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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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Purnamasari, Endah Dewi. "Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang." Jurnal Ilmiah Ekonomi Global Masa Kini 11, no. 1 (July 17, 2020): 63. http://dx.doi.org/10.36982/jiegmk.v11i1.1063.
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<div class="page" title="Page 1"><div class="layoutArea"><div class="column"><p><span>ABSTRACT</span></p><p><span>Fintech is an innovation that has emerged in the field of financial services. Fintech changed the habits of public financial transactions. There are 2 types of fintech that are very popular for SMEs, namely Payment Gateway and Peer to Peer Lending (P2P). This study aims to analyze the effect of Payment Gateway and Peer to Peer Lending (P2P) on the increase in MSME income in the city of Palembang. The type of data used is primary data with data sources derived from questionnaires and interviews. The sampling method used in this study is purposive sampling, where the sample in this study is only for the types of MSMEs that are engaged in culinary and fashion in Pakembang. The analysis technique uses validity test, reliability test, normality test, coefficient of determination test (R2) and partial test (t test). Based on the results of the t test and the f test it can be concluded that there is an influence of Payment Gateway and Peer to Peer Lending (P2P) to increase revenue.</span></p><p><span>Keywords: </span><span>Fintech, Revenue, SME</span></p><p><span>ABSTRAK</span></p><p><span>Fintech merupakan inovasi yang muncul di bidang jasa keuangan. Fintech mengubah kebiasaan transaksi keuangan masyarakat. Ada 2 jenis fintech yang sangat popular bagi pelaku UMKM yaitu Payment Gateway dan Peer to Peer Lending (P2P). Penelitian ini bertujuan untuk menganalisis pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan UMKM di kota Palembang. Jenis data yang digunakan adalah data primer dengan sumber data berasal dari kuisioner dan wawancara. Metode penarikan sampel yang digunakan pada penelitian ini yaitu purposive sampling, di mana sampel pada penelitian ini hanya pada jenis UMKM yang bergerak di bidang kuliner dan fashion di Kota Pakembang. Teknik analisis menggunakan uji validitas, uji reliabilitas, uji normalitas, uji koefisien determinasi (R</span><span>2</span><span>) dan uji parsial (uji t). Berdasarkan hasil uji t dan uji f dapat disimpulkan bahwa terdapat pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan.</span></p></div></div><img src="blob:http://ejournal.uigm.ac.id/ea46f45e-78f8-4282-80f3-03240d33a989" alt="page1image60066624" width="89.760000" height="0.480000" /><div class="layoutArea"><div class="column"><p><span>Kata Kunci: </span><span>Fintech, Peningkatan Pendapatan, UMKM</span></p></div></div></div>
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Orientani, Rezki, and Masmira Kurniawati. "Factors Influencing Intention to Use SPayLater in Indonesia." JURNAL MANAJEMEN BISNIS 8, no. 2 (August 18, 2021): 285–94. http://dx.doi.org/10.33096/jmb.v8i2.842.
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Payment instruments are part of technological developments. The existence of this development is utilized by finance companies such as peer-to-peer lending technology. Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-peer lending companies is SPayLater which is a product of Shopee Indonesia and PT. Lentera Dana. This study provides an overview of the effect of perceived ease of use, perceived usefulness, perceived compatibility towards attitude toward using and perceived cost, subjective norm, personal innovativeness on intention to use. This study uses a quantitative method by distributing 250 online questionnaires to Shopee consumers. Data analysis was carried out using SEM and assisted by PLS 3 software. The results of this study indicate that perceived ease of use does not affect attitude toward using SPayLater payment system, perceived cost and personal innovativeness do not affect intention to use the SPayLater payment system, while perceived usefulness, perceived compatibility, attitude toward using and subjective norm affect the intention to use the SPayLater payment system.
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Situru, Agatha Cristy, Syamsu Alam, and Andi Reni. "The Influence of Fintech User’s Attitudes on Selection Through Fintech Users Interest in Millenial Generation of the City of Makassar." Hasanuddin Journal of Business Strategy 2, no. 4 (October 31, 2020): 117–24. http://dx.doi.org/10.26487/hjbs.v2i4.372.
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The research aimed to analyze the influences of the peer to peer lending, risk and investment management, and payment, the users' interests on the fintech type selection. Data were collected through the questionnaire which was processed using the path analysis. The hypothesis test used the simultaneous test (f), partial test (t), and the Sobel test. The result of the analysis indicates that the peer-to-peer lending and payment variables have a significant influence, whereas the risk and investment management variables do not have a significant effect. The path analysis result of the first equation namely the peer-to-peer lending variables has a positive effect, the risk and investment management variable has a positive influence, and the payment variable has a positive effect. The T result in the second equation namely the peer-to-peer lending variable has a positive influence, the risk and investment management variable has a positive effect, the payment variable has a positive influence, and the user’s interests have a positive effect. Sobel’s test result indicates that the users’ interest can mediate the relationship between the peer to peer lending and Fintech type selection, the users’ interests cannot mediate the relationship between the risk and investment management, and Fintech type selection and users’ interests cannot mediate the relationship between the payment and Fintech type selection
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Guang Tan and S. A. Jarvis. "A Payment-Based Incentive and Service Differentiation Scheme for Peer-to-Peer Streaming Broadcast." IEEE Transactions on Parallel and Distributed Systems 19, no. 7 (July 2008): 940–53. http://dx.doi.org/10.1109/tpds.2007.70778.
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Lim, Clement Jun Feng, Byungwan Koh, and Dongwon Lee. "Adoption of Mobile Peer-to-Peer Payment : Enabling Role of Substitution and Social Aspects." Asia Pacific Journal of Information Systems 29, no. 4 (December 31, 2019): 571–90. http://dx.doi.org/10.14329/apjis.2019.29.4.571.
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Mainetti, Luca, Luigi Patrono, and Roberto Vergallo. "IDA-Pay: a secure and efficient micro-payment system based on Peer-to-Peer NFC technology for Android mobile devices." Journal of Communications Software and Systems 8, no. 4 (December 21, 2012): 117. http://dx.doi.org/10.24138/jcomss.v8i4.166.
