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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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Soegoto, Eddy Soeryanto, and R. A. Rahman. "E-Payment Systems in Selling Product." Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities 1 (December 1, 2020): 59–65. http://dx.doi.org/10.34010/icobest.v1i.12.
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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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Neprash, Hannah T., Ezra Golberstein, Ishani Ganguli, and Michael E. Chernew. "Association of Evaluation and Management Payment Policy Changes With Medicare Payment to Physicians by Specialty." JAMA 329, no. 8 (February 28, 2023): 662. http://dx.doi.org/10.1001/jama.2023.0879.
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ImportanceUS primary care physicians (PCPs) have lower mean incomes than specialists, likely contributing to workforce shortages. In 2021, the Centers for Medicare & Medicaid Services increased payment for evaluation and management (E/M) services and relaxed documentation requirements. These changes may have reduced the gap between primary care and specialist payment.ObjectivesTo simulate the effect of the E/M payment policy change on total Medicare physician payments while holding volume constant and to compare these simulated changes with observed changes in total Medicare payments and E/M coding intensity, before (July-December 2020) and after (July-December 2021) the E/M payment policy change.Design, Setting, and ParticipantsRetrospective observational study of US office-based physicians who were in specialties with 5000 or more physicians billing Medicare and who had 50 or more fee-for-service Medicare visits before and after the E/M payment policy change.ExposuresE/M payment policy changes.Main Outcomes and MeasuresOutcomes included physician-level simulated volume-constant payment change, total observed Medicare payment change, and share of high-intensity (ie, level 4 or 5) E/M visits before and after the E/M payment policy change. For each specialty, the median change in each outcome was reported. The payment gap between primary care and specialty physicians was calculated as the difference between total Medicare payments to the median primary care and median specialty physician.ResultsThe study population included 180 624 physicians. Repricing 2020 services yielded a simulated volume-constant payment change ranging from a 3.3% (−$4557.0) decrease for the median radiologist to an 11.0% ($3683.1) increase for the median family practice physician. After the E/M payment change, the median high-intensity share of E/M visits increased for physicians of nearly all specialties, ranging from a −4.4 percentage point increase (dermatology) to a 17.8 percentage point increase (psychiatry). The median change in total Medicare payments by specialty ranged from −4.2% (−$1782.9) for general surgery to 12.1% ($3746.9) for family practice. From July-December 2020 to July-December 2021, the payment gap between the median primary care physician and the median specialist shrank by $825.1, from $40 259.8 to $39 434.7 (primary care, $41 193.3 in July-December 2020 and $45 962.4 in July-December 2021; specialist, $81 453.1 in July-December 2020 and $85 397.1 in July-December 2021)—a relative decrease of 2.0%.Conclusions and RelevanceAmong US office-based physicians receiving Medicare payments in 2020 and 2021, E/M payment policy changes were associated with changes in Medicare payment by specialty, although the payment gap between primary care physicians and specialists decreased only modestly. The findings may have been influenced by the COVID-19 pandemic, and further research in subsequent years is needed.
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Prasetya, Machmudin Eka, Intan Salwani Mohamed, Shuhaida Mohamed Shuhidan, and Gede Harja Wasistha. "The COVID-19 Pandemic as a Driving Force for E-Wallet Adoption in Indonesia." Business and Management Horizons 9, no. 2 (December 15, 2021): 40. http://dx.doi.org/10.5296/bmh.v9i2.19335.
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During the COVID-19 pandemic, e-payment systems, also known as cashless payment systems, have steadily evolved as a payment system instrument. Changes in payment methods, followed by a growth in digital payment systems, may be driving people to use e-wallets. The functions of an e-wallet are similar to those of an e-banking or mobile banking account, but an e-wallet gives greater convenience and simplicity of access while making payments. Because the use of e-wallets can help reduce the spread of COVID-19-causing coronaviruses, this study looks into the possibilities of increasing e-wallet usage while also increasing the use of digital payment and online transactions during the COVID-19 outbreak.
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Sylvester Afaha, John. "Electronic Payment Systems (E-payments) and Nigeria Economic Growth." European Business & Management 5, no. 6 (2019): 77. http://dx.doi.org/10.11648/j.ebm.20190506.11.
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Ashrafi, Mafruz Zaman, and See Kiong Ng. "Privacy-preserving e-payments using one-time payment details." Computer Standards & Interfaces 31, no. 2 (February 2009): 321–28. http://dx.doi.org/10.1016/j.csi.2008.04.001.
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Gholami, Roya, Augustine Ogun, Elizabeth Koh, and John Lim. "Factors Affecting e-Payment Adoption in Nigeria." Journal of Electronic Commerce in Organizations 8, no. 4 (October 2010): 51–67. http://dx.doi.org/10.4018/jeco.2010100104.
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The payment system of a country plays a crucial role in its economy; however, despite the benefits of e-Payment and efforts by financial authorities, Nigeria still has a low e-Payment adoption rate. In this regard, there is an urgent need to investigate the factors that affect individuals’ intention to adopt e-Payment. Drawing on the unified theory of acceptance and use of technology (UTAUT) model, this paper develops a theoretical model for e-Payment adoption in Nigeria. Additionally, a survey was conducted on 500 respondents with 213 complete responses received to test the model, and results show that perceived benefits, effort expectancy, social influence, trust, awareness, and demographic variables affected individuals’ intention to adopt e-Payments. Based on the findings, managerial and theoretical implications are deliberated.
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Bhadra, Subhajit, Saba Naaz, and Dr. Raktim Ghosh. "The E-Payment Trajectory during the Pandemic – The Case of India." Management Journal for Advanced Research 3, no. 1 (February 25, 2023): 21–25. http://dx.doi.org/10.54741/mjar.3.1.4.
