Academic literature on the topic 'MOBILE WALLET SERVICES'

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Journal articles on the topic "MOBILE WALLET SERVICES"

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Karthikeyan, K., and M. Dinesh Kumar. "A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India." ComFin Research 9, no. 4 (October 1, 2021): 17–23. http://dx.doi.org/10.34293/commerce.v9i4.4307.

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Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).
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Shukur, Mohammed H., Reem J. Ismail, and Laith R. Flaih. "Empower E-wallets Payment System by using A Hybrid Approach of Online and Offline Services." Cihan University-Erbil Scientific Journal 6, no. 2 (August 5, 2022): 23–27. http://dx.doi.org/10.24086/cuesj.v6n2y2022.pp23-27.

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Payment mechanisms are migrated to mobile devices as e-commerce grows, creating e-wallets. The current e-wallet payment solutions are based on online-connected smartphones. The transaction is completed using a mobile application, which requires a GPRS and Wi-Fi connection. People around the world are becoming more interested in e-wallets. Nevertheless, in Iraq, it grows slower than in other parts of the world after survey is done to ascertain the primary elements influencing Iraqis’ adoption of electronic wallets. This paper proposes a design of e-wallet Mobile app offering online to offline (O2O) payments that aim to replace traditional e-wallet, credit cards, debit cards, and cash using offline connectivity, near-field communication (NFC), and SMS-based payment mechanisms that are independent of internet connection.
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Hopalı, Egemen, Özalp Vayvay, Zeynep Tuğçe Kalender, Deniz Turhan, and Ceyda Aysuna. "How Do Mobile Wallets Improve Sustainability in Payment Services? A Comprehensive Literature Review." Sustainability 14, no. 24 (December 9, 2022): 16541. http://dx.doi.org/10.3390/su142416541.

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Easy access to the Internet, smartphones, and mobile-based banking change customer shopping intentions. As a crucial component of financial technology (Fintech), mobile wallets enable customers to shop via smartphones. Mobile wallets present a cashless transactional method, cost-efficient services, and traceable options that improve sustainability in payment services. Over the last decade, mobile wallet services have evolved and attracted considerable attention from customers and companies. Due to the need for a comprehensive mobile wallet literature survey, this article aims at filling this research gap by covering articles published between 2012 and 2022 over the Scopus, Web of Science, and Science Direct databases. A clear filtering policy was conducted to observe the related article topics. Thus, 128 articles that met the inclusion and exclusion criteria were analyzed. Moreover, the articles were initially classified into three main groups, which was performed via scanning and categorizing all studies in the last ten years from different databases. In addition, the literature was systematically reviewed, providing a better understanding of mobile wallets and contributing to the literature by researching how this service can be improved for payment services with a focus on sustainability. The conducted literature review revealed that mobile wallets could be promoted in terms of environmental traceability, customer lifetime value, and security.
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George, Ajimon, and Prajod Sunny. "Developing a Research Model for Mobile Wallet Adoption and Usage." IIM Kozhikode Society & Management Review 10, no. 1 (December 16, 2020): 82–98. http://dx.doi.org/10.1177/2277975220965354.

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The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.
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Andrew, Jasmine Vivienne, Sylvia @. Nabila Azwa Ambad, Nur Syahidah Wong Abdullah, Sakka Nordin, and Karen Esther Tan. "A Systematic Review of E-wallet Usage Intention: Integrating UTAUT2 with Perceived Security." Jurnal Intelek 16, no. 1 (January 26, 2021): 124–33. http://dx.doi.org/10.24191/ji.v16i1.372.

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The growth of cashless payment has grown exponentially, including that of e-wallet, in line with the government's plan to build a cashless society. The e-wallet phenomenon is fast becoming an important component for financial inclusion in emerging economies as studies found that the use of digital financial services like mobile money and other fintech applications could provide many potential development benefits. Countries like China have experienced the highest growth in cashless payments over the last five years and is said to be the most educated on mobile payment services. Despite the rapid development of this technology, organizations and consumers are still concerned about rising security issues. As the e-wallets markets are further expected to increase exponentially in Malaysia, it is crucial to study the consumers' behavioral intention to use e-wallets for the benefits of e-wallets service providers and users in Malaysia. Correspondingly, this paper presents a review of the literature aimed at advancing the body of knowledge by proposing a conceptual model on consumers' behavioral intention to use e-wallet (mobile payment) using UTAUT2 as a baseline model. This paper is built upon a systematic literature review method. This paper provides practical implications that would assist e-wallet service providers when devising appropriate strategies in planning and increasing consumers' intention to use the e-wallet.
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Al-Hattami, Hamood Mohammed, Ahmad Samed Al-Adwan, Abdulwahid Ahmed Hashed Abdullah, and Mohammed A. Al-Hakimi. "Determinants of Customer Loyalty toward Mobile Wallet Services in Post-COVID-19: The Moderating Role of Trust." Human Behavior and Emerging Technologies 2023 (August 7, 2023): 1–13. http://dx.doi.org/10.1155/2023/9984246.

