optimal carbon price minimizes the discounted social cost of the transition to clean capital, but imposes immediate private costs that disproportionately affect the current owners of polluting capital, in particular in the form

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Gandelman, Néstor, Rodrigo Lluberas, Daniel Misail, and Diana Gaitan. The Impact of a Financial Inclusion Program on Household’s Payment Choice, Savings, and Credit. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004789.

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Uruguay implemented an ambitious financial inclusion program that included a fiscal stimulus through VAT rebates and subsidies for point of sale (POS) adoption. One of its main provisions banned cash payment of wages and social benefits and forced financial institutions to open wage-accounts with extremely beneficial conditions. In the aggregate, the number of debit cards transactions increased sharply. We test the wage-banking channel of the financial program exploiting differences in the treatment intensity between public sector and private sector workers. We find that while the provision of

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Kotchen, Matthew, Kevin Boyle, and Anthony Leiserowitz. Policy-Instrument Choice and Benefit Estimates for Climate-Change Policy in the United States. National Bureau of Economic Research, 2011. http://dx.doi.org/10.3386/w17539.

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Goldmark, Lara, and Gabriel Schor. Information Through Vouchers: What Next, After Paraguay? Inter-American Development Bank, 1999. http://dx.doi.org/10.18235/0006797.

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A functional weakness of the training market is the extreme difficulty with which potential purchasers of "training" can gauge the quality of training programs in advance of payment. However, no training provider would allow a customer to delay payment of course fees until the course has been completed. In such a circumstance, upon completion of the course, the trainee has received what he wanted to acquire (knowledge and skills), and therefore has a strong incentive to refuse payment. An effective instrument would promote investment in the training market, and also reduce the information gap

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Covacevich, Catalina. How to Select an Instrument for Assessing Student Learning. Inter-American Development Bank, 2014. http://dx.doi.org/10.18235/0010603.

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The implementation of educational policies and practices is closely linked to the assessment of student learning, as it enables the monitoring of progress and achievements, the improvement of teaching in the classroom, the improvement of policies and the assessment of program effectiveness, among many other objectives. To ensure that assessment achieves its purposes, it is essential to make an appropriate choice of the learning assessment instruments to be used. In this context, teachers, policy implementers, researchers and staff of the ministries of education are frequently faced with the ne

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