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Добірка наукової літератури з теми "BENIFITS OF DIGITAL PAYMENTS"

Автор: Grafiati

Опубліковано: 11 вересня 2023

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Статті в журналах з теми "BENIFITS OF DIGITAL PAYMENTS"

Kristensen, Linn-Birgit Kampen, and Mona Solvoll. "Digital payments for a digital generation." Nordic Journal of Media Studies 1, no. 1 (June 1, 2019): 125–36. http://dx.doi.org/10.2478/njms-2019-0008.

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AbstractDigitalization is both a major cause of the challenges now faced by several media industries and a source of their potential solutions. Within the book and newspaper industries, the value of the physical product is about to be surpassed by that of digitally delivered content, disrupting the distribution system that these industries have relied on for many decades. In particular, digital distribution has radically changed the way in which consumers engage in unpaid and paid media consumption.Anchored in the notion of disruptive innovation, and more specifically related to the idea of distribution as disruptive technology, our study investigates Generation Z’s unpaid and paid consumption of digital books and online local newspapers. Drawing on two Norwegian audience surveys, we find that both industries involve at least one disruptive actor. Generation Z relies heavily on Facebook as a distribution channel for news. Pay-walls have a negative effect on the usage of paid online local news, despite the belief that paywalled news is better than free news. In the Norwegian book industry, paper books still have a very strong position among Generation Z. Audiobooks have greater usage than e-books, and we conclude that the real disruptive actor in the Norwegian book industry is the streaming of audiobooks by actors such as Storytel.

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Achmad Fauzi, Shifa Ashila Salwa, Aniar Safitri, Eka Amelia Chiesa Julianti, and Sindy Nur Fazriyah. "ANALISIS PENGARUH PENGGUNAAN SISTEM PEMBAYARAN DIGITAL DAN DIGITAL MARKETING TERHADAP KEPUTUSAN PEMBELIAN." Jurnal Ekonomi dan Manajemen 2, no. 1 (January 19, 2022): 11–17. http://dx.doi.org/10.56127/jekma.v2i1.409.

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Анотація:

The purpose of this research is to find out the interest in using digital payments and also to find out how much interest in digital marketing that is used at this time towards purchasing decisions. The research method is using a systematic literature review method or systematic literature review which can be interpreted that the relationship between Purchase Decisions on the Use of Digital Payments and Digital Marketing, the relationship between the variables Use of Digital Payments and Purchase Decisions, and the relationship between Digital Marketing variables and Purchase Decisions was showing valuable positive relation. And in this research it is also to understand the factors that influence user was having an interest in digital payments and perceptions of trust uploaded through digital marketing.

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Wiwoho, Jamal, Dona Budi Kharisma, and Dwi Tjahja K. Wardhono. "Financial Crime In Digital Payments." Journal of Central Banking Law and Institutions 1, no. 1 (December 28, 2021): 47–70. http://dx.doi.org/10.21098/jcli.v1i1.7.

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Digital payments are proliferating along with a massive and rapid digital transformation. However, the characteristics of transactions using digital payments, which are real-time, not face-to-face, and borderless create potential risks for financial crimes, including, Money Laundering and Funding Terrorism. The potential for abuse occurs in the registered and licensed digital payments sector and illegal digital payments that are not registered with the Bank Indonesia. Undoubtedly, this condition can threaten economic stability and financial system integrity. This article seeks to identify the potential for digital payment use for financial crime and construct a legal framework to prevent the misuse of FinTech for financial crime in Indonesia. This type of research is legal research. The research method used was a statutory comparative approach. The legal materials used were primary and secondary legal materials. The findings have been analyzed using qualitative data analysis techniques. The results of the study show that several cases of terrorism financing have been proven to have used FinTech digital payments as a means of online funding. In this regard, to maintain the integrity of the financial system and strengthen the government’s control functions, a comprehensive legal framework is needed through the establishment of Law on FinTech.

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Pradheep Balaji, R., and T. Vijayakumar. "Diffusion Modelling of Digital Payments." Journal of Engineering and Applied Sciences 14, no. 11 (November 30, 2019): 3707–10. http://dx.doi.org/10.36478/jeasci.2019.3707.3710.