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This study empirically investigates how the different e-payment methods performed during the pandemic as an alternative medium to the traditional mode of payment. E-payment methods namely Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT), Aadhaar Enabled Payment System (AEPS), Unified Payments Interface (UPI), and Immediate Payment Service (IMPS) are considered from June 1, 2020, to November 30, 2021, when the global pandemic was at its peak. Secondary daily data are considered in this study collected from the RBI database which was converted into corresponding log natural returns. GARCH (1,1) model was applied as the tool for analysis. It was noted that RTGS, AEPS, and UPI undergo positive volatility whereas NEFT and IMPS undergo negative volatility which enables us to conclude that RTGS, AEPS, and UPI are much more acceptable mediums of payments during the pandemic than the others.
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Sutia, Sabar, Mochammad Fahlevi, Mohamad Saparudin, Dasih Irma, and Sari Maemunah. "Should e-Payment Trust be e-Commerce Implemented as a Consumer Satisfaction Factor?" E3S Web of Conferences 202 (2020): 16002. http://dx.doi.org/10.1051/e3sconf/202020216002.
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Consumer trust related to payment is an essential topic in several studies of online shopping. Consumers are very concerned about security in transactions including when making cashless payments. This study uses a non-parametric test using a SmartPLS with a sample of 243 respondents. 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 linked to information security and data privacy security of consumers when making transactions on E-commerce.
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Mat Shafie, Intan Syafinaz, Yuslina Liza Mohd Yusof, Ainun Nadzirah Mahmood, Nor Irvoni Mohd Ishar, Hartini Zuhaila Jamal, and Noor Hidayatul Aini Abu Kasim. "Factors Influencing the Adoption of E-Payment: An Empirical Study in Malaysia." ADVANCES IN BUSINESS RESEARCH INTERNATIONAL JOURNAL 4, no. 2 (July 10, 2020): 53. http://dx.doi.org/10.24191/abrij.v4i2.10009.
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This study examines the antecedents of the factors that influence customers to adopt the electronic payment system while making payments. Payment is the one of the element to complete the transaction while making payment. Due to the development of E-commerce, e-payment systems have been introducing. So, the use of electronic payment systems is being increasing day by day for people to complete their task quickly ineffective way. The result of the study shows that there is a relationship between dependent variables (effort expectancy and social influence) and independent variable (Adopton of e-payment). However, other variables (culture, perceived security and performance expectancy) were not significant with adoption of e-payment. Therefore, the study approves effort expectancy and social influence has a significant relationship with adoption of e-payment. Therefore, companies today that do business using electronic payment system as the medium to complete the transaction must focus more on this two variable to increase the number of people use this payment system. The increasing the number of people use this payment system will contribute to excellent result for e-commerce because e-payment system is one of the factor e-commerce becomes successful and it will give good impact to our nation’s economy.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 28, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.130.
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This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.
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Lambongang, James Mado. "Assessing the Customer Behaviour in Relation to Electronic Payment Systems (EPS) in Some Ghanaian Banks in the Kumasi Metropolitan Assembly- Kumasi, Ghana." TEXILA INTERNATIONAL JOURNAL OF ACADEMIC RESEARCH 10, no. 3 (July 28, 2023): 156–77. http://dx.doi.org/10.21522/tijar.2014.10.03.art013.
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Although other payment methods are available, like card, cheque, mobile, and online payments, most Ghanaians still use the cash payment system. The study examined how Ghanaian customers felt about using electronic payments. These included determining thesector andctors that influence consumer adoption and use of electronic payment services in Ghanaian banks, examining customer satisfaction with e-payment in the banking sector, and preventing fraud. A sample size of 100 participants was chosen for the study using purposive sampling to select participants from the banks and systematic sampling to select participants from the customers. According to the research’s findings, factors such as usability, security, privacy, the caliber of the after-sales support, marketing mix, and reputation affect consumers’ opinions of electronic payment systems. According to the study, customers are satisfied with the value offered for their banking requirements and the opportunity to experiment with e-payments in the banking sector. The study also found that while customers’ top concerns are trust and security, barriers to e-commerce include a low internet penetration rate, fewer users, expensive and challenging e-commerce technology, and a lack of progress in other supporting industries. Trust and security are significant deterrents against using electronic payment systems. The ability of consumers and banks to reach a larger market and participate in the world payment system is another way that technology can help the economy. Stakeholders should offer the unbanked sufficient assurances of security for utilizing electronic payment systems on their privacy without requiring them to maintain accounts with them. Keywords: Electronic Payment Systems (EPS), Automated Teller Machines (ATMs), Kumasi Metropolitan Assembly (KMA)Payment Portal Services (PPS), Information and Communication Technologies (ICTs), and Central Business District (CBD).
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Lehner, F. "Lammer, Thomas (Hrsg.) Handbuch E-Money, E-Payment & M-Payment." WIRTSCHAFTSINFORMATIK 49, no. 2 (June 2007): 148. http://dx.doi.org/10.1007/s11576-007-0037-2.
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Pahwa, Ashima, and Tilak Raj. "Electronic Payments: Transformation in Payment Style and its Growth in India." RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 10 (October 13, 2022): 24–29. http://dx.doi.org/10.31305/rrijm.2022.v07.i10.003.
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In the present scenario, the way of performing financial transactions by the people is entirely transformed. Consumers briskly switch to cashless payment methods. E-Payment is an innovative and digitalized payment service that refers to payment for financial transactions over the internet. It can be done through cards, with the use of mobile apps, at POS and through P2P transfers. E-modes are operated for different reasons for instance purchase of goods and payment of services, transfer of money, recharges, bill payments, ticket bookings etc. Today the way to shop and pay for it has undergone a complete change worldwide. Electronic transactions in India are increasing year after year and competing with other developed nations in terms of the number of transactions done through e-modes. In the growing and advanced ecosystem of digital transactions, the main drive to conduct this study is to analyze the usage trend of e-payment modes and the overall growth of e-payments during the period of study. The study is based on secondary data that is collected from different sources. The study reveals that demonetization and Covid-19 had a great impact on the usage of the e-payment modes and reported a CAGR of 56.31% in the country in terms of volume of e-payments over 5 years. The proportion of electronic transactions has increased sharply both in terms of volume and value of transactions. Debit and credit cards are always in use in the long run but UPI shows a great hike in its usage from its introduction. In a very short time span, UPI has created its place in the digital market.
