Relevant bibliographies by topics / Peer-to-peer payment

Academic literature on the topic 'Peer-to-peer payment'

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Published: 10 December 2022
Last updated: 28 January 2023

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Journal articles on the topic "Peer-to-peer payment"

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Chaudhary, Kaylash, Xiaoling Dai, and John Grundy. "Experiences in Developing a Micro-payment System for Peer-to-Peer Networks." International Journal of Information Technology and Web Engineering 5, no. 1 (January 2010): 23–42. http://dx.doi.org/10.4018/jitwe.2010010102.

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Micro-payment systems are an important part of peer-to-peer (P2P) networks and address the “free-rider” problem in most existing content sharing systems. To address this issue, the authors have developed a new micro-payment system for content sharing in P2P networks called P2P-Netpay. This is an offline, debit based protocol that provides a secure, flexible, usable and reliable credit service. This article compares micro-payment with non-micro-payment credit systems for file sharing applications and finds that this approach liberates the “free-rider” problem. The authors analyse the heuristic evaluation performed by a set of evaluators and present directions for research aiming to improve the overall satisfaction and efficiency of the proposed model.
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Kalinić, Zoran, Francisco J. Liébana-Cabanillas, Francisco Muñoz-Leiva, and Veljko Marinković. "The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems." International Journal of Bank Marketing 38, no. 1 (July 18, 2019): 138–58. http://dx.doi.org/10.1108/ijbm-01-2019-0012.

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Purpose The purpose of this paper is to determine the significant antecedents of peer-to-peer (P2P) m-payment acceptance and explore the moderating effects of gender on the influence of these predictors with regards to intention of using the system. Design/methodology/approach The research was conducted on a sample comprised of 701 Spanish smartphone users. A multi-group structural equation modeling analysis was used to test the moderating effect of gender with a particular focus on the relationships between the latent variables of the research model. Findings The study identified significant differences between the two observed groups – the results show that men are more likely to use mobile payments than women and are therefore less influenced by the potential risks involved. In addition, men are more easily influenced by their social environment, whereas women are more influenced by their personal innovativeness. Originality/value The study proposes a three-level model, based on an extended TAM model. It is a pioneering study, exploring the effects of gender on P2P m-payment acceptance. Due to its novel value and the potential involved, the results of the study may be of great importance for m-payment providers, particularly in marketing strategy planning and customer segmentation.
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Kalinic, Zoran, Veljko Marinkovic, Sebastián Molinillo, and Francisco Liébana-Cabanillas. "A multi-analytical approach to peer-to-peer mobile payment acceptance prediction." Journal of Retailing and Consumer Services 49 (July 2019): 143–53. http://dx.doi.org/10.1016/j.jretconser.2019.03.016.

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Taghiloo, Majid, Mohammad Ali Agheli, and Mohammad Reza Rezaeinezhad. "Mobile Based Secure Digital Wallet for Peer to Peer Payment System." International Journal of UbiComp 1, no. 4 (October 30, 2010): 1–11. http://dx.doi.org/10.5121/iju.2010.1401.

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Maysaroh, Siti, and Diansyah Diansyah. "Pengaruh Peer To Peer Lender (P2P) Dan Payment Gateway Terhadap Kinerja UMKM Pada Masa Pandemi Covid-19 Dengan E-commerce Sebagai Variabel Moderating." Business Management Journal 18, no. 2 (September 18, 2022): 131. http://dx.doi.org/10.30813/bmj.v18i2.3021.

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This research is motivated by the fact that several MSME actors have started implementing or using peer to peer lenders, payment gateways and e-commerce in their business activities, especially in Johar Baru District, Central Jakarta. This study aims to determine the effect of peer-to-peer lenders and payment gateways on MSME performance during the Covid-19 pandemic using e-commerce as a moderating variable. Peer To Peer Lenders and Payment Gateways are independent variables and MSME performance is the dependent variable in this study. In this study there is a moderating variable, namely E-commerce. Data analysis method using SmartPLS. The population in this study is MSMEs located in Johar Baru District, Central Jakarta with a total sample of 150 MSMEs with purposive sampling method. The results showed that Peer To Peer Lenders had a significant positive effect on MSME Performance, Payment Gateway had a significant positive effect on MSME Performance, E-commerce had a significant positive effect on MSME Performance. Peer To Peer Lenders moderated by E-commerce have a significant positive effect on MSME performance. While the Payment Gateway moderated by E-commerce has a negative and significant impact on the performance of MSMEs. Keywords: Financial Technology, Peer To Peer Lenders, Payment Gateway, E-commerce. MSME performance.
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Diep, Nguyen Thi Ngoc, and Tran Quang Canh. "Impact analysis of peer-to-peer Fintech in Vietnam’s banking industry." JOURNAL OF INTERNATIONAL STUDIES 15, no. 3 (2022): 173–85. http://dx.doi.org/10.14254/2071-8330.2022/15-3/12.

