Relevant bibliographies by topics / E-payment

Contents

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

Academic literature on the topic 'E-payment'

Author: Grafiati
Published: 4 June 2021
Last updated: 6 September 2023

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Journal articles on the topic "E-payment"

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Rabiah, Arbi Siti, Mochammad Fahlevi, Nendi Juhandi, and Pawit Winarto. "HARUSKAH E-PAYMENT TRUST DITERAPKAN E-COMMERCE SEBAGAI FAKTOR KEPUASAN KONSUMEN?" E-Jurnal Manajemen Universitas Udayana 9, no. 7 (July 3, 2020): 2724. http://dx.doi.org/10.24843/ejmunud.2020.v09.i07.p13.

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Consumer trust related to payment is an important topic in several studies of online shopping. Consumers are very concerned about security in transactions including when making payments in cashless. This study uses a non-parametric test using SmartPLS with 243 respondents used as samples. The results of this study provide information that E-payment trust is an important factor for consumer satisfaction in E-commerce in Indonesia. Trust related to payments is closely related to information security and data privacy security of consumers when making transactions on E-commerce. Keywords: Trust; E-Payment; Kepuasan Konsumen; E-Commerce.
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Tan, Emmelia, Dadang Heri Kusumah, and Acin Damanik. "Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK." Jurnal Pengembangan Wiraswasta 23, no. 3 (December 31, 2021): 163. http://dx.doi.org/10.33370/jpw.v23i3.643.

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Bagaimana impresi penggunaan e-payment dan niat berperilaku baru menggunakan e-payment di masa new normal pada usaha mikro dan kecil?. Penelitian ini bertujuan menguji model penelitian yang menjelaskan impresi e-payment dan niat berperilaku baru terhadap pemanfaatan inklusi keuangan digital UMK. Sampel penelitian adalah usaha mikro dan kecil di Cikarang, sebanyak 81 responden pemilik UMK. Data penelitian diolah dan dianalisa menggunakan SEM-PLS dengan aplikasi WrapPLS 7.0. Hasil penelitian mengemukakan bahwa impresi e-payment berpengaruh positif signifikan terhadap niat berperilaku dan inklusi keuangan. Niat berperilaku baru penggunaan e-payment berpengaruh signifikan positif pada inklusi keuangan UMK. Niat berperilaku baru memediasi parsial hubungan impresi e-payment terhadap inklusi keuangan digital UMK. Niat perperilaku baru penggunaan Fintech berkontribusi lebih besar dibandingkan impresi penggunaan e-payment pada transaksi keuangan digital UMK.How are the impressions of using e-payments and new behavior intentions using e-payments in the new normal for micro and small businesses? This study aims to examine a research model that explains the impression of e-payments and new behavioral intentions toward utilization of digital financial inclusion MSEs. The research sample is micro and small businesses in Cikarang, with 81 respondents who own MSEs. The research data was processed and analyzed using SEM-PLS with the WrapPLS 7.0 application. The results showed that the impression of e-payment had a significant positive effect on behavioral intentions and financial inclusion. The new behavioral intention to use e-payments has a significant positive effect on MSEs' financial inclusion. New behavioral intentions partially mediate the impression of e-payment on digital financial inclusion of MSEs. The new behavioral intention to use Fintech contributes more than the impression of using e-payments in MSE digital financial transactions.
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Wiśniewski, Jerzy Witold, Ewelina Sokołowska, Jinghua Wu, and Anna Dziadkiewicz. "Evolutionary Game Analysis of the Partners’ Behavior in the Rural E-Payment Market of China." Risks 9, no. 12 (December 2, 2021): 220. http://dx.doi.org/10.3390/risks9120220.

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The rural e-payment market in China is becoming one of the important topics in the research field because of its contribution to the efficiency of fund flows in the economy. Further development of the rural e-payment market mainly depends on its partners’ acceptance. In March 2020, 776.08 million people were using mobile payments in China. After the COVID-19 pandemic in China, the Payment and Clearing Association of China launched an action to encourage citizens to use mobile payments. In this article evolutionary game theory is presented. The benefits of e-payments between financial institutions and users are studied. Based on the analysis of the partners’ selection of costs and profits as well as other factors, important conclusions were drawn. The growth of the rural economy is beneficial to the change of the partners’ behavior in the rural e-payment market. Dynamic evolution of the partners’ behavior makes the supply and demand for rural e-payment services consistent. In order to create more benefits, financial institutions will lead the move to merge the rural e-payment market with the China National Advanced Payment System. These research results are beneficial for its growth by developing strategies to encourage more partners to take part in the rural e-payment market in China.
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Doddy, Muhammad, Juhary Ali, Anton Hindardjo, and Asrul Sani. "Boost Zakat Fundraising Through E-Customer Relationship Management in Digital Era." Technium Business and Management 2, no. 2 (June 8, 2022): 61–70. http://dx.doi.org/10.47577/business.v2i2.6762.

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At present, zakat payments allow payment via online. Therefore, the relationship between the Amil Zakat Institution and the muzakki must be strengthened, primarily through online zakat payments. E-CRM or what is known as e-Customer Relationship Management is used to facilitate the implementation of CRM in the world of digital payments. E-CRM allows the Amil Zakat Institution to provide appropriate services to satisfy muzakki and increase muzakki loyalty in paying zakat through online applications. Also, the E-CRM feature is essential for management. Zakat Payer Relations Online, without the e-CRM feature, CRM in the world of online zakat payments cannot be realized. Some literature there is no theoretical model for E-CRM implementation on online zakat payments. Besides, there are shortcomings in previous studies that focused on identifying the importance and categorization of e-CRM features in the various stages of the transaction cycle. So, this study seeks to fill the information gap based on empirical data obtained from the survey. The purpose of this study is to examine the relationship between E-CRM features in online zakat payments and online zakat payer loyalty at various stages of the pre-payment, when-payment, and post-payment transaction cycle. The results of this study indicate that the use of E-CRM in online zakat payment applications can affect the satisfaction and loyalty of online zakat payers. Research contributes to the role of the E-CRM feature in increasing the loyalty of zakat payers online at various stages of the payment cycle. What's more, this study highlights the critical elements of the E-CRM program, where online zakat payment applications must invest to increase the loyalty of zakat payers.
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Soegoto, E. S., and R. A Rahman. "Technology on E-Payment Systems." International Journal of Research and Applied Technology 1, no. 1 (June 25, 2021): 140–47. http://dx.doi.org/10.34010/injuratech.v1i1.5657.