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One of the highly acclaimed innovations is the mobile wallet. Mobile wallets ensure that customers can make purchases even if they forget their wallets at home. The use of these wallets has increased significantly with the spread of the COVID-19 pandemic as a preventive measure. However, with COVID-19 restrictions lifted and adaptation to the pandemic, customers are no longer forced to use mobile wallets. That is, things have returned to normal as before the pandemic, where the customer is left free to choose the method of payment. In this regard, businesses need to retain their customers and make sure that those customers will reuse their own mobile wallets even during this period (post-COVID-19). Hence, it is critical to explore customer loyalty determinants toward mobile wallet services in such a period. Therefore, using the Indian context, this paper sought to explore the determinants of customer loyalty toward mobile wallet services post-COVID-19. This study also investigated the role of trust as a moderator. Based on a sample size of 243 customers in India, the relationships in the proposed model were tested using SmartPLS statistical technology. The results revealed that service quality, privacy and security, and trust are the key determinants in gaining customer loyalty toward mobile wallets. Yet, the results did not support perceived usefulness and ease of use as determinants of customer loyalty. As for trust as a moderator, the results supported only one of the four proposed hypotheses. Specifically, the results supported that “trust has a significant moderating impact on the relationship between service quality and customer loyalty”. The results offer a more precise comprehension of the relationships between customer loyalty and customer loyalty determinants in post-COVID-19 and enable managers to make better management decisions.
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Phutela, Nidhi, and Shrirang Altekar. "Mobile Wallets in India." International Journal of Online Marketing 9, no. 2 (April 2019): 27–38. http://dx.doi.org/10.4018/ijom.2019040103.

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Adoption of technology by the Indians is setting an example for the others. Considering the penetration of mobile phones and its usage success stories all over the world, a good number of companies are exploring new uses of mobile technology. Many companies have come up with a new use of mobile technology, mobile wallets. This research article has been undertaken to understand the previous research work on the adoption of mobile technology in the developed countries and the factors that are influential to understand the reasons for such adoption. The Unified Theory of Acceptance and Use of Technology (UTAUT) Model has been taken as a base for understanding the adoption by Indian consumers and two factors namely – Trust in mobile wallet services and trust in mobile wallet service providers have been examined for their impact on its adoption. A survey was conducted across Delhi NCR to examine attitude of Indian consumers for mobile wallets adoption.
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Madan, Khushbu, and Rajan Yadav. "Behavioural intention to adopt mobile wallet: a developing country perspective." Journal of Indian Business Research 8, no. 3 (August 15, 2016): 227–44. http://dx.doi.org/10.1108/jibr-10-2015-0112.

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Purpose This paper aims to understand the factors that affect consumers’ adoption of mobile wallet as an alternative method of making payments to purchase goods and services. Design/methodology/approach A survey of over 210 mobile phone consumers was made. The study added two additional constructs – perceived regulatory support (PRS) and promotional benefits (PBs) – and proposed an integrated approach to understanding mobile wallet adoption. The hypothesized relationships were analysed via structural equation modelling. Findings The results indicated performance expectancy, social influence, facilitating conditions, perceived risk, perceived value, PRS, as well as PBs, to be significant factors in predicting behavioural intentions to adopt mobile wallet solutions. The impact of effort expectancy was found to be statistically insignificant. Research limitations/implications The small sample size and the possibility of including new variables such as personal innovativeness, which have not been addressed here, are some of the limitations of this study. Practical implications The findings of this paper would be useful for mobile wallet service providers, mobile app writers and institutions involved in the facilitation and regulation of such services to develop suitable strategic frameworks to encourage the adoption of mobile wallets. Originality/value The study is the first of its kind in India and has added a new dimension in the assessment of technology adoption by proposing two new variables.
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Singh, Nidhi, Shalini Srivastava, and Neena Sinha. "Consumer preference and satisfaction of M-wallets: a study on North Indian consumers." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 944–65. http://dx.doi.org/10.1108/ijbm-06-2016-0086.