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This paper aims to analyze the factors affecting customer satisfaction and loyalty when using peer-to-peer (P2P) services, thereby drawing some conclusions for the banking industry. The second objective is to determine whether P2P Fintech and traditional banks should collaborate under current circumstances or if they make for healthy competition, and collaboration is optional. The SEM model, IBM SPSS Statistics 20, and IBM SPSS Amos software are used to process data from an official survey of 254 people who have used P2P Fintech from January 5 to February 23, 2022. The results show that P2P Fintech provides products with a better customer experience, and there is a change in customer payment trends. Therefore, bank managers should create appropriate policies for the sustainable development of their banks that would involve establishing their P2P activity and ensuring their customers’ satisfaction. Commercial banks need to clarify their responsibilities with service providers and clearly define the data provided to Fintech in order to avoid unintended cases: legal risk that service providers are prohibited or prevented from functioning; potential capital loss or payment delay, ... Moreover, there are risks when using a P2P fintech system, such as technology development, or when the software is discontinued, the level of risk will be very high.
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Zhang, Jin, Cungang Hu, Changbao Zheng, Tao Rui, Weixiang Shen, and Bo Wang. "Distributed Peer-to-Peer Electricity Trading Considering Network Loss in a Distribution System." Energies 12, no. 22 (November 13, 2019): 4318. http://dx.doi.org/10.3390/en12224318.

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In this paper, a distributed peer-to-peer (P2P) electricity trading model was proposed to study economic interactions between load aggregators (LAs) and microgrid operators (MGOs) considering network losses in a distribution system. In this model, the economic interactions among market participants were formulated as a Nash bargaining game, where LAs and MGOs can bargain with each other on the trading volume of electricity and payment. To achieve the Nash bargaining solution, the game was divided into two sub-problems: social welfare maximization and payment bargaining. Then, the alternating direction method of multipliers was used to solve the two sub-problems with limited information exchange. Finally, we tested the proposed model on a 12 × 12 km2 distribution system, and the results verify its effectiveness.
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Baihaqi, Jadzil. "Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia." TAWAZUN : Journal of Sharia Economic Law 1, no. 2 (September 20, 2018): 116. http://dx.doi.org/10.21043/tawazun.v1i2.4979.

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<p>This research aims to explain the concept of online peer-to-peer lending based on sharia rules. This research uses a literature study. The findings are, first, online peer-to-peer lending allowed in Islamic law that free from prohibited transactions, using sharia contracts, transparent, and in good manner. Second, there are 6 online peer-to-peer lending models that can be done according to Fatwa DSN-MUI: 1) financing for factoring, 2) financing for procurement ordered good, 3) financing for online seller, 4) financing for online seller through payment gateway, 5) financing for employee, 5) financing for community-based.<em> </em></p>
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Hidayah, Nur Putri, and Komariah Komariah. "Upaya Peningkatan Literasi Hukum Masyarakat Tentang Peer to Peer Lending." Jurnal Dedikasi Hukum 2, no. 1 (April 26, 2022): 1–11. http://dx.doi.org/10.22219/jdh.v2i1.20914.

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Pinjaman online atau yang dikenal dengan peer to peer lending semakin marak di masyarakat. Proses yang cepat dan persyaratan yang sederhana membuat banyak masyarakat tertarik meminjam pada aplikasi pinjaman online. Namun, dibalik kemudahan tersebut, banyak permasalahan yang lahir pasca pencairan peminjaman, seperti: 1) Waktu pembayaran/jatuh tempo yang terlampau cepat; 2) Bunga pinjaman yang mencekik; 3) Biaya administrasi tinggi yang dipotongkan pada nominal pinjaman, namun pokok pinjaman tetap dihitung dari jumlah total pencairan; 4) Teror dari perusahaan pinjaman online karena keterlambatan pembayaran. Solusi untuk permasalahan ini, masyarakat harus diberikan edukasi melalui penyuluhan hukum tentang peer to peer lending secara online kepada anggota TP PKK Desa Sumbersekar sehingga dapat memahamani risiko-risiko dari pinjaman online dan langkah pencegahannya. Metode yang digunakan dalam pengabdian ini adalah penyuluhan. Hasil pengabdian menunjukan bahwa mitra telah menerima dan memahami materi perihal peer to peer lending yang didasrkan pada kemampuan menjawab seluruh daftar pertanyaan lisan yang diajukan oleh Pengabdi. Efforts to Improve Community Legal Literature on Peer-to-Peer Lending Online lending or known as peer-to-peer lending is increasingly rife in the community. The fast process and simple requirements make many people interested in borrowing on online loan applications. However, behind these conveniences, many problems are born after the disbursement of loans, such as: 1. Payment time/maturity is too fast; 2. Suffocating loan interest; 3. High administrative costs are deducted on the loan nominal, but the principal of the loan is still calculated from the total amount of disbursement; 4. Terror of online loan companies due to late payments. The solution to this problem, the public must be given education through legal counseling about online peer to peer lending to members of the TP PKK Sumbersekar Village so that they can understand the risks of online loans and their prevention steps. The method used in this devotion is counseling. The results of the service show that partners have received and understood material about peer-to-peer lending based on right answer for the question that asked by the conselor.
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Khan, Prince Waqas, and Yung-Cheol Byun. "Blockchain-Based Peer-to-Peer Energy Trading and Charging Payment System for Electric Vehicles." Sustainability 13, no. 14 (July 16, 2021): 7962. http://dx.doi.org/10.3390/su13147962.