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The purpose of this study is to examine the importance of technology in business, especially in terms of transactions. The method used in this study was a descriptive method by reading from various international and domestic journals. The results of this study were identification of how simple and important technology was in influencing payment systems that were slowly changing from conventional to electronic payments (e-payment). We also discussed what information related to e-payment, such as safety, functions, and available features from using this e-payment system.
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Mohan, Akshay. "“Impact of E-Payment Systems on Customer Satisfaction”." International Journal for Research in Applied Science and Engineering Technology 9, no. 10 (October 31, 2021): 573–81. http://dx.doi.org/10.22214/ijraset.2021.38314.

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Abstract: Everything has shifted online since the outbreak of the pandemic, from education to full-time jobs to health check-ups. What's important to remember here is that the majority of our day-to-day activities increasingly include making payments online. Although e-payment and e-banking solutions have been available for some time now, the pandemic has effectively compelled a huge portion of the urban and rural populations to use them. This research study aims to find out how widely epayment and e-banking systems are used and how they affect the user experience. Researchers have often been drawn to digital payment systems since they are a relatively new concept (the first digital payment system was only established in the 1990s). Over time, researchers have attempted to characterize the value of digital payment systems and what they represented for modern ecommerce, consumer personal finance, and economies around the world. According to the literature analyzed from many articles and research papers, digital payment is significantly more convenient than traditional paper currency. There has been a lot of studies done on the problems with digital payment systems (such as serious security issues and inaccessibility to these systems owing to low internet penetration), which pushes developers to keep working on these systems for the purpose of safer and faster transactions. According to several studies, online payment technology can cut costs, increase the number of consumers for a firm, improve customer-company interaction, and improve the company's image. This necessitates businesses providing a frictionless payment experience to their customers. In this research paper, a large amount of secondary data, as well as primary data acquired via survey, was utilized to highlight the paper's aims, type, and, most importantly, to analyze and interpret the data in order to better address the problem statement. We've come to the conclusion that electronic payment solutions have a huge impact on client satisfaction. Customers are increasingly turning to e-payment systems as a result of the pandemic's regular lockdowns, which have limited access to banks and conventional ATMs. While making online payments, consumers look for offers, rewards, discounts, and other incentives, which distinguish them from cash on delivery payments. Businesses (large and small) should make sure that their customers have a variety of ways to pay for goods and services (debit cards, credit cards, digital wallets, UPI, prepaid cards). Purpose & Summary of Study 1) Purpose ● To ascertain the extent to which e-payment systems are employed. ● To examine the impact of e-payment systems on customer satisfaction. ● To discuss issues surrounding e-payment systems. 2) Summary: The goal of this study is to find out how widely e-payment and e-banking technologies are used and how they affect the user experience. For the purposes of this study, a large amount of related literature, as well as primary data acquired by survey, was evaluated. Concerns about e-payment systems have also been raised. We noticed that the pandemic has driven a big number of people to utilize e-payment systems and that having a functional and seamless online payment experience is critical to attracting customers to all types of enterprises. Despite security concerns and a lack of access to faster internet connections, Indians are beginning to embrace online payment solutions. Keywords: E-payments, Credit Cards, Online Transactions, Cash Payment, E-Commerce, Customer Satisfaction, Debit Cards, Google-Pay, UPI Apps, Internet Banking
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Mushkudiani, Nino. "Development of Electronic Payments in Georgia." Economics and Culture 15, no. 2 (December 1, 2018): 64–74. http://dx.doi.org/10.2478/jec-2018-0021.

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Abstract Electronic payments are considered to be a fast and secure alternative for traditional payment methods. Today, it is impossible to imagine modern bank operations, commercial transactions and other payments without electronic payments. This article shows that electronic payments are not the only means for reducing costs with respect to other payment methods, such as cash, but can also generate significant benefits for increasing economic development and reducing shadow economy. The paper focuses on the development of electronic payments in Georgia and its impact on the economy of the country. Over the decades, the payment systems in Georgia have evolved significantly in line with the technological advancement. Significant progress has been achieved in improving the e-payment systems infrastructure. The evolution of e-payments in Georgia can be characterized by the following: debit (including prepaid) and credit cards, credit and debit transfers compose a core set of noncash payment types commonly used today by consumers and businesses. These core noncash payment types are used both in traditional ways, such as in-person purchases, payroll deposits, and bill payments, and in innovative ways, such as contactless and mobile payments, e-commerce and online bill payments. Using the economic-mathematical analyses of the information taken from the web-page of the National Bank of Georgia and commercial banks’ publications, a mathematical model was built, based on which the positive relationship between e-payments and economic growth in terms of real GDP was shown.
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Chauhan, Madhu, and Isha Shingari. "Future of e-Wallets: A Perspective From Under Graduates’." International Journal of Advanced Research in Computer Science and Software Engineering 7, no. 8 (August 30, 2017): 146. http://dx.doi.org/10.23956/ijarcsse.v7i8.42.

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This paper study about e-payments specifically mobile wallets. As we all know that after demonetization, there is a tremendous increase in number of e-payments. This paper specifically targets undergraduate students and portrays their preferred mode of payment. It also suggest some steps that should be taken for betterment of e-payment facilities.
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Rahadi, Raden Aswin, Yunieta Anny Nainggolan, Kurnia Fajar Afgani, Mohd Yusoff Yusliza, Juhari Noor Faezah, Thurasamy Ramayah, Jumadil Saputra, Zikri Muhammad, Khalid Farooq, and Chyntia Angelina. "Towards a cashless society: Use of electronic payment devices among generation Z." International Journal of Data and Network Science 6, no. 1 (2022): 137–46. http://dx.doi.org/10.5267/j.ijdns.2021.9.014.