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Bhasin, Narinder Kumar, and Anupama Rajesh. "A Study of Digital Payments." International Journal of Virtual Communities and Social Networking 10, no. 1 (January 2018): 46–64. http://dx.doi.org/10.4018/ijvcsn.2018010104.

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Анотація:

The challenges and emergence of a global economy and a Digital First World has created financial disruptions in e-commerce and e-business around the globe. The collaborations of banks with Fintech companies have led to digitalization being an important component of their business and marketing strategy. The application of e-banking has been demonstrated as an effective cost reduction, risk management and provides quick services to the customers. Nowadays, e-banking services have already ensured opportunities to reduce expenditures on physical structures. However, in some previous studies it has been showed that e-banking has helped banks and financial institutions to reduce costs, increase revenue, and increase customer experience. With the growth of digital banking in India, it is significant to analyze the actual situation of customer satisfaction in the banking sector. This article evaluates the various new digital banking technologies in the banking sector of India which have gained momentum after various banking reforms like the digital financial inclusion, demonetization and GST implementation. It also identifies the relationship between the increasing trends in the usage of electronic banking and a customer paradigm shift from traditional cash and paper-based cheque payment systems and evaluates various challenges and opportunities in the implementation of digitalization. This research was carried out using multiple methodologies.

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Kameswaran, Vaishnav, and Srihari Hulikal Muralidhar. "Cash, Digital Payments and Accessibility." Proceedings of the ACM on Human-Computer Interaction 3, CSCW (November 7, 2019): 1–23. http://dx.doi.org/10.1145/3359199.

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Iradianty, Aldilla. "Digital Payment: Perspektif Gender dalam Pemilihan Jasa Pembayaran Digital." JBMI (Jurnal Bisnis, Manajemen, dan Informatika) 18, no. 1 (June 20, 2021): 34–45. http://dx.doi.org/10.26487/jbmi.v18i1.13409.

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Анотація:

In today's digital era buyers and sellers are using digital payment applications with non-cash payment transactions, in this transaction, there are other parties involved, namely, digital payment providers, where the digital payment provider from the buyer will continue the transaction to the financial network used by the seller. quickly, safely and cheaply, and in real-time, so that immediately the buyer and seller know whether the transaction was successful or not because they are using their smartphone devices. Gender differences, between men and women, can lead to differences in terms of spending with transactions through digital payments, therefore this study will look at whether there are differences between men and women in terms of using digital payments. The research approach used is quantitative research with the help of a questionnaire. A total of 104 users were involved in this study to be asked for information about experiences in using various payments provided by four popular digital payment providers in Indonesia, namely Gopay, Ovo, LinkAja, and Dana. For data analysis, this study uses a different test analysis for each sample, and the results show that there is no difference in the use of digital payments seen from a gender perspective.

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Sunil, Shisode Vikas, and Dr Nidhi Nalwaya. "Digital Payment Systems – An Overview of Categories and Extant Opportunities and Challenges." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (April 30, 2023): 211–17. http://dx.doi.org/10.22214/ijraset.2023.50019.

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Abstract: The payments industry is changing as a result of mobile payments. These services give non-banking actors a way to break into the sector. Banks, who are already involved in the traditional payments sector, must provide mobile payments in order to meet this threat. Right now, we're in a digital era. India is about to see a significant digital revolution. The increasing connectivity that the Internet provides in today's society has altered the way that money is exchanged. The use of several technologies, including smartphones, computers, iPads, tablets, and the internet, has advanced dramatically in India. Smartphones and government initiatives like Digital India are acting as catalysts for the exponential growth in the use of digital payment as a result of the increase in internet users. In India, efforts are being made to switch to electronic payments. A digital payment system is one that processes payments through digital channels and an electronic network. Every transaction involving digital payments is completed online. It is a speedy and useful way to pay. With the aim of promoting cashless transactions and turning the Indian economy into a digital one, a number of digital payment options are available, including banking cards, USSD, UPI, AEPS, mobile wallets, POS terminals, Micro- ATMs, the internet, mobile banking, and BHIM.