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The evolution of modern mobile devices towards novel Radio Frequency (RF) capabilities, such as Near Field Communication, leads to a potential for delivering innovative mobile services, which is still partially unexplored. Mobile proximity payment systems are going to enhance the daily shopping experience, but the access to payment security resources of a mobile device (e.g. the “Secure Element”) by third party applications is still blocked by smartphone and Operating System manufacturers. In this paper, the IDA-Pay system is presented, an innovative and secure NFC micro-payment system based on Peer-to-Peer NFC operating mode for Android mobile phones. It allows to deliver mobile-to-POS micro-payment services, bypassing the need for special hardware. A validation scenario and a system evaluation are also reported to demonstrate the system effectiveness and performance.
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Piyoungkorn, Kajornsak, Siriboon Chaisawat, and Chalee Vorakulpipat. "Trusted Electronic Contract for Enabling Peer-to-Peer HPC Resource Sharing." Applied Sciences 12, no. 10 (May 20, 2022): 5153. http://dx.doi.org/10.3390/app12105153.
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With the growing need for HPC resource usage in Thailand, this study aims to foster the creation of an HPC resource sharing ecosystem based on available in-house computing infrastructure. The model of computing resource sharing based on blockchain technology is presented for bridging communication between multiple clusters of HPC systems. The use of blockchain technology allows states among HPC systems to be synchronized and extends capabilities in enforcing governing rules. A smart contract was deployed on the blockchain network to enable users to request computing resources. Upon a request being made, a matching scheme performs the automatic selection of a suitable cluster based on current cluster utilization data and distance from users. Since users and clusters are anonymized from each other, a trusted payment scheme and permission access control are presented to assure both parties. As the system leverages off-chined and on-chained data exchange to carry out the operation, the secure gateway is proposed to mitigate technical difficulty from the client’s perspective and ensure information is securely flowing to and from legitimate actors. The result of this work ensures HPC service providers can maximize the utilization of their resources and monetize idle computing time, while users can access demanded resources conveniently and pay at a reasonable price.
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Stern, Caroline, Mikko Makinen, and Zongxin Qian. "FinTechs in China – with a special focus on peer to peer lending." Journal of Chinese Economic and Foreign Trade Studies 10, no. 3 (October 2, 2017): 215–28. http://dx.doi.org/10.1108/jcefts-06-2017-0015.
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Purpose China is a country with the most number of operating peer-to-peer (P2P) lending platforms (approximately 2,000) worldwide. This study aims to provide an overview on FinTechs in China. It was examined why payment services and P2P lending are so popular in China and what are the determinants for the emergence of P2P lending platforms in different provinces in China. Design/methodology/approach This study conducted a descriptive analysis of P2P lending in China and an empirical analysis of determinants of P2P lending in China. Findings This descriptive analysis shows that the surge in the number of the P2P platforms in China follows an inverted U-shaped phenomenon. However, the outstanding balances of P2P lenders is still increasing, while average yields of P2P lenders have sharply plunged. The empirical findings indicate that P2P lending is more extensive in the region with more mobile phone subscriptions; outstanding balance of P2P lenders in region is negatively associated with the size of traditional banking sector; and the number of the P2P platforms in negatively related to the fixed assets investments in region, whereas average yield is positively associated with the fixed assets investments. Originality/value Currently, almost no research papers with empirical analysis of FinTechs, especially P2P lenders, exist. This study estimates a simple model to find determinants of P2P lending.
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Agha, Leila, and Dan Zeltzer. "Drug Diffusion through Peer Networks: The Influence of Industry Payments." American Economic Journal: Economic Policy 14, no. 2 (May 1, 2022): 1–33. http://dx.doi.org/10.1257/pol.20200044.
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Pharmaceutical companies market to physicians through individual detailing accompanied by monetary or in-kind transfers. Large compensation payments to a small number of physicians account for most of this promotional spending. Studying US promotional payments and prescriptions for anticoagulant drugs, we investigate how peer influence broadens the payments’ reach. Following a compensation payment, prescriptions for the marketed drug increase from both the paid physician and the paid physician’s peers. Payments increase prescriptions to both recommended and contraindicated patients. Over three years, marketed anticoagulant prescriptions rose 23 percent due to payments, with peer spillovers contributing a quarter of the increase. (JEL I11, L65, M31, M37, O33)
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NIKAM, RAHUL JAIRAM. "Peer to Peer Restricted Distributed Ledger Technological (P2PRDLT) Arrangement - A Proposed Model in Indian Payment System." Productivity 61, no. 1 (September 30, 2020): 60–66. http://dx.doi.org/10.32381/prod.2020.61.01.6.
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Hakke, Harshad, Abhishek Bharati, Akshay Ranit, and S. R. Khonde. "Blockchain Based Payment Method for Secure Transactions." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (December 31, 2022): 835–40. http://dx.doi.org/10.22214/ijraset.2022.48008.
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Abstract: Blockchain is a type of distributed ledger that sits on the internet for recording transaction and maintaining a permanent and verifiable record-set of information. Token was created to reduce the government's control over cross-border transactions and to speed up the transaction process by removing the need for third-party intermediaries, Blockchain, on the other hand, provides a secure environment that token needs for peer-to-peer transactions. In other words, blockchain acts as bitcoin's ledger and maintains all the transactions of token. Token has a high degree of anonymity. Though the transactions are visible, it is close to impossible to identify the user. It is the purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution. Digital signatures provide part of the solution, but the main benefits are lost if a trusted third party is still required to prevent double spending or high security. We propose a solution to the double-spending problem
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Manan, Yulianti. "Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akslerasi Pertumbuhan UMKM 3.0." Ihtifaz: Journal of Islamic Economics, Finance, and Banking 2, no. 1 (June 24, 2019): 73. http://dx.doi.org/10.12928/ijiefb.v2i1.847.