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Nowadays, transactions on e-commerce platforms (e-payment) utilizing a credit card are popular. Using credit cards for electronic purchases over the Internet is much different from offline purchases in traditional stores; only online transactions do not include either physical credit card or a signature. The e-payment has become a common mode of payment for online transactions made. It is an electronic billing system that gives clients the ability to make payments using the Internet. The objective of this paper was to analyze the associations among continuance intention e-payment, effort expectancy, facilitating conditions, performance expectancy, social influence, and actual usage of e-payment. The data was tested empirically on data collected from 667 Generation Z e-payment users in Malaysia. The results found that facilitating conditions, performance expectancy, and social influence impacted the actual usage of e-payment. Surprisingly, effort expectancy was not significantly associated with the actual e-payment usage. The findings of this study have several implications for managers and point the way towards future research. No prior empirical study has investigated the role of the Unified Theory of Acceptance and Use of Technology model on e-payment usage among Generation Z in Malaysia to the best of the authors’ knowledge. These results provide valuable contributions that can help decision-makers formulate or adjust their strategies associated with e-payments.
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B, Vignesh. "Role of E-Payment Market for Improving the Accountability of Indian Business Sector During Covid 19." Technoarete Journal on Advances in E-Commerce and E-Business (TJAEE) 1, no. 1 (February 15, 2022): 17–21. http://dx.doi.org/10.36647/tjaee/01.01.a004.

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The research article has all about the e-payments role over the Indian business sector during the pandemic of COVID-19. The important findings are to show the role of the e-payment system which has the capacity to improve the Indian business sector in the pandemic situation. The e-payment method uses the time for buying anything or paying some taxes or others. Systematic review has been conducted in this research paper to understand accountability of e payment especially in the e-payment marke. Keyword : E-payment, COVID-19, Indian business sector
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More sources

Dissertations / Theses on the topic "E-payment"

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Cimetta, Alberto <1989&gt. "Esigibilità dell'imposta sul valore aggiunto e split payment." Master's Degree Thesis, Università Ca' Foscari Venezia, 2016. http://hdl.handle.net/10579/8182.

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l'eleborato si prefigge l'obiettivo di chiarire la connotazione comunitaria in primis e nazionale poi dell'imposta sul valore aggiunto. analizzando le caratteristiche del tributo e il concetto di esigibilità si cerca di dare corretta collocazione dell'istituto dello split payment.
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Bedecs, Jakub. "Návrh platebních možností elektronického obchodu firmy." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2014. http://www.nusl.cz/ntk/nusl-224455.

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This master's thesis deals with the design of a suitable payment system for a newly emerging e-shop. It analyzes the e-business environment and informs about existing payment methods, their advantages and disadvantages. Last but not least, this thesis deals with the development of electronic payments in the Czech Republic. The main part of the work is the analysis of various payment methods and their comparison on several levels.
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Lundh, Maxim, and Alexander Svensson. "Exploring the Consumer Adoption of Alternative E-payment Methods : A study of the Swedish market." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-39656.

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Purpose: The purpose of this thesis is to identify the factors of adoption within alternative e-payments methods, and gain a deeper understanding of the reasons to why these factors affect the consumer’s adoption. This will be conducted through empirical research, as well as looking into previous theory in order to propose a research framework that is appropriately adapted to the specific phenomenon of alternative e-payments.   Problem: The substantial growth of e-commerce, and the limitations within conventional card payment has paved way for the development of new and innovative alternative e-payment methods. Past research point towards that, there are gaps in literature, where there is a lack of qualitative studies within the field. Furthermore, Sweden is one of the nations with the highest level of innovativeness, as well as e-commerce usage making it an appropriate market to analyze.   Method and Methodology: By applying an intepretevism paradigm, this research views knowledge from a subjective viewpoint. The primary data is collected through a qualitative approach, using one-to-one semi structured interviews, in order to obtain deeper a response. The gathered data is later on analyzed and compared with the previous research within the field.   Findings: The findings of this thesis identifies the factors of adoption within alternative e-payments and why they have an affect. Certain factors seemed to be of greater importance than others, and many of the factors held similarities showing their interdependent nature. Furthermore, new factors were identified as well as the factors being highly context specific, identifying gaps that should be addressed in future research.
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Molnar, Neto Francisco. "Mobile payment e o caso da Paggo no Brasil." reponame:Repositório Institucional do FGV, 2013. http://hdl.handle.net/10438/10761.