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Allen, Jeff, Santiago Carbo-Valverde, Sujit Chakravorti, Francisco Rodriguez-Fernandez, and Oya Pinar Ardic. "Assessing incentives to increase digital payment acceptance and usage: A machine learning approach." PLOS ONE 17, no. 11 (November 2, 2022): e0276203. http://dx.doi.org/10.1371/journal.pone.0276203.

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An important step to achieve greater financial inclusion is to increase the acceptance and usage of digital payments. Although consumer adoption of digital payments has improved dramatically globally, the acceptance and usage of digital payments for micro, small, and medium-sized retailers (MSMRs) remain challenging. Using random forest estimation, we identify 14 key predictors out of 190 variables with the largest predictive power for MSMR adoption and usage of digital payments. Using conditional inference trees, we study the importance of sequencing and interactions of various factors such as public policy initiatives, technological advancements, and private sector incentives. We find that in countries with low POS terminal adoption, killer applications such as mobile phone payment apps increase the likelihood of P2B digital transactions. We also find the likelihood of digital P2B payments at MSMRs increases when MSMRs pay their employees and suppliers digitally. The level of ownership of basic financial accounts by consumers and the size of the shadow economy are also important predictors of greater adoption and usage of digital payments. Using causal forest estimation, we find a positive and economically significant marginal effect for merchant and consumer fiscal incentives on POS terminal adoption on average. When countries implement financial inclusion initiatives, POS terminal adoption increases significantly and MSMRs’ share of P2B digital payments also increases. Merchant and consumer fiscal incentives also increase MSMRs’ share of P2B electronic payments.

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Rashidov, Rahmatullo, and Azamjon Rustamov. "THE IMPORTANCE OF DIGITAL PAYMENTS IN THE DIGITAL ECONOMY." INNOVATIONS IN ECONOMY 4, no. 3 (March 30, 2021): 66–72. http://dx.doi.org/10.26739/2181-9491-2021-3-9.

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Advances in the field of digital payment methods have fundamentally changed their operation. These technological progressions have helped bring safer, cheaper, more stable and all-inclusive payment systems to the world. This paper provides a brief overview of digital payment systems. It also argues that government identity managements systems have a potential role in supporting more trusted and secure digital payments.The work we are doing today is also sign of the gradual transition to a digital economy

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Більше джерел

Дисертації з теми "BENIFITS OF DIGITAL PAYMENTS"

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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Анотація:

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, and 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&gt. "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&gt. "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, and 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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Анотація:

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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Анотація:

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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Анотація:

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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Книги з теми "BENIFITS OF DIGITAL PAYMENTS"

Rizaldy, Ryan, Harry Leinonen, and Tanai Khiaonarong. Operational Resilience in Digital Payments: Experiences and Issues. International Monetary Fund, 2021.

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Rizaldy, Ryan, Harry Leinonen, and Tanai Khiaonarong. Operational Resilience in Digital Payments: Experiences and Issues. International Monetary Fund, 2021.

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Kumar, Santosh. Introducing SAP Digital Payments for SAP S/4HANA. Rheinwerk Publishing Inc., 2020.

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Hines, Baxter, and Coinifide. Digital Currencies and Payments - Course #3: Finance I. Coinifide LLC, 2020.

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Digital Payments in India: Background, Trends and Opportunities. New Century Publications, 2019.

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Rizaldy, Ryan, Harry Leinonen, and Tanai Khiaonarong. Operational Resilience in Digital Payments: Experiences and Issues. International Monetary Fund, 2021.

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Alliance, Better Than Cash. Improving Humanitarian Payments Through Digital Innovation: Challenges and Opportunities. Better Than Cash Alliance, 2021.

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Kahonde, Oswell, Katherine Rickard, and Liberal Seburikoko. Scaling up Responsible Digital Payments in the Rwandan Tea Sector. Better Than Cash Alliance, 2022.

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The Digital Money Game: Competing in the multi-trillion dollar payments industry. Shift Thought Ltd, 2014.

