Search Results - subject_exact:"Noncash payments"

Central bank digital currency as a new means of payment : an experimental approach

Magin, Jana; Neyer, Ulrike; Stevens, Alexandra - 2026

Many Central banks around the world are considering the introduction of a Central Bank Digital Currency (CBDC) as a new means of payment. One of the reasons for introducing a CBDC is a change in payment behavior towards an increasing use of electronic forms of payment. This paper examines the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015618518

SME entrepreneurs’ continuance use of digital payment tools : an integrated TAM-PAM model with sustainability attitude and satisfaction as a dual mediator

Sultana, Nahida; Haque, Afruza; Rupa, Rasheda Akter - 2026

Digital Payment Tools (DPTs) are increasingly promoted as catalysts for financial inclusion, operational efficiency, and sustainable growth among Small and Medium Enterprises (SMEs) in developing economies such as Bangladesh. However, prior research predominantly treats DPT adoption as a static...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015654667

Cashing in on cashless: different pathways to cashless payments in the Global South

Brandl, Barbara; Moreno, Guadalupe - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549199

Social protection and social distancing during the pandemic : mobile money transfers in Ghana

Karlan, Dean; Lowe, Matt; Osei, Robert Darko; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015560311

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Social protection and social distancing during the pandemic : mobile money transfers in Ghana

Karlan, Dean; Lowe, Matt; Osei, Robert Darko; … - 2022

Book / Working Paper

Social Protection and Social Distancing During the Pandemic : Mobile Money Transfers in Ghana

Karlan, Dean; Lowe, Matt; Osei, Robert Darko; … - 2022

Book / Working Paper

Social protection and social distancing during the pandemic : mobile money transfers in Ghana

Karlan, Dean; Lowe, Matt; Osei, Robert Darko; … - 2022

Book / Working Paper

Social Protection and Social Distancing During the Pandemic : Mobile Money Transfers in Ghana

Karlan, Dean; Lowe, Matt; Osei, Robert Darko; … - 2022

Book / Working Paper

From cash to crypto: towards a consistent regulatory approach to illicit payments

Minto, Andrea; Kosse, Anneke; Shirakami, Takeshi; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609560

Mobile financial services : paying with my palm$das simple as that!

Avornyo, Philip; Xiao, Lin; Opata, Christian Narh; … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676210

Selected European law challenges related to the use of artificial intelligence payment agents

Grabowski, Michał; Costea, Iulia - 2026 - Version: 26 February 2026

This article examines the EU-law challenges arising from the use of artificial intelligence for payment initiation and execution (“Payment Agents”) under European Union law. It focuses on Payment Agents that support purchasing workflows and are capable of initiating payments in both...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612290

Trust, privacy, and adoption : a global policy framework for central bank digital currencies

Ahmad, Alam - 2026

Central Bank Digital Currencies (CBDCs) have transitioned from theoretical concepts to operational realities across multiple jurisdictions. While they promise improved payment efficiency and financial inclusion, public trust, privacy, and user adoption have emerged as the critical determinants...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016062629

Factors and patterns in mobile banking and payment services use in the United States

Sinha, Gaurav R.; Mehta, Raj Chirag; Kaittila, Anniina; … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015486142

Adoption and welfare effects of payment innovations : the case of digital wallets in Peru

Andia, Arturo; Aurazo, Jose; Paliza, Marcelo - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015613787

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Adoption and welfare effects of payment innovations: the case of digital wallets in Peru

Andia, Arturo; Aurazo, Jose; Paliza, Marcelo - 2025

Book / Working Paper

Assessing the factors that promote adoption and use of a CBDC wallet : evidence from Peru

Cerón, Marcos; Paliza, Marcelo; Sánchez, Elmer - 2026

This paper examines the determinants of Central Bank Digital Currency (CBDC) wallet usage and evaluates the impact of a retail CBDC pilot implemented by the Central Reserve Bank of Peru (BCRP) in regions with low levels of financial inclusion. As of August 2025, the pilot reached approximately...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615790

Post-COVID-19 : leveraging digital payment services for a sustainable future through bibliometric analysis