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Submitted by Francisco Molnar Neto (francisco.molnar@gmail.com) on 2013-04-19T18:49:20Z No. of bitstreams: 1 MOBILE PAYMENT E O CASO DA PAGGO NO BRASIL - FRANCISCO MOLNAR NETO 2013 - VERSÃO FINAL. .pdf: 2036789 bytes, checksum: e6565f181d4be2dd3d3c3e277adb7fff (MD5)
Approved for entry into archive by Suzinei Teles Garcia Garcia (suzinei.garcia@fgv.br) on 2013-04-19T18:59:33Z (GMT) No. of bitstreams: 1 MOBILE PAYMENT E O CASO DA PAGGO NO BRASIL - FRANCISCO MOLNAR NETO 2013 - VERSÃO FINAL. .pdf: 2036789 bytes, checksum: e6565f181d4be2dd3d3c3e277adb7fff (MD5)
Made available in DSpace on 2013-04-19T19:00:47Z (GMT). No. of bitstreams: 1 MOBILE PAYMENT E O CASO DA PAGGO NO BRASIL - FRANCISCO MOLNAR NETO 2013 - VERSÃO FINAL. .pdf: 2036789 bytes, checksum: e6565f181d4be2dd3d3c3e277adb7fff (MD5) Previous issue date: 2013-03-26
Este trabalho tem por objetivo analisar o caso da Paggo, a iniciativa de maior destaque em Mobile Payment no Brasil. A escolha pelo tema de Mobile Payment se deu devido ao seu caráter de inovação e disruptura num mercado consolidado como o de meios de pagamento. Através de uma análise qualitativa, o autor se propõe a identificar e elucidar alguns dos atributos básicos fundamentais necessários a uma iniciativa de Mobile Payment. Um modelo teórico foi então desenvolvido com o intuito de aplica-lo à iniciativa da Paggo de forma a verificar a presença destes atributos e seu alinhamento com o direcionamento das ações estratégicas da companhia. Por tratar de um caso específico, limitamos nossa análise ao modelo de Mobile Payment adotado pela Paggo (B2C). Para tal, foram analisados diferentes estudos de autores acadêmicos especializados no tema de inovações tecnológicas e governança. Teorias relativas a inovações em meios de pagamento (CHAKRAVORTI e KOBOR, 2003), economia da informação (SHAPIRO e VARIAN, 1999), adequação das ferramentas organizacionais para a tarefa (CHRISTENSEN e OVERDORF, 2000) e evolução da plataforma de Serviços (TIWANA, KONSYNSKI e BUSH, 2010) compõe a base dos atributos selecionados para o modelo proposto pelo autor. Do ponto de vista prático, foram entrevistados presencialmente o antigo e o atual presidente da Paggo com a finalidade de se coletar dados relativos a aspectos de inovação tecnológica, estrutura organizacional e governança ao longo da história da companhia. Estas entrevistas, transcritas ao final do estudo, por si só já se revelaram como uma grande contribuição a estudiosos do tema, que muitas vezes carecem de perspectivas tão amplas como as apresentadas nestas entrevistas. O tema é ainda mais relevante não apenas pelos impactos diretos e indiretos que sua implementação poderá trazer, não apenas sobre toda a cadeia de valor atual de meios de pagamentos mas, principalmente, para toda a sociedade brasileira visto que o governo brasileiro anunciou recentemente que o Ministério das Comunicações em conjunto com o Banco Central e a Agência Nacional de Telecomunicações (ANATEL) trabalham para apresentar uma proposta de marco regulatório para serviços de pagamento por meio de telefonia móvel ainda em 2012 . Este estudo é portanto de interesse de todos os agentes envolvidos no ecossistema de meios de pagamento: bancos, adquirentes, bandeiras de aceitação, fabricantes de dispositivos, governo e agencias reguladoras, além das operadoras de telefonia celular e outros agentes indiretos. Também é relevante para a sociedade em geral, representada pelos varejistas, comerciantes e prestadores de serviço que poderão se utilizar de novos meios de pagamento móveis e dos usuários finais (compradores) os quais poderão contar com novos serviços e uma dinâmica alternativa de pagamento para efetuar suas transações.
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Hägg, Rasmus, and Andreas Wiesner. "Barriärer inom e-handel – med fokus på betalningssystem." Thesis, Högskolan i Borås, Akademin för bibliotek, information, pedagogik och IT, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-10449.

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E-handeln befinner sig i en stor tillväxt och det finns inga direkta indikationer på att det kommer avta. En fundamental del inom e-handel är själva betalningen och betalningsprocessen. Ett väl fungerande betalningssystem är av yttersta vikt för företag som bedriver e-handel för att kunna konkurrera inom den allt mer konkurrensutsatta marknaden. Trots att e-handeln blir allt mer omfattande för varje år existerar det fortfarande en osäkerhet för konsumenten vad gäller betalningar som sker via Internet. 38 % av svenska konsumenter har någon gång avbrutit ett köp, där den vanligaste anledningen beror på att de inte fick betala som de ville. Har en potentiell kund kommit så pass långt som till själva betalningen vore det ytterst olyckligt om denne skulle avbryta ett köp på grund av betalningslösningen. Avsikten med denna studie är att redogöra för olika faktorer och eventuella barriärer som har påverkan på konsumenterna i relation till betalningssystem. Vidare avser studien att redogöra för hur dessa barriärer påverkar svenska konsumenters köpintention vid e-handel mellan företag och konsument. Detta utförs via en kvalitativ undersökning baserat på semi-strukturerade intervjuer utifrån ett konsumentperspektiv. Slutsatserna visar bland annat att e-handelsföretag och utvecklare bör lägga stor vikt på att tillgodose flera betalningsalternativ, ta stor hänsyn till god användbarhet, tillgodose någon form av säkerhetsfunktion, exempelvis BankID samt tydliggöra information om betalningsprocessen. Utöver detta finns en stark relation mellan konsumenternas förtroende för företaget och konsumenternas förtroende gentemot betalningssystemet.
E-commerce appears in a great time of growth and there's no clear indications of decrement. An important factor in e-commerce is the payment and the payment process. A well-functioning payment system is very important for companies operating in e-commerce to compete within the increasingly competitive market. Despite the fact that e-commerce is becoming more widespread every year there are still barriers that creates uncertainty and inconvenience for customers regarding the payment and the payment process. 38 % of Swedish customers have once canceled a purchase, where the most common reason refers to that they couldn't pay the way they wanted. If a potential customer have reached the payment itself it would be very unfortunate if the customer cut off the purchase due to the payment solution. The purpose with this study is to account for various factors and eventual barriers in the context of payment that affect customers. Furthermore, the study intends to present and explain how these barriers affect Swedish customers´ purchase intention. This is conducted through a qualitative research based on semi-structured interviews from a customer perspective. The conclusions show that e-commerce companies and payment system developers should focus on to accommodate multiple payment system choices, good usability, accommodate some kind of security function, i.e. BankID and clarify information regarding the payment process. In addition, there is a strong relationship between customers trust in the company and customers trust in the payment system.
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Elwing, Malin. "Betalsystem på webben för utvecklaren." Thesis, University of Kalmar, School of Communication and Design, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:hik:diva-1969.

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Rapporten tar upp och behandlar ämnet betalväxlar utifrån en utvecklares perspektiv. Två företag som varit i eller nära inpå processen att utveckla en webbshop har intervjuats och jämförts med utbudet hos ett antal olika betalväxlar. Intervjuerna har visat ett resultat som är mycket troligt att man som ny utvecklare kommer i kontakt med i början. Positionen kan då vara både som utvecklare eller som ägare till webbshoppen. Det gick även att konstatera att det fanns ett antal betalväxlar lämpade för olika kunskapsnivåer. Professionell hjälp i form av råd och implementation måste inte tvunget vara en nödvändighet för att man ska kunna sätta upp en relativt avancerad webbshop.