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The MSMEs (Micro, Small and Medium Enterprises) mentioned by the government as the backbone of the Indonesian economy are also still many that have not been touched by financial services or are unbankable. Currently in line with the development of information technology in financial services, the Fintech P2P lending ecosystem and payment gateways are growing rapidly and become one of the cash less payment options, an alternative option for new types of financing due to multi-advantages; fast, collateral-free and technology-based process which is a culture of supporting MSME generation to 3.0. The Fintech P2P Lending and Payment gateway business that is oriented towards IT Base financial reporting still requires a risk management and governance system to reduce and minimize the risk of fraud, bankruptcy, default and other risks. The purpose of this research is to analyze and study innovative solutions to the Fintech business model platform related to protection system management by establishing a central and strategic role between the regulator and Fintech providers. This research uses descriptive research design by using GAP Analysis to research and develop and collaborate on innovation, especially in Fintech business operating systems.
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Subagiyo, Dwi Tatak. "Characteristics of Financial Technology as Financing Alternative Capitalization of Medium Small-Medium Enterprises (MSME)." Fiat Justisia: Jurnal Ilmu Hukum 15, no. 2 (April 7, 2021): 133–58. http://dx.doi.org/10.25041/fiatjustisia.v15no2.1933.
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Characteristics of Financial Technology as a Financial Institution that uses information technology to provide financial solutions by prioritizing compliance with the principles of prudence and risk management. The characteristics of Financial Technology institutions are getting a loan quickly; Makes Payment Easier; Make Loan Payments without Additional Fees. Peer to Peer Lending (P2P lending) system in providing financial services is done through information technology based. The financial services institution Peer to Peer Lending (P2P Lending) is a financial technology financial institution (Fintech). Financial Technology (Fintech) as a Literacy Source for Financing Micro, Small and Medium Enterprises; Financial Technology (Fintech) As a Facilitator in MSME Development; Financial Tecnology (Fintech) as a driver for Micro, Small and Medium Enterprises to Increase National Financial Inclusion. The Role of the Financial Services Authority (OJK) and the Indonesian Joint Funding Fintech Association (AFPI) As Regulations and Oversight of Financial Technology Institutions (Fintech) in Indonesia.
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Bonaccorsi, Andrea. "Towards peer review as a group engagement." JLIS.it 14, no. 1 (December 19, 2022): 46–59. http://dx.doi.org/10.36253/jlis.it-511.
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I discuss from an economic perspective two of the most recent suggestions to reform the peer review system: (a) payment to referees; (b) ex post peer review. I show that strong economic arguments militate against these ideas.
With respect to payment to referees I use results from the economic analysis of prosocial behavior and the private production of public goods, which show that the supply of monetary incentives has the paradoxical effect of reducing the willingness of agents to collaborate, insofar as they substitute intrincic motivation with extrinsic motivation.
With respect to ex post peer review, I show that it fails to offer sufficient incentives to researchers, since it is anonymous, depersonalized, and weak in its marginal impact on publishing decisions. I take this argument to criticize the lack of theorizing, in the side of radical proponents of Open access, about the conditions for transition from the subscription model to the Open model. It is this lack of critical attention to economic arguments that has led to the unintended but dramatic outcome of a net increase in the cost of scientific publishing, as documented in very recent papers.
Finally, I advance a proposal for admitting payments to referees, but not as individuals but as groups of researchers. I offer this idea to open discussion.
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Al-Haija, Qasem Abu, and Abdulaziz A. Alsulami. "High Performance Classification Model to Identify Ransomware Payments for Heterogeneous Bitcoin Networks." Electronics 10, no. 17 (August 31, 2021): 2113. http://dx.doi.org/10.3390/electronics10172113.
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The Bitcoin cryptocurrency is a worldwide prevalent virtualized digital currency conceptualized in 2008 as a distributed transactions system. Bitcoin transactions make use of peer-to-peer network nodes without a third-party intermediary, and the transactions can be verified by the node. Although Bitcoin networks have exhibited high efficiency in the financial transaction systems, their payment transactions are vulnerable to several ransomware attacks. For that reason, investigators have been working on developing ransomware payment identification techniques for bitcoin transactions’ networks to prevent such harmful cyberattacks. In this paper, we propose a high performance Bitcoin transaction predictive system that investigates the Bitcoin payment transactions to learn data patterns that can recognize and classify ransomware payments for heterogeneous bitcoin networks. Specifically, our system makes use of two supervised machine learning methods to learn the distinguishing patterns in Bitcoin payment transactions, namely, shallow neural networks (SNN) and optimizable decision trees (ODT). To validate the effectiveness of our solution approach, we evaluate our machine learning based predictive models on a recent Bitcoin transactions dataset in terms of classification accuracy as a key performance indicator and other key evaluation metrics such as the confusion matrix, positive predictive value, true positive rate, and the corresponding prediction errors. As a result, our superlative experimental result was registered to the model-based decision trees scoring 99.9% and 99.4% classification detection (two-class classifier) and accuracy (multiclass classifier), respectively. Hence, the obtained model accuracy results are superior as they surpassed many state-of-the-art models developed to identify ransomware payments in bitcoin transactions.
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Simser, Jeffrey. "Bitcoin and modern alchemy: in code we trust." Journal of Financial Crime 22, no. 2 (May 5, 2015): 156–69. http://dx.doi.org/10.1108/jfc-11-2013-0067.
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Purpose – This paper aims to explore the challenge posed by Bitcoin to regulators, particularly anti-money laundering regulators. Bitcoin is a crypto-currency based on open-source software and protocols that operates in peer-to-peer networks as a private irreversible payment mechanism. The protocol allows cross-border payments, for large and small items, with little or no transactional costs. Design/methodology/approach – Case studies and case law are examined as are relevant reports by regulators. Findings – Bitcoin is based on complex computer code supported by a robust community in a peer-to-peer network. Unlike other virtual currencies, Bitcoin appears to have obtained purchase and as such poses unique challenges to regulators. Research limitations/implications – Bitcoin is at a nascent stage and the evolution of the virtual currency is difficult to predict. Practical implications – Those who study financial systems, anti-money laundering regimes and asset forfeiture laws will have an interest in this topic. Originality/value – This is a new and emerging currency; there is limited literature on the implications of this currency to anti-money laundering systems.
