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Understanding cashless payments in India 被引量:1
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作者 Bappaditya Mukhopadhyay 《Financial Innovation》 2016年第1期337-362,共26页
Background:This paper analyzes India’s gradual transition towards a cashless economy.Methods:We present a theoretical model that evaluates decisions by consumers and sellers to adopt cashless payments.We then use dat... Background:This paper analyzes India’s gradual transition towards a cashless economy.Methods:We present a theoretical model that evaluates decisions by consumers and sellers to adopt cashless payments.We then use data from surveys conducted in 2011 and 2014(from World Bank’s Global Findex),as well as household and enterprise surveys conducted in 2009-2010 to estimate the amount of cashless transactions prevalent in India and identify the avenues that are successful and those that are not.We analyze instruments(cards versus point-of-sale versus mobile),micro units(individuals versus households versus retailers),and sectors to identify and estimate the enablers and bottlenecks.Results:We find that the most crucial enabler of cashless payments are inflows of funds into the accounts.Conclusion:Based on our findings,we suggest possible policy interventions. 展开更多
关键词 cashless transactions SURVEY Network effect
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Towards the Advancement of Cashless Transaction: A Security Analysis of Electronic Payment Systems
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作者 Iffath Tanjim Moon Muhammad Shamsuzzaman +1 位作者 Muhammad Musfiqur Rahman Mridha Abu Sayed Md. Mostafizur Rahaman 《Journal of Computer and Communications》 2022年第7期103-129,共27页
In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a ca... In recent decades, day-to-day lifestyle requires online payments as easy and simple solutions to several financial transactions, which makes the concept of Electronic payment Systems very popular in the growth of a cashless society. In fact, cashless transactions through simple mobile apps are not merely a concept anymore rather are implemented robustly and being used extensively. On the dark side, obvious financial benefits are making these apps vulnerable to being attacked, which can be successful through security breaches. These cybersecurity issues need to be traced out and resolved to make the financial transactions through an app secure and trustworthy. In this paper, several related papers are analyzed to trace out possible cybersecurity issues in the domain of Electronic Transaction System. The objective is to establish sufficient theoretical background to propose methodologies for measuring security issues and also identify the security strength of any FinTech application and provide standard security metrics. 展开更多
关键词 Fintech Apps CYBERSECURITY cashless Transaction Mobile Banking Electronic Payment
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The Effect of COVID-19 on Cashless Payments
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作者 Dmitry Ganzha 《Sociology Study》 2022年第6期227-238,共12页
The outbreak of the SARS-CoV-2 coronavirus(COVID-19)has impacted the whole world.To stop the virus’s spread,governments enforced regulations requiring face masks and social isolation and also promoted social seclusio... The outbreak of the SARS-CoV-2 coronavirus(COVID-19)has impacted the whole world.To stop the virus’s spread,governments enforced regulations requiring face masks and social isolation and also promoted social seclusion,hand-washing,and other hygienic measures.People’s movements and consumption were significantly reduced as a result of government-imposed lockdowns,with internet purchasing overtaking in-store purchasing in a particularly noticeable way.Most importantly,people’s habits during times of restrictions and lockdowns seemed to reduce overall desire to do cash transactions.Cashless transactions became the most preferred option for daily payment as it helped reduce contact with others and prevent them from becoming infected.These factors contribute to future intentions to eliminate cash payments once the pandemic is ended as well as the choice of payment methods currently in use.Even after the pandemic,people are using digital cashless payments for their daily transactions.This study investigates the impact of the coronavirus on consumer demand for cash and cashless payments during the COVID-19 crisis and beyond.This study utilizes the secondary research method by employing the annual statistical report of European Central Bank(ECB)(2021).The data were extracted from the warehouse of ECB,and rigorous analysis was performed to assess the intentions of customers for using digital transactions for payments.In the study,a regression analysis shows that a greater increase in the number of cards used for payment per year occurred during the COVID-19 pandemic than before the pandemic.The study demonstrates that there was a significant correlation between the adoption of cashless payment systems and the restrictions imposed on consumers because of the pandemic.Customers prefer cashless transactions when there is a higher danger of infection while handling cash. 展开更多