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Huch, Stefan. Grundlagen des EU-Kartengeschäfts: Charakteristik und Innovative Geschäftsmodelle Von Digital Payments und Kartenzahlungen. Springer Fachmedien Wiesbaden GmbH, 2022.

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Scardovi, Claudio. "Digital Transformation in Payments." In Digital Transformation in Financial Services, 65–84. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-66945-8_5.

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Sharma, Manisha. "Digital Payments in India." In Industry 4.0 Technologies for Business Excellence, 191–204. Boca Raton: CRC Press, 2021. http://dx.doi.org/10.1201/9781003140474-11.

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Kaupp, Florian, and Ewa Giera. "Zahlungsverkehr: vom Überweisungsträger zu Instant Payments." In Praxishandbuch Digital Banking, 227–58. Wiesbaden: Springer Fachmedien Wiesbaden, 2017. http://dx.doi.org/10.1007/978-3-658-18890-0_11.

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Doctor, Gayatri, and Shravan Engineer. "Digital Payments: An Indian Perspective." In Information and Communication Technology for Competitive Strategies (ICTCS 2020), 821–28. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-0882-7_73.

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Graham, Donald. "Implementing Digital Payments in Smart Cities." In Integrated Electronic Payment Technologies for Smart Cities, 131–41. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-38222-2_10.

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Henningsson, Stefan, and Jonas Hedman. "Transformation of Digital Ecosystems: The Case of Digital Payments." In Information and Communication Technology, 46–55. Berlin, Heidelberg: Springer Berlin Heidelberg, 2014. http://dx.doi.org/10.1007/978-3-642-55032-4_5.

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Geva, Benjamin. "Mobile Payments and Bitcoin: Concluding Reflections on the Digital Upheaval in Payments." In Bitcoin and Mobile Payments, 271–87. London: Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-57512-8_12.

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Patil, Pushp P., Yogesh K. Dwivedi, and Nripendra P. Rana. "Digital Payments Adoption: An Analysis of Literature." In Digital Nations – Smart Cities, Innovation, and Sustainability, 61–70. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-68557-1_7.

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Fleming, Martin, Alan King, and Francis Parr. "Enterprise Payments with Central Bank Digital Currency." In Innovative Technology at the Interface of Finance and Operations, 97–130. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-81945-3_5.

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Misra, Deepak Chandra, Inder Pal Singh Sethi, Om Pradyumana Gupta, Misha Kapoor, and Ritesh Kumar Dwivedi. "Digidhan Dashboard—Monitoring and Analysis of Digital Payments." In Advances in Intelligent Systems and Computing, 91–104. Singapore: Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-0936-0_8.

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Тези доповідей конференцій з теми "BENIFITS OF DIGITAL PAYMENTS"

Nalini, R., G. Sashi Kala, S. Prakash, A. Varghese Joseph, and R. Alamelu. "Digital Payments- Embellishing Customer Experience." In 2018 International conference on computation of power, energy, Information and Communication (ICCPEIC). IEEE, 2018. http://dx.doi.org/10.1109/iccpeic.2018.8525226.

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Jain, Pranjal, Samia Ibtasam, Devanuj K. Balkrishan, Nova Ahmed, Matt Jones, Suleman Shahid, Lubna Razaq, Mark Perry, and Anirudha Joshi. "Designing Digital Payments for Next Billion Users." In CHI '20: CHI Conference on Human Factors in Computing Systems. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3334480.3381064.

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Vijayan, Akash, Akeel Mohammed Ashique, Mathew Koshy Karunattu, Ansamma John, and Manu J. Pillai. "Digital Payments: Blockchain based Security Concerns and Future." In 2020 International Conference on Smart Electronics and Communication (ICOSEC). IEEE, 2020. http://dx.doi.org/10.1109/icosec49089.2020.9215431.