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Ghosh, Shirsha, Alak Majumder, Joyeeta Goswami, Abhishek Kumar, Saraju P. Mohanty, and Bidyut K. Bhattacharyya. "Swing-Pay: One Card Meets All User Payment and Identity Needs: A Digital Card Module using NFC and Biometric Authentication for Peer-to-Peer Payment." IEEE Consumer Electronics Magazine 6, no. 1 (January 2017): 82–93. http://dx.doi.org/10.1109/mce.2016.2614522.
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Yuneline, Mirza Hedismarlina. "EDUKASI PEER-TO-PEER LENDING SYARIAH SEBAGAI ALTERNATIF PERMODALAN BAGI USAHA MIKRO KECIL DAN MENENGAH DESA CIWALEN PANJALU." Jurnal Berdaya Mandiri 4, no. 1 (February 26, 2022): 820–33. http://dx.doi.org/10.31316/jbm.v4i1.1767.
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The condition of the Covid-19 pandemic is also a condition in which MSMEs start to use financial technology for their operational interests. Since 2016, the user of payment-based-fintech are 38%, while those who access deposits, lending, and capital raising-based-fintech are 31%. However, the increase is not accompanied by a good level of financial literacy education. There is a technology gap between urban and rural communities and also between users at a young age and over 35 years. The solution to the problem offered is by providing technology literacy education by introducing the financial technology industry to rural communities, especially for MSMEs in Ciwalen Panjalu Village. The purpose of this community service is introducing the importance of capital in business, fintech operational, educating of financial literacy and demonstrating to the MSMEs on the Sharia Peer-to-Peer Lending platform. The method of implementation starts with a needs analysis, the initial questionnaire, core activities, the final questionnaire, and the evaluation.
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Salvasani, Alifia, and Munawar Kholil. "Penanganan TerhadaP Financial Technology Peer-To-Peer lending Ilegal MelaluI OTOrITas Jasa Keuangan (studi Pada OJK Jakarta Pusat)." Jurnal Privat Law 8, no. 2 (December 2, 2020): 252. http://dx.doi.org/10.20961/privat.v8i2.48417.
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<p>abstract<br />This article aims to examine the role of Otoritas Jasa Keuangan (OJK) in handling illegal peer-to-peer (P2P) financial technology (fintech) in Indonesia. This role includes the handling carried out by the FSA to minimize the number of illegal fintech in Indonesia, both through supervision and arrangements related to illegal fintech. This type of empirical legal research, is descriptive, with primary data types. Literature study and interview data collection techniques, qualitative analysis techniques. Factors causing the rise of illegal fintech are normative and non-normative factors. Then the role of the OJK in making efforts to handle illegal P2P lending includes establishing Satgas Waspada Investasi, listing registered P2P lending and licensed on the official OJK website, socializing to the public about the characteristics of illegal P2P lending that must be avoided and data of illegal P2P lending in Indonesia, closing illegal P2P lending, blocking applications and illegal P2P lending websites on a regular basis, conducting selective checks on P2P lending companies that propose opening new accounts, applying special rules for P2P lending companies related to the fintech payment system , and submit information reports to the Criminal Investigation Police regarding cyber crime.<br />Keywords: Otoritas Jasa Keuangan; Illegal Fintech; Peer-to-Peer</p><p>abstrak<br />Artikel ini bertujuan untuk mengkaji peranan Otoritas Jasa Keuangan (OJK) dalam menangani financial technology (fintech) peer-to-peer (P2P) lending ilegal di Indonesia. Peranan tersebut meliputi penanganan yang dilakukan OJK untuk meminimalisir jumlah fintech ilegal di Indonesia, baik melalui pengawasan maupun pengaturan terkait fintech ilegal. Jenis penelitian hukum empiris, bersifat deskriptif, dengan jenis data primer. Teknik pengumpulan data studi kepustakaan dan wawancara, teknik analisis kualitatif. Faktor penyebab tumbuh maraknya fintech ilegal adalah adanya faktor normatif dan non-normatif. Kemudian peranan OJK dalam melakukan upaya penanganan P2P lending ilegal antara lain dengan membentuk Satgas Waspada Investasi, mencantumkan daftar P2P lending yang terdaftar dan berizin di website resmi OJK, mensosialisasikan kepada masyarakat terkait ciri-ciri P2P lending ilegal yang harus dihindari dan data P2P lending ilegal di Indonesia, melakukan penutupan terhadap P2P lending ilegal, pemblokiran aplikasi dan website P2P lending ilegal secara rutin, melakukan pemeriksaan secara selektif bagi perusahaan P2P lending yang mengajukan pembukaan rekening baru, memberlakukan aturan khusus bagi perusahaan P2P lending terkait fintech payment system, dan menyampaikan laporan informasi kepada Bareskrim Polri terkait tindakan cyber crime.<br />Kata Kunci: Otoritas Jasa Keuangan; Fintech Ilegal; Peer-to-Peer Lending</p>
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Lestari, Deka Anggun, Endah Dewi Purnamasari, and Budi Setiawan. "Pengaruh Payment Gateway terhadap Kinerja Keuangan UMKM." Jurnal Bisnis, Manajemen, dan Ekonomi 1, no. 1 (September 5, 2020): 1–10. http://dx.doi.org/10.47747/jbme.v1i1.20.
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Financial Technology (Fintech) is a combination of technology and financial services. There are several types of fintech, including Peer to Peer Lending, Risk and Investment Management, Market Aggregator, Payment, Clearing and Settlement, which changes an old innovation with digital technology. One widely used fintech is Payment Gateways such as OVO and Go-Pay, which encourage cashless society. One indicator that is implemented to measure Payment Gateway's financial performance is sales revenue. This study aims to examine the effect of Payment Gateway on the Financial Performance of Small Medium Enterprises (SMEs) in Palembang Indah Mall. Data were collected through questionnaires involving 53 respondents by using normality test, validity test, reliability test, coefficient of determination, and t-test. The result of the t-test and the coefficient of the determination indicates that the Payment Gateway variable significantly influences the financial performance of SMEs measured by sales revenue.