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Saong, Marilou, Eduardo Zuñiga, and Kirstein Palmares. "Satisfaction with and Challenges of Bank Remittance in Student Payments in the Philippines." International Journal of Academe and Industry Research 4, no. 3 (September 6, 2023): 20–36. http://dx.doi.org/10.53378/353001.
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The education sector is one of many that has been affected by the digitization of payments and administrative processes. The study used a descriptive survey method to analyze the student payment process, focusing on the stakeholders’ preferences, satisfaction, and challenges with bank remittance. The respondents included 422 undergraduate and graduate students, 13 parents, and 18 personnel in one University in the Philippines. The vast majority of respondents (63.68 percent – 95.86 percent) were aware of the university’s cash payments, online fund transfers through banks, over-the-counter bank deposits, bill payments through banks, GCash, Paygate. Except for GCash, only 50% or less were aware that payments could be made through Remittance Centers and e-wallets. Payment preferences were influenced by the respondents’ awareness on and the security, ease of use, and accessibility of payment platforms, resulting in a moderate level of satisfaction with the payment process. The study revealed that the student payment process requires improvement because the mode of bank remittances permitted by the University is not suited for immediate payment verification. There is a need to increase the number of bank partnerships that allow for the integration of the University’s software facility for bill payment. In some areas, students do not have access to banks or bill payment services. E-wallet or digital wallet applications such as GCash can be used to pay University fees.
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Bernhard O. ISHIORO, Ph.D. "THE LONG-RUN IMPACT OF E-PAYMENT ON FINANCIAL INCLUSION IN NIGERIA." International Journal of Management & Entrepreneurship Research 5, no. 5 (May 14, 2023): 281–90. http://dx.doi.org/10.51594/ijmer.v5i5.485.
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The link between e-payment system and financial inclusion (FI) is the fundamental interest of this paper. Series from the economy of Nigeria were adopted in testing the long-run equations of e-payment and FI. Furthermore, the normalized cointegration technique was applied to ascertain the definite relationship among our series. Our findings suggest that a long-run positive relationship existed between the surrogates of e-payments and financial inclusion in Nigeria. We recommended the widening and deepening of the e-payment mechanism in Nigeria to enhance sustainable financial inclusion.
Keywords: E-payment, Financial Inclusion, Normalized Cointegration, Nigeria.
JEL Classification:G20,G21,G28,C520.
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Sathyanarayanan R S, Rohith. "A Study on Customer’s Satisfaction on E-Payment with Reference to Thiruvallur District." Journal of Development Economics and Management Research Studies 10, no. 16 (2023): 116–24. http://dx.doi.org/10.53422/jdms.2023.101616.
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Invention of computer in 1960’s and later, introduction of www (world wide web) in 1989 led to revolutionary changes in electronic payment system. electronic payment systems evolved, payment process was minimized to just a few simple steps, which can be done at remote locations away from Bank. As the world becomes increasingly digital, the use of electronic payments (e-payments) has grown significantly. With the rise of e-commerce, it has become crucial to ensure that customers are satisfied with their e-payment experiences. This study is focus on the level of satisfaction on electronic payment with quantitative research approach, and data was collected through a structured questionnaire from 120 respondents residing in Thiruvallur. The questionnaire is focused on satisfaction, constraints, influencing factor, usage. The findings of the study shows that UPI is the mode of transaction used for daily use. The research makes use of statistical tools like ANOVA, chi-square and percentage analysis to study the different factors and determine the relationship between the variables
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Luong, Ha Thu, Khanh Mai Pham, Anh Hoai Thuc Nguyen, Ha Thi Thanh Nguyen, Thoa Thi Kim Dang, and Yen Thi Hoang Giao. "Payment Intermediary – Key Determinant Influencing Online Payment Intention on E-Commerce Platforms in Vietnam." International Journal of Management and Sustainability 11, no. 4 (December 5, 2022): 233–47. http://dx.doi.org/10.18488/11.v11i4.3216.
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E-commerce is a new, rising phenomenon in Southeast Asian countries, and online payment methods are becoming increasingly popular on e-commerce platforms. Despite increasing investments in e-commerce platforms' online payment systems, Vietnamese consumers are still doubtful about this innovative payment alternative. This research applied the Technology Acceptance Model (TAM) to analyze the variables affecting customers' intention to make online payments on e-commerce platforms in Vietnam, a potential Southeast Asian market. In addition, the research group expanded on the primary study by adding the variables of Subjective Norms, Trust, and Risk to validate the findings of the original work in the new context. A new factor suitable for Vietnamese conditions, Payment Intermediary, was included by the authors to better explain the consumers’ attitudes and intentions toward online payments. The surveys were carried out using two methods of basic random sampling: an offline approach at offices and schools, and an online approach using social media. 521 questionnaires were collected, and 448 were considered valid and met the requirements that were initially set. SPSS 26 was used to assess the consistency and validity of all variables and test the hypotheses using a regression model. The hypothesis model was verified. The results showed that the correlation between independent and dependent variables, namely Attitude toward Use and Intention to Use, is very clear. In consumers' use of e-commerce platforms, Payment Intermediary plays a crucial role in developing their online payment attitudes and intentions.
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Walsh, Patricia E. "E-payment: Cheque 21." International Journal of Electronic Finance 1, no. 2 (2006): 222. http://dx.doi.org/10.1504/ijef.2006.010317.
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Firmansyah, Agung, Muhammad Ilman Akbar, Mursal Rais, Mustafa Kamal, and Putu Wuri Handayani. "PENGEMBANGAN ALTERNATIF MODEL E-PAYMENT B2C (BUSINESS TO CONSUMER) UNTUK MASYARAKAT INDONESIA." Jurnal Sistem Informasi 5, no. 1 (July 13, 2012): 42. http://dx.doi.org/10.21609/jsi.v5i1.261.