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Purpose The purpose of this paper is to test the conceptual model of consumers’ intention and satisfaction towards mobile wallets. This study uses the integrated UTAUT model which includes variables such as ease of use, trust, security, self-efficacy, etc., and an additional variable (hedonism) to test consumers’ behaviour in the context of mobile banking technologies. Regression analysis, ANOVA and descriptive analysis are used to test the relationship among several dimensions such as perceptions, preferences, satisfaction and usage rate of mobile wallets in North India. A sample of 204 North Indian consumers was taken to understand the consumers’ adoption behaviour towards mobile wallet. The study explains the significance of the proposed model and its effectiveness to understand the behaviour of North Indian consumers. The result shows a significant association between consumers’ perception, preference, usage and satisfaction. Security, trust and hedonism are few of the most influencing variables in the study. Demographic variables such as gender and age also influence consumer satisfaction and usage rate of mobile wallets in North India. The proposed model and results of the study bring valuable insights into researchers and practitioners in the context of usage of mobile wallets. Design/methodology/approach Various standardized scales were used in the present study. Statistical techniques like descriptive statistics, analysis of variance, t-test, χ2 and regression analysis were used to assess the data. The data were collected with three separate questionnaires on variables perception, preference, usage and satisfaction. Findings Findings of this study show a strong relation between customer’s perception, preference and satisfaction of mobile wallet users. The result also shows the impact of customer’s perception, satisfaction and preference on the usage rate of mobile wallets in India. The authors have collected responses from the various regions in south and North India. Research limitations/implications The first contribution of this study is that it shows a strong correlation between consumers’ perception, preferences and satisfaction. Various studies are available to understand the impact of perception on satisfaction (Samudra and Phadtare, 2012; Venkatesh and Davis, 2000, Thakur, 2013), but very few studies have integrated it with preference and mobile wallet usage. Moreover, no study is available on these variables specifically for North Indian consumers. This study is unique in the sense that it discuss the association of consumer’s perception with type of transactions they prefer to do in M-wallets. This paper also identify one more crucial factors, “hedonism” which is not discussed extensively in the literature. Practical implications The study has several implications to the mobile technology industry and the banking system to identify new strategies for mobile wallet usage. Factors like security, convenience and trust influence consumers’ intention. This indicates that industries and banks must verify users’ privacy norms and evaluate social trends to enhance user’s satisfaction and usage rate. Hedonism is determined as one of the significant variable to measure consumer’s satisfaction and usage tendency. Mobile technology providers should work on the appearances and design of the apps, and promote its convenience and benefits to increase its usage in North India. Based on the findings of this study, companies can also evaluate preferred wallet services for consumers, and factors affecting those services. This will help them to add more attractive services based on consumers’ feedback, and remove unwanted services. Social implications The study also stressed the impact of society and family/friends on mobile wallet’s usage. Customers learn new things from family and society and get influence with their choice and preferences. This will help institutions to understand various factors leads to mobile wallet usage and enhance the satisfaction level of customers. Originality/value Although various studies have been conducted on the perception of customers on various mobile payment systems, but this paper is the first of its kind to study customer’s perception about wallets and type of transactions; they prefer to do through mobile wallets. This paper also study the impact of mobile wallet usage and various factors affecting the usage rate. This paper also identified one crucial factor, “hedonism”, which is not discussed thoroughly in the literature, and its significance in North India.
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Kapoor, Ashwarya, Rajiv Sindwani, and Manisha Goel. "Ranking Mobile Wallet Service Providers Using Fuzzy Multi-Criteria Decision-Making Approach." International Journal of E-Business Research 17, no. 4 (October 2021): 19–39. http://dx.doi.org/10.4018/ijebr.2021100102.

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The aim of this paper is to identify key dimensions of mobile wallet (m-wallet) service quality and to prioritize mobile wallet service providers on the basis of these dimensions. Based on extensive literature review and discussion with an expert, six key dimensions of m-wallet service quality, namely convenience, reliability and security, responsiveness, aesthetics, accessibility, and information quality/content, are proposed in this paper. Fuzzy TOPSIS approach is proposed to evaluate and rank mobile wallet alternatives. Four major mobile wallet players from the Indian market are prioritized on the basis of six key service quality dimensions. Examination of the literature indicates that this study is among the first attempts to identify m-wallet service quality dimensions as well as to prioritize mobile wallet alternatives using fuzzy TOPSIS. The findings will be valuable to academicians and practitioners alike. The key dimensions proposed in the paper will enlighten m-wallet service providers about the aspects of services to be focused on. Moreover, the fuzzy TOPSIS technique discussed in this paper will help m-wallet companies to compare them with their competitors. This will help managers to develop strategies to improve their services. On the academic front, the study will extend the knowledge base in the field of self-service technologies.
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Dissertations / Theses on the topic "MOBILE WALLET SERVICES"

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Bartoo, Debora S. "Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents." Antioch University / OhioLINK, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739.

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Perlman, Leon Joseph. "Legal and regulatory aspects of mobile financial services." Thesis, 2012. http://hdl.handle.net/10500/13362.

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The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. | vi
Public, Constitutional and International Law
LLD
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Lin, I.-Ching, and 林宜靜. "FINTECH SERVICE INNOVATION–THE STUDY OF MOBILE PAYMENT FOR ELECTRONIC WALLET." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/m789f2.