Bhopal, Rachna; Nazma; Devi, Rita - 2025

The study aims to uncover the factors driving the increased use of digital payments during the pandemic and provide insights into the evolution of India's payment ecosystem with sustainable development goals.Utilizing a bibliometric analysis framework, the study examines a dataset of 418 papers...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549039

Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026

This paper investigates the degree to which merchants influence consumers' choice of how they pay for transactions. Using data from the Survey and Diary of Consumer Payments Choice, we examine consumers' adherence to their preferred payment method when making in-person transactions. We also...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015604580

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Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026 - This version: January 2026

Edition: This version: January 2026

Book / Working Paper

Thank you, government! : your support facilitated my intention to use mobile payment in the new normal era

Ling, Pick Soon; Lim, Xin Jean; Wong, Lim-Jin; Kelvin … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015190397

Virtual (additional) IBANs : opportunities and money laundering risks

Manna, Michele - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015605057

The rise of FinTech and the journey toward a cashless society : investigating the use of mobile payments by SMEs in Oman in the context of Vision 2040

Al Ghunaimi, Hisham; Al Maqtari, Faozi A.; Wesonga, Ronald - 2025

This study investigates the factors that affect the adoption of mobile payment systems in Oman, focusing specifically on small and medium-sized enterprises (SMEs) within the expanding FinTech landscape. By utilizing secondary sources of data from the Central Bank of Oman and global FinTech...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015406616

Who owns crypto in the euro area? : drivers of crypto adoption, payment use, and its interaction with fiat cash

Zamora-Pérez, Alejandro - 2026

Using a survey of 39,507 adults in 17 euro-area countries, I find that crypto-asset owners and the niche subgroup of payers have distinct profiles. Owners - typically younger, male, and financially active - exhibit mixed preferences, valuing both cash-like privacy and card-like speed. Crypto...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015626943

Digital payments trust in Latin America and the Caribbean

Rubio, Jeniffer; Tulcanaza Prieto, Ana Belén - 2025

The adoption of electronic payments has increased globally, driving economic growth by enabling smoother transactions. Digital payments enhance speed, security, trust, and efficiency, prompting governments to implement policies that promote financial inclusion through new payment technologies....

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015410228

How do some lower-income Canadians pay

Buckland, Jerry; Henry, Christopher; Nur, Wendy; … - 2026 - Last updated: March 3, 2026

Previous research suggests that lower-income Canadians may have unique experiences with the use of payments, including the use of cash and digital payments. We conduct a case study using data from the Canadian Financial Diaries (CFD) project to gain insight into how some lower-income Canadians...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015638045

Exploring the use of crypto-assets for payments

Koutrouli, Eleni; Manousopoulos, Polychronis - 2025

This paper explores the current use of crypto-assets for payments, focusing mostly on unbacked crypto-assets, while selectively referring to stablecoins. Although some specific characteristics of crypto-assets, such as their price volatility and unclear legal settlement, render them unsuitable...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015432757

Emerging Capabilities in Fast Payments : NFC and Offline Payments

2026

The World Bank's Fast Payment Systems (FPS) Toolkit, supported by the Gates Foundation, is a comprehensive resource designed to guide countries and regions in their policy and implementation choices as they develop fast payment systems. Available at fastpayments.worldbank.org, the toolkit...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641164

Analyzing influence factors of consumers switching intentions from cash payments to Quick Response Code Indonesian Standard (QRIS) digital payments

Bachri, Ahmad Alim; Maulida, Mutia; Sari, Yuslena; … - 2025

The COVID-19 pandemic has precipitated several challenges, prompting the Indonesian government to enact rules aimed at minimizing direct contact to mitigate the spread of COVID-19, which has also affected transactional activities. Transactions conducted using a digital wallet represent a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015436943

A systematic literature review on payment methods in hospitality and tourism

Wang, Ruoyuan; Chan, Chung-Shing - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015439248

Who Pays for Payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

We use novel data on the composition and cost of payments across U.S. merchants to quantify consumer redistribution in the payment system. Cards charge interchange fees to merchants to fund consumer rewards. When merchants raise prices for all consumers in response to these costs, users of...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015639388

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Who Pays for Payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Book / Working Paper

Who pays for payments?