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Saat ini, perkembangan aplikasi e-commerce di Indonesia khususnya aplikasi B2C (Business to Consumer) semakin meningkat. Salah satu komponen penting dalam proses jual beli secara online adalah proses pembayaran elektronik (e-payment). Penelitian ini bertujuan untuk mengembangkan empat model pembayaran elektronik berdasarkan kondisi ekonomi, keamanan, tingkat pendidikan, akses teknologi, pengguna telepon seluler dan pengguna kartu kredit dan ATM di Indonesia. Model pembayaran tersebut yaitu ATMPal, iCash, Pulsa E-payment dan Mobile Banking. Selain itu, dalam penelitian ini akan ditentukan peringkat kesesuaian untuk masing-masing model pembayaran tersebut dengan kondisi di Indonesia. Nowadays, the development of e-commerce applications in Indonesia, especially the application for B2C (Business to Consumer) is increasing. An important component in the process of online buying and selling is the electronic payment (e-payment). This research aims to develop four models of electronic payments based on economic conditions, safety, education level, access to technology, cell phone users, and credit cards and ATMs users in Indonesia. The payment model is ATMPal, iCash, Toll E-payment, and Mobile Banking. Moreover, this research will determined to rank the suitability of each such payment model to the conditions in Indonesia.
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Tan, Kendry, and Hari Sutra Disemadi. "Urgency of Electronic Wallet Regulation in Indonesia." Nagari Law Review 5, no. 1 (October 31, 2021): 1. http://dx.doi.org/10.25077/nalrev.v.5.i.1.p.1-14.2021.
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The payment system in Indonesia has undergone significant changes to date. Starting from the barter system to the existence of an electronic payment system. This change is caused by the development of technology, which has an impact on changing people's lifestyles. The payment system has been known to the public since 2014 when Bank Indonesia issued the National Non-Cash Movement (GNNT) policy. This policy aims to create a cashless society eco-system while at the same time introducing the advantages of electronic payments to the public. Electronic payments are considered safer, more efficient, and easier to track. However, electronic payments are also inseparable from their shortcomings. The electronic payment system, which is relatively new in Indonesia, will face several problems, especially with the legal system. Until now, there has been no law specifically regulating electronic payment systems, specifically E-wallet. This legal vacuum will cause problems both in terms of security and legal protection for users. This study aims to find out the problems that will arise from the E-wallet and provide solutions to the problems raised from a legal perspective. The research method used is normative juridical, using a conceptual approach and a statutory approach to review E-wallets in Indonesia. The results of this study indicate that several problems arise from electronic payments. Therefore, regulations are needed to protect user security, oversee the smooth implementation of E-wallet and maintain Indonesia's economic stability.
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Dongsen, Si. "E-Wallet, Convenient or Complicated?" Journal of Digitainability, Realism & Mastery (DREAM) 1, no. 01 (July 8, 2022): 18–22. http://dx.doi.org/10.56982/journalo.v1i01.8.
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Coronavirus or also known as COVID-19 has forced and encouraged the public throughout the world to avoid any activities related to physical touch that may include the payment activities. In view of the fact that during COVID-19 pandemic, the usage of e-payment activities has increased due to people worried that making direct traditional payment methods could transmit the virus through physical form of currency and ease consumers from carrying cash. The purpose of this research is to find out factors affecting the implementation of cashless payment in Chinese students by using a well-established unified theory of adoption and use of technology. The current research attaches to the body of knowledge by examining the impact of perceived risk, perceived usefulness, perceived technology security, hedonic motivation, and government support on adoption of e-wallet during the COVID-19 outbreak. Online questionnaires have been distributed to university respondents under convenience sampling method. As a consequence, the research found the effectiveness of e-wallet and e-payment among university students and the relationship between social influence and innovativeness are positively related to the adaptation of cashless payments.
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Khoirina, Marisya Mahdia, Alfina Alfina, and Hans Febrianto Setyo. "Determinan Individu Mengadopsi Layanan E-Payment (Studi Pada Millenials Di Kabupaten Gresik)." MANAJERIAL 8, no. 01 (January 24, 2021): 54. http://dx.doi.org/10.30587/manajerial.v8i01.1889.
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Background – The development and use of financial technology services, especially in payment transactions (digital e-payments), are also influenced by the millennial generation who are now the majority generation of the population in Indonesia (Susenas, 2017). In its development, financial technology also continues to require innovation and development in the financial system so that it can be accepted by each individual user. So that research related to what factors are of interest to millennial individuals is important to do. Purpose – This study identifies the faktors that interest individuals in the millennial generation using e-payment services with the Innovation Diffusion Theory framework. Design/ Methodology/ Approach - The sample in this study were 159 users of e-payment services aged 20 years to 40 years who live or have activities in Gresik Regency and use e-payment applications obtained by convenience sampling technique. This research includes exploratory research. The method used in this research is faktor analysis. Result and Discussion - The results of the research and analysis that have been carried out as a whole, in determining the most dominant faktors can be seen in the total variance results in the total variance table explained, the economic benefit faktor which is the dominant faktor with a variance value of 40.550%, the payment instrument faktor with a variance value of 5,894%, information faktor with a variance value of 5,369%, technical, economic and social faktors with a variance value of 4,942% and the utility faktor which is the last faktor with a variance value of 4,676%. Conclusion – The most influential factors that lead to E-payment Adoption decisions sequentially are: economic benefit factor which is the strongest influencing factor, then the payment instrument factor is a strong influencing factor, in the third position there is the Information factor, in the fourth position is technical, social and economic factors. The utility factor which is the last factor that has a strong enough effect. Research Implication - The public can find out the things that cause them to adopt e-payments. The majority of respondents agreed that they get economic benefits when using e-payment in transactions for using financial services and make the respondents interested in adopting e-payment, therefore companies that provide e-payment must maintain the quality of the e-payment application
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Khoirina, Marisya Mahdia, Alfina Alfina, and Hans Febrianto Setyo. "Determinan Individu Mengadopsi Layanan E-Payment (Studi Pada Millenials Di Kabupaten Gresik)." MANAJERIAL 8, no. 01 (January 24, 2021): 54. http://dx.doi.org/10.30587/jurnalmanajerial.v8i01.1889.