This report deals with online Payment Service Providers (PSPs) from the developer's point of view. Two companies that were in or in close connection to the process of developing a web shop were interviewed and compared to the suppöy of payment options at a number of different payment PSPs. The interviews has shown a result which is probable that a new developer will get in contact with in the beginning. The position could be either as a web developer or as an owner of a web shop. It was also possible to establish that there were a number of PSPs suitable for different levels of knowledge within the field. Professional help such as advices and implementation is not necessary in order to be able to set up a relatively advanced web shop.

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Scherling, Daniel, and Roosa Antinoja. "The Effects of E-payment Methods on Online Purchasing Cancellation : An empirical study on Swedish consumers’ perception of trust and security in e-payments." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-44079.

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Abstract Background: Around 45% of Swedish consumers canceled their online purchase in 2018, due to too high delivery fees and issues concerning payments. This research is focusing on e-payments by utilizing the Technology Acceptance Model 3 and its determinants perceived usefulness and perceived ease of use, and how they contribute to the e-payment method decision. Additionally, the relevance of online trust and online security are examined in relation to purchasing cancellations due to trust and security issues in e-payment methods.   Purpose: The purpose of this research paper is to understand how Swedish millennial consumers’ perceptions of online security and online trust of e-payment methods effect on online purchasing cancellation. Furthermore, this paper examines how perceptions of usefulness and ease of use contribute as determinants in choosing between e-payment methods according to Swedish millennial consumers.   Method: The research is carried out in a qualitative manner by conducting a series of semi-structured face-to-face interviews. Fifteen Swedish millennials contributed to the empirical study. The gathered primary data is analyzed and then presented in chapter 4 and connected to the existing literature in chapter 5.   Conclusion: For the Swedish millennials, both online trust and online security are perceived as important determinants when evaluating whether or not the e-payment method could be used. When choosing between different e-payment methods, perceived ease of use seemed to be more important. Additionally, the decisions are made based on which e-payment method is secure, trustworthy, and easy to use. The presence of those determinants also increases perceived usefulness. When making purchases online domestically it appears that perceived ease of use and perceived usefulness weight heavier. While trust and security are given more importance if the purchase is made from a foreign website.
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Wong, Chong Wan. "Using dynamically-generated account to integrate heterogeneous B2C e-payment systems." Thesis, University of Macau, 2010. http://umaclib3.umac.mo/record=b2148240.

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Sharma, Pranav. "An evaluation of e-payment systems and their application in mobile commerce." Thesis, University of Ottawa (Canada), 2004. http://hdl.handle.net/10393/26769.

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Electronic commerce is growing at an ever increasing pace every year. However, the payment mechanisms in use were developed without electronic commerce in mind, and as a result, must be modified before they may be used for online transactions. In this thesis, the online payment mechanisms in use are analyzed to find out if they meet present day electronic businesses requirements. A comparative study of existing payment mechanisms has been performed and their strengths and weaknesses evaluated. Recommendations are made for improved mechanisms capable of meeting the needs of consumers and businesses today.
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Sartori, Jessica <1994&gt. "Il mobile payment e il suo impatto sull'ecosistema del settore dei pagamenti." Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/18090.

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L’introduzione delle innovazioni tecnologiche nello scenario dei pagamenti digitali ha contribuito al sovvertimento delle dinamiche di potere e ad una rivalutazione dei modelli di business valutati dagli incumbent. Il Fintech è considerato come innovazione disruptive in grado di cambiare i giochi, capace di sconvolgere il mercato finanziario tradizionale e modificare le abitudini di consumo. L’obiettivo dell’elaborato è quello di analizzare come siano variate le dinamiche di potere a seguito dell’introduzione dell’innovazione nel mercato del mobile payment e quali siano le soluzioni ottimali attuabili dall’ecosistema di riferimento, al fine di valorizzare il settore dei pagamenti mobile. L’analisi è il risultato di una review della letteratura che valuta il mondo FinTech e il sistema dei pagamenti mobile. In primis, si è delineato il contesto innovativo: le innovazioni tecnologiche, gli stakeholder che vi operano e le dinamiche di mercato. In seguito, il focus è passato al sistema dei pagamenti mobile e alle innovazioni che hanno contraddistinto il settore. Infine, si è descritto l’ecosistema di riferimento e la lotta di potere tra i diversi player operanti nel settore. Si è posta particolare attenzione sugli incumbent e le nuove entranti, a seguito dell’introduzione della PSD2. Si è valutato il peso delle innovazioni sulle abitudini di consumo e sugli utenti. L’intento dell’elaborato è, in conclusione, quello di valutare se, per i diversi attori dell’ecosistema analizzato, è più opportuno optare per una strategia di collaborazione piuttosto che di competizione.
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Books on the topic "E-payment"

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Lammer, Thomas, ed. Handbuch E-Money, E-Payment & M-Payment. Heidelberg: Physica-Verlag HD, 2006. http://dx.doi.org/10.1007/3-7908-1652-3.

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Dannenberg, Marius, and Anja Ulrich. E-Payment und E-Billing. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7.

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Teichmann, René, Martin Nonnenmacher, and Joachim Henkel, eds. E-Commerce und E-Payment. Wiesbaden: Gabler Verlag, 2001. http://dx.doi.org/10.1007/978-3-322-86953-1.

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Kou, Weidong. Payment Technologies for E-Commerce. Berlin, Heidelberg: Springer Berlin Heidelberg, 2003.

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Kou, Weidong. Payment Technologies for E-Commerce. Berlin, Heidelberg: Springer Berlin Heidelberg, 2003. http://dx.doi.org/10.1007/978-3-662-05322-5.

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missing], [name. Payment technologies for E-commerce. Berlin: Springer, 2003.

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E-payment: The digital exchange. Singapore: Ridge Books, 2004.

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O'Mahony, Donal. Electronic payment systems for e-commerce. 2nd ed. Boston: Artech House, 2001.

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Geva, Benjamin. Legal aspects relating to payment by e-money: Review of retail payment system fundamentals. London: London Institute of International Banking, Finance & Development Law, 2001.

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Start, Gerrard T. The future for electronic payment systems: Managing the payment card and e-commerce rewvolution. London: FT Retail & Consumer Pub., 1997.