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碩士
元智大學
管理碩士在職專班
106
Financial Technology Service Innovation has changed our payment habits in our daily life. Mobile payment has been used abroad for many years whereas developed relatively slow in Taiwan subject to the restriction of financial regulations. Only when Apply pay landed on Taiwan by the end of this March, Taiwan mobile payment market boost all of a sudden. The study aims to research current situation of electronic purses in Taiwan and investigate factors affect consumer’s willingness of use. The study take consumer’s using experiences and habits, usability, convenience, security, quality and service as variables to investigate 326 consumers by electronic questionnaire and analyzed the related data by SPSS. The results of the study are as follows: 1.The use of willingness will be affected by consumer using experience and habits. 2.Convenience is the major factor affects the use of willingness. 3.Security factor will be taken into consideration beyond the ease of use. 4.The use of willingness will be affected by security concern. 5.Process simplicity in terms of quality and merchant discount in terms of service are valued most to the consumers. To sustain usability, broaden convenient channel, lower security suspicious, and provide merchant discount are four suggestions the thesis provides, according to the research, as a reference for improving mobile payment industries, promoting electronic purse service and further research.
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Book chapters on the topic "MOBILE WALLET SERVICES"

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Kozlovsky, Jan, Jan Dvorak, and Ondrej Krejcar. "Location Based Services Used in Smart Electronic Wallet Mobile Application." In Mobile Web and Intelligent Information Systems, 353–62. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-44215-0_30.

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Phutela, Nidhi, and Shrirang Altekar. "Mobile Wallets in India." In Research Anthology on Concepts, Applications, and Challenges of FinTech, 651–63. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8546-7.ch034.

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Adoption of technology by the Indians is setting an example for the others. Considering the penetration of mobile phones and its usage success stories all over the world, a good number of companies are exploring new uses of mobile technology. Many companies have come up with a new use of mobile technology, mobile wallets. This research article has been undertaken to understand the previous research work on the adoption of mobile technology in the developed countries and the factors that are influential to understand the reasons for such adoption. The Unified Theory of Acceptance and Use of Technology (UTAUT) Model has been taken as a base for understanding the adoption by Indian consumers and two factors namely – Trust in mobile wallet services and trust in mobile wallet service providers have been examined for their impact on its adoption. A survey was conducted across Delhi NCR to examine attitude of Indian consumers for mobile wallets adoption.
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Mallawaarachchi, Chammika. "Cashless Society and Development of Gender-Friendly Services Through Mobile Wallet." In Gender Perspectives on Industry 4.0 and the Impact of Technology on Mainstreaming Female Employment, 198–216. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-7998-8594-8.ch010.

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In the recent past, the idea of mobile wallets was very new to the world, but it is now becoming popular due to the expansion and development of smartphones with robust and sophisticated facilities. However, the literature on mobile wallets does not deeply identify and discuss how gender is significant in the business world with the power of mobile wallets and how it is helping to adopt the best strategies to incorporate it into the business through e-commerce activities. Therefore, this research contributes to knowledge by exploring mobile wallet users in Sri Lanka from a gender perspective and their significance in business development. The research adopts a qualitative research method to gather the primary data with a case study strategy. So, the case study found that mobile wallet has many inhibitions constraining its adoption and diffusion about gender. Also, it found that mobile wallets provided many social benefits that contributed to overcoming most of the gender-exclusive activities in e-commerce.
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Salhan, Gagandeep Singh, Ramandeep Kaur Chahal, Deepak Sood, and Rohit Markan. "Factors Influencing Imbursements." In Advances in Marketing, Customer Relationship Management, and E-Services, 61–77. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-6133-4.ch006.

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The latest feathers in the cap of banking solutions were the digital wallet or e-wallet and near field communication (NFC) payment systems. The purpose of the study was to look at the factors influence payment through mobile wallets and NFC payment system for regular basis transactions and to compare a customer's payment preference among cash, e-wallets, and NFC in Punjab. For data analysis, powerful tool Anova was applied, and the results indicate that there is no substantial deviation between the income (I) of the respondent and using operation (OP) of e-wallets and NFC next the income (I) of the respondent and using frequency of e-wallets and NFC (UF) after that using the frequency of e-wallets and NFC (UF) and risk associated (R) with the use of mobile e-wallets and NFC. Users were attracted by the trustworthiness, speed, secure methods, practices privacy factors of mobile e-wallets and NFC, and most of the respondents chose to pay by using cash followed by mobile e-wallets, card payments, and lastly, through an NFC payment system.
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Saraswat, Pranav, and Vineet Chouhan. "Assessment of Service Quality of Payment Wallet Services in India Using the Servqual Model." In AI-Enabled Agile Internet of Things for Sustainable FinTech Ecosystems, 147–69. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4176-3.ch007.

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In India, 40 companies are currently providing the electronic wallet service for approximately 500 million mobile internet users, and this number is constantly growing. For the payment wallets, the key strategy for the success and survival of any business depends on the service quality it provides to its customers. Thus, with such a huge number of consumers using these services, it is essential to study how effective and consumer friendly these new age payment instruments are. The payment wallets being a new concept in the financial market may not be easily accepted by the consumers. Consumers above the age of 40 may not feel comfortable in using the electronic modes of payments, especially where the payment wallet market is majorly dominated by private players. The data collected from 1000 respondents has been interpreted with the help of the SERVQUAL model for the payment wallets. The Paired t test for all payment wallets revealed an expected and perception gap, and the level of satisfaction is measured with ANOVA analysis revealing that PayTm has better perception.
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Wamba, Samuel Fosso, Maciel M. Queiroz, Constantin Blome, and Uthayasankar Sivarajah. "Fostering Financial Inclusion in a Developing Country." In Research Anthology on Microfinance Services and Roles in Social Progress, 545–75. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-7552-2.ch030.