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Ojugo, Arnold Adimabua, and Oghenevwede Debby Otakore. "Intelligent Peer-To-Peer Banking Framework: Advancing The Frontiers of Agent Banking For Financial Inclusion In Nigeria Via Smartphones." Quantitative Economics and Management Studies 1, no. 5 (August 22, 2020): 300–311. http://dx.doi.org/10.35877/454ri.qems140.
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The advent of the retail point of sale (POS) system as a critical component of the traditional retail infrastructure seeks to advance client payment-ease for goods and services rendered by vendors as well as the effective collection of funds by the vendor. It also aids the vendor to collect in advance monies that the client may wish to spend later on goods and services. Thus, the POS has since become a necessity in modern retail stores as its increased usage has seen a transformation from a single machine to a cloud and smart platforms. Our study seeks to model a conceptual framework for decentralized POS as adapted to smartphones. This will enhance cashless transaction irrespective of a customer’s location globally and locally. Built around the block-chain technology, it seeks to minimize challenge(s) of time, installation requirements incurred with the adoption of automatic teller machine (ATM), location and citing of agent-banking in a rural area with low tele- and tech-penetration.
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Ojugo, Arnold Adimabua, and Oghenevwede Debby Otakore. "Intelligent Peer-To-Peer Banking Framework: Advancing The Frontiers of Agent Banking For Financial Inclusion In Nigeria Via Smartphones." Quantitative Economics and Management Studies 1, no. 5 (August 22, 2020): 300–311. http://dx.doi.org/10.35877/454ri.qems140.
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The advent of the retail point of sale (POS) system as a critical component of the traditional retail infrastructure seeks to advance client payment-ease for goods and services rendered by vendors as well as the effective collection of funds by the vendor. It also aids the vendor to collect in advance monies that the client may wish to spend later on goods and services. Thus, the POS has since become a necessity in modern retail stores as its increased usage has seen a transformation from a single machine to a cloud and smart platforms. Our study seeks to model a conceptual framework for decentralized POS as adapted to smartphones. This will enhance cashless transaction irrespective of a customer’s location globally and locally. Built around the block-chain technology, it seeks to minimize challenge(s) of time, installation requirements incurred with the adoption of automatic teller machine (ATM), location and citing of agent-banking in a rural area with low tele- and tech-penetration.
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Lu, Baile, Shuai Hao, Michael Pinedo, and Yuqian Xu. "Frontiers in Service Science: Fintech Operations—An Overview of Recent Developments and Future Research Directions." Service Science 13, no. 1 (March 2021): 19–35. http://dx.doi.org/10.1287/serv.2021.0270.
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In this paper, we provide a survey of recent developments in the fintech (financial technology) industry, focusing on the operational structures, the technologies involved, and the operational risks associated with the new systems. In particular, we discuss payment systems, algorithmic trading, robo-advisory, crowdfunding, and peer-to-peer lending. In the conclusion section, we discuss various promising research directions.
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Pradhan, Nihar Ranjan, Akhilendra Pratap Singh, S. V. Sudha, K. Hemanth Kumar Reddy, and Diptendu Sinha Roy. "Performance Evaluation and Cyberattack Mitigation in a Blockchain-Enabled Peer-to-Peer Energy Trading Framework." Sensors 23, no. 2 (January 6, 2023): 670. http://dx.doi.org/10.3390/s23020670.
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With the electric power grid experiencing a rapid shift to the smart grid paradigm over a deregulated energy market, Internet of Things (IoT)-based solutions are gaining prominence, and innovative peer-to-peer (P2P) energy trading at a micro level is being deployed. Such advancement, however, leaves traditional security models vulnerable and paves the path for blockchain, a distributed ledger technology (DLT), with its decentralized, open, and transparency characteristics as a viable alternative. However, due to deregulation in energy trading markets, most of the prototype resilience regarding cybersecurity attack, performance and scalability of transaction broadcasting, and its direct impact on overall performances and attacks are required to be supported, which becomes a performance bottleneck with existing blockchain solutions such as Hyperledger, Ethereum, and so on. In this paper, we design a novel permissioned Corda framework for P2P energy trading peers that not only mitigates a new class of cyberattacks, i.e., delay trading (or discard), but also disseminates the transactions in a optimized propagation time, resulting in a fair transaction distribution. Sharing transactions in a permissioned R3 Corda blockchain framework is handled by the Advanced Message Queuing Protocol (AMQP) and transport layer security (TLS). The unique contribution of this paper lies in the use of an optimized CPU and JVM heap memory scenario analysis with P2P metric in addition to a far more realistic multihosted testbed for the performance analysis. The average latencies measured are 22 ms and 51 ms for sending and receiving messages. We compare the throughput by varying different types of flow such as energy request, request + pay, transfer, multiple notary, sender, receiver, and single notary. In the proposed framework, request is an energy asset that is based on payment state and contract in the P2P energy trading module, so in request flow, only one node with no notary appears on the vault of the node.Energy request + pay flow interaction deals with two nodes, such as producer and consumer, to deal with request and transfer of asset ownership with the help of a notary. Request + repeated pay flow request, on node A and repeatedly transfers a fraction of energy asset state to another node, B, through a notary.
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Aas, Kjersti, and Hanne Rognebakke. "The evolution of a mobile payment solution network." Network Science 7, no. 3 (April 17, 2019): 422–37. http://dx.doi.org/10.1017/nws.2019.5.
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AbstractVipps is a peer-to-peer mobile payment solution launched by Norway’s largest financial services group DNB. The Vipps transaction data may be viewed as a graph with users corresponding to the nodes, and the financial transactions between the users defining the edges. We have followed the evolution of this graph from May 2015 to September 2016. This is a unique data set, as information about transactions of individuals is usually not available for research. In this paper, we use an advanced statistical model where preferential attachment is combined with fitness. We show that the intrinsic quality of the nodes in the Vipps network plays an important part in the evolution of the network. This insight may, e.g., be used to identify influential nodes for viral marketing.
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Yu, Liying, Zixuan Chen, Pinbo Yao, and Hongda Liu. "A Study on the Factors Influencing Users’ Online Knowledge Paying-Behavior Based on the UTAUT Model." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 5 (June 3, 2021): 1768–90. http://dx.doi.org/10.3390/jtaer16050099.
