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BHARTI, AKASH. "PERCEPTION OF PEOPLE TOWARDS MOBILE PAYMENT APPS". Thesis, DELHI TECHNOLOGICAL UNIVERSITY, 2021. http://dspace.dtu.ac.in:8080/jspui/handle/repository/18434.
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Payment Apps or mobile wallet refers to the payment services operated under financial
regulation and is performed using a mobile device. The concept of paying using cash, cheque,
debit or credit card is off lately becoming outdated. The new payment mechanism which
involves payment for a transaction using the mobile wallet or mobile money transfer is gaining
momentum. The concept of mobile payment is gradually being accepted and adopted across the
globe in different ways. The exclusive first patent defined as ‘Mobile Payment System’ was filed
way back in the year 2000. A mobile payment app is an app that consists of your debit and credit
card information which helps the users to pay for goods and services digitally or to transfer
money to other users using their mobile devices.
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Naik, Vaibhav C. "The evolution of the digital payments : the past, present and future of digital payments". Thesis, Massachusetts Institute of Technology, 2015. http://hdl.handle.net/1721.1/115037.
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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, System Design and Management Program, 2016.Cataloged from PDF version of thesis.
Includes bibliographical references (pages 37-39).
The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.
by Vaibhav Naik.
S.M. in Engineering and Management
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ANDERSSON, ALEXANDER, i KARL ESSUNGER. "Physical or Digital Payments : Towards a Dominant Design?" Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-236483.
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Rapid digitalisation development has been stampeding widely across today’s societies, and not least in the payment industry. Though, the digitalisation in the payment industry has been very deviating, even between similar well-developed countries, and while there are positive and negative effects with both digital- and physical payment means, there is little knowledge that highlights the influencing factors and accompanied problems. This study therefore explore swhich, and how, different factors influence a country’s degree of digital payments, and creates further understanding of where the payment markets are heading in the future. It is done through a case study of four different industrialised countries, Sweden, Italy, Canada, and Switzerland which involves mapping the countries’ payment markets, as well as potential factors influencing a population’s payment habits, through a perspective of innovation theory in terms of dominant designs and technological discontinuities. Theory of network externalities and two-sided platforms are further used to explain and discuss how a two-sided market, likethe payment market, is affected by changes and other circumstances in different ways.Conclusions are then drawn from the used theories together with a comparison of the findings,and identifies certain influencers to a country’s distribution of payments, as well as provides indications of where the different payments markets are heading in the future. Data is mainly gathered through written material and credible databases, but also from semi-structured interviews.Den snabba digitaliseringen har slagit sig fram i dagens samhällen, och inte minst i betalningsindustrin. Dock har digitaliseringen i betalningsindustrin varit mycket avvikande mellan liknande välutvecklade länder, och medan det finns positiva och negativa effekter med både digitala och fysiska betalningsmedel, finns det inte mycket kunskap om påverkandefaktorer och medföljande problem. Denna studie undersöker därför vilka, och hur, olika faktorer påverkar ett lands grad av digitala betalningar, och vidare skapar ytterligare förståelse för var betalningsmarknaderna är på väg framöver. Detta görs genom en fallstudie av fyra olika industrialiserade länder, Sverige, Italien, Kanada och Schweiz, som innebär en kartläggning av ländernas betalningsmarknader, och av potentiella faktorer som påverkar befolkningens betalningsvanor, genom ett perspektiv från innovationsteori i form av dominerande design och tekniska diskontinuiteter. Teori om nätverksexternaliteter och tvåsidiga plattformar används vidare för att förklara och diskutera hur en tvåsidig marknad som betalningsmarknadenpåverkas av förändringar och andra omständigheter. Slutsatser dras sedan från de användateorierna tillsammans med en jämförelse av resultaten och identifierar påverkande faktorer tillett lands betalningsdistribution, samt ger indikationer på var de olika betalningsmarknaderna är på väg framöver. Data samlades huvudsakligen in genom skriftligt material och från tillförlitliga databaser, men även från semistrukturerade intervjuer.
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Dal, Ben Giorgia <1995>. "The silent invasion of mobile payments: the different spread, impact and importance of digital payments in China and Italy". Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/18199.
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This work aims at analysing the different spread, impact and importance that digital payments have in two specific areas: China and Italy. Starting from an overview of the historical evolution of money and the description of payment systems, the first chapter underlines how digital payments are playing a crucial role in the countries’ economic and financial environments. Nevertheless, they are developed and perceived by countries in different ways. In the second chapter, after an explanation of the evolution of the Chinese financial sector, I will investigate the development of electronic payments, from card payments to mobile payment services. In the third chapter, then, I will consider the Italian context, offering an overview of cards and mobile payments. In conclusion, as China’s mobile payment services continue to grow both domestically and globally, I will examine the spread and influence that these services have abroad, specifically in Italy. I have conducted a field survey considering an area in which Chinese presence is high and impactful in Italy, i.e. the high fashion context.
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Bergamin, Filippo <1993>. "The digital payments italian ecosystem in the fintech era: status and possible scenarios". Master's Degree Thesis, Università Ca' Foscari Venezia, 2018. http://hdl.handle.net/10579/12312.