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Financial inclusion is a vital development priority for countries worldwide. Mobile wallet (m-wallet) is considered as a disruptive payment method that will substitute the traditional physical wallet to achieve the so-called cashless society and enables financial inclusion. This study aims at developing and testing a research model that integrates a set of technology factors (perceived usefulness, perceived ease of use, fun to use, monetary value), external factors (peer influence and perceived status benefit), and cultural factors (humane orientation and societal collectivism) to assess the intention to adopt and use m-wallet, for financial inclusion, in a developing country. The proposed conceptual model is tested using data collected from 621 m-wallet users in Cameroon. The model explains 47.5% of the variance of the actual use of m-wallet and 32.90% of the variance of financial inclusion. Eight out of the 10 proposed hypotheses were supported. Finally, implications for research and practice are discussed.
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Matemba, Elizabeth D., Guoxin Li, and Baraka J. Maiseli. "Consumers' Stickiness to Mobile Payment Applications." In Research Anthology on Social Media Advertising and Building Consumer Relationships, 731–56. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-6287-4.ch041.

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WeChat wallet incorporates compelling features facilitating users to conduct financial transactions more conveniently. The authors' survey discovered that most users appreciate WeChat wallet services. Previous studies, however, inadequately address critical factors that motivate consumers' stickiness to this promising technology. Scholars concentrate only on the technological features and considers societal traditional practices. This work establishes a psychometric theoretical model that integrates novel constructs, which balances technological features and traditional values, predicting WeChat wallet customers' stickiness. To this end, a questionnaire, with Likert scale items, was administered to 450 Chinese and foreigners in China. The authors measured their model's reliability and validity using composite reliability, convergent validity, and discriminant validity. The study applied the common latent factor approach to test the common method bias. Structural equation modeling and SPSS were used for data analysis. The study reveals that perceived availability of merchant support, convenience, social influence, and red envelope (traditional Chinese culture for sharing monetary values during festivals and special events) preference promote consumers' stickiness behaviors to WeChat wallet. In addition, perceived security insignificantly moderates the relationships between convenience/social influence and consumers' stickiness. This study gives scholars an important research avenue to explore further the relationships between traditions and diffusion of technology.
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Kumar, Kishlay, Dimpal Singhania, Karan Pratap Singh, Puja Mishra, and Praveen Chandra Jha. "A Young Consumer's Inclination of Mobile Wallets Gateway for Cashless Payment." In Advances in Library and Information Science, 40–60. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4755-0.ch003.

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Today's world is absorbed by digital technology and developments. From daily bread to business, from home to office, the implementation of electronic devices has become an integral part of life. The wallet has transformed the global payments ecosystem by offering multiple digital services, from utility payments to e-tailing. After demonetization, e-payment systems, mainly mobile wallets, have become a popular means of conducting transactions without physical presence. This study was conducted on consumer preferences, satisfaction, and issues when using mobile wallets for cashless payment. The study used the chi-square method to analyze and interpret the primary data of 80 respondents. The study implies that today's life is more important to mobile wallets such as Paytm, MobiKwik, Bhim, and free charge.
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Nordman, Jan, and Veronica Liljander. "MSQ-Model." In Contemporary Research in E-Marketing, Volume 1, 93–129. IGI Global, 2005. http://dx.doi.org/10.4018/978-1-59140-372-2.ch005.

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Until recently, mobile services, i.e., services that are offered to consumers on their mobile phones, have been overshadowed by their counterpart, the electronic services offered on the wired Internet, especially in Europe and the U.S. With the exception of simple SMS services, mobile services have not yet been widely adopted but will gain in importance as the technology develops and falling prices put them within the reach of most consumers. As the competition for consumers’ loyalty and share of wallet increases, it becomes crucial to understand, what the consumers value in mobile services. By understanding their service quality expectations and by developing the services accordingly, providers are able to attract users and develop a loyal user base. Based on a review of the literature, interviews with industry experts and users of mobile services, a conceptual model of mobile service quality (MSQ) was constructed. The study revealed that consumers use the wired Internet as a comparison standard when evaluating mobile services — a standard that mobile services cannot meet. Similarities were also observed between mobile and wired Internet service quality dimensions. Users evaluated mobile services on the ten dimensions: content, access, ease of navigation, ease of dialogue, aesthetics, reliability, personalization, security/privacy, responsiveness and price knowledge. The concluding remarks include a discussion of Wi-Fi and the impact of new technology on mobile services.
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Kabir, Md Humayun. "Financial Innovation: Accelerating Financial Inclusion in South Asia." In Research Anthology on Business Continuity and Navigating Times of Crisis, 1556–81. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-4503-7.ch075.