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The world is moving rapidly from carbon-producing vehicles to green transportation systems. Electric vehicles (EV) are a big step towards a friendly mode of transport. With the constant rise in the number of electric vehicles, we need a widespread and seamless charging infrastructure that supports seamless charging and billing. Some users generate electricity using solar panels and charge their electric vehicles. In contrast, some use charging stations, and they pay for vehicle charging. This raises the question of trust and transparency. There are many countries where laws are not strictly enforced to prevent fraud in payment systems. One of the preeminent problems presently existing with any of the trading systems is the lack of transparency. The service provider can overcharge the customer. Blockchain is a modern-day solution that mitigates trust and privacy issues. We have proposed a peer-to-peer energy trading and charging payment system for electric vehicles based on blockchain technology. Users who have excess electricity which they can sell to the charging stations through smart contracts. Electric vehicle users can pay the charging bills through electronic wallets. We have developed the electric vehicle’s automatic-payment system using the open-source platform Hyperledger fabric. The proposed system will reduce human interaction and increase trust, transparency, and privacy among EV participants. We have analyzed the resource utilization and also performed average transaction latency and throughput evaluation. This system can be helpful for the policymakers of smart cities.
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Dissertations / Theses on the topic "Peer-to-peer payment"

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Novák, Vladimír. "Aktuální trendy v bezkontaktním placení, přínos Apple a analýza trhu ČR včetně preferencí spotřebitelů." Master's thesis, Vysoká škola ekonomická v Praze, 2016. http://www.nusl.cz/ntk/nusl-264388.

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The main objective of this work is to analyze current trends in contactless payments and consequently implement it on the Czech market. On this base this thesis deals with several wearable devices. Furthermore on this base is also working in the application part, where is one of the secondary objectives of the work to determine consumer preferences on the market of the Czech Republic. One of the secondary objectives is create a brief summary of the history of payment cards and within the sociological aspect to find a certain analogy in introducing innovations in the field of payments towards current trends in contactless methods. Within the secondary objectives there are simultaneously defined key assumptions forms of payment for success on the market. The following section focuses on electronic payments. Specifically, it deals with trends in electronic payment services, where for its implementation aren´t required the physical presence of the card or chip. Furthermore there are analyzed alternative paths in the current payment methods, namely peer-to-peer platforms. On these platforms is based shared economy, which also represents an interesting potential for the possible development of payment field. Chapter with alternative methods for cashless is finished by analyzing digital currencies. The hypothesis of this thesis is whether Apple can have an impact on the area of contactless payments and how it can affect the entire sector. Part of the hypothesis is the claim that Apple manages to change the area of contactless payments, such as happenede in the music industry with iTunes and then in the telecommunications industry with a revolutionary iPhone. Potential benefit of Apple is defined by the method of description. Potential contribution of Apple Pay is characterized by logical deduction base on previous relationships. Conclusion is by quantitative research method, namely through the consumer research, assessed consumer preferences in the Czech Repulic and is also evaluated the hypothesis of potential benefits of Apple contactless payments.
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Böhme, Sascha. "Analysis of Bitcoin as a peer-to-peer network for international payments." Thesis, Massachusetts Institute of Technology, 2014. http://hdl.handle.net/1721.1/90710.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, Engineering Systems Division, System Design and Management Program, 2014.
Cataloged from PDF version of thesis.
Includes bibliographical references (pages 63-68).
The payment system is due for an overhaul. The antiquated infrastructure that runs the funds transfer network belongs to the pre-Internet era. As a result, international payments are expensive, slow, cumbersome, and not as secure as they could be. This thesis argues that the cryptocurrency Bitcoin is the answer to the problems facing millions of consumers, merchants, and remitters worldwide. The analysis is based on two frameworks. The first one is used to measure how well Bitcoin's attributes meet the needs of the users of the payment system. The second one is used to decide if the payments industry is likely to have one or more dominant platform leaders.
by Sascha Böhme.
S.M. in Engineering and Management
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Kozlik, Petr. "EXPLORING DIGITAL CURRENCIES: Designing a peer-to-peer exchange with use of Blockchain." Thesis, Malmö högskola, Fakulteten för kultur och samhälle (KS), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:mau:diva-22275.

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Digital currencies represent complementary alternatives to fiat money in the conventional mental models of exchange. Blockchain, as the underlying technology of Bitcoin, holds a potential to influence a peer-to-peer exchange in the perspective of trust and ownership. The underlying technologies of digital currencies may be part of concepts, where designers have a possibility to define their own exchange articles for specific needs of the exchange. The ambition of this report is to illustrate the possibilities for the initiation of a peer-to-peer exchange with use of the underlying technologies beyond Bitcoin. The explorative approach provided me material for the retrospective reflection to achieve this ambition. The thesis project consisted three iterations, one experiment, and a literature overview. The main conceptual work illustrates the result of explorative research, where blockchain ensures trust between participating parties. This ecosystem uses the principles of sharing economy for initialisation of exchange within the community. This concept demonstrates potential opportunities for future transactions, in which the exchange article replaces fiat money.
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Mariotto, Carlotta. "Essais sur l'Innovation de la Banque de Détail." Thesis, Paris Sciences et Lettres (ComUE), 2016. http://www.theses.fr/2016PSLEM085/document.

