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Unlocking the payment experience: Future imaginaries in the case of digital payments
New Media and 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.
Sophie Mutzel
exaly +2 more sources
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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Impact of Digital Payment Factors on Users of the GoPay Digital Payment Platform
Journal of Corporate Finance Management and Banking SystemThis research aims to analyze impact of digital payment factors on users of the GoPay digital payment platform. This research is included in the type of quantitative research. The population in the study is users of the GoPay digital payment platform. Because the exact number of users of the GoPay digital payment platform is unknown, a saturated sample
Teguh Prakoso +4 more
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Communications of the ACM
Problems with digital payment systems have the potential to seriously disrupt otherwise seamless transactions.
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Problems with digital payment systems have the potential to seriously disrupt otherwise seamless transactions.
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Digitization of Retail Payments
2012The 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
openaire +1 more source