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Financial innovation and financial inclusion are helping countries to achieve inclusive economic growth by mitigating poverty. The purpose of the chapter is to examine how financial innovation accelerating financial inclusion in South Asian countries. The uses of internet banking, mobile banking, short message service (SMS) banking, electronic banking (e-banking), agent banking, mobile money accounts, and mobile wallet banking is increasing at an increasing rate, which is engaging the unbanked people in the financial systems. The robust growth of the mobile ecosystem in South Asia is contributing broadly to the engagement of financial inclusion. The empirical analysis was done by using data from the Global Financial Inclusion Database (Global Findex) and Global Financial Development Database to see how automated financial products and services are conveniently receiving by the unbanked population. The results of the analysis show that many financial innovations in financial products and services delivery from financial technology is closing gaps in financial inclusion significantly.
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Conference papers on the topic "MOBILE WALLET SERVICES"

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Chen, You-Ping, and Ju-Chun Ko. "CryptoAR Wallet." In MobileHCI '19: 21st International Conference on Human-Computer Interaction with Mobile Devices and Services. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3338286.3344386.

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Nagar, Ankur, Lavanya Elluri, and Karuna Pande Joshi. "Automated Compliance of Mobile Wallet Payments for Cloud Services." In 2021 7th IEEE Intl Conference on Big Data Security on Cloud (BigDataSecurity), IEEE Intl Conference on High Performance and Smart Computing, (HPSC) and IEEE Intl Conference on Intelligent Data and Security (IDS). IEEE, 2021. http://dx.doi.org/10.1109/bigdatasecurityhpscids52275.2021.00018.

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Afriani, Anindita Lintangdesi, and Firman Kurniawan Sujono. "The Use of Mobile Wallet Services Apps in Urban Living." In Proceedings of the 2nd International Conference on Strategic and Global Studies (ICSGS 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/icsgs-18.2019.14.

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Ko, Ju-Chun. "Crypto Wallet Working on Low-cost 4G LTE Mobile Phone (video)." In MobiSys '19: The 17th Annual International Conference on Mobile Systems, Applications, and Services. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3307334.3328591.

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Naik, Nitin, and Paul Jenkins. "Self-Sovereign Identity Specifications: Govern Your Identity Through Your Digital Wallet using Blockchain Technology." In 2020 8th IEEE International Conference on Mobile Cloud Computing, Services, and Engineering (MobileCloud). IEEE, 2020. http://dx.doi.org/10.1109/mobilecloud48802.2020.00021.

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De, Pradipta, Kuntal Dey, Vinod Mankar, and Sougata Mukherjea. "Towards an interoperable mobile wallet service." In 2013 10th International Conference & Expo on Emerging Technologies for a Smarter World (CEWIT). IEEE, 2013. http://dx.doi.org/10.1109/cewit.2013.6713767.

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"Determinants of Mobile Wallet Service Usage." In rd Joint International Conference on Accounting, Business, Economics and Politics. Tishk International University, 2021. http://dx.doi.org/10.23918/icabep2021p18.

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"Wallets and Crypto Terminals for Blockchain; Introducing the Big Bang paradigm." In 2019 Fifth Conference on Mobile and Secure Services (MobiSecServ). IEEE, 2019. http://dx.doi.org/10.1109/mobisecserv.2019.8686561.

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Catling, I. "ITS services in Wales using the Wireless Application Protocol (WAP)." In Second International Conference on 3G Mobile Communication Technologies (3G 2001). IEE, 2001. http://dx.doi.org/10.1049/cp:20010009.

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Kumar, Abhishek, Kuldeep Yadav, Suhas Dev, Shailesh Vaya, and G. Michael Youngblood. "Wallah: Design and Evaluation of a Task-centric Mobile-based Crowdsourcing Platform." In 11th International Conference on Mobile and Ubiquitous Systems: Computing, Networking and Services. ICST, 2014. http://dx.doi.org/10.4108/icst.mobiquitous.2014.258030.

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Reports on the topic "MOBILE WALLET SERVICES"

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Payment Systems Report - June of 2021. Banco de la República, February 2022. http://dx.doi.org/10.32468/rept-sist-pag.eng.2021.