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L’industrie de la finance a connu une multiplication d’innovations qui peuvent bouleverser les services financiers traditionnels. Elles brouillent les frontières entre banques et start-ups, accélérèrent les transactions, démocratisent l'accès au crédit, tout en imposant aux régulateurs le défi de construire un cadre règlementaire qui rééquilibre le compromis entre stabilité financière, concurrence innovation.Dans cette thèse, d'abord je réponds à cette question : comment les innovations influencent-elles la concurrence dans la banque de détail ? Un premier enjeu consiste à comprendre pourquoi certains de ces services innovants sont offerts par les plateformes non-bancaires, et comment les banques peuvent rivaliser avec des participants qui appliquent un modèle d'affaire différent. Après, je regarde quels sont les facteurs d’adoption de l'innovation par les consommateurs. Pour répondre à cette question, j'étudie à l'aide d'outils d'analyse empirique l'exemple des deux principales plateformes de prêts peer-to-peer aux USA, Prosper et LendingClub. Pour terminer, je me demande si la réglementation de l'innovation est nécessaire. Est-il optimal pour la société de réglementer les fournisseurs de services innovants ? Je propose deux modèles théoriques qui s'inscrivent dans les débats bien connus sur le niveau optimal des interchanges dans les systèmes de cartes de paiement et des clauses de parité des prix et d'exclusivité sur les plateformes en ligne
During the last years, the finance industry has experienced a proliferation of innovations which may disrupt traditional financial services. They blur the boundaries between banks and financial start-ups, speed up transactions, democratize the access to credit, revise how we can purchase goods and how merchants can sell their products, while imposing regulators the challenge for a new level playing field which balances the trade-off between financial stability, competition and innovation. In this thesis, I try to answer to three main issues related to the topic of innovation in retail banking. Firstly, how do innovations impact competition in retail banking. One first issue is to understand why some of these innovative services are offered by non-bank platforms and how can banks compete with entrants that do not have the same business model. Secondly, I look at what the drivers of the adoption of innovation by consumers in retail banking are. What determines the diffusion of a new financial technology despite all the financial risks related to it ? To answer to these questions, I will look empirically at the example of the two main peer-to-peer lending platforms in the USA, Prosper and LendingClub. Third, I address the question on whether regulation of innovation is necessary. Is it optimal for the society to regulate the providers of innovative retail banking services? To answer to these questions, I address, in two theoretical models, the well-known debates on the optimal level of interchange fees in payment card systems and the imposition of exclusivity arrangements and price parity clauses in contracts between platforms and merchants
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Lee, Po-Han, and 李柏漢. "The Research of Small Payment Schemes in Peer-to-peer Environment." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/12730381372444533698.

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碩士
國立中央大學
資訊工程研究所
99
The peer-to-peer applications are widely used today. In particular, the filesharing system is a popular application in P2P. The peers in file-sharing system share their resources in P2P overlay network. Actually, Peers will maximize their utility, but they refuse to contribute their resources, because they do not reap the benefits of their contribution. The behavior which a peer does not attempt to share his recourse and gets other’s only is termed “free-riding”. Researchers have proposed some schemes to encourage the peers to share their resources, such as PPay and OFPPay. PPay and OFPPay provide payment protocols in P2P environment. They claim their protocols are secure and the coin is transferable. However, we find out a weakness of OFPPay and propose an attack on PPay. Then we provide two countermeasures to resist the attack and the weakness, respectively. In terms of broker’s and peers’ workload, our improved schemes are the same as PPay and OFPPay. Nowadays, the transferable coin has lack of flexibility. In practice, the denomination of coin may not match the price of content, therefore, when a customer pays to a vendor, and the vendor sometimes needs to give change to the customer. It is hard to implement this concept. We propose transferable and divisible coins instead of change. The divisible coins are flexible, and they can be divided into several coins, and these coins are transferable. PPay relies on online third parties. The communication cost is high and time latency is long. For these reasons, we propose two two-way SVP schemes. The first one is Symmetric-key Based Two-way SVP. It uses a tamper proof device to implement offline payment. And all of the employed security component are lightweight, such as hash and MAC. The other one is Asymmetric-key Based Two-way SVP. It is reliable since all of the devices hold different keys. The system will not crash when a stored key has been compromised.
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Huang, Chun-Min, and 黃俊閔. "A Study on Peer to Peer lending and payment ——using Smart Contract." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/77579j.

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碩士
國立政治大學
資訊管理學系
106
Payments and lending exist in our lives all the time, and the rise of the Internet makes the demand for payment and lending easy to solve, that is, peer-to-peer lending and third-party payment. These payment models are very convenient for users, but there are also many risks, such as centralization, information asymmetry and information security. Therefore, this study will discuss the shortcomings of third-party payment and peer-to-peer lending models, and using blockchain technology and smart contract to integrate peer-to-peer lending and third-party payment models. Implementing a smart contract model for trading digital goods. Then deploying and executing smart contract in the Ropsten testnet for simulating this model with virtual three-party stakeholders. The result verifies the feasibility of this model. The operations of the stakeholders involved do not require third parties or arbiters to intervene in all transaction process. And the results of all executions will become a transaction record permanently in the blockchain and never been tampered .Therefore, this research model has some improvement on the supervision of existing lending and payment transaction models. Keyword:Blockchain, Smart Contract, Decentralized Payment, Peer-to-Peer Lending
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Martiník, Pavel. "Právní regulace platebního styku." Master's thesis, 2017. http://www.nusl.cz/ntk/nusl-356153.