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With the explosive growth of information and the increase of people’s fragmented time, the knowledge payment industry’s market size is growing. However, the heterogeneity between online knowledge payment behavior and traditional consumption gradually comes to the fore. It is of great practical significance to analyze the factors influencing users’ online knowledge payment behavior and clarify users’ online knowledge payment mechanism. Based on UTAUT theory, this study uses statistics, structural equation modeling, and mediating effect analysis to construct a theoretical model of the influencing factors of users’ payment behavior of knowledge payment platform from the user level, knowledge-provider level, and platform level. The findings show that content quality, peer influence, KOL influence, perceived interaction, effort expectation, and perceived trust significantly affect users’ willingness-to-pay and have an indirect effect on users’ paying behavior through their willingness-to-pay. Perceived cost, perceived interaction, content quality, peer influence, performance expectation, and effort expectation directly and significantly affect user paying behavior. By regulating the above elements, the improvement of customer attraction ability of online knowledge platforms can be realized.
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Kang, Andrew. "Bitcoin's Growing Pains: Intermediation and the Need for an Effective Loss Allocation Mechanism." Michigan Business & Entrepreneurial Law Review, no. 6.2 (2017): 263. http://dx.doi.org/10.36639/mbelr.6.2.bitcoins.
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This paper examines a phenomenon largely overlooked in existing literature: as Bitcoin matures into a mainstream consumer payments system with the rise of intermediation and hosted wallet services, it is slowly transforming from a purely decentralized peer-to-peer currency into something that (ironically) more closely resembles the bank-intermediated payment systems of the past. This paper explains how this transformation creates complicated issues of loss allocation not anticipated by Bitcoin’s founder. Further, it argues for the need of an effective legal mechanism to efficiently and fairly allocate losses between intermediaries and users. The first section of this paper will explain how Bitcoin transactions work when users manage their own personal wallets, describing both the transaction mechanics and risks of loss. Then, it will explain how hosted wallet services have changed these mechanics and risks, as well as why a set of loss allocation rules is necessary. Finally, the paper will recommend a set of loss allocation rules based on the policy rationales that drive rules under other existing payment systems law.
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Zhao-Ping Peng, Zhao-Ping Peng, Mao-Lun Chiang Zhao-Ping Peng, Iuon-Chang Lin Mao-Lun Chiang, Chou-Chen Yang Iuon-Chang Lin, and Min-Shiang Hwang Chou-Chen Yang. "CBP2P: Cooperative Electronic Bank Payment Systems Based on Blockchain Technology." 網際網路技術學刊 23, no. 4 (July 2022): 683–92. http://dx.doi.org/10.53106/160792642022072304004.
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<p>The most common consumer behavior was to pay in cash at a physical store in the past. However, with the rapid development and popularization of smart handheld devices and computers, merchants have had many innovative business models in recent years. For example, the digital cryptocurrency Bitcoin has the advantages of decentralization, anonymity, and the inability to tamper with data. If these benefits are combined with the current electronic payment financial operation model, they will be highly innovative. However, blockchain technologies have been applied to decentralized network architectures. As a result, the financial system will face anonymous crime, extensive data synchronization, and time-consuming transaction processes. This paper implements a P2P electronic payment system with a hierarchical structure based on the blockchain architecture, called CBP2P (Cooperative Bank Peer-to-Peer), to improve the defects and realize an accurate electronic payment system. Through the characteristics of the blockchain and cooperation between banks, we will enhance the security and availability of the system.</p> <p> </p>
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Valente, Andrea, and David Atkinson. "Can Bitcoin be the Future of Digital Payments?" Journal of Business and Economics 10, no. 6 (June 20, 2019): 489–500. http://dx.doi.org/10.15341/jbe(2155-7950)/06.10.2019/001.
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This study aimed to investigate the conditions in which Bitcoin has developed as a leading cryptocurrency and, according to Nakamoto (2008), could become an instrument for everyday payments around the world. In comparison to other digital payment solutions, Bitcoin is based on a peer-to-peer electronic cash system using “the blockchain”. This innovative technology allows for decentralised storage and movement of currency in a fully anonymous way, introducing advantageous methods for encrypted security and faster transactions (Hagiu & Beach, 2014). Scepticism regards Bitcoin’s foundation, energy consumption and price volatility, however, did not take long to arise (Holthaus, 2017). Ten years from its white paper release, Bitcoin is further supported by the same drivers which could sustain its growth as the future of digital payments (Russo, 2018). In order to investigate the key drivers and feasibility of acceptance, a London based survey was used to understand the desirability of Bitcoin as a day-to-day tool for digital payments. Additionally, this research analysed Bitcoin’s stakeholders and forecast drivers of sustainability for its application to become the future of the payment industry. A space which relies on policies that involve multiple layers of society, governments, regulators and tech-firms, all on a global scale. The findings confirmed how the increasing lack of trust of political and financial institutions, coupled with the increasing cases of data-breaches by tech-firms, encouraged over 70% of respondents to consider more decentralised and anonymous methods for their day-to-day actions; like payments. Policy makers need to cope with societies increasingly separating politically but gathering together digitally (LBS, 2017). For Bitcoin to truly establish itself as a global digital payment solution, key stakeholder acceptance must converge alongside the introduction of more robust regulation.
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Nasari, Miranda Selvy. "Perlindungan Hukum Bagi Penyedia Jasa Pembiayaan Berbasiskan Elektronik (Peer to peer Landing) Dalam Peraturan OJK NO.77/OJK/01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi." SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL 11, no. 1 (April 4, 2022): 53–67. http://dx.doi.org/10.36526/sosioedukasi.v11i1.1885.