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Banco de la República provides a comprehensive overview of Colombia’s finan¬cial infrastructure in its Payment Systems Report, which is an important product of the work it does to oversee that infrastructure. The figures published in this edition of the report are for the year 2020, a pandemic period in which the con¬tainment measures designed and adopted to alleviate the strain on the health system led to a sharp reduction in economic activity and consumption in Colom¬bia, as was the case in most countries. At the start of the pandemic, the Board of Directors of Banco de la República adopted decisions that were necessary to supply the market with ample liquid¬ity in pesos and US dollars to guarantee market stability, protect the payment system and preserve the supply of credit. The pronounced growth in mone¬tary aggregates reflected an increased preference for liquidity, which Banco de la República addressed at the right time. These decisions were implemented through operations that were cleared and settled via the financial infrastructure. The second section of this report, following the introduction, offers an analysis of how the various financial infrastructures in Colombia have evolved and per¬formed. One of the highlights is the large-value payment system (CUD), which registered more momentum in 2020 than during the previous year, mainly be¬cause of an increase in average daily remunerated deposits made with Banco de la República by the General Directorate of Public Credit and the National Treasury (DGCPTN), as well as more activity in the sell/buy-back market with sovereign debt. Consequently, with more activity in the CUD, the Central Securi¬ties Depository (DCV) experienced an added impetus sparked by an increase in the money market for bonds and securities placed on the primary market by the national government. The value of operations cleared and settled through the Colombian Central Counterparty (CRCC) continues to grow, propelled largely by peso/dollar non-deliverable forward (NDF) contracts. With respect to the CRCC, it is important to note this clearing house has been in charge of managing risks and clearing and settling operations in the peso/dollar spot market since the end of last year, following its merger with the Foreign Exchange Clearing House of Colombia (CCDC). Since the final quarter of 2020, the CRCC has also been re¬sponsible for clearing and settlement in the equities market, which was former¬ly done by the Colombian Stock Exchange (BVC). The third section of this report provides an all-inclusive view of payments in the market for goods and services; namely, transactions carried out by members of the public and non-financial institutions. During the pandemic, inter- and intra-bank electronic funds transfers, which originate mostly with companies, increased in both the number and value of transactions with respect to 2019. However, debit and credit card payments, which are made largely by private citizens, declined compared to 2019. The incidence of payment by check contin¬ue to drop, exhibiting quite a pronounced downward trend during the past last year. To supplement to the information on electronic funds transfers, section three includes a segment (Box 4) characterizing the population with savings and checking accounts, based on data from a survey by Banco de la República con-cerning the perception of the use of payment instruments in 2019. There also is segment (Box 2) on the growth in transactions with a mobile wallet provided by a company specialized in electronic deposits and payments (Sedpe). It shows the number of users and the value of their transactions have increased since the wallet was introduced in late 2017, particularly during the pandemic. In addition, there is a diagnosis of the effects of the pandemic on the payment patterns of the population, based on data related to the use of cash in circu¬lation, payments with electronic instruments, and consumption and consumer confidence. The conclusion is that the collapse in the consumer confidence in¬dex and the drop in private consumption led to changes in the public’s pay¬ment patterns. Credit and debit card purchases were down, while payments for goods and services through electronic funds transfers increased. These findings, coupled with the considerable increase in cash in circulation, might indicate a possible precautionary cash hoarding by individuals and more use of cash as a payment instrument. There is also a segment (in Focus 3) on the major changes introduced in regulations on the retail-value payment system in Colombia, as provided for in Decree 1692 of December 2020. The fourth section of this report refers to the important innovations and tech¬nological changes that have occurred in the retail-value payment system. Four themes are highlighted in this respect. The first is a key point in building the financial infrastructure for instant payments. It involves of the design and im¬plementation of overlay schemes, a technological development that allows the various participants in the payment chain to communicate openly. The result is a high degree of interoperability among the different payment service providers. The second topic explores developments in the international debate on central bank digital currency (CBDC). The purpose is to understand how it could impact the retail-value payment system and the use of cash if it were to be issued. The third topic is related to new forms of payment initiation, such as QR codes, bio¬metrics or near field communication (NFC) technology. These seemingly small changes can have a major impact on the user’s experience with the retail-value payment system. The fourth theme is the growth in payments via mobile tele¬phone and the internet. The report ends in section five with a review of two papers on applied research done at Banco de la República in 2020. The first analyzes the extent of the CRCC’s capital, acknowledging the relevant role this infrastructure has acquired in pro¬viding clearing and settlement services for various financial markets in Colom¬bia. The capital requirements defined for central counterparties in some jurisdic¬tions are explored, and the risks to be hedged are identified from the standpoint of the service these type of institutions offer to the market and those associated with their corporate activity. The CRCC’s capital levels are analyzed in light of what has been observed in the European Union’s regulations, and the conclusion is that the CRCC has a scheme of security rings very similar to those applied internationally and the extent of its capital exceeds what is stipulated in Colombian regulations, being sufficient to hedge other risks. The second study presents an algorithm used to identify and quantify the liquidity sources that CUD’s participants use under normal conditions to meet their daily obligations in the local financial market. This algorithm can be used as a tool to monitor intraday liquidity. Leonardo Villar Gómez Governor
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Financial Infrastructure Report 2022. Banco de la República, June 2023. http://dx.doi.org/10.32468/rept-sist-pag.eng.2022.