关键词 cashless payments COVID-19 PANDEMIC CASH DIGITAL payments regression ANALYSIS
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From Cashless to Staffless
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作者 Deng Yaqing 《Beijing Review》 2017年第32期36-37,共2页
With an increasing number of consumers in China not carrying cash when going shopping. the value of mobile payments has skyrocketed over the past years, reaching $5.2 trillion in 2016. Could it also mean that cashiers... With an increasing number of consumers in China not carrying cash when going shopping. the value of mobile payments has skyrocketed over the past years, reaching $5.2 trillion in 2016. Could it also mean that cashiers are on their way out, becoming a phenomenon ofyesteryear? 展开更多
关键词 From cashless to Staffless STORE
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“电子钱包”让人花钱更多?——手机支付的心理账户效应 被引量:22
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作者 张美萱 吴瑞林 +3 位作者 张涵 田奕真 杨鹿野 姚唐 《心理科学》 CSSCI CSCD 北大核心 2018年第4期904-909,共6页
为探究手机支付使用者消费增加的现象及其心理账户效应,使用计算机程序对114名被试进行了三项模拟购物实验。实验发现:(1)手机支付组被试的商品消费次数和金额都显著高于现金支付组被试。(2)手机支付时被试不会对大金额的消费进行控制,... 为探究手机支付使用者消费增加的现象及其心理账户效应,使用计算机程序对114名被试进行了三项模拟购物实验。实验发现:(1)手机支付组被试的商品消费次数和金额都显著高于现金支付组被试。(2)手机支付时被试不会对大金额的消费进行控制,对大钱和小钱的花费不存在显著差异。(3)手机支付的意外收入组被试消费次数和金额显著高于常规收入组被试,且更多用于享乐型消费。 展开更多
关键词 手机支付 心理账户 支付痛感 无现金社会
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高职院校无现金报账模式的探索与实践——以青岛职业技术学院为例
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作者 王雪飞 《青岛职业技术学院学报》 2015年第4期41-43,共3页
高职院校实行无现金报账是对传统财务报销支付方式的颠覆性变革,是信息化社会发展的必然趋势。基于对无现金报账实施背景和效果的分析,以青岛职业技术学院为例,从网络管理、制度改革和设备升级等方面提出一系列完善无现金报账系统运行... 高职院校实行无现金报账是对传统财务报销支付方式的颠覆性变革,是信息化社会发展的必然趋势。基于对无现金报账实施背景和效果的分析,以青岛职业技术学院为例,从网络管理、制度改革和设备升级等方面提出一系列完善无现金报账系统运行的建议。 展开更多
关键词 无现金报账 财务报销 资金结算
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错误汇款中的不当得利问题分析
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作者 郑艳 《安徽职业技术学院学报》 2016年第2期46-48,共3页
在银行无过错地按指示进行汇款的错误汇款案件中,不当得利关系存在于汇款人与收款人之间,收款人为对银行债权的准占有人,错误汇款人有权要求收款人返还该不当得利。若在该类型错误汇款中,汇入银行在错误汇款记入收款人账户后,在不知也... 在银行无过错地按指示进行汇款的错误汇款案件中,不当得利关系存在于汇款人与收款人之间,收款人为对银行债权的准占有人,错误汇款人有权要求收款人返还该不当得利。若在该类型错误汇款中,汇入银行在错误汇款记入收款人账户后,在不知也不应知其为错误汇款的情况下,根据其与收款人之间的"综合授信合同"对收款人的账户进行划扣的,亦发生清偿效果,银行并无不当得利,不当得利关系仍存在于汇款人与收款人之间,收款人的不当得利为对汇入银行债务负担的减轻。 展开更多
关键词 错误汇款 存款属性 债权让与 债权准占有
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从M0变动趋势预测中国“无现金社会”发展 被引量:5
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作者 孙立坚 杨洁萌 《上海经济研究》 CSSCI 北大核心 2019年第2期76-84,共9页
随着近年来金融创新和电子支付的迅猛发展,20世纪中期就提出的"无现金社会"正在加速变为现实。本文首先运用时间序列分析法对中国1990年至2017年的流通中现金M0数据进行长期趋势分析,计算M0与M1、M2、GDP、居民储蓄余额和社... 随着近年来金融创新和电子支付的迅猛发展,20世纪中期就提出的"无现金社会"正在加速变为现实。本文首先运用时间序列分析法对中国1990年至2017年的流通中现金M0数据进行长期趋势分析,计算M0与M1、M2、GDP、居民储蓄余额和社会零售商品总额等五大比率,实证M0及M0与相关指标比率的持续下降趋势;其次,分析了银行卡普及、互联网移动支付迅猛发展,测算了非现金支付工具对现金的替代量;再次,分析了中国通往"无现金社会"的阻滞因素,指出"无现金社会"不是完全没有现金的社会,而是现金使用比例相对稳定在较低水平的社会,并运用Logistic阻滞增长模型对M0的饱和值进行了预测,得出中国"无现金社会"将在2035年前后到来的结论;最后针对"无现金社会"的挑战提出了对策建议。 展开更多
关键词 无现金社会 流通中现金(M0) 趋势预测 时间序列分析 阻滞增长模型
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基于.NET技术的无现金报销处理系统 被引量:2
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作者 苏艳 孙慧瑜 《自动化与仪器仪表》 2015年第7期132-133,共2页
报销处理是高校财务管理中一项耗时较长的日常工作,根据实际业务需求,基于.NET技术使用C#语言,采用C/S结构开发了无现金报销处理系统。该系统保证了转账信息的准确性,同时极大地提高了工作效率,效果极为明显。
关键词 无现金报销 C/S结构 .NET
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日本无现金支付的推广状况与前景分析 被引量:3
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作者 姜瑛 《现代日本经济》 CSSCI 北大核心 2020年第5期55-71,共17页
推广无现金支付是日本国家复兴战略和未来投资战略中的重要一环,也是安倍经济学"三支箭"的关键内容之一。2018年日本经济产业省发布《无现金愿景》,由此拉开了日本加速推广无现金支付的序幕。为了改变"无现金支付落后国... 推广无现金支付是日本国家复兴战略和未来投资战略中的重要一环,也是安倍经济学"三支箭"的关键内容之一。2018年日本经济产业省发布《无现金愿景》,由此拉开了日本加速推广无现金支付的序幕。为了改变"无现金支付落后国家"的形象,日本政府出台一系列国家发展规划纲要,强力推进金融科技(FinTech);金融机构促进法律法规的健全,为无现金社会的构建打造良好的实施环境;无现金支付服务行业开启多样化无现金支付手段的"战国时代";官产学一体无现金支付推广协会协助推广"无现金支付返现措施"。日本无现金支付的推广取得了一定的成果。然而,消费税税率的提升和全球突发公共卫生事件对日本经济的影响给无现金支付的推广带来了诸多不确定性;另外,对现金高度依赖的社会环境、实体店铺等商家对成本和收益的担忧、消费者对改变消费习惯的不安和对个人信息安全的谨慎、无现金支付服务商对推广成本和特殊商业习惯的顾虑等都将成为日本继续推广无现金支付的阻力。 展开更多
关键词 日本 金融科技 无现金支付 复兴战略 无现金支付返现措施
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