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The thesis has the aim of analysing one of the most innovative markets of the last 10 years: the Financial Technology (Fintech) market. In particular the focus will be on the digital payments ecosystem in Italy. The thesis will start with a bibliography and data analysis and will proceed with a reserach questionnaire tha will be submitted to Italian citizens. The analysis and the questionnaire will give a list of possible scenarios for the future both on a legal and a technological point of view.
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Ali, Hanna, i Nedia Borchani. "Moderna Betalningsmetoder". Thesis, Högskolan i Borås, Akademin för textil, teknik och ekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-12697.
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The purpose of the study is to examine the challenges of digital payments, the risks they pose and the impact they have in society. Technology is constantly changing, companies need to keep in pace with technology in order to provide accurate and actual financial information. Therefore it is important to examine the digital transactions impact on accounting.The issue that has been chosen to be studied is to identify the challenges that banks and companies that provide digital payment solutions face and how they work with these challenges.The method that was chosen to achieve the study was the qualitative method and the empirical material were obtained by semistructured interviews. Six respondents participated in the study, four banks and two companies that provides digital payment solutions. The results are analysed with the help of previous research and chosen theoretical concepts of mobile payment, card payment, risks and safety, cost-effectiveness and acceptance of payment services.The result of the theoretical and empirical study implies that higher requirements are placed on banks and companies, they have to follow laws and directives in order to increase the security of digital payments. The study is in swedish.Avsikten med studien är att undersöka de digitaliserade betalningssättens utmaningar, vilka risker de medför samt den inverkan de har i samhället. Tekniken förändras ständigt, därmed finns det ett behov av att företag håller jämna steg med digitaliseringen för att tillhandahålla korrekt och aktuell finansiell information. Därför finns det en väsentlig betydelse att undersöka de digitala transaktionernas inverkan på redovisning. Den problematik som har valt att studeras är vilka utmaningar som de digitaliserade betalningstjänsterna står inför samt hur banker och övriga företag som tillhandahåller digitala betalningslösningar arbetar med dessa utmaningar. Den valda metodansatsen är en kvalitativ metod och det empiriska materialet är insamlat av semistrukturerade intervjuer. I studien deltog sex respondenter, varav fyra banker samt två företag som tillhandahåller digitala betalningslösningar. Resultatet analyseras med hjälp av tidigare forskning och begreppen mobila betalningar, kortbetalningar, risker och säkerhet, kostnadseffektivitet samt acceptans av betalningstjänster. Teorin samt praktiken har medfört att det ställs högre krav på företag och banker, både från nationella samt internationella riktningar. Då de måste följa lagar och direktiv för att öka säkerheten kring digitaliserade betalningsalternativ.
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Sánchez, Garvín Mario. "Network constellations for mobile payments - Influence of the leading partner on NFC-based mobile digital wallets". Thesis, KTH, Bygg- och fastighetsekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-76718.
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The mobile payments industry, which is currently at an early stage of development, is taking the direction to be established mainly as an NFC-based industry, and, moreover, led by the mobile digital wallets setting. A mobile digital wallet is a complete payment app for your NFC-enabled mobile phone that enables consumers to pay at stores at the point of sale with a mobile phone. The digital wallet, which is associated with a credit card, integrates all payment-related services like the management and storage of receipts, coupons and offers, and loyalty cards. Currently, there are three big partnerships going ahead of the NFC mPayments stream: Google Wallet, VISA’s Digital Wallet and ISIS Mobile Wallet. Each one of these three mobile digital wallets is led by an actor coming from a different industry of origin. Google Wallet is led by Google, an internet and technology actor. VISA’s Digital Wallet is managed by Visa, a traditional payment processor. And ISIS Mobile Wallet is led by three of the largest US telecom operators: AT&T, T-Mobile and Verizon. Thus, applying a business network theory to analyse how the industry of origin of the mobile digital wallet affects the interaction within the partnership formed is a unique and perfectly fitted opportunity. The aim of this Master Thesis was to analyse the influence, regarding interaction, of the origin industry of the leading partners on the NFC-based mobile digital wallet partnerships of the mobile payments developing industry. A literature review on business network theory was conducted, in order to identify key features of the business landscape affecting interaction on business networks, as well as an industry analysis of the mobile payments developing industry. Then, the business network theory approach was applied to the study of the mobile payments digital wallet setting, conducting a discussion based both on the industry analysis performed and a set of interviews with experts on the mobile payments industry.
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Karagöz, Elin. "Managing Innovation of Payments : A Study of Regulatory Compliance Within Swedish Banking". Thesis, KTH, Skolan för industriell teknik och management (ITM), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-279621.