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Background – The development and use of financial technology services, especially in payment transactions (digital e-payments), are also influenced by the millennial generation who are now the majority generation of the population in Indonesia (Susenas, 2017). In its development, financial technology also continues to require innovation and development in the financial system so that it can be accepted by each individual user. So that research related to what factors are of interest to millennial individuals is important to do. Purpose – This study identifies the faktors that interest individuals in the millennial generation using e-payment services with the Innovation Diffusion Theory framework. Design/ Methodology/ Approach - The sample in this study were 159 users of e-payment services aged 20 years to 40 years who live or have activities in Gresik Regency and use e-payment applications obtained by convenience sampling technique. This research includes exploratory research. The method used in this research is faktor analysis. Result and Discussion - The results of the research and analysis that have been carried out as a whole, in determining the most dominant faktors can be seen in the total variance results in the total variance table explained, the economic benefit faktor which is the dominant faktor with a variance value of 40.550%, the payment instrument faktor with a variance value of 5,894%, information faktor with a variance value of 5,369%, technical, economic and social faktors with a variance value of 4,942% and the utility faktor which is the last faktor with a variance value of 4,676%. Conclusion – The most influential factors that lead to E-payment Adoption decisions sequentially are: economic benefit factor which is the strongest influencing factor, then the payment instrument factor is a strong influencing factor, in the third position there is the Information factor, in the fourth position is technical, social and economic factors. The utility factor which is the last factor that has a strong enough effect. Research Implication - The public can find out the things that cause them to adopt e-payments. The majority of respondents agreed that they get economic benefits when using e-payment in transactions for using financial services and make the respondents interested in adopting e-payment, therefore companies that provide e-payment must maintain the quality of the e-payment application
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Yuwono, Wisnu, and Nurtia Sari. "ANALYSIS OF THE VARIABLES DRIVING THE E-PAYMENT INTENSITY AMONG COLLEGE STUDENTS." Journal of Business Studies and Mangement Review 4, no. 2 (June 30, 2021): 173–78. http://dx.doi.org/10.22437/jbsmr.v4i2.13783.
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This study aims to analyze the influence of the variable performance expectancy, benefits, trust, self-efficacy, ease of use, and security on the use of electronic-based non-cash payment (e-payments) among students in Batam City, Riau Islands Province. The growth of e-payments in Indonesia has shown a high rate but it is still lagging behind that of several neighboring countries such as Vietnam and Thailand. Several studies on this subject have shown mixed results. By using primary data through the Smart PLS version 3.0 program tools, this study concluded that performance expectancy, benefits, self-efficacy showed a significant positive relationship with the e-payment intention, while trust, ease of use, and security showed insignificant. Based on these results, it is recommended that e-payment providers always pay attention to the needs of their users.
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Chan, Victor K. Y. "An Innovative but Low-Cost E-Payment Mechanism and its Extension to E-Ticketing and E-Identity Document Applications." Applied Mechanics and Materials 284-287 (January 2013): 3335–39. http://dx.doi.org/10.4028/www.scientific.net/amm.284-287.3335.
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Despite the advent of e-payment decades ago, the cashless society is still a prediction of pundits, in particular, in the retail or business-to-customer sector. No doubt, there are countless financial, political, economic, and social considerations as to the possibility of e-payment’s utilization to a larger extent than has occurred so far, but it is undeniable that there may still be ample room for technical improvement to virtually all existing e-payment mechanisms for catalyzing further popularization. Based on the literature on crucial factors determining particular e-payment mechanisms achieving critical mass, this article, given its applied and industrial rather than theoretical nature, summarizes the weaknesses of major existing e-payment mechanisms, deduces the key technical dilemmas underlying such weaknesses, and finally proposes an innovative but low-cost e-payment mechanism (now a patent pending of the author) to surmount such dilemmas by means of the enhancement and generalization of existing mobile phone tickets or otherwise. In particular, overcoming such dilemmas involves the provision of highly secure authentication and non-repudiation that are implementable over public communication transmission media and/or networks at no expense of payment success rates, operational ease and efficiency, hardware and software independence, and interoperability and portability. This article also illustrates the way to extend the proposed mechanism to such applications as e-ticketing and e-identity documents.
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Tkachuk, Volodymyr. "Problems of development of non-banking payment systems in Ukraine." Economic Analysis, no. 29(4) (2019): 80–88. http://dx.doi.org/10.35774/econa2019.04.080.
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Introduction. The development of non-cash payments is the key to economic growth in any country, because on the one hand, the level of control over payments increases, and on the other - the volume of customer spending increases, which leads to increased consumption and GDP growth. However, current trends in e-commerce and online commerce require the emergence of new technological solutions in the form of electronic payment systems that can legally handle transactions with electronic money and cryptocurrencies. Given the rapid pace of growth in transactions through non-banking electronic payment systems, the issue of identifying obstacles to the development of such payment systems is urgent, especially in view of the need to ensure effective oversight of payments and the deduction of payments. Purpose. The study of the main problems of development of non-banking payment systems in Ukraine in terms of their structural features and importance for the development of the national economy, as well as the development of recommendations for improving the right regulation of payment transactions with electronic money and cryptocurrencies. Results. The features of the development of non-bank payment systems in Ukraine are investigated. The author classification of non-bank payment systems is offered. The main directions of development of electronic payment systems in Ukraine are identified and the obstacles to the integration of international electronic payment systems providing cryptocurrency payment services are highlighted. Measures to improve domestic legislation in the field of electronic payment and cryptocurrency based electronic payment systems are proposed, as well as recommendations on the creation of a state non-banking electronic payment system using blockchain technology to increase transparency and public procurement payments paying taxes.
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Hassan, Md Arif, Zarina Shukur, Mohammad Kamrul Hasan, and Ahmed Salih Al-Khaleefa. "A Review on Electronic Payments Security." Symmetry 12, no. 8 (August 12, 2020): 1344. http://dx.doi.org/10.3390/sym12081344.
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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services.
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Kim, Sunyub. "What to Expect For the Retail CBDC: Evidence from E-payment and Financial Stability in China and Korea." Northeast Asia Economic Association Of Korea 34, no. 3 (December 31, 2022): 191–213. http://dx.doi.org/10.52819/jnes.2022.34.3.191.