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Topic: Legal Regulation of Payment Transactions Author: Bc. Pavel Martiník Supervisor: JUDr. Petr Kotáb, Ph.D. Regulation of payment services plays a key role in this era driven by escalating digitalization. The aim of this Thesis is to depict current challenges that this area of financial law faces and to propose a basis for regulation that can be implemented in the Czech Republic. The main topic of this Thesis is virtual currencies, more specifically Bitcoins and their status within the system of payment services regulations. After a short introduction, the first chapter of this Thesis describes theoretical background of payment services regulation, especially general and specific aims of legislation in this area of financial law, by addressing it in full context of private and public law. Besides that, it also briefly illustrates the history of payment services and money. The next chapter deals with current regulation that has been adopted in the Czech Republic. Besides virtual currencies, electronic money is discussed in full detail due to its similar features with virtual currencies. Furthermore, foreign regulation of payment systems is briefly described in order to provide a comparison with the Czech Republic. Therefore, both Czech and foreign regulations dealing with virtual currencies that...
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Kiran, Mariam, and M. Stannett. "Bitcoin Risk Analysis." 2014. http://hdl.handle.net/10454/10717.

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No
The surprise advent of the peer-to-peer payment system Bitcoin in 2009 has raised various concerns regarding its relationship to established economic market ideologies. Unlike fiat currencies, Bitcoin is based on open-source software; it is a secure cryptocurrency, traded as an investment between two individuals over the internet, with no bank involvement. Computationally, this is a very innovative solution, but Bitcoin’s popularity has raised a number of security and trust concerns among mainstream economists. With cities and countries, including San Francisco and Germany, using Bitcoin as a unit of account in their financial systems, there is still a lack of understanding and a paucity of models for studying its use, and the role Bitcoin might play in real physical economies. This project tackles these issues by analysing the ramifications of Bitcoin within economic models, by building a computational model of the currency to test its performance in financial market models. The project uses established agent-based modelling techniques to build a decentralised Bitcoin model, which can be ‘plugged into’ existing agent-based models of key economic and financial markets. This allows various metrics to be subjected to critical analysis, gauging the progress of digital economies equipped with Bitcoin usage. This project contributes to the themes of privacy, consent, security and trust in the digital economy and digital technologies, enabling new business models of direct relevance to NEMODE. As computer scientists, we consider Bitcoin from a technical perspective; this contrasts with and complements other current Bitcoin research, and helps document the realizable risks Bitcoin and similar currencies bring to our current economic world. This report outlines a comprehensive collection of risks raised by Bitcoin. Risk management is a discipline that can be used to address the possibility of future threats which may cause harm to the existing systems. Although there has been considerable work on analysing Bitcoin in terms of the potential issues it brings to the economic landscape, this report performs a first ever attempt of identifying the threats and risks posed by the use of Bitcoin from the perspective of computational modeling and engineering. In this project we consider risk at all levels of interaction when Bitcoin is introduced and transferred across the systems. We look at the infrastructure and the computational working of the digital currency to identify the potential risks it brings. Additional information can be seen in our forthcoming companion report on the detailed modeling of Bitcoin.
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Tinsahli, Till. "Exploring the determinants of : participation and payment requirements for peer 2 peer electricity markets in combination with smart electricity management requirements." Master's thesis, 2021. http://hdl.handle.net/10400.14/36999.

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Using Peer-to-Peer electricity trading in combination with Smart Electricity Management Devices is a promising approach to use renewable electricity sources more effectively, while creating greater welfare for the market participants than current electricity markets do. The presented work investigates how the Willingness to Participate, the Minimum Savings for Participation, and the electricity prices in a Peer-to-Peer electricity market are shaped. Though investigating the relations of: Pro Environmental Behaviour, explanatory variables and control variables, with the Willingness to Participate, the Minimum Savings for Participation and the electricity prices on a Peer-to-Peer electricity market with Smart Electricity Management Devices. Therefore, the answers of 134 German residents to a questionnaire got evaluated, to determine the Willingness to Participate and the Minimum Savings for Participation in Peer-to-Peer electricity trading, Smart Electricity Management Device use and a combination of both. Furthermore, the buying and selling prices for electricity on a Peer-to-Peer market are determined. This work found that the Willingness to Participate in is fully mediating the relation between Pro Environmental Behaviour and the Minimum Savings for Participation. Also, the Willingness to Participate and the Minimum Savings for Participation are mediating the relation between Pro-Environmental Behaviour and the selling price for electricity. Additionally, simple linear relations and multiple relations of: Pro Environmental Behaviour, the explanatory variables and control variables, with: the Willingness to Participate, the Minimum Savings for Participation and the electricity prices are indicated. Finally, conceptual frameworks illustrate the most important relations and the mediation analyses with the respective effect sizes. The presented work found that a P2P electricity market could function effectively regarding the prices, and that Pro Environmental Behaviour is the most important external variable influencing the Willingness to Participate, the Minimum Savings for Participation and the electricity prices. Thus, this work provides valuable insights about what should be considered when setting up an actual Peer-to-Peer electricity market.
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Books on the topic "Peer-to-peer payment"

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Office, General Accounting. Medicare: Statutory modifications needed for the peer review program monetary penalty : report to congressional committees. Washington, D.C: GAO, 1989.