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Banco de la República's monitoring of the local financial market infrastructure is an additional contribution to the country's financial stability. One of the products of that monitoring has been the Payment Systems Report, which is now known as the Financial Infrastructure Report. The change in name, as of this edition, is intended to reflect in a broader way the issues that are addressed in the report. The 2022 edition includes several changes that are the result of a comparative study of financial infrastructure reports prepared by other central banks. These changes seek to make the report more fluid and easier to read, including main points and selected key figures for the different interest groups to which it is addressed. The report shows the financial infrastructure continued to render its services without interruption, with general evidence of good performance in 2021. Additionally, the resilience of the Central Counterparty Risk of Colombia (CRCC) and the Large-value Payments System (CUD) to extreme events was validated, based on stress tests conducted according to international standards (focused on liquidity and credit risk). As for retail payments, transactional information indicates the use of electronic instruments increased in terms of value during 2021 compared to 2020 (credit and debit cards, checks and electronic funds transfers). The use of debit and credit cards in payments rose to levels similar to those reached in the pre-pandemic year. Meanwhile, electronic funds transfers continued to grow. Although the results of the BR 2022 survey show cash continues to be the instrument most used by the public for regular payments (like the situation in other countries), the perception of its use decreased significantly to 75 % (87 % in 2019). Also, in commerce, cash was the preferred instrument for customers. However, in this measurement, several retail channels such as hairdressers, drugstores and restaurants joined the group that has traditionally received electronic payments for a value greater than 10% of their sales (hypermarkets and gas stations). Likewise, for nearly 50% of the population, cash payments are lower than before the pandemic. This is consistent with the transactional increase in electronic payment instruments that was observed in 2021. Banco de la República continues to monitor the technological developments that have expanded and modernized the supply in the international and local payments market, as these are issues of interest to the industry that provides clearing and settlement services. This report outlines the Pix case for instant payments in Brazil, the projects that are underway regarding the possible issue of digital currency by central banks (CBDC) for cross-border payments, as well as an approach to the Fintech ecosystem in Colombia, with an emphasis on companies that provide payment services. Leonardo Villar Governor Main points: 2022 The local financial infrastructure was safe and efficient throughout the year. The services of the financial infrastructure were proved on a continuous basis, showing good performance overall. Less momentum in the large-value payment system CUD activity declined versus the previous year because of fewer government deposits with BanRep. This was offset partially by growth in repos to increase money supply and in retail-value payments (electronic funds transfers, checks and cards). Increased momentum in financial market infrastructures. Larger amounts were cleared and settled through the Central Securities Depository (DCV) due to an increase in the market for sovereign debt. Operations managed by the Central Counterparty Risk of Colombia (CRCC) increased due to inclusion of the foreign exchange segment and the positive evolution in non-delivery forward peso/dollar contracts. Added confidence in the peso/dollar spot foreign exchange market due to CRCC interposition. Number and value of trades grew, mainly due to the adjustment of therisk management model for the FX segment and the increase in the limiton net selling positions in dollars. Stress testing with international standards to validate CRCC and CUD resilience Stress tests conducted independently by the SFC, BanRep and the CRCC, like those done in England and the United States, concluded that the CRCC's risk management model allows it to withstand extreme market events and simultaneous defaults by its main members. Based on the experience of other central banks, BanRep strengthened its intraday liquidity risk stress exercises in the CUD by incorporating temporary payment delays. It calculated that a two-hour delay by a key participant increases the system's liquidity needs by 0.5%. Electronic payments increased during 2021 According to transactional information, all electronic payment instruments increased in value versus 2020 (electronic funds transfers, checks and debit and credit cards). Electronic funds transfers continued to grow (80% from legal entities), with the participation of closed schemes driven particularly by the use of mobile wallets (35% of the number of intra-transfer transactions). The use of debit and credit cards for payments climbed to levels similar to those witnessed in the pre-pandemic year. Cash continues to be the instrument most used by the public for regular payments. The results of the BanRep survey in 2022 show that the perception of the use of cash declined significantly to 75% (87% in 2019), and about 50% of the population perceive their cash payments as being lower than those they made before the pandemic. Electronic funds transfers were second most used instrument, having increased to 15% (3% in 2019). Also, in commerce, cash was the preferred instrument of payment for its customers; however, several commerce channels received more than 10% of the value of their sales in electronic payments (hypermarkets 35%, gas stations 25%, hairdressers 15%, drugstores 14% and restaurants 12%). Continuous technological developments have broadened, and modernized services offered in the payments market. Pix (instant payments in Brazil). The high level of adoption of instant transfers in Brazil motivated a review of its strengths; namely, the possibility of different use cases between individuals, businesses, and government; high participation by financial and payment institutions; free of charge for individuals and the possibility of charging legal entities, and simple user experience. Digital currencies in central banking. Several groups of countries have joined forces to conduct pilot projects with wholesale CBDCs for cross-border payments. Flows generated by international trade, foreign investment and remittances between individuals can be processed more efficiently, transparently, and securely by reducing their cost and increasing their speed. Due to the constant progress being made on this issue, BanRep will continue to monitor all CBDC-related matters. The fintech ecosystem for payments in Colombia. A high percentage of existing FinTech companies in the country are dedicated to offering digital payment services: wallets, payment gateways, mobile devices (point-of-sale terminals) and acquisition. These have driven innovation in payment services.
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