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This study explores what can be expected for launching a Central Bank Digital Currency (CBDC) by investigating relationship between e-payments and financial stability. Most studies analyzed the impact of CBDC on financial stability focusing on a single nation’s economy. Few studies prospected the impacts of CBDC on the financial stability by comparing two nations with varying payment infrastructures. This study uses e-payment as a proxy for CBDC to derive implications on retail CBDC and financial stability.
This study is significant in that it seeks to prospect the effect of CBDC on financial stability by employing a real data analysis. This paper first identifies the causal correlation between e-payment and financial stability in China and Korea using a VAR model. Then, it employs a LSDV model to measure the effect of latent variables on financial stability in China and Korea when the coefficient between e-payment and financial stability is fixed equal. I use the quarterly panel data of capital adequacy ratios (CAR), e-payments, stock prices, and treasury bond yields spanning from 2014:Q1-2022:Q2. The results of the Granger test suggest that there is no Granger cause relationship between e-payments and BIS capital ratios. Meanwhile, the results of LSDV suggest that e-payments and financial stability are positively correlated and it is statistically significant. The positive correlation are larger when the variables affecting the financial stability are controlled. The results also suggest that the Korea-specific component is larger than the China-specific component implying that financial stability in Korean economy is more likely to be affected by the latent factors other than e-payment compared to the Chinese economy. Yet, owing to the negative impact of COVID-19 on the banking sector, the coefficient of e-payment and the financial stability is negative in the COVID sample. The risk premium is found to have a negative correlation with financial stability, and it was more evident in the Korea-specific component than in the China-specific component. It is inferred from these findings that China would have a greater incentive to launch a retail CBDC than Korea considering its prospected positive effect on financial stability.
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Khomenko, Elena G. "ON VIRTUALIZATION OF PAYMENT SERVICES IN THE RUSSIAN NATIONAL PAYMENT SYSTEM." Banking law 6 (December 10, 2020): 37–43. http://dx.doi.org/10.18572/1812-3945-2020-6-37-43.
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Currently, there is a development of e-Commerce, the possibility of reducing the cost of transfer services, the ability to make payments anonymously, as well as the elimination of gaps in legislation regarding the legal regulation of new technologies used for several years — payment applications, payment services, etc. The author of the article describes how the “virtualization” of the national payment system affects all types of payment services and how it manifests itself in relation to the payment acceptance service, postal transfer service and money transfer service. Special attention is paid to the activities of payment systems and the organization of the remote payment mechanism.
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Septech, Jassada, Motree Socatiyanurak, and Vorapol Socatiyanurak. "Cashless Economy: The Behavior of Using E-payment in Thailand." Parichart Journal, Thaksin University 36, no. 1 (January 5, 2023): 231–48. http://dx.doi.org/10.55164/pactj.v36i1.259344.
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This research article aims to study the behavior of using e-payment in Thailand, examining the financial factors of: 1) stepping into Thailand's cashless society, 2) people's perceptions of a cashless society, and 3) financial forecasting. In the research, Part 1 results indicate that Thailand is experiencing a growing behavior of using e-payment due to the continuous growth of payment channels through various payment systems and channels. According to the period from 2010 to 2021, a significant leap forward in this regard has been witnessed. Thus, Thailand is likely to transition from a cash-based society to a cashless society. This situation agrees with research by Thomas et al. [1]. In the current research, Part 2 results describe a study of 2,800 respondents from 2015 to 2019 and the effects of this behavior of using e-payments. Exchange and payment all come from consumer decision-making behavior. Since financial technology, or Fintech, is now part of the direction of the development of a cashless society in Thailand, the adoption and use of technology is, therefore, an important factor. The important internal factors include Performance Expectancy, Effort Expectancy, Social Influence, etc., which are consistent with and related to the behavior of using e-payment. From this research, it was concluded that the factors related to the transformation towards the behavior of e-payment in Thailand are the following: 1) personal factors, i.e. gender, age; 2) factors affecting decision-making; 3) factors of acceptance and use; and 4) technology adoption, all of which are factors that correlate with e-payment behavior.
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BAGUDU, Igbekele Gavine, and Ugo Chuks OKOLIE. "Analysis of Prospects and Challenges of E-Payment System in Nigeria." Journal of Business 11, no. 1 (June 21, 2022): 38–45. http://dx.doi.org/10.31578/job.v11i1.199.
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E-payment is an electronic transfer of cash via online transaction for business -to- consumer (B2C), business-to-business (B2B), person –to- person (P2P), and most recently administration -to- consumer (A2C) purposes. Nigeria payment system has been predominately cash – based. However the cost of cash to Nigeria financial system is high and increasing. It is in this respect that the Central Bank of Nigeria (CBN) introduced the cashless policy with the objective of promoting the use of e-payment channels instead of cash. E-payment system apart from convenience and safety also have a significant number benefits which include faster access to capital, reduced risk of cash-related crimes, access to credit, reduced cash handling costs, increased tax collections, reduced revenue leakage, greater financial inclusion, more service options, encouraged financial deepening and promotes savings, reduced risk in payments and settlements, increased economic development.
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Lestari, Merryana, Hindriyanto Dwi Purnomo, and Irwan Sembiring. "Pengaruh E-Payment Trust terhadap Minat Transaksi pada E-Marketplace Menggunakan Framework Technology Acceptance Model (TAM) 3." Jurnal Teknologi Informasi dan Ilmu Komputer 8, no. 5 (October 21, 2021): 977. http://dx.doi.org/10.25126/jtiik.2021855212.