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Book chapters on the topic "E-payment"

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Schmitz, Uwe. "E-Payment." In Grundkurs Electronic Business, 223–30. Wiesbaden: Springer Fachmedien Wiesbaden, 2020. http://dx.doi.org/10.1007/978-3-658-29442-7_24.

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Cawsey, Alison, and Rick Dewar. "e-Payment." In Internet Technology and e-Commerce, 182–91. London: Macmillan Education UK, 2004. http://dx.doi.org/10.1007/978-1-137-05892-8_12.

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Dannenberg, Marius, and Anja Ulrich. "Mobile Payment-Systeme." In E-Payment und E-Billing, 205–25. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_8.

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van Baal, Sebastian, and Jens-Werner Hinrichs. "Internet-Zahlungssysteme aus Händlersicht: Bedeutung, Bewertung, Eigenschaften." In Handbuch E-Money, E-Payment & M-Payment, 293–305. Heidelberg: Physica-Verlag HD, 2006. http://dx.doi.org/10.1007/3-7908-1652-3_22.

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Van Hove, Leo. "What Future for Electronic Purses?" In Handbuch E-Money, E-Payment & M-Payment, 379–405. Heidelberg: Physica-Verlag HD, 2006. http://dx.doi.org/10.1007/3-7908-1652-3_27.

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Dannenberg, Marius, and Anja Ulrich. "Internet Bill Presentment and Payment." In E-Payment und E-Billing, 227–43. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_9.

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Dannenberg, Marius, and Anja Ulrich. "Einführung." In E-Payment und E-Billing, 11–17. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_1.

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Dannenberg, Marius, and Anja Ulrich. "Zusammenfassung und Ausblick." In E-Payment und E-Billing, 245–49. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_10.

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Dannenberg, Marius, and Anja Ulrich. "Entwicklungsgeschichte, begriffliche Grundlagen und Systematisierung elektronischer Bezahlsysteme." In E-Payment und E-Billing, 19–48. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_2.

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Dannenberg, Marius, and Anja Ulrich. "Anforderungen an elektronische Bezahlverfahren: Bewertungskriterien." In E-Payment und E-Billing, 49–65. Wiesbaden: Gabler Verlag, 2004. http://dx.doi.org/10.1007/978-3-322-91252-7_3.

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Conference papers on the topic "E-payment"

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Jingwei Liu, Weidong Kou, and Rong Sun. "Fair e-payment protocols." In Proceedings of the Ninth International Conference on Computer Supported Cooperative Work in Design. IEEE, 2005. http://dx.doi.org/10.1109/cscwd.2005.194157.

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Mladenović, Vladimir, Milica Krulj-Mladenović, and Danilo Obradović. "EXPANSION OF E-PAYMENT." In Sixth International Scientific-Business Conference LIMEN Leadership, Innovation, Management and Economics: Integrated Politics of Research. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2020. http://dx.doi.org/10.31410/limen.2020.175.

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As a result of the difficulties caused by Covid-19 all over the world, there is an expansion of contactless and online payment. People are turning more and more toward E-commerce, and if this is not possible, they tend to choose contactless payment, in order to comply with all the current health and safety regulations. This paper is about the current variety of offers for contactless payment in Serbia, which is expanding daily. Cash is used less and less in Serbia, this being the consequence of mass usage of internet cards offered by the banks operating in our country, as well as Apple pay, one of the most advanced and secure ways of payment in the world.
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Junxuan, Zhu. "Research on E-Payment Model." In 2010 International Conference on E-Business and E-Government (ICEE). IEEE, 2010. http://dx.doi.org/10.1109/icee.2010.93.

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"E-PAYMENT SECURITY - Recommendations about the use of a PKI for e-payment security." In 1st International Conference on E-business and Telecommunication Networks. SciTePress - Science and and Technology Publications, 2004. http://dx.doi.org/10.5220/0001396803170323.

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Zhang, Qinghua. "Mobile payment in mobile e-commerce." In 2008 7th World Congress on Intelligent Control and Automation. IEEE, 2008. http://dx.doi.org/10.1109/wcica.2008.4593933.

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Jiemiao, Zhang. "Research on Secure E-Payment Protocol." In 2011 International Conference on Information Management, Innovation Management and Industrial Engineering (ICIII). IEEE, 2011. http://dx.doi.org/10.1109/iciii.2011.35.

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Zaba, S. "Selecting the right E-payment scheme." In IEE Seminar on Protecting Your Intellectual Property: Security, Encryption and Anti-copy Technologies. IEE, 1999. http://dx.doi.org/10.1049/ic:19990465.

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Johan, Ainul Hazirah Shah, and Ulaganathan Subramanian. "E-Payment as an Alternative Payment System in Petrol Stations of Brunei." In 2022 International Conference on Innovations in Science and Technology for Sustainable Development (ICISTSD). IEEE, 2022. http://dx.doi.org/10.1109/icistsd55159.2022.10010508.

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Jin, Nie. "Analysis of Current E-Payment Solution in China-Third Party Payment Platform." In 2007 First International Symposium on Data, Privacy, and E-Commerce. IEEE, 2007. http://dx.doi.org/10.1109/isdpe.2007.22.

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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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Reports on the topic "E-payment"

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Amine, Razan, and Fabrizio Santoro. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini, RiB 83. Institute of Development Studies, February 2023. http://dx.doi.org/10.19088/ictd.2023.007.

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To reduce physical contact, Covid-19 forced many tax authorities to embrace digital technologies for filing and payment. Pandemic control aside, e-filing and e-payment hold great promise in facilitating taxpayer compliance, increasing transparency and curbing opportunity for collusion (Okunogbe and Santoro 2021). Eswatini mandated e-filing for all income taxpayers in September 2020, through the online e-Tax platform. Subsequently, the tax administration launched a zero-cash-handling policy for tax payments in April 2021. Our paper evaluated the impact of the e-Tax mandate on income taxpayers’ filing and payment behaviour, examining the following questions: (i) What is the impact of mandating e-filing on filing and payment compliance? (ii) Are there any spillover effects on filing and payment accuracy? (iii) What are the key mechanisms that explain the results?
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Amine, Razan, and Fabrizio Santoro. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini. Institute of Development Studies, February 2023. http://dx.doi.org/10.19088/ictd.2023.006.