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This study aims to analyze the Legal Protection for Electronic-Based Financing Service Providers (Peer to Peer Landing) in OJK Regulation No.77/Ojk/01/2016 concerning Information Technology-Based Borrowing-Lending Services. The type of research used is a type of research that includes normative legal research. This type of research approach is an approach through legislation (statute approach) and a conceptual approach (conceptual approach). which focuses on the provisions of the legislation that has been enacted. Sources of data obtained from this study based on primary legal sources, secondary data sources and tertiary data sources obtained based on library materials. The results of the study indicate that the Financial Services Authority plays a role in carrying out the regulatory function in protecting peer to peer lending users, specifically regulated regarding peer to peer lending in the Financial Services Authority Regulation Number 77 of 2016 Article 1 Number 3 concerning Information Technology-Based Lending and Borrowing Services ( POJK LPMUBTI). As referred to in decision No.267 NO.267/Pdt.G/2020/PN Bdg that the defendant Budi Santosa made a loan via application/online to PT one stop financially for a year with a loan of Rp.40,000,000 with a payment tenor of one year.
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de Blanes Sebastián, María García, Arta Antonovica, and José Ramón Sarmiento Guede. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model." Technological Forecasting and Social Change 187 (February 2023): 122235. http://dx.doi.org/10.1016/j.techfore.2022.122235.
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Zhang, Yanjun. "Research on Multiparty Payment Technology Based on Blockchain and Smart Contract Mechanism." Journal of Mathematics 2022 (February 21, 2022): 1–14. http://dx.doi.org/10.1155/2022/3434954.
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As a peer-to-peer “P2P” distributed ledger, the blockchain has the advantages of decentralization, no trust, open autonomy, and nontampering. Therefore, many users are willing to conduct transactions in blockchain cryptocurrency systems such as Bitcoin and Ethereum. However, the throughput of traditional blockchain is extremely low, and the transaction is so delayed. The payment channel network is the most promising solution to expand the blockchain for widespread use. Achieving secure instant payment on the payment channel can significantly increase transaction throughput and reduce transaction delays. When the payment channel is closed, the balance in the channel will be returned to an account on the blockchain. In this paper, we discuss the design and the implementation of a multiparty payment channel network based on smart contracts. Where a two-party payment channel is designed based on blockchain and smart contracts, a new multiparty payment channel is established on the basis of the payment channel. A detailed definition and description are given, and the creation, update, and closing functions of the multiparty payment channel are designed. Moreover, we design a multiparty payment channel smart contract, deploy it to the local private blockchain, and conduct simulation and testing. The delay time of different transaction methods is counted, and the network topology type, transaction amount, and other factors are studied. The impact of transaction success rate and the gas consumption of different transaction methods are analyzed through multiple sets of experimental statistics.
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Anute, Nilesh, Gaurav Tyagi, and Hrishikesh Jagadale. "A study on digital payment applications in India." Journal of Management Research and Analysis 9, no. 3 (August 15, 2022): 150–56. http://dx.doi.org/10.18231/j.jmra.2022.028.
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This Research Paper is based on the in-depth study of applications that deals with Unified Payment Interface (UPI) in India. It shows how the dynamics are changing in the UPI sector and which companies are leading the table. The study was conducted in Pune Region and the survey was done with the help of questionnaire. A response of 82 respondents has been collected and then accordingly a conclusion is made. The Data for the study was also conducted from secondary sources which eventually helped us to get a fair understanding of the Industry. In today’s world one word is common that is “Digitalisation” and it is also gaining popularity due to increase in use of Smartphone by the people, the same has applied to the financial sector. In India, the Unified Payment Interface (UPI) was launched in the year 2016 by National Payments Corporation of India (NPCI). UPI is a payment server which allows its users to transfer the money on real-time basis from Peer-to-Peer (P2P) or from Personto-Merchant (P2M). It is an application that allows the users to use multiple bank accounts in single application. UPI has become so popular in India, also around world due to its ease of use, security, real-time alerts, etc. In India, UPI is currently in a growth stage and showing a robust growth year-onyear. In this research we will have an in-depth study on 5 major UPI apps in India namely GooglePay, PhonePe, Amazon Pay, Paytm and BHIM.
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Mensah, Isaac Kofi, and Deborah Simon Mwakapesa. "The Drivers of the Behavioral Adoption Intention of BITCOIN Payment from the Perspective of Chinese Citizens." Security and Communication Networks 2022 (May 2, 2022): 1–17. http://dx.doi.org/10.1155/2022/7373658.
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The bitcoin payment innovation has gained wider interest around the world, but its adoption among the general population has been a challenge. Bitcoin as a peer-to-peer technology works with no central authority or banks, and the transaction management and issuing of bitcoin is carried out collectively by the network. One major debate on bitcoin development and diffusion is the critical matter of nongovernment intervention through adequate policy and regulatory framework and thus hinders people’s active participation (acceptance) in the bitcoin market. Consequently, this study is purposed to examine the role government policy and regulations (moderating impact) can have in driving the acceptance of bitcoin payment from the Chinese perspective. The UTAUT was used as the theoretical basis from which a model was developed for testing. The structural equation model (SEM) through the use of SmartPLS was employed to undertake the analysis. The results have demonstrated that government regulation moderates (significant) the influence of both performance expectancy and infrastructure support on the behavioral acceptance of bitcoin payment. However, government regulation contrary to expectations was not significant in moderating the influence of effort expectancy (EE) and security on the acceptance of bitcoin payments. Additionally, the study discovered that performance expectancy, security, EE, and infrastructure support were significant in encouraging bitcoin behavioral adoption. The practical and theoretical implications of these findings on the development and diffusion of bitcoin technology systems are dissected meticulously.
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Sand-Jecklin, Kari, and Stacy Huber. "Peer tutoring in nursing: Quantitative evaluation of a formalized undergraduate tutoring program." Journal of Nursing Education and Practice 10, no. 2 (November 10, 2019): 55. http://dx.doi.org/10.5430/jnep.v10n2p55.
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Background and objective: Based on the limited literature, a formalized peer tutoring program was developed at the study institution’s School of Nursing to promote the success of academically at-risk students. The evaluation process was designed to guide program improvement as well as to contribute to the available literature related to peer tutoring in programs of nursing. The purpose of this study was to formally evaluate a newly developed formalized peer tutoring program for undergraduate nursing students, to inform other undergraduate nursing programs considering implementing a peer tutoring program.Methods: The peer tutoring program was evaluated using parallel post-experience surveys for tutors and tutees. Participants also completed a Learning and Studying Strategies Questionnaire, to determine if strategy use differed between the two groups.Results: There were no statistically significant differences in learning/studying strategies used by tutors and tutees, with both being predominantly superficial strategies. Tutors and tutees evaluated the tutoring program overwhelmingly positively. A few students did make suggestions for improvements in the payment system and suggested making tutoring more widely available.Conclusions: The formalized peer tutoring program is a valuable asset in promoting the academic success of undergraduate nursing students. Minor changes to the program have been made according to student suggestions.