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<p class="Abstrak">Transaksi melalui <em>e-Marketplace</em> dilakukan menggunakan transaksi pembayaran secara <em>digital</em> yang disebut sebagai layanan <em>e-Payment</em>. Oleh karena itu, <em>e-Payment</em> memegang peranan penting dalam proses transaksi jual beli pada <em>e-Marketplace</em> khususnya dalam transaksi pembayaran. Seringkali pengguna memiliki kekhawatiran tersendiri dalam melakukan transaksi pembayaran menggunakan <em>e-Payment</em>, salah satu kekhawatiran paling mendasar adalah mengenai jaminan integritas keamanan data dan privasi data pelanggan. Kepercayaan pengguna dipandang menjadi suatu resiko besar yang dapat memberikan pengaruh terhadap minat pembelian pada <em>e-Marketplace</em>. Melalui penelitian ini, akan dianalisis bagaimana tingkat pengaruh kepercayaan pengguna pada <em>e-Payment</em> di Indonesia terhadap transaksi pada <em>e-Marketplace</em> memakai metode <em>Technology Acceptance Model </em>(TAM) versi 3. Hasil penelitian ini merupakan bahan evaluasi bagi <em>vendor</em> <em>e-Marketplace</em> guna melakukan analisis seberapa sering pengguna melakukan transaksi di dalam <em>e-Marketplace</em> sehingga semakin memberikan kepercayaan pengguna untuk melakukan transaksi menggunakan layanan <em>e-Payment</em>.</p><p class="Abstrak"> </p><p class="Abstrak"><em><strong>Abstract</strong></em></p><p class="Abstract"><em>Transactions through e-Marketplace are carried out using digital payment transactions or commonly referred to as e-Payments. Therefore, e-Payment plays an important role in the process of buying and selling transactions on the e-Marketplace, especially in payment transactions. Often users have their own concerns in making payment transactions using e-Payment, one of the most basic concerns is about guaranteeing data security integrity and customer data privacy. User trust is seen as a big risk that can have an influence on buying interest in the e-Marketplace. Through this research, it will be analyzed how the level of influence of user trust in e-Payment in Indonesia on the impact of purchases on e-Marketplace using the Technology Acceptance Model 3 (TAM 3) framework. The results of this study can be used as evaluation material for e-Marketplace vendors to analyze how often users make transactions in the e-Marketplace so that it gives more confidence to users to make transactions using e-Payment services.</em></p><p class="Abstrak"><em><strong><br /></strong></em></p>
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Purwantini, Anissa Hakim, and Friztina Anisa. "FINTECH PAYMENT ADOPTION AMONG MICRO-ENTERPRISES: THE ROLE OF PERCEIVED RISK AND TRUST." Jurnal ASET (Akuntansi Riset) 13, no. 2 (December 30, 2021): 375–86. http://dx.doi.org/10.17509/jaset.v13i2.37212.
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The current adoption of fintech payment technology by MSMEs is motivated by the trend of using digital money. This study presents an investigation the factors that influence the intention to use fintech payments (e-money, e-wallet and Electronic Data Capture) in micro-enterprises. Furthermore, this study will explore more specifically the role and perceived trust and risk in fintech payment adoption. This study uses a quantitative method by distributing surveys to 136 Micro, Small and Medium Enterprises using convenience sampling technique. The results indicated that perceived usefulness, risk and trust are the important drivers of the adoption fintech payment among the micro-enterprises. The results of this study reveal interesting findings, risk perception has a significant positive effect on intentions to use fintech payments.
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Widyawati, Nur, Larasati Larasati, and Juli Prastyorini. "ANALYSIS RELATED TO THE APPLICATION OF E-BILLING PAYMENT METHOD AND MANUFACTURE AS CONCERNED TAX DEPOSIT (SSP) MANUAL TOWARDS THE UNDERSTANDING OF TAX MANDATORY." SPIRIT OF SOCIETY JOURNAL 4, no. 1 (September 30, 2020): 23–36. http://dx.doi.org/10.29138/scj.v4i1.1140.
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Tax is the biggest source of APBN income in Indonesia. Various payment applications use the e-billing method or manually. A guide for learn about the effect of applying the e-billing payment method and tax payment slip (SSP) to the understanding of taxpayers. This research is quantitative research. Data collection techniques by giving questionnaires to consumers, conduct observations, interviews, and study relevant literature. The sampling technique uses probability sampling so that a sample of 70 from PT. Kartini Patent. The results showed that there was no significant effect between the e-billing payment methods on the understanding of taxpayers, while the positive and significant effect was shown on the method of manual payment of tax payments (SSP) on mandatory understanding. Based on the results of correlation analysis, this study obtained a value of 0.119 or 11.9% which means it has a very low relationship between the independent and dependent variables.
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Lintangsari, Nastiti Ninda, Nisaulfathona Hidayati, Yeni Purnamasari, Hilda Carolina, and Wiangga Febranto Ramadhan. "ANALISIS PENGARUH INSTRUMEN PEMBAYARAN NON-TUNAI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 1, no. 1 (April 30, 2018): 47. http://dx.doi.org/10.14710/jdep.1.1.47-62.
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The payment system is an important component in the economy especially to ensure the implementation of payment transactions made by the public and the business world. In addition, the payment system also plays an important role in supporting financial system stability and implementation of monetary policy. Along with rapid technological developments, patterns and payment systems in economic transactions are constantly changing. Technological advances in the payment instruments shift the role of cash as a means of payment in the form of more efficient and economical non-cash payments. Non-cash payment instruments used in this study are card-based payment instruments (APMK) and electronic money (e-money). The aim of this study is to examine the effect of non-cash payment instruments development on money supply (M1), velocity of money, inflation, interest rate, and financial system stability. A set of secondary data are assessed through official website of Bank Indonesia from year 2009-2017. Multiple regression analysis are employed to elaborate the results. The result showed that e-money and credit card transactions have a significant positive effect on M1, e-money transactions have a significant negative effect on interest rates, and credit card transactions have a significant positive effect on interest rates.
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Suslenko, V., T. Zatonatska, O. Dluhopolskyi, and A. Kuznyetsova. "USE OF CRYPTOCURRENCIES BITCOIN AND ETHEREUM IN THE FIELD OF E-COMMERCE: CASE STUDY OF UKRAINE." Financial and credit activity problems of theory and practice 1, no. 42 (March 31, 2022): 62–72. http://dx.doi.org/10.55643/fcaptp.1.42.2022.3603.