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Book chapters on the topic "Peer-to-peer payment"

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Liu, Yuan, Zhengpeng Ai, Shuai Sun, Shuangfeng Zhang, Zelei Liu, and Han Yu. "FedCoin: A Peer-to-Peer Payment System for Federated Learning." In Lecture Notes in Computer Science, 125–38. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-63076-8_9.

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Boudko, Svetlana, Habtamu Abie, Mirna Boscolo, and Davide Ferrario. "Predictive Analytics Service for Security of Blockchain and Peer-to-Peer Payment Solutions." In Lecture Notes in Electrical Engineering, 71–81. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-33-6385-4_7.

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Afeti, Eunice Yeboah, and Joshua Ofori Amanfo. "Enablers and Inhibitors of Merchant Adoption of Mobile Payments." In Handbook of Research on Managing Information Systems in Developing Economies, 227–50. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-2610-1.ch011.

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Merchant adoption of mobile payments is facilitating new business models and changing the way merchants run their brick and mortar businesses. Despite the advantages of mobile payment adoption to the merchant, they still hesitate to adopt mobile payments. Thus, the study seeks to explore qualitatively through a case study the enablers and inhibitors to merchant adoption of mobile payments. The study identified that merchants are adopting mobile payments to facilitate new business models, to promote the disintermediation of traditional intermediaries, to offer different possibilities of growing their businesses, and to reduce transaction costs. Even though merchants believe that mobile payments adoption and use improve operational efficiency to their businesses, there are instances of fraud, particularly in the peer-to-peer transfer sector, data breaches, data security, and privacy concerns. Therefore, it is imperative for service providers of mobile payments to enhance technological issues regarding privacy protection that could enhance trust towards mobile payment adoption.
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Afeti, Eunice Yeboah, and Joshua Ofori Amanfo. "Enablers and Inhibitors of Merchant Adoption of Mobile Payments." In Research Anthology on Concepts, Applications, and Challenges of FinTech, 535–58. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8546-7.ch029.

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Merchant adoption of mobile payments is facilitating new business models and changing the way merchants run their brick and mortar businesses. Despite the advantages of mobile payment adoption to the merchant, they still hesitate to adopt mobile payments. Thus, the study seeks to explore qualitatively through a case study the enablers and inhibitors to merchant adoption of mobile payments. The study identified that merchants are adopting mobile payments to facilitate new business models, to promote the disintermediation of traditional intermediaries, to offer different possibilities of growing their businesses, and to reduce transaction costs. Even though merchants believe that mobile payments adoption and use improve operational efficiency to their businesses, there are instances of fraud, particularly in the peer-to-peer transfer sector, data breaches, data security, and privacy concerns. Therefore, it is imperative for service providers of mobile payments to enhance technological issues regarding privacy protection that could enhance trust towards mobile payment adoption.
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Dai, Xiaoling, Kaylash Chaudhary, and John Grundy. "P2P-NetPay." In Models for Capitalizing on Web Engineering Advancements, 159–82. IGI Global, 2012. http://dx.doi.org/10.4018/978-1-4666-0023-2.ch009.

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Micro-payment systems are becoming an important part of peer-to-peer (P2P) networks. The main reason for this is to address the “free-rider” problem in most existing content sharing systems. The authors of this chapter have developed a new micro-payment system for content sharing in P2P networks called P2P-Netpay. This is an offline, debit based protocol that provides a secure, flexible, usable, and reliable credit service in peer-to-peer networks ensuring equitable participation by all parties. The authors have carried out an assessment of micro-payment against non-micro-payment credit systems for file sharing applications. The chapter reports on the design of our experiment and results of an end user evaluation. The chapter then discusses the performance of the credit model, comparing it to a non-micro-payment credit model. Through evaluation of the proposed system and comparison with other existing systems, the authors find that the new approach eliminates the “free-rider” problem. The chapter analyses a heuristic evaluation performed by a set of evaluators and presents directions for research aiming to improve the overall satisfaction and efficiency of this model for peers.
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Tansakul, Pajaree, Malka N. Halgamuge, and Ali Syed. "Distinguish Significant Adoption Factors That Influence Users' Behavioral Expectation to Utilize Mobile Payment." In Advances in Marketing, Customer Relationship Management, and E-Services, 148–68. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-8015-7.ch009.

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In this chapter, the authors performed an analysis of the data extracted from 39 peer-reviewed scientific publications between 2015 and 2018 describing users' adoption of various mobile payment systems encompassing methods, technologies, adoption models, theories, variables of the adoption models and theories, as well as significant adoption factors. The analysis demonstrates that the technology acceptance model (TAM) is the most popular model to investigate users' adoption of mobile payment. Both the original and extended versions of TAM are studied broadly to examine the individual's intention to adopt mobile payment. In addition, the analysis of the results from this chapter demonstrates perceived compatibility has the strongest positive impact on the intention to use mobile payment technology whereas perceived risk has a negative relationship with the intention to use mobile payment technology.
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Hamza, Hichem, and Khoutem Ben Jedidia. "Central Bank Digital Currency and Financial Stability in a Dual Banking System." In Research Anthology on Macroeconomics and the Achievement of Global Stability, 768–87. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-7460-0.ch042.