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This study investigates challenges that emerge for Swedish incumbent banks when pursuing compliance with IT security regulations, while simultaneously striving towards innovation in order to maintain market competitiveness in terms of digital payment service offerings. As competition increases within the payment service industry, developing innovative services becomes increasingly important. At the same time, it is essential that these solutions maintain a high level of IT security, both in terms of the preservation of customer trust as well as in terms of compliance with financial regulations. Consequently, the aim of this study was to contribute to research from an incumbent banking perspective, where theory together with a qualitative case study has revolved around the topics of technology, compliance, and innovation in the pursuit of identifying key challenges. The study included a series of interviews with respondents within banking, IT security, and compliance management. This resulted in three principal challenges regarding compliance and innovation within payment services at incumbent banks, along with proposed actions to be taken. Firstly, the necessity of incrementally transitioning from legacy infrastructure towards modernized platforms was established. Secondly, banks are encouraged to make trade-offs between regulations and deploying new products and services. Finally, for banks to engage in communication and collaboration within the organization as well as with regulators can facilitate compliance as well as promoting harmonization of regulations.Denna studie undersöker de utmaningar som svenska storbanker står inför i en digitaliserad miljö där både IT-säkerhet och innovation behöver tillgodoses för att upprätthålla konkurrenskraft gällande betaltjänster. Då konkurrensen ökar inom betaltjänstsektorn blir utvecklingen av innovativa tjänster allt mer betydelsefull. Samtidigt är det viktigt att dessa lösningar håller en hög nivå av IT-säkerhet, dels för att bibehålla kundförtroende, men också för att banker lyder under finansiella regelverk. Följaktligen var syftet med denna studie att bidra till kunskap om utvecklingen av framtidens betaltjänster. Teori och empiri kretsade kring områdena teknik, regelverk och innovation, med en strävan att identifiera huvudutmaningar på området. I en kvalitativ fallstudie inkluderandes en serie intervjuer med experter inom banksektorn och ITsäkerhet. Resultaten visade att de viktigaste utmaningarna kopplat till regelefterlevnad och innovation inom betaltjänster för storbanker är nyttjandet av föråldrad teknik, behovet av en avvägning mellan att uppfylla regelverk och utveckling av nya produkter och tjänster, och slutligen kommunikation och samarbete inom både organisationen och med lagstiftare.
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Johannesson, Isabella. "Dark Patterns in Digital Buy Now Pay Later Services". Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-300191.
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Buy Now Pay Later (BNPL) is a financial service whereby customers defer payment on a purchase against a short-term debt. While BNPL services have a long history, digital invoice services are now the largest market for BNPL. For the study, two of the largest providers in Sweden, and their checkout interfaces were reviewed for dark patterns. Dark patterns are instances where designers exploit the knowledge of human behaviour (e.g., behavioural psychology) and cognition (e.g., cognitive psychology) in order to coerce the customers into performing target actions. For digital invoice services, the target actions are for the customers to select the credit instalments which profits their business model, as a large percentage of their income are from postponed payments. This study employs three research methods to answer the research questions “What existing dark patterns are identified in digital invoice services, and what are the impacts of dark patterns in the context of digital invoice services?”. First, existing dark patterns were identified through a systematic literature review. Second, the resulting dark patterns were applied to an analysis of the two digital invoice services, where ten dark patterns were identified. Finally, an interface of a digital invoice service was designed, prototyped, and evaluated to test the impact of the identified dark patterns in the context of digital invoice services. Analysis suggests that the users are being coerced through design into the target actions, which were selecting the credit instalments (X2 = 5.84, df=1). The results is being further discussed in means of the potential debt users face from dark patterns in financial interfaces.Buy Now Pay Later (BNPL) är en finansiell tjänst där användarna skjuter upp betalningar mot en kortfristig skuld. BNPL-tjänster har en lång historia, men digitala faktureringstjänster är nu den största inom marknaden för BNPL. För studien granskades Sveriges två av de största faktureringstjänster och deras användargränssnitt för “Dark Patterns”. Dark Patterns är designmönster som utnyttjar kunskapen om mänskligt beteende (t.ex. beteendepsykologi) och kognition (t.ex. kognitiv psykologi) för att uppmana kunderna att utföra riktade åtgärder. För digitala faktureringstjänster är de riktade åtgärderna att användarna väljer kreditbetalningar vilket uppfyller deras affärsmodell, eftersom en av deras huvudsakliga inkomstkällor är från användare som skjuter upp sina betalningar. Denna studie använder tre forskningsmetoder för att svara på forskningsfrågan ”Vilka befintliga “Dark Patterns” kan identifieras i digitala faktureringstjänster, och vad är påverkan av “Dark Patterns” i samband med digitala faktureringstjänster?”. Först identifierades befintliga “Dark Patterns” genom en systematisk litteraturstudie. Sen tillämpades de identifierade “Dark Patterns” i en analys av digitala faktureringstjänster, där tio “Dark Patterns” identifierades. Slutligen skapades en prototyp vars gränssnitt utvärderas för att testa påverkan av de identifierade “Dark Patterns” i samband med digitala faktureringstjänster. Analys tyder på att användarna uppmanas genom design till riktade åtgärder för de digitala faktureringsstjänsterna som valde kreditbetalningarna (X2 = 5,84, df = 1).
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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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Silva, Sérgio Henrique Vital de Carvalho. "Um sistema para pagamentos móveis utilizando comunicação por proximidade de campo". Universidade Federal de Uberlândia, 2013. https://repositorio.ufu.br/handle/123456789/14564.