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Abstract. The article examines integration of cryptocurrencies as electronic payment systems in e-commerce enterprises. Practical usage of Ethereum and Bitcoin cryptocurrencies as electronic payment systems, as well as factors that may affect their functionality are studied. Coinbase Commerce and Bitpay, as market leaders in cryptocurrency payment providers, were analyzed to compare integration issues and commission analysis with traditional payment systems LiqPay, PayPal. It is determined that the factors influencing the integration of cryptocurrencies in the enterprise include the field in which this enterprise is operating, instability of the national currency, development of information technology. It has been proven that e-commerce companies specializing on selling consumer goods could use hybrid cryptocurrency payments in Bitcoin in 50% of transactions and Ethereum in 65% of transactions in the studied timeframe to reduce the cost of the transaction compared to the LiqPay system. Key words: electronic payment systems, cryptocurrency, e-commerce, transactions. JEL Classification D2, C50, G23, G41 Formulas: 0; fig.: 9; tabl.: 2; bibl.: 16.
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Victor Chukwunweike EHIEDU, Anastasia Chi-Chi ONUORAH, and Josephine Ofure, CHIEJINA. "E-PAYMENT SYSTEM (EPS) AND EFFICIENCY OF BANKS IN NIGERIA." International Journal of Applied Research in Social Sciences 5, no. 1 (February 5, 2023): 1–13. http://dx.doi.org/10.51594/ijarss.v5i1.440.
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This study examines the effect of e-payment system (EPS) on the efficiency of banks in Nigeria. Specific objectives are to determine the implication of mobile payment, Automated Teller Machine (ATM) and POS on the efficiency of Nigerian banks, by collating data Central Bank of Nigeria (CBN), from the year 2012 to 2016. A linear regression analysis was used via SPSS to carry out the analysis, at a significance level of 0.05. The result of the analysis obtained a P-Value significance of 0.333 which connotes that there is no discernible effect of EPS on the efficiency of banking in Nigeria. The study recommended that Banks and other financial institutions should intensity efforts in mounting other e-payment channels to promote trade and commerce in Nigeria and the CBN should embark on intensive campaign for complete adoption of e- payments products especially at the grassroots.
Keywords: Electronic, Payment, System, Mobile and Efficiency.
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Putri, Pretisila Kartika, and Rezky Pramurindra. "Factors Influencing E-Wallet Payment Usage in E-Marketplace: Digital Marketing Class Student Survey." Kompartemen : Jurnal Ilmiah Akuntansi 20, no. 2 (January 12, 2023): 229. http://dx.doi.org/10.30595/kompartemen.v20i2.13546.
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This study aims to determine what factors influence the preferences of marketplace consumers in making payments. Several payment methods were identified in this study on several e-marketplaces in Indonesia. The factors studied in this study are perceived ease of use, perceived usefulness and experience. The data was obtained based on the distribution of questionnaires to digital marketing class students at Siliwangi University Indonesia, totaling 33 respondents. Multiple regression analysis using SPSS was chosen by researchers in conducting this study. The results show that perceived ease of use, perceived usefulness, and experience has a positive effect on e-marketplace payment preferences.
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Valentino, John, and Rezi Erdiansyah. "Customer Brand Engagement Pengguna Electronic Payment." Prologia 7, no. 1 (March 29, 2023): 207–12. http://dx.doi.org/10.24912/pr.v7i1.21282.
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The use of electronic payments is increasingly widespread. In this case, digital payment users in Indonesia are already quite high and various e-wallet companies are also competing to become leaders in providing digital payment services.) Electronic payments must be trusted for their safety and must also be able to facilitate human activities in using them. Research This study aims to determine the effect of social media marketing and brand trust on customer brand engagement (a case study of electronic payment users). The theory used is the theory of marketing communications, social media, brand trust, and consumer engagement. This research uses quantitative methods. The data collection technique used is by using a questionnaire. The method used is to distribute questionnaires via the Google form by distributing them online to people who have used electronic payments. The population of this study are electronic payment users and the sample used is 100 samples. The results of this study are that Social Media Marketing and Brand Trust have an influence on customer brand engagement in electronic payment users. Penggunaan electronic payment semakin meluas. Dalam hal ini pengguna pembayaran digital di Indonesia memang sudah tergolong cukup tinggi dan berbagai perusahaan e-wallet juga berlomba untuk menjadi pemimpin dalam penyediaan jasa pembayaran digital.) Electronic payment ini harus bisa dipercaya akan keamanannya dan juga harus bisa memudahkan aktivitas manusia dalam menggunakannya.Penelitian ini bertujuan untuk mengetahui pengaruh pemasaran media sosialdan kepercayaan merek terhadap customer brand engagement (studi kasus pengguna elctronic payment). Teori yang digunakan adalah teori komunikasi pemasaran, sosial media, kepercayaan merek, dan keterlibatan konsumen. Penelitian ini menggunakan metode kuantitatif. Teknik pengumpulan data yang digunakan yaitu dengan menggunakan kuesioner. Cara yang digunakan adalah menyebarkan kuesioner melalui google form dengan menyebarkan secara online kepada orang yang pernah menggunakan electronic payment. Populasi dari penelitian ini adalah pengguna electronic payment dan sampel yang digunakan berjumlah 100 sampel. Hasil dari penelitian ini adalah Pemasaran Media Sosial dan Kepercayaan Merek mempunyai pengaruh terhadap customer brand engagement dalam pengguna electronic payment.
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Raon, Camille Jeremy B., Myra V. De Leon, and Rayan Dui. "ADOPTION OF E-PAYMENT SYSTEMS IN THE PHILIPPINES." Jurnal ILMU KOMUNIKASI 18, no. 1 (June 1, 2004): 123–34. http://dx.doi.org/10.24002/jik.v18i1.3197.
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This study aims to explore factors affecting the Filipino consumers’ adoption of e-payment systems. Spearman correlation analysis was used to analyze data collected from 83 employees of a company’s Marketing Department who use online shopping payments. The results of the study showed that the significance of the constructs namely perceived risk, trust, security, use of web assurance seals, perceived usefulness, and perceived advantage were inadequate to determine its relationships with the intention to adopt e-payment systems. Therefore, the factors used in this study are not the only drivers that would influence customers’ decisions.