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Empowerment or Exposure? Digital Literacy and the Vulnerabilities of Trust in Strangers Among Older Adults: Evidence from China. [PDF]
Gao K, Zhang H, Cheng Z, Tang B.
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Does Digital Make a Difference? Willingness-to-Pay for Digital Versus Offline Weight Loss in Germany. [PDF]
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Digitization of Retail Payment
SSRN Electronic Journal, 2010The rapid proliferation of electronic payment media continues to change the way consumers shop and merchants sell goods and services. Many policymakers and economists agree that the digitization of payments is socially beneficial. However, there is considerable debate regarding the optimal pricing of these payment services.
Wilko Bolt, Sujit Chakravorti
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Oxford Review of Economic Policy
AbstractDespite the rapid growth in digital payments (DP) adoption and its positive socio-economic impacts in low-income countries, a large portion of the population remains disconnected from DP. At the same time, usage of DP conditional on adoption is low, highlighting the unexplored potential for financial inclusion and economic advancement.
Varun Kesavan, Srinivasan K. Sakthi
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AbstractDespite the rapid growth in digital payments (DP) adoption and its positive socio-economic impacts in low-income countries, a large portion of the population remains disconnected from DP. At the same time, usage of DP conditional on adoption is low, highlighting the unexplored potential for financial inclusion and economic advancement.
Varun Kesavan, Srinivasan K. Sakthi
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The Liquidity Premium of Digital Payment Vehicle
Management Science, 2022Do digital payment technologies generate liquidity premia like cash and Treasury? We provide an estimate in the context of the world’s largest digital payment platform, Alipay. Our empirical strategy exploits the variation in the timing of the introduction of money market funds that users on this platform can hold and use for digital transactions.
Zefeng Chen, Zhengyang Jiang
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Digital certificates and payment systems
Information Security Technical Report, 1998Abstract This article provides a brief overview of the kinds of digital certificates that are used in some electronic payment systems; namely S.W.I.F.T., CHAPS, EMV and SET. These electronic payment systems use public key certificates to protect the integrity and confidentiality of payment and key management messages.
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Unlocking the payment experience: Future imaginaries in the case of digital payments
New Media & Society, 2021This article explores sociotechnical imaginaries of digital payments. Drawing on a decade of reports from industry consultants, the analysis of stories on digital payments identifies three sociotechnical imaginaries that shape the banking and payment industry: data monetization, the growth of digital payments, and the payment experience.
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