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The digitization of payment and the development of private digital currencies have constrained central banks to examine the issuance of their own central bank digital currency (CBDC) in order to face the competition of the new peer-to-peer payment system and the decline of cash use. This chapter addresses the topic of CBDC and places the discussion within the context of dual banking intermediation and financial stability. The design of CBDC in term of accessibility, anonymity, interest rate, and payment mechanism depends on the cryptocurrency use and money characteristics regarding the use of cash and deposit. The CBDC Sharia compliant, free of interest or PLS-based, fulfilling money value stability might be a solution. The effects of CBDC on banking intermediation and financial stability depend importantly on the CBDC design and switch significance of banks deposit to CBDC but remain an open question given the pros and cons arguments. In a dual banking system, Islamic banks could limit the disintermediation effect and maintain financial stability under Sharia compliance.
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Hamza, Hichem, and Khoutem Ben Jedidia. "Central Bank Digital Currency and Financial Stability in a Dual Banking System." In Advances in Finance, Accounting, and Economics, 233–52. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-0039-2.ch012.

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The digitization of payment and the development of private digital currencies have constrained central banks to examine the issuance of their own central bank digital currency (CBDC) in order to face the competition of the new peer-to-peer payment system and the decline of cash use. This chapter addresses the topic of CBDC and places the discussion within the context of dual banking intermediation and financial stability. The design of CBDC in term of accessibility, anonymity, interest rate, and payment mechanism depends on the cryptocurrency use and money characteristics regarding the use of cash and deposit. The CBDC Sharia compliant, free of interest or PLS-based, fulfilling money value stability might be a solution. The effects of CBDC on banking intermediation and financial stability depend importantly on the CBDC design and switch significance of banks deposit to CBDC but remain an open question given the pros and cons arguments. In a dual banking system, Islamic banks could limit the disintermediation effect and maintain financial stability under Sharia compliance.
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Anshari, Muhammad, Mohammad Nabil Almunawar, and Masairol Masri. "An Overview of Financial Technology in Indonesia." In Financial Technology and Disruptive Innovation in ASEAN, 216–24. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-5225-9183-2.ch012.

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Financial technology (FinTech) has been developing at a tremendous rate all around the globe. This chapter will show how banking and financial system has evolved by financial technology which affected the way of how society is living now. There is a rapid change of FinTech for the past few years in Indonesia. These changes have made an impact to the people in Indonesia. As for the exploration to the rise of FinTech in Indonesia, it is important to understand the development and challenges of FinTech in Indonesia by looking changing Indonesian people's behavior in terms of FinTech's adoption include payment channel system, digital banking, peer-to-peer (P2P) lending, and crowdfunding.
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Joanna, Perkins. "Part V New Financial Technology in Financial Markets and Infrastructure, 14 Fintech and Financial Markets Infrastructure—A Legal and Regulatory Perspective." In Financial Markets and Exchanges Law. Oxford University Press, 2021. http://dx.doi.org/10.1093/law/9780198827528.003.0014.

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This chapter explores the potential and challenges faced by blockchain technology in the context of six key activities: payment services, securities trading, securities clearing, securities settlement, custody, and the trading of derivatives. It describes each of the six key activities and the law as it currently stands, the potential for technological change, and the ways in which the applicable law and regulation might need to be amended or supplemented. It also explains blockchain as a specific application of a technology known as Distributed Ledger Technology (DLT) that relies on peer—to—peer networking, distributed data storage, and cryptography. This chapter refers to both the general technology and the specific application as DLT. It also mentions hash as the immutable cryptographic signature that records transactions in the blockchain.
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Conference papers on the topic "Peer-to-peer payment"

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"A NOVEL PEER-TO-PEER PAYMENT SYSTEM." In 1st International Conference on E-business and Telecommunication Networks. SciTePress - Science and and Technology Publications, 2004. http://dx.doi.org/10.5220/0001388802450250.

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Yi-chun, Liu. "An Optimistic Fair Peer-to-Peer Payment System." In 2007 International Conference on Management Science and Engineering. IEEE, 2007. http://dx.doi.org/10.1109/icmse.2007.4421852.

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Kokkinen, Heikki, Jan-Erik Ekberg, and Janne Noyranen. "Post-Payment System for Peer-to-Peer Filesharing." In 2008 5th IEEE Consumer Communications and Networking Conference. IEEE, 2008. http://dx.doi.org/10.1109/ccnc08.2007.37.

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Obaid, Mahmoud, and Rami Hodrob. "Peer to Peer Real-Time Mobile Payment Scheme." In 2022 International Arab Conference on Information Technology (ACIT). IEEE, 2022. http://dx.doi.org/10.1109/acit57182.2022.9994208.

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Gao, J., K. Edunuru, J. Cai, and S. Ph D. Shim. "P2P-Paid: A Peer-to-Peer Wireless Payment System." In Proceedings. Second IEEE International Workshop on Mobile Commerce and Services. IEEE, 2005. http://dx.doi.org/10.1109/wmcs.2005.16.