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Para, Upendar, R. Krishna Srija, and A. Sowmikadurga. "Fraud detection in digital payments using data analytics." In PROCEEDINGS OF THE 1ST INTERNATIONAL CONFERENCE ON FRONTIER OF DIGITAL TECHNOLOGY TOWARDS A SUSTAINABLE SOCIETY. AIP Publishing, 2023. http://dx.doi.org/10.1063/5.0113356.

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Bhavsar, Vandana, and Pradeepta Kumar Samanta. "Sustainability of Digital Payments: Empirical Evidence from India." In 2nd International Conference on Sustainability and Equity (ICSE-2021). Paris, France: Atlantis Press, 2022. http://dx.doi.org/10.2991/ahsseh.k.220105.009.

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Dai, Jiamin, John Miedema, Sebastian Hernandez, Alexandra Sutton-Lalani, and Karyn Moffatt. "Cognitive Accessibility of Digital Payments: A Literature Review." In W4A '23: 20th International Web for All Conference. New York, NY, USA: ACM, 2023. http://dx.doi.org/10.1145/3587281.3587294.

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Sengupta, Dipankar, and Nagesh Shastri. "Digital Payments through PFMS - Facilitating digital inclusion and accelerating transformation to a 'Digital Economy'." In ICEGOV2019: 12th International Conference on Theory and Practice of Electronic Governance. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3326365.3326391.

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Seethamraju, Ravi, and Krishna Sundar Diatha. "Digitalization of Small Retail Stores - Challenges in Digital Payments." In Hawaii International Conference on System Sciences. Hawaii International Conference on System Sciences, 2019. http://dx.doi.org/10.24251/hicss.2019.621.

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Muralidhar, Srihari Hulikal. "Opportunities and challenges for creating a digital payments ecosystem." In MobileHCI '18: 20th International Conference on Human-Computer Interaction with Mobile Devices and Services. New York, NY, USA: ACM, 2018. http://dx.doi.org/10.1145/3236112.3236186.

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Li, Lingyuan. "Redesigning Digital Peer-to-Peer Payments for Social Connections." In CSCW '21: Computer Supported Cooperative Work and Social Computing. New York, NY, USA: ACM, 2021. http://dx.doi.org/10.1145/3462204.3481790.

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Звіти організацій з теми "BENIFITS OF DIGITAL PAYMENTS"

Bernad, Ludovic, Yves Nsengiyumva, Benjamin Byinshi, Naphtal Hakizimana, and Fabrizio Santoro. Digital Merchant Payments as a Medium of Tax Compliance. Institute of Development Studies, March 2023. http://dx.doi.org/10.19088/ictd.2023.011.

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Consumers in Africa increasingly pay for their purchases through mobile money, especially since the pandemic. These transactions are known as digital merchant payments. Rwandan consumers can choose between using standard mobile money services or a specific service only for digital merchant payments – MoMo Pay. Digital payments of any kind have the potential to improve tax compliance, because they imply digital data trails and better record keeping. How far is this potential being realised in Rwanda? In collaboration with the Rwanda Revenue Authority, we collected survey data from 1,100 merchants country-wide and were able to correlate this with tax administrative data, i.e. the tax records of the interviewees held by the revenue authority. We also conducted focus group discussions with 15 merchants. We found that the great majority of payments are still made in cash. Larger, more knowledgeable and financially included merchants opt for MoMo Pay as opposed to standard mobile money, the latter being preferred by female and less educated and equipped merchants. At the start of the pandemic, in March 2020, for a period of 18 months, all fees on MoMo Pay transactions were waived to foster digital payments through the service. In September 2021, fees were then reintroduced. The waiver led to a significant rise in the use of MoMo Pay relative to cash. When the MoMo Pay fee was reintroduced, there was a significant shift back to cash from both MoMo Pay and standard mobile money services, even if the latter were not affected by the fee. Lastly, we measure whether the adoption of digital payments correlates with merchants’ tax perceptions and compliance behaviour. First, we show that merchants using MoMo Pay tend to disagree with the obligation of paying taxes in order to receive public services, a measure of fiscal reciprocity. Such negative correlation is probably due to the fee imposed on MoMo Pay. Furthermore, standard mobile money usage improves the perceived ease of complying with taxes, while that is not the case for MoMo Pay. Again, the fact that fees on MoMo Pay are not clearly identifiable in MoMo Pay statements complicates merchants’ reporting and reconciliation of their activity for tax purposes. When it comes to compliance behaviour with VAT, the adoption of digital payments by merchants only improves their reported VAT sales and inputs, and only in the short term, while final VAT liability does not change. This hints at perverse compensating strategies to avoid taxes. We recommend that the tax administration better understand the adoption patterns of digital payments and incentivise usage among less equipped categories of taxpayers. The tax administration would also benefit from getting access to mobile money data to better monitor and enforce merchants’ compliance.