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To reduce physical contact, Covid-19 forced many tax authorities to embrace digital technologies for filing and payment. Pandemic control aside, e-filing and e-payment hold great promise in facilitating taxpayer compliance, increasing transparency and curbing opportunity for collusion (Okunogbe and Santoro 2021). Eswatini mandated e-filing for all income taxpayers in September 2020, through the online e-Tax platform. Subsequently, the tax administration launched a zero-cash-handling policy for tax payments in April 2021. Our paper evaluated the impact of the e-Tax mandate on income taxpayers’ filing and payment behaviour, examining the following questions: (i) What is the impact of mandating e-filing on filing and payment compliance? (ii) Are there any spillover effects on filing and payment accuracy? (iii) What are the key mechanisms that explain the results? Summary of Working Paper 140 by Fabrizio Santoro, Razan Amine and Tanele Magong.
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Arewa, Moyosore, and Fabrizio Santoro. An Introduction to Digital Tax Payment Systems in Low-and Middle-Income Countries. Institute of Development Studies, December 2022. http://dx.doi.org/10.19088/ictd.2022.019.

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National tax administrations are increasingly investing in the digital facilities needed to make it possible for taxpayers to go online both to file their routine tax returns (e-filing) and remit the tax payments due (e-payment). These facilities potentially benefit both taxpayers and tax administrations. This paper first maps the landscape, explaining which filing and payment technologies are used for tax collection in Africa. We then examine why these technologies are not used to their full potential. Some constraints are on the demand side. These include taxpayers’ preferences for cash and in-person relations and low familiarity with and trust in digital technology. Other constraints lie in infrastructure deficits and broader political, regulatory, and institutional factors. Unlocking the full potential of e-filing and e-payment systems thus seems to depend on meeting several pre-conditions, including solid political will, sound regulatory frameworks, reliable payment infrastructure and adequate investment in human capital. However, there is relatively little reliable evidence of the actual effectiveness of e-services in tax collection. We conclude by outlining some research priorities.
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Santoro, Fabrizio, Razan Amine, and Tanele Magongo. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini. Institute of Development Studies, May 2022. http://dx.doi.org/10.19088/ictd.2022.006.

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Many tax authorities changed the mode of interacting with taxpayers from physical to online as a response to the Covid-19 pandemic, to diminish the spread of the virus. Eswatini, the country under study, mandated the use of online tax filing through the e-Tax system for all income tax payers, coupled with a zero-cash-handling policy for tax payment. By means of a difference-in-difference (DID) strategy, reinforced by a propensity score matching (PSM), this paper offers an impact evaluation of the mandate on taxpayer filing and payment behaviour. We present three sets of results. First, we describe which firms are most likely to register for e-Tax – mostly large firms and those in the primary and tertiary sectors. Second, we show that e-Tax uptake significantly improves filing behaviour, as well as payment behaviour. E-Tax registered taxpayers are less likely to file nil (by 60 per cent), declare more turnover and taxable income, and are 70 per cent more likely to pay conditional on filing. Third, we shed light on the mechanisms behind our main findings, showing that the technology improved accuracy and reduced compliance costs. E-Tax-registered treated taxpayers are more likely to file on time, file for VAT, report more accurately, and, on the payment side, to pay their liabilities in full.
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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. Cambridge, MA: National Bureau of Economic Research, May 2023. http://dx.doi.org/10.3386/w31202.

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Megersa, Kelbesa, Fabrizio Santoro, Adrienne Lees, Marco Carreras, Theonille Mukamana, Naphtal Hakizimana, and Yves Nsengiyumva. Technology and Tax: Adoption and Impacts of E-services in Rwanda. Institute of Development Studies, May 2023. http://dx.doi.org/10.19088/ictd.2023.029.

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Many low-income countries are increasingly digitising their tax services, which can bring a range of benefits, from reducing compliance costs and improving record-keeping, to limiting opportunities for corruption and increasing fairness in the tax system. However, the success of these benefits depends on adequate levels of awareness and adoption of e-services among taxpayers; where these levels are suboptimal, tax e-services may produce only partial benefits. This paper examines the extent of awareness and uptake of tax e-services in Rwanda from a pre-pandemic situation up to two years into the COVID-19 crisis. The country has increasingly digitalised its tax administration, even more so during the pandemic. Electronic filing and payment of taxes have been mandatory since 2015, and two different e-services are available: E-tax, a free web-based platform designed to be used on computers and smartphones, and M-declaration, a feature phone-based application which enables mobile money payments and a simpler process for filing a return. This allows us to run a comparative analysis of the two solutions. We apply a mixed methods approach, using a nationally representative panel survey of 2,000 corporate (CIT) and personal (PIT) income taxpayers, with baseline information collected pre-COVID-19 and four follow-up rounds carried out after the pandemic hit, and focus group discussions (FGDs) with 24 e-services users. Summary of Working Paper 153.
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Romero Ugarte, José Luis, Abel Sánchez Martín, and Carlos Martín Rodríguez. Alternativas a la evolución de la operativa bancaria mayorista en el eurosistema. Madrid: Banco de España, March 2023. http://dx.doi.org/10.53479/29779.

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In recent years, payment systems have benefited from technological developments that have accelerated their evolution and adaptation to user needs. Payment systems ultimately depend on central bank money, and the debate about the advisability of updating the different ways of representing this asset has intensified recently. The purpose of this paper is to classify the alternatives available in the wholesale payments environment and identify their possible impact on financial markets. To do so, the motivations behind the creation of a unified large-value payment system in the Eurosystem are listed and analysed to see whether these drivers are still present today and to what extent they could be affected should any of the alternative systems identified become pervasive. A lo largo de los últimos años, los sistemas de pago se han visto beneficiados por los desarrollos tecnológicos, que han favorecido su evolución y adaptación a las necesidades de los usuarios. Dichas infraestructuras dependen en última instancia del dinero de banco central, y recientemente se ha intensificado el debate sobre la conveniencia de actualizar las distintas formas de representación de dicho activo. El objeto del presente documento es clasificar las distintas alternativas presentes en el ámbito de los pagos mayoristas e identificar el impacto que podrían tener en los mercados financieros. Para ello, se enumeran las motivaciones que impulsaron la creación de un sistema de grandes pagos unificado en el Eurosistema, y se analiza si dichas motivaciones siguen presentes en la actualidad y en qué medida podrían verse afectadas por una posible generalización de alguna de las alternativas identificadas en los sistemas de pago mayoristas en el Eurosistema.
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Czajka, Leo, Florence Kondylis, Bassirou Sarr, and Mattea Stein. Data Management at the Senegalese Tax Authority: Insights from a Long-term Research Collaboration. Institute of Development Studies, December 2022. http://dx.doi.org/10.19088/ictd.2022.020.