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Millum, Joseph, and Michael Garnett. "Response to Open Peer Commentaries on “How Payment for Research Participation Can Be Coercive”." American Journal of Bioethics 20, no. 8 (August 2, 2020): W8—W11. http://dx.doi.org/10.1080/15265161.2020.1777351.
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Gaber, Tarek, and Ning Zhang. "A License Revocation Protocol Supporting Digital License Reselling in a Consumer-to-Consumer Model." International Journal of Online Marketing 2, no. 1 (January 2012): 38–49. http://dx.doi.org/10.4018/ijom.2012010104.
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Digital Rights Management (DRM) is an important technology supporting e-commerce systems and online marketing, enabling content owners and market intermediaries to securely manage and deliver digital content. In addition, P2P (peer-to-peer) networks play a pro-motive role in e-commerce. However, it facilitates illegal access to copyrighted media which may cause a violation of content owners’ rights. P2P could support legal digital content transfer—reselling digital content. One peer (a reseller) could use P2P technology to send a digital content and its license to another peer (a buyer). A reseller could continue to resell it many times, causing content owners to lose revenue. This paper presents a License Revocation Protocol (LRP) to support reselling of a digital license. This LRP protocol enables a license issuer, representing a content owner, to confirm that once a reseller has resold his license, the reseller cannot continue to use the license. With LRP protocol, a reseller does not get the license payment until he revokes his resold license. The LRP protocol does not make use of any additional trusted hardware device, thus making the protocol more cost-effective.
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Bipin Paudel and Rajesh Kaji Kayastha. "A Study on the Effectiveness of Payment Service Providers with its Future Prospects: A Case Study among the users in Kathmandu Valley." International Journal of Engineering and Management Research 12, no. 4 (August 31, 2022): 114–24. http://dx.doi.org/10.31033/ijemr.12.4.15.
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This main objective of the study was to analyze the effectiveness of Payment Service Providers (PSPs) and examine the challenges to PSPs in Nepal with entrance of PSOs with Open Innovation such as Unified Payment Interface (UPI) and its future prospects among the users in Kathmandu valley (includes 3 districts: Kathmandu, Lalitpur, and Bhaktapur), Nepal. The research design was descriptive and analytical type; the research is based on mixed approach having both qualitative and quantitative data. Survey was conducted with total of 435 respondents, 405 respondents were selected using non random sampling for questionnaire. The collection of primary data were through unstructured interviews and structured questionnaire. The data was analyzed using the descriptive statistics and the regression technique. The results of statistics showed that there is rising trends and adoption of PSPs among the users in Kathmandu valley. The result of the ordinal regression analysis indicated that security concern (SC) showed a positive and insignificant influence on PSPs’ performance since estimate or coefficient value of this is 0.13 with insignificant value of (p=0.308), whereas customer service (CS), low transaction fee & Merchant Discount Rate (LTFM) and cross-border peer to peer and peer to merchant transaction (CPTM) showed a positive and significant influence on PSPs’ effectiveness having coefficient value of 0.434, 0.342 and 3.201 respectively with significant value of p=0.008, 0.004 & 0.000 respectively. However, interoperability and regulatory constraints showed a negative and insignificant influence on PSPs’ effectiveness having coefficient value of -0.206 and -0.145 respectively with insignificant value of p=0.165 and 0.241 respectively. The result of second route indicated that cross-border peer to peer and peer to merchant transaction (CPTM) which is the key feature of UPI Nepal has the highest level of influence on PSPs’ effectiveness with exponentiation of the B coefficient Exp(B) =24.548 shows UPI will set an ample challenge to the existing PSPs in Nepal. The research recommended that, PSPs need to enhance the customer service with offering low transaction and MDR. Also, diversifying their business across the border.
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Rose, Chris. "The Evolution Of Digital Currencies: Bitcoin, A Cryptocurrency Causing A Monetary Revolution." International Business & Economics Research Journal (IBER) 14, no. 4 (July 14, 2015): 617. http://dx.doi.org/10.19030/iber.v14i4.9353.
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Bitcoin was not the first attempt at a digital currency, but it has been the most successful and it is now being accepted by a number of major retailers. Bitcoin is a cryptocurrency and operates as a peer-to-peer network. Its security is guaranteed by cryptographic algorithms instead of governments and has the potential to become a major means of payment for e-commerce and may even materialize as a viable challenge to traditional money-transfer providers. Instead of serving one country or some countries, Bitcoin serves the entire world.
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Keerthiga, Ms M., and Dr M. Thinesh Kumar. "A Study on the Impact of Bitcoin on the Indian Economy." International Journal for Research in Applied Science and Engineering Technology 10, no. 4 (April 30, 2022): 3437–43. http://dx.doi.org/10.22214/ijraset.2022.42079.
Full textAbstract:
Abstract: The silence of the RBI on the regulatory status of bitcoins may prove to be damaging. An industry has grown around bitcoins in India- traders, exchanges and merchants who accept payments in bitcoins. Bitcoins have already gained wide acceptance around the world- hence banning them would not be an option in India. Instead, this industry would need to be regulated. The sooner this is done, the better. A bitcoin is a virtual currency first introduced in the year 2008 by an anonymous group called Satoshi Nakamoto. It’s an open source peer-to-peer cryptographical system (direct connections without an intermediary) where transactions happen through a public ledger called blockchain, handling users’ data anonymously. Eight years since its introduction, bitcoin is today the most widely used and accepted digital currency.By categorically reiterating that cryptocurrencies could not be part of the ‘payment process’, India buries the economic possibilities of crypto as a currency. However, the positive focus on blockchain technology is redeeming the bitcoin