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Arango-Arango, Carlos Alberto, and Nicolás F. Suárez-Ariza. Digital Payments Adoption and the Demand for Cash: New International Evidence. Bogotá, Colombia: Banco de la República, June 2019. http://dx.doi.org/10.32468/be.1074.

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Megersa, Kelbesa, Ludovic Bernad, Yves Nsengiyumva, Benjamin Byinshi, Naphtal Hakizimana, and Fabrizio Santoro. Digital Merchant Payments as a Medium of Tax Compliance: RiB 87. Institute of Development Studies, May 2023. http://dx.doi.org/10.19088/ictd.2023.028.

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Digital merchant payments – transactions between traders, or between traders and customers using digital means of payment – can promote tax compliance by providing access to safer, quicker formal payments for consumers, and leaving a digital trail of sales data that can be accessed by tax administration. This study examines how far the potential of digital merchant payments to increase tax compliance is being realised in Rwanda, and whether fees imposed by mobile network operators on digital financial services (DFS) can hinder both DFS adoption and tax compliance. It uses original survey data from 1,100 merchants country-wide, administrative data from the Rwanda Revenue Authority (RRA), focus group discussions and in-depth interviews. Rwanda is an interesting context in which to study digital merchant payments, as these are expected to reach 80 per cent of GDP by 2024.1 Particularly popular are mobile money payments, performed either through the person-to-business payment option MoMo Pay or through standard personal accounts. The country’s commitment to creating a cashless economy was accelerated due to the COVID-19 pandemic. Summary of Working Paper 159.

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Alvarez, Fernando, David Argente, Francesco Lippi, Esteban Méndez, and Diana Van Patten. Strategic Complementarities in a Dynamic Model of Technology Adoption: P2P Digital Payments. Cambridge, MA: National Bureau of Economic Research, May 2023. http://dx.doi.org/10.3386/w31280.

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Santoro, Fabrizio, Laura Munoz, Wilson Prichard, and Giulia Mascagi. Digital Financial Services and Digital IDs: What Potential do They Have for Better Taxation in Africa? Institute of Development Studies (IDS), February 2022. http://dx.doi.org/10.19088/ictd.2022.003.

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New digital technologies are now being widely used in Africa and lower-income countries (LICs). This has had an impact on tax administration, which has been increasingly digitised. Specifically Digital Financial Services (DFS) and digital IDs can improve tax administration. They have the potential to identify taxpayers more easily, communicate with them better, enforce and monitor compliance, and reduce compliance costs. While the potential is clear, existing literature indicates some of the barriers. Take-up of digital technology is still low due to barriers. Also, when taking up the technology, taxpayers often tend to adopt various measures to minimise tax payments. Within tax administrations there are challenges to accessibility and use of quality data. Mistakes can be made when launching digitisation, and there are regulatory and political barriers for effective use of digital technology. Given this context, this paper summarises key questions that are relevant for research and policy development to make more effective use of digital technology in tax administration in Africa and LICs.

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Amine, Razan, and Fabrizio Santoro. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini. Institute of Development Studies, February 2023. http://dx.doi.org/10.19088/ictd.2023.006.