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As they increasingly adopt digital infrastructure, public administrations worldwide are increasingly collecting, generating and managing data. Empirical researchers are, at the same time, collaborating more and more with administrations, accessing vast amounts of data, and setting new research agendas. These collaborations have taken place in low-income countries in particular, where administrative data can be a valuable substitute for scarce survey data. However, the transition to a full-fledged digital administration can be a long and difficult process, sharply contrasting the common leap-frog narrative. Based on observations made during a five-year research collaboration with the Senegalese tax administration, this qualitative case study discusses the main data management challenges the tax administration faces. Much progress has recently been made with the modernisation of the administration’s digital capacity ,and adoption of e-filling and e-payment systems. However, there remains substantial scope for the administration to enhance data management and improve its efficiency in performing basic tasks, such as the identification of active taxpayers or the detection of various forms of non-compliance. In particular, there needs to be sustained investment in human resources specifically trained in data analysis. Recently progress has been made through creating – in collaboration with the researchers – a ‘datalab’ that now works to improve processes to collect, clean, merge and use data to improve revenue mobilisation.
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Accelerating Digital Payments in Latin America and the Caribbean. Inter-American Development Bank, May 2022. http://dx.doi.org/10.18235/0004256.

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Between the first and second quarters of 2020, e-commerce website traffic from five of the regions major markets increased by over 150%. The COVID-19 pandemic has pushed and pulled tens of thousands of businesses in the region to go digital. The impact and advantages of such digitalization are quite telling for small and medium-sized enterprises (SMEs) in particular. SMEs in LAC can diversify their customer base and reach 20 foreign markets when operating online, while those that operate offline can only reach from two to five. As todays digital economy becomes the norm, universal basic services such as education and medical care are also taking place online. Digital payments are critical to enabling this transformation at both domestic and cross-border levels. But many challenges still exist that preclude the broadening of digital payment use throughout the region from a lack of access, regulatory harmonization and affordable payment solutions, to a need for further public and private sector cooperation, consumer protections and an open, inclusive and interoperable payment ecosystem. In 2021, the World Economic Forum and the innovation laboratory of the Inter-American Development Bank, IDB Lab, jointly launched the Payments to Advance Growth for All (PAGA) initiative to address these challenges. This initiative has convened a diverse community of over 100 public and private sector representatives to explore, through dialogue, how to best unlock the true benefits of digital payments in LAC. As digital payments continue to thrive and drive financial inclusion and economic growth, we hope this paper will provide a timely snapshot of the most pressing issues and highlight the importance of public-private and private-private cooperation to advance digital payments for all in an open, inclusive and safe manner. * The opinions expressed in this work are those of the authors and do not necessarily reflect the views of the IDB, its Board of Directors or the countries they represent, nor of the MIF (IDB Lab) Donors Committee or the countries it represents.
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Financial Stability Report - Second Semester of 2021. Banco de la República, September 2022. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2021.

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Banco de la República’s main objective is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system assesses and manages the financial risks in a way that facilitates the economy’s performance and efficient allocation of resources while, at the same time, it is able to, on its own, absorb, dissipate, and mitigate the shocks that may arise as a result of adverse events. This Financial Stability Report meets the goal of giving Banco de la República’s diagnosis of the financial system’s and its debtors’ recent performance as well as of the main risks and vulnerabilities that could affect the stability of the Colombian economy. In this way, participants in financial markets and the public are being informed, and public debate on trends and risks affecting the system is being encouraged. The results presented here also serve the monetary authority as a basis for making decisions that will enhance financial stability in the general context of its objectives. In recent months, several positive aspects of the financial system have preserved a remarkable degree of continuity and stability: the liquidity and capital adequacy of financial institutions have remained well above the regulatory minimums at both the individual and consolidated levels, the coverage of past-due loans by loan-loss provisions remains high, and the financial markets for public and private debt and stocks have continued to function normally. At the same time, a surge in all the types of loan portfolios, a sharp downturn in the non-performing loan portfolio, and a rise in the profitability of credit institutions can be seen for the first time since the beginning of the pandemic. In line with the general recovery of the economy, the main vulnerability to the stability of the Colombian financial system identified in the previous edition—uncertainty about changes in the non-performing loans portfolio—has receded and remains on a downward trend. In this edition, the main source of vulnerability identified for financial stability in the short term is the system’s exposure to sudden changes in international financial conditions; the results presented in this Report indicate that the system is sufficiently resilient to such scenarios. In compliance with its constitutional objectives and in coordination with the financial system’s security network, Banco de la República will continue to closely monitor the outlook for financial stability at this juncture and will make the decisions necessary to ensure the proper functioning of the economy, facilitate the flow of sufficient credit and liquidity resources, and further the smooth functioning of the payment system. Leonardo Villar Gomez Governor Box 1 -Decomposition of the Net Interest Margin in Colombia and Chile Wilmar Cabrera Daniela Rodríguez-Novoa Box 2 - Spatial Analysis of New Home Prices in Bogota, Medellín, and Cali Using a Geostatistical Approach María Fernanda Meneses Camilo Eduardo Sánchez Box 3 - Interest Rate Model for the SYSMO Stress Test Exercise Wilmar Cabrera Diego Cuesta Santiago Gamba Camilo Gómez Box 4 - The Transition from LIBOR and other International Benchmark Rates Daniela X. Gualtero Briceño Javier E. Pirateque Niño
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