Egan, Mark L.; Matvos, Gregor; Seru, Amit; Wang, Lulu; … - 2026

Book / Working Paper

Carrot and stick : impact of regulations, subsidies, and obligations on the development of cashless payments in poland

Polasik, Michal; Kotkowski, Radoslaw; Manikowski, Arkadiusz - 2025

Between 2012 and 2024, Poland-once a laggard in cashless payments among EU countries-underwent a profound transformation. The per capita number of cashless transactions at physical points of sale increased more than eightfold, rising from approximately 30 to over 250 per year, surpassing the EU...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015458695

Interchange fees in payment networks : implications for prices, profits, and welfare

Hunt, Robert M.; Serfes, Konstantinos; Zhang, Yin - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015650620

Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015666906

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Locked out by loyalty : entry deterrence through rebates in payment card markets

Lubbersen, Vera - 2026

Book / Working Paper

Will the use of cashless subsidy potentially reduce illegal underground economy activity? : a case study in Indonesia

Wibowo, Joshi Maharani; Hariadi, Sugeng - 2025

Purpose - This study was conducted to understand the potential of cashless subsidy to reduce illegal underground economy activity in Indonesia. Research methodology - The research was done through a qualitative approach then analyzed based on the content analysis and sentiment analysis using...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015444760

Affordability of cash : from stocktaking to why and how

Rösl, Gerhard; Seitz, Franz - 2026

This paper analyzes the affordability of cash in an international context. After outlining why cash should remain a core component of a diversified payment mix within a resilient and efficient payment system, we discuss methodological challenges associated with measuring the costs of payment...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015636428

Strategic digitization in currency and payment competition

Cong, Lin William; Mayer, Simon - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015567693

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Strategic Digitization in Currency and Payment Competition

Cong, Lin William; Mayer, Simon - 2025

Book / Working Paper

Digital payments and economic performance : evidence from Italy

Ardizzi, Guerino; Lippi Boncambi, Niccolò; Demma, Cristina - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015637431

Trust and cybersecurity in digital payment adoption : socioeconomic insights from India

Aljaradat, Aya; Shukla, Sandeep K. - 2025

Purpose - This study examines the behavioral and contextual determinants influencing digital payment trust and perceived cybersecurity (DPTS) in India, focusing on the roles of ease of use, perceived benefits, social influence and grievance redressal mechanisms. It further explores how DPTS,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015592425

Demand for cash in Rwanda : developments and prospects

Nyalihama, Christian; Kamanzi, Callixte - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015595620

Indian experience of fostering competition through state intervention : lessons from card payment system and unified payments interface

Iyer, Chidambaran G. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676304

Frontiers of digital finance

2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015549075

Moving toward a cashless society via e-payment : an extended technology acceptance model

Sumaya, Sanjida; Al Masud, Abdullah; Hossain, Md. Alamgir; … - 2025

This study extends the technology acceptance model (TAM) to identify factors impacting the ongoing use of electronic payment (e-payment) systems in Bangladesh in order to create a cashless society.Data were acquired from 442 Bangladeshi e-payment consumers. Structural equation modeling (SEM) and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015550950

The arduous path to moneyness : cryptocurrencies compared to mobile money

Lapabitsas, Kōstas - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015553621

Consumer adoption and use of payment technology : convenience benefits vs. security concerns

Brown, Martin; Felber, Laura; Meyer, Christoph - 2025 - This version: March 2025

Convenience and security are the two key attributes that consumers consider when choosing between payment technologies. We examine how consumers react to an exogenous change to the convenience and security of digital payments. We study an increase in the 'tap-and-go' limit for contactless...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015337960

Determinants in adopting cashless payments in Europe : a multilevel analysis

García-Merino, Jose Domingo; San-José, Leire; … - 2025

The use of electronic currency for transactions, denoting a cashless paradigm, has become increasingly common. However, this financial innovation is not prevalent in all countries. This study aims to explain the discrepancies across countries, including individual and country factors. It may be...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015557954

Payment literacy pays off : higher trust and financial inclusion

Cruijsen, Carin van der; Haan, Jakob de - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015338898

The digital retail payment market is changing

Kjemtrup, Frederik Ræbild - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015357152

Conceptualizing digital finance as a precursor for financial inclusion and financial service usage in Uganda

Nagaaba, Nickson; Batamuriza, Rehema; Basuta, James; … - 2025