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To reduce physical contact, Covid-19 forced many tax authorities to embrace digital technologies for filing and payment. Pandemic control aside, e-filing and e-payment hold great promise in facilitating taxpayer compliance, increasing transparency and curbing opportunity for collusion (Okunogbe and Santoro 2021). Eswatini mandated e-filing for all income taxpayers in September 2020, through the online e-Tax platform. Subsequently, the tax administration launched a zero-cash-handling policy for tax payments in April 2021. Our paper evaluated the impact of the e-Tax mandate on income taxpayers’ filing and payment behaviour, examining the following questions: (i) What is the impact of mandating e-filing on filing and payment compliance? (ii) Are there any spillover effects on filing and payment accuracy? (iii) What are the key mechanisms that explain the results? Summary of Working Paper 140 by Fabrizio Santoro, Razan Amine and Tanele Magong.

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Wetzel, Deborah, Fátima Cartaxo, Ricardo Poppi, and Mariano Lafuente. Data-driven Digital Innovation to Strengthen Integrity: TCU’s Payroll Oversight in Brazil. Inter-American Development Bank, November 2022. http://dx.doi.org/10.18235/0004549.

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This technical note documents the Continuous Payroll Audit Initiative within Brazils Court of Accounts (Tribunal de Contas da Unio, or TCU), presents its lessons learned, and makes recommendations that could improve its results. This initiative uses digital tools such as data analytics to proactively identify and address incorrect and/or illicit payments in the federal civil service and pension payroll. As of 2021, the initiative had led to savings close to $R 2 billion (US$515 million). The study demonstrates that a small team using the right technology can be very effective in rooting out irregularities in a complex system. However, technological innovation is not sufficient to address these issues. Broader systemic reforms in information collection and compliance are required for the system to fully achieve its goals. Given these results, this case could serve as reference for other supreme audit institutions around the world that are seeking to combat fraud and corruption.

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Amine, Razan, and Fabrizio Santoro. Mandating Digital Tax Tools as a Response to Covid: Evidence from Eswatini, RiB 83. Institute of Development Studies, February 2023. http://dx.doi.org/10.19088/ictd.2023.007.

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Faith, Becky, and Tony Roberts. Managing the Risk and Benefits of Digital Technologies in Social Assistance Provision. Institute of Development Studies (IDS), February 2022. http://dx.doi.org/10.19088/basic.2022.025.

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Aid agencies, governments, and donors are expanding investment in the digitisation of their beneficiary identification and registration systems, in digitised systems for cash payments, and in the remote and algorithmic control of humanitarian and social protection programmes. This is happening in ways that may facilitate the move from humanitarian assistance to government provision and may enable the delivery of shock-responsive social protection. Yet humanitarian and social protection actors are increasingly concerned about a range of risks and accountability vacuums associated with the adoption of these technologies. While claims for the benefits of digitisation often rest on cost savings, data relating to these costs and benefits are not easily accessible. There is also an urgent need to adopt approaches to value for money in this sector that recognise the digital dignity of beneficiaries. A knowledge gap exists around how the movement towards biometric identification and algorithmic management using humanitarian and social protection data will affect the interests of vulnerable populations – so too does a gap in research that is focused on the standpoints, interests, and priorities of these populations.

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Arewa, Moyosore, and Fabrizio Santoro. An Introduction to Digital Tax Payment Systems in Low-and Middle-Income Countries. Institute of Development Studies, December 2022. http://dx.doi.org/10.19088/ictd.2022.019.

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National tax administrations are increasingly investing in the digital facilities needed to make it possible for taxpayers to go online both to file their routine tax returns (e-filing) and remit the tax payments due (e-payment). These facilities potentially benefit both taxpayers and tax administrations. This paper first maps the landscape, explaining which filing and payment technologies are used for tax collection in Africa. We then examine why these technologies are not used to their full potential. Some constraints are on the demand side. These include taxpayers’ preferences for cash and in-person relations and low familiarity with and trust in digital technology. Other constraints lie in infrastructure deficits and broader political, regulatory, and institutional factors. Unlocking the full potential of e-filing and e-payment systems thus seems to depend on meeting several pre-conditions, including solid political will, sound regulatory frameworks, reliable payment infrastructure and adequate investment in human capital. However, there is relatively little reliable evidence of the actual effectiveness of e-services in tax collection. We conclude by outlining some research priorities.

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