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Xiang-hua Xu, Ruo-ting Zheng, and Jian Wan. "A postponed-payment based incentive mechanism for peer-to-peer live streaming services." In China-Ireland International Conference on Information and Communications Technologies (CIICT 2007). IEE, 2007. http://dx.doi.org/10.1049/cp:20070788.

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Tan, Guang, and Stephen Jarvis. "A Payment-based Incentive and Service Differentiation Mechanism for Peer-to-Peer Streaming Broadcast." In 200614th IEEE International Workshop on Quality of Service. IEEE, 2006. http://dx.doi.org/10.1109/iwqos.2006.250450.

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Sakız, Burcu, and Ayşen Hiç Gencer. "Forecasting the Bitcoin Price via Artificial Neural Networks." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02070.

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Bitcoin is the first decentralized innovative alternative digital currency, which was introduced in 2009 and is now one of the most widely used crypto-currencies. As digital assets, crypto-currencies utilize encryption technology and electronic payment system based on cryptographic proof instead of trust in a central authority, such as a government or a central bank. The Blockchain system, which is the underlying infrastructure for transferring any crypto-currency, is a shared form of recording that facilitates the recording of assets and transactions in an open network. Blockchain enables bitcoin transfer transactions from peer to peer without any intermediary, such as a bank or a transfer agency. In this study, artificial intelligence algorithms are developed in order to forecast the bitcoin price by taking into account monthly average prices of the previous three years.
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Arefjevs, Ilja, Aivars Spilbergs, Andris Natrins, Atis Verdenhofs, Inese Mavlutova, and Tatjana Volkova. "Financial sector evolution and competencies development in the context of information and communication technologies." In Research for Rural Development 2020. Latvia University of Life Sciences and Technologies, 2020. http://dx.doi.org/10.22616/rrd.26.2020.038.

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The development of information and communication technologies (ICT) has a significant impact on the business model of companies operating in the financial sector. Digital transformation leads to changing existing business model rapidly, as well as necessity of developing new processes specifically related to the use of ICT in business processes, development of new products and updating existing ones. At present, changes in the demand for ICT related processes in financial sector are observed both through the development of different technologies and their applications core or ancillary processes (e.g. innovations in payment systems including crypto currencies, blockchain-assisted smart contract, credit markets and insurance including peer-to-peer lending). Based on the opportunities offered by ICT, new business models need to be developed in the financial sector to transform these capabilities into new products and services that respond to changing customer demand. The aim of research to investigate the changes taking place in financial sector in the light of developments in ICT for acquisition of necessary competencies. Research methodology includes systematic review of scientific literature, analysis of selected financial sector statistics, semi-structured industry expert interviews and statistics analysis. The empirical study is limited to the financial sector of Latvia. Although due to the global nature of the financial sector the research findings could be applied internationally.
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Mohan, Permanand. "Learning Object Repositories." In InSITE 2005: Informing Science + IT Education Conference. Informing Science Institute, 2005. http://dx.doi.org/10.28945/2908.

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In order to reuse learning objects created by others, they must be made available to potential users on the Web, and services must be provided to allow users to discover, obtain rights to, and use these learning objects in their own instructional scenarios. In the learning object economy, these services are typically provided by learning object repositories, which are collections of learning objects that are accessible to users via a network without prior knowledge of the structure of the collections. This chapter discusses the important role played by learning object repositories in the learning object economy. The success of the learning objects' approach depends on users worldwide (such as instructors, learners, and software agents) being able to access and search for learning objects in different repositories in a uniform manner. The first part of the chapter explains how this can be achieved using a standardized approach for accessing and describing learning objects in a repository. Standardized access and retrieval is facilitated by implementing a specification from the IMS known as the Digital Repositories Interoperability (DRI) specification, while standardized search and discovery is facilitated by implementing a metadata standard such as the IEEE Learning Object Metadata (LOM) standard, described earlier in the book. There are different architectural approaches and business models that can be employed when designing a learning object repository and these are discussed next in the chapter. Typical architectural choices include using a centralized repository based on the client/server approach versus using several local repositories connected in a peer-to-peer fashion. Typical choices for business models include using an online broker for advertising and receiving payment for learning objects versus making the learning objects freely available. The advantages and disadvantages of the different approaches and models are carefully examined, and concrete examples of research prototypes and real-world deployments are provided wherever appropriate.
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Reports on the topic "Peer-to-peer payment"

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of U.S. Adults Ages 18+. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.001.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Connecticut Adults Ages 18+. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.002.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Pennsylvania Adults Ages 18+. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.003.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Vermont Adults Ages 18+. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.004.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Washington Adults Ages 18+. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.005.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of U.S. Adults Ages 18+: Infographic. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.006.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Connecticut Adults Ages 18+: Infographic. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.007.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Pennsylvania Adults Ages 18+: Infographic. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.008.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Vermont Adults Ages 18+: Infographic. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.009.

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Choi-Allum, Lona. Peer-to-Peer Payment Platforms and Associated Risks: A Survey of Washington State Adults Ages 18+: Infographic. AARP Research, May 2020. http://dx.doi.org/10.26419/res.00383.010.

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