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The Near Field Communication (NFC) and mobile payments are two areas in constant development in current market. Today when we use the wallet, we can found cash of different values, coins, debit and credit cards of one or two banks, loyalty cards from restaurants and shopping receipts. Even though these items found in the wallet have a symbolic value of utility, they are becoming outdated, as a plethora of plastic and paper that will not make much sense in the near future. The revolution of mobile payments is imminent and is already happening. Instead of wallets, we have mobile phones with NFC on their hardware and software that transform them into a digital wallet (e-wallet). What matters now are not the papers and cards, but stay connected to your e-wallet account\'s that has your bank details. The main objective of this dissertation is to present the development of a mobile payment system called S-Wallet system, using the technology of NFC. This work also includes the development of a protocol for mobile payments, the protocol SWEP, which performs the whole process of message exchange, data exchange and payment execution. Besides the App S-Wallet, an application interface to android users use. In addition, an account that stores users data remotely, called S-Wallet account. As part of the evaluation of the S-Wallet, we perform tests of integration of all the entities of the system. These tests showed that the S-Wallet provides usability, security and privacy to users. Further, we had performed usability tests with users showing that the S-Wallet system is easy to use and we had indicated it for the real scenario studied: payment between two users, peer-to-peer (P2P) and retail vending. This work shows that the NFC technology is secure for mobile payments and is very useful for its expansion in the commercial sector.A Comunicação por Proximidade de Campo do inglês Near Field Communication (NFC) e os pagamentos móveis são duas áreas em constante desenvolvimento no mercado atual. Hoje ao utilizar a carteira são encontradas cédulas de diferentes valores, moedas, cartões de débito e de crédito de um ou dois bancos, cartões fidelidade de restaurantes e recibos de compras. Mesmo que esses itens encontrados na carteira tenham um valor simbólico de utilidade, eles estão se tornando ultrapassados, como uma infinidade de plástico e papel que não fará muito sentido em um futuro próximo. A revolução dos pagamentos móveis é iminente e já está acontecendo. No lugar das carteiras estão entrando os celulares com dispositivos NFC em seu hardware e software que os transformam em uma carteira digital (e-wallet). O que interessa não são mais os papeis e os cartões, mas sim estar conectado com sua conta da e-wallet que possui seus dados bancários. O principal objetivo desta dissertação é apresentar o desenvolvimento de um sistema de pagamentos móveis denominado sistema S-Wallet, utilizando como base a tecnologia NFC. Este trabalho também inclui o desenvolvimento de um protocolo de pagamentos móveis, o protocolo SWEP, que realiza todo o processo de troca de mensagens, troca de dados e execução do pagamento. Além da App S-Wallet, uma aplicação com interface android para os usuários utilizarem. Assim como uma conta que armazena os dados dos usuários remotamente, denominada conta S-Wallet. Como parte da avaliação do sistema S-Wallet, foram realizados testes de integração das entidades desse sistema. Esses testes mostraram que o sistema S-Wallet proporciona usabilidade, segurança e privacidade aos usuários. Além disso foram realizados testes de usabilidade com usuários que mostraram que o sistema S-Wallet é fácil de usar e que pode ser indicado para o cenário pesquisado: pagamento entre dois usuários do inglês peer-to-peer (P2P) e máquinas de venda do varejo. Este trabalho mostra que a tecnologia NFC é segura para pagamentos móveis e é de grande utilidade para a expansão da mesma no setor comercial.
Mestre em Ciências
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Glennow, Emma, i Alexandra Granström. "Cashless society: Is there a relationship between innovation and cash circulation in economy?" Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-254271.
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Around the globe, countries move away from banknotes and coins in the favor of digitized payments. A number of findings from academic research conclude various benefits associated with decreased cash usage, such as enhanced economic development, less costs for governments and banks, financial transparency as well as lower economic-related crime rates. In a light of various benefits moving towards cashless payments, it is hypothesized that there also could be a relationship between how innovative a country is and how much cash circulates in economy. The relationship could be both-sided like less cash circulation can trigger innovation and, at the same time, adoption of cashless payments could be driven by how innovative a country is. To be able to investigate a potential correlation, a correlation analysis is conducted between the two variables: an innovation level of a country and cash circulation in econom. The Global Innovation Index score will be used to summarize various factors that provide an overview of national innovation performance, and percentage of Gross Domestic Product (GDP) will be used for currency in circulation. According to the findings, the hypothesis that there is a correlation between cash circulation and innovation performance in a country could not be rejected with a 5% significance level.Runt om i världen öppnar länder upp för att gå från kontanta betalningsmedel mot digitala betallösningar. Enligt tidigare forskning, leder minskad kontanthantering till flertalet fördelar såsom kraftigare ekonomisk tillväxt, ökad transparens, minskade kostnader samt minskad ekonomiskt brottslighet. De fördelar som kontantlösa betalningar skapar kan vara kopplade till hur innovativt ett land är och hur mycket kontanta medel som cirkulerar i ett lands ekonomi. Ett potentiellt samband mellan mängd kontanter som cirkulerar i ett samhälle och innovation i ett land kan vara tvåsidigt, till exempel att minskade mängder kontanter i ekonomin kan skapa innovation eller så kan kontantlösa betalningar skapas av hög innovationsnivån i ett land. För att kunna undersöka ett potentiellt samband, utförs en korrelationsanalys mellan de två variablerna: nationell innovationsnivå och mängd kontanter i cirkulation i ekonomin. Global Innovation Index används för att sammanfatta olika faktorer som ger en översikt över den nationella innovationsnivå per land och en procentandel av bruttonationalprodukten (BNP) kommer att användas för mängd valuta i omlopp. Enligt framkomna resultat från korrelationsanalysen kunde hypotesen om att det finns ett samband mellan kassaflöde och innovationsnivå i ett land inte förkastas.
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Herget, Niklas, i Krey Philip Steinmüller. "Mobile Payment Adoption During The Covid-19 Pandemic: A Quantitative Study In Germany". Thesis, Jönköping University, IHH, Företagsekonomi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-52632.
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Background: Emerging in December 2019, the COVID-19 pandemic profoundly changed consumer behaviour leading to social distancing and mitigating physical contact. Statistics show an increased use of contactless and mobile payment usage and adoption during the pandemic. It is unclear how valid previous models on mobile payment adoption explain adoption behaviour in emergency situations. While there are few studies approaching the adoption behaviour during the pandemic, there is also little previous research on mobile payment adoption prior to the pandemic in Germany. Purpose: The present thesis intends to advance several previously researched technological adoption frameworks to focus on and measure consumers’ perception of mobile payment technology adopting during the COVID-19 pandemic. Hence, our model provides a basis to understand mobile payment adoption in Germany during the pandemic. Method: Based on hypotheses derived from an adapted UTAUT2 model, we conducted quantitative deductive research reaching 258 questionnaire participants based in Germany. The empirical data was analysed through structural equation modelling. Conclusion: The findings show that Performance Expectancy still represents the primary driver of intention to adopt mobile payments during the pandemic, yet it is strongly supported by the initially contextualised Contamination Avoidance element and complemented by Habit, Effort Expectancy. Practitioners benefit from the study to better tailor campaigns in accordance with the main driver of adoption behaviour, while our findings contribute new insights into technology adoption in Germany during emergency situations.
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Добровольська, Є. В. "Банківський бізнес в умовах цифровізації". Thesis, Одеський національний економічний університет, 2021. http://local.lib/diploma/Dobrovolska.pdf.
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Доступ до роботи тільки на території бібліотеки ОНЕУ, для переходу натисніть на посилання нижчеУ роботі розглянуті теоретичні основи цифровізації банківського бізнесу. Розкрито сутність та ознаки цифровізації. Охарактеризовано види цифрових технологій сучасного банку. Визначено основи законодавчого регулювання цифрової трансформації банків. Проаналізовано практичні аспекти цифровізації в сучасному банківському бізнесі. Визначено вплив цифровізації на банківську діяльність в Україні. Досліджено рівень розвитку цифрових технологій в банківській системі України. Проаналізовано діяльність АТ «Альфа-Банк» та досліджено рівень впровадження цифрових технологій банку. Наведено напрямки розвитку цифрових технологій на ринку банківських послуг. Проаналізовано зарубіжний досвід використання цифрових технологій. Досліджено перспективи впровадження Нової стратегії НБУ.
The theoretical bases of digitalization of banking business are considered in the work. The essence and signs of digitalization are revealed. The types of digital technologies of a modern bank are characterized. The basics of legislative regulation of digital transformation of banks are determined. The practical aspects of digitalization in the modern banking business are analyzed. The influence of digitalization on banking activity in Ukraine is determined. The level of development of digital technologies in the banking system of Ukraine is investigated. The activity of JSC "Alfa-Bank" is analyzed and the level of introduction of digital technologies of the bank is investigated. The directions of development of digital technologies in the market of banking services are given. Foreign experience in the use of digital technologies is analyzed. Prospects for the implementation of the New NBU Strategy have been studied.
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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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Patil, P. P., Nripendra P. Rana i Y. K. Dwivedi. "Digital payments adoption research: A meta-analysis for generalising the effects of attitude, cost, innovativeness, mobility and price value on behavioural intention". 2018. http://hdl.handle.net/10454/18060.
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yesThe rapid evolution of mobile-based technologies and applications has led to the development of several different forms of digital payment methods (DPMs) but with limited enthusiasm in consumers for adopting them. Hence, several academic studies have already been conducted to examine the role of various antecedents that determines consumers’ intention to adopt DPMs. The degree of effect and significance of several antecedents found to be inconsistent across different studies. This provided us a basis for undertaking a meta-analysis of existing research for estimating the cumulative effect of such antecedents. Therefore, this study aims to perform a meta-analysis of five antecedents (i.e. attitude, cost, mobility, price value and innovativeness) for confirming their overall influence on intentions to adopt DPMs. The results of this study suggest that the cumulative effect of four out of five antecedents found to be significant while influence of price value was found insignificant on behavioural intentions. The recommendations drawn from this research would help to decide if and when to use such antecedents for predicting consumer intention to adopt DPMs.
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Patil, P. P., Nripendra P. Rana i Y. K. Dwivedi. "Digital payments adoption research: A review of factors influencing consumer’s attitude, intention and usage". 2018. http://hdl.handle.net/10454/18062.
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yesDigital payment methods (DPMs) are evolving fast but they are yet to be widely adopted particularly in the developing countries. An initial review of literature suggests that several studies have already been conducted on this topic for understanding antecedents of digital payments adoption. However, only a few studies have examined this emerging topic in the context of developing countries. The aim of this submission is to identify antecedents of consumer adoption and usage of digital payments methods. The results of this literature analysis suggest that constructs related to technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) along with trust and risk are the most frequently examined constructs for determining consumer’s behavioural intention to use and usage of DPMs. The findings from this work can help researchers selecting factors for inclusion in the future empirical works on this topic.
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Agarwal, Rounak. "A Trusted-Hardware Backed Secure Payments Platform for Android". Thesis, 2021. https://etd.iisc.ac.in/handle/2005/5439.
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Digital payments using personal electronic devices have been steadily gaining in popularity for the last few years. While digital payments using smartphones are very convenient, they are also more susceptible to security vulnerabilities. Unlike devices dedicated to the purpose of payments (e.g. POS terminals), modern smartphones provide a large attack surface due to the presence of so many apps for various use cases and a complex feature-rich smartphone OS. Because it is the most popular smartphone OS by a huge margin, Android is the primary target of attackers. Although the security guarantees provided by the Android platform have improved significantly with each new release, we still see new vulnerabilities being reported every month. Vulnerabilities in the underlying Linux kernel are particularly dangerous because of their severe impact on app security. To protect against a compromised kernel, some critical functions of the Android platform such as cryptography and local user authentication have been moved to a Trusted Execution Environment (TEE) in the last few releases. But the Android platform does not yet provide a way to protect a user’s confidential input meant for a remote server, or, the server’s confidential output meant for the user, from a compromised kernel. Our work aims to address this gap in Android’s use of TEEs for app security. We have proposed an API that a Trusted App running in a TEE can provide to the untrusted apps running in the REE (Rich Execution Environment).This API will allow app developers to leverage the TEE’s protection for fetching confidential input from and showing confidential output to the user. We have described how this API can be used to implement a secure payment system that can prevent fraudulent transactions even in the presence of a compromised kernel. We have implemented the proposed API on a device with a TEE built on ARM’s TrustZone technology.
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Castro, Maria José de Avillez Meireles do Canto e. "Digital transformation & consumers : determinants for the adoption of contactless card payments in Portugal". Master's thesis, 2020. http://hdl.handle.net/10400.14/31147.
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Although contactless payments have been widespread around the world, making individual’s life easier and providing advantages within the financial market, they are still considered a modern addition to the current “Financial Transaction Technology” World. The implementation of contactless transactions in Portugal is still at an infancy stage where the adoption rate is considered low as compared to other European countries. Therefore, the purpose of this paper is to identify the determinants of the adoption of this new method of payments in Portugal. TAM, UTAUT, IDT and RTA theories were used to contextualize this research’s frameworks. The findings show that all considered factors have a significant effect on consumers’ Behavioural Intention, with Perceived Usefulness and Attitude proving to be the most impactful. The obtained results provide insight into how to promote contactless cards payment, which therefore also keeps stakeholders informed of their likely trajectory and enhances the potential for prospective markets and innovations.Embora os pagamentos por contactless tenham sido generalizados em todo o mundo, facilitando a vida das pessoas e proporcionando vantagens no mercado financeiro, ainda são considerados um complemento moderno à atual "Tecnologia das Transações Financeiras" mundial. A implementação das transações por contactless em Portugal encontra-se ainda numa fase incipiente, em que a taxa de adoção é considerada baixa em comparação com outros países europeus. Assim sendo, este estudo tem como objetivo identificar os fatores que influenciam a utilização deste novo método de pagamento em Portugal. Teorias como TAM, UTAUT, IDT e RTA foram utilizadas para contextualizar este estudo. Os resultados indicam que todos os fatores considerados têm um efeito significativo em Behavioural Intention do consumidor, sendo Perceived Usefulness e Attitude os mais impactantes. Os resultados obtidos permitem compreender como promover esta forma de pagamento por contactless, o que mantém os stakeholders informados sobre a sua provável trajetória e evidencia o potencial para futuros mercados e inovações.
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Chen, Yiling. "The impact of digital payments on the velocity of money in the Chinese market". Master's thesis, 2021. http://hdl.handle.net/10071/24454.
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To study the impact of digital payments on the velocity of money circulation, this paper
selects the velocity of money circulation at the M2 level in the Chinese market from
FY2012 to 202112 quarters as the dependent variable, the size of digital payment
transactions as the independent variable, and gross national product, inflation rate and
opportunity cost of money as control variables. In terms of model selection, since the
inflation rate and opportunity cost of money are monthly data, while the transaction
size of digital payment and the circulation speed of money at the M2 level are quarterly
data, the MIDAS series model is chosen to compare with the traditional OLS model,
and it is found that MIDAS-PDL has the best fitting effect and prediction accuracy.
Through the empirical results of the MIDAS-PDL model, we find that for the Chinese
market, digital payments have a significant positive effect on the velocity of money
circulation, in addition, inflation has a significant positive effect on the velocity of
money circulation, while the opportunity cost of money has a significant negative effect
on the velocity of money circulation.
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Soimu, Ana. "Dematerialization of the currency: a study of the possible impacts on portuguese society and sSibs's business". Master's thesis, 2020. http://hdl.handle.net/10362/107291.
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Over a long period of time, the expression “Cash is King” has been considered an undeniable fact. However, due to technological developments inrecent years, the payment industry has undergone major transformations, with the emergence of new payment methods such as Near Field Communication (NFC), mobile payment, or cryptocurrencies (i.e. bitcoin).This Work Project, conducted within a Direct Research Internship at SIBS SGPS, aims to propose an analysis of the dematerialization of currency, focusing on the impact created by this change in the payments industry, Portuguese society as well as onSIBS’s business.
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Cardoso, Sofia Anastácio. "Online payments strategy: how third-party internet seals of approval and payment provider reputation influence the millennial consumers’ online transactions". Master's thesis, 2017. http://hdl.handle.net/10362/22989.
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With the recent increase in online purchases, organizations have been able to improve
their capacity to collect, store and profit from personal and financial data gathering. Online
purchases occur in an environment characterized by higher risk levels surrounding the
transaction. Several payment strategies can be applied in order to mitigate the consumers’
perceived risk and increase trust levels. The present study intends to understand how the
presence of internet seals of approval, and the reputation of the payment provider impacts
consumer trust and online payment perceived risk. The study uses four randomized
experimental setups to manipulate the independent variables, on a sample size of 324 valid
responses, the majority of responses are from people between the ages of 18 and 25 years
old. The study results demonstrate that new online vendors can mitigate these variables by
investing in a payment strategy that combines the presence of internet seals of approval logos
together with the presence of payment providers with low reputation.
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Igreja, Bárbara João Araújo. "Carteiras digitais: os casos da China e de Portugal". Master's thesis, 2018. http://hdl.handle.net/1822/59778.
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Dissertação de mestrado em Estudos Interculturais Português/Chinês: Tradução, Formação e Comunicação EmpresarialAs carteiras digitais estão cada vez mais presentes no nosso dia a dia, podendo ser utilizadas em cada vez mais ocasiões. Na China, as carteiras digitais têm, desde há uns anos, uma forte presença na vida quotidiana da população, englobando inúmeras funções e podendo ser usadas em diversas ocasiões durante o dia a dia. Por outro lado, em Portugal, o uso de carteiras digitais está ainda em crescimento, sendo que o número de funções destas é ainda limitado. Esta dissertação analisa e compara as carteiras digitais usadas na China e em Portugal, o seu crescimento, as suas funções e os consequentes os impactos na sociedade e ambiente. Para além disso, através do modelo das dimensões culturais de Hofstede, tenta-se perceber o porquê das diferenças na velocidade de adoção desta tecnologia na China e em Portugal.
Digital wallets are increasingly present in our everyday lives, in which people are able to use them in more and more situations. In China, digital wallets have had a heavy presence for a few years now, offering a wide range of functions, where people can use them in different occasions throughout their day. On the other hand, in Portugal, the use of digital wallets is still developing and the number of functions they offer is still limited. This dissertation analyses and compares digital wallets used in China and Portugal, as well as their functions and the consequent impacts on society and the environment. Moreover, through Hofstede’s model of cultural dimensions, there is a search to understand the reasons behind the difference in the pace of adoption of this new technology in China and in Portugal.
当今社会，随着第 方支付越发普及，在大部分情况 ，人们都可以使用第 方支付的方式 在中国，近几年来，电子钱包几乎成 了人们生活的必备品 多 能的电子钱包可以在餐厅，商场，交通系统，电子商 等多处进行消费 但 反观葡萄牙，电子钱包的使用 然处在发展状态中，其 能 十分有限. 本论文将对中国和葡萄牙的第 方支付方式进行对比，内容 要体 在两国 第 方支付的发展， 它的 能 生活影响和 境影响 几个方面 以分析 除 此之外，基于霍夫斯泰德的文化维度模式，尝试探讨中葡两国在对电子钱包的使 用普及度 有明显区别的原因
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Gilman, Maria Madalena Salgado. "SIBS/MB WAY : striving for a cashless portuguese society". Master's thesis, 2019. http://hdl.handle.net/10400.14/29747.
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Organizations act in very dynamic and rapidly changing environments, wherein they face multiple exogenous shocks that threaten their sustainability and competitive advantage. Therefore, it is of utmost importance that firms continuously adapt and change their strategies to find a fit with the changing environment in order to guarantee survival and remain competitive. Scholars have developed management literature on the importance of strategic change on firm’s alignment with unstable and dynamic environments. Moreover, the Dynamic Capability view, which illustrates how firms can achieve sustainable competitive advantage and cope with the changing ecosystems, has gained increased awareness over the years.
In order to demonstrate a real-life example of Strategic Change and the dynamic capabilities' theory in action, this dissertation examines the case of SIBS's digital transformation. The teaching case focuses on SIBS' changing process, strategic reorientation and also examines how, by introducing MB WAY, SIBS coped with the payments industry's dynamism. This case clearly illustrates the firm’s imminent need for strategic change and the importance of the company’s use of dynamic capabilities to successfully adapt to the external environment and enact superior performance.As empresas atuam em ecossistemas bastante dinâmicos e em rápida mudança, onde enfrentam vários choques exógenos que tendem a ameaçar a sua sustentabilidade e vantagem competitiva. Portanto, é de extrema importância que as empresas tentem continuamente adaptar e alterar as suas estratégias de forma a encontrar um posicionamento no ecossistema em mudança, garantindo, assim, a sua sobrevivência e competitividade. Académicos têm desenvolvido, cada vez mais, literatura relativa à importância e necessidade de mudança estratégica procurando a adaptação ao ecossistema instável e dinâmico em que as empresas se encontram. Além disto, a teoria das dynamic capabilities ganhou maior preponderância ao longo dos anos. Estas duas correntes literárias vêm demonstrar que as empresas podem obter vantagem competitiva sustentável e lidar com as mudanças nos ecossistemas. Para ilustrar com um exemplo real da mudança estratégica e a teoria das dynamic capabilities, esta dissertação incide sobre a transformação digital da SIBS. O caso de estudo concentra-se no processo de mudança da SIBS, na sua reorientação estratégica e em como, ao introduzir o MB WAY, a empresa conseguiu responder às mudanças no setor de pagamentos. Este caso ilustra claramente a necessidade iminente das empresas recorrerem a mudanças estratégicas e, em particular, a importância do uso de dynamic capabilities por parte da SIBS para se adaptar com sucesso ao ambiente externo e obter um desempenho superior.
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Yavwa, Yakomba. "The influence of indigenous African culture on SME adoption of digital government services in Zambia". Thesis, 2019. http://hdl.handle.net/10500/26834.
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Many low-income countries desire to implement and adopt digital government as a springboard for economic and social development but face many challenges. The United Nations identifies that Africa has especially lagged consistently in digital government development and adoption. Most scholars largely attribute the challenges to infrastructure and skills, and often rhetorically cite culture as playing a strong role. This study specifically examined the role of indigenous African culture (‘spirituality’, ‘communalism’ and ‘respect for authority and elders’) and internet access on the adoption of digital government services (e-filing and e-payment of taxes) by Small and Micro Enterprises (SMEs) in Zambia, with the Unified Theory of Acceptance and Use of Technologies (UTAUT) as the underpinning theoretical lens. Data analysis was done using Structural Equation Modelling with principal attention given to the moderating and mediating influence of indigenous African culture. The influence of internet access on the intention to adopt digital government was also examined. The findings from the cross sectional study of 401 tax registered SMEs suggests that ‘spirituality’, ‘African communalism’ and ‘respect for authority and elders’ have significant negative moderating effects on the adoption of e-filing but not on e-payment; and ‘spirituality’, ‘African communalism’ and ‘respect for authority and elders’ are all significant mediators of the intention to adopt both e-filing and e-payment. This means that indigenous African culture plays a significant role in explaining Africa’s position in digital government development and adoption. The findings also showed a negative influence of internet access on the intention to adopt digital government services despite the measures that government has put in place. These results make a novel contribution to Information Systems (IS) theory in identifying a critical yet often overlooked indigenous cultural influence on the adoption of digital innovations in low-income countries. The findings also calls for finding new or adapted IS theories that take into account such unique cultural constructs. The thesis recommends that the research is extended to other low-income countries as well as other contexts that exhibit strong indigenous cultural values.School of Computing
Ph. D. (Information Systems)
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Драч, І. О. "Стан та перспективи удосконалення міжнародних комерційних розрахунків у зовнішньоекономічній діяльності (на прикладі ПАТ «МТБ БАНК»)". Thesis, 2019. http://dspace.oneu.edu.ua/jspui/handle/123456789/11122.
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Кваліфікаційна робота магістра складається з трьох розділів. Об’єктом дослідження є діяльність ПАТ «МТБ БАНК» за міжнародними комерційними розрахунками та процес їх вдосконалення. У роботі розглядаються теоретико-методичні засади дослідження міжнародних комерційних розрахунків у зовнішньоекономічній діяльності банків, визначається вплив внутрішнього та зовнішнього середовища на діяльність банку за міжнародними комерційними розрахункам та методи її оцінки.
Проаналізовано системи організації міжнародних комерційних розрахунків у ПАТ «МТБ БАНК», здійснено факторний і кореляційно-регресійний аналіз впливу чинників, що сприяють та заважають здійсненню міжнародних комерційних рохрахунків. Визначені основні характерні особливості цифрового банкінгу ПАТ «МТБ БАНК» в сучасних умовах діджеталізації. Проведено аналіз показників та чинників міжнародних комерційних розрахунків ПАТ «МТБ БАНК».
Запропоновано напрями вдосконалення діяльності стосовно міжнародних комерційних розрахунків ПАТ «МТБ БАНК», розроблено заходи щодо оптимізації документообігу за міжнародними комерційними розрахункам та збільшення обсягів прибутків за рахунок впровадження здійснення операцій з торговельного фінансування у діяльність ПАТ «МТБ БАНК».The Master's qualification work consists of three sections. The object of the study is the activity of PJSC MTB BANK on international commercial calculations and the process of their improvement. The article deals with the theoretical and methodological principles of the study of international commercial settlements in foreign economic activity of banks, determines the influence of the internal and external environment on the activity of the bank on international commercial settlements and methods of its evaluation. Systems of organization of international commercial settlements in PJSC “MTB BANK” are analyzed, factor and correlation-regression analysis of the influence of factors that facilitate and impede the execution of international commercial settlements is made. The main characteristic features of digital banking of PJSC MTB BANK in the current conditions of de-netization are determined. An analysis of indicators and factors of international commercial calculations of PJSC “MTB BANK”. The directions of improvement of activity on international commercial settlements of PJSC "MTB BANK" are offered, the measures on optimization of document circulation on the international commercial settlements and increase of the volumes of profits due to implementation of trade financing operations in the activity of PJSC “MTB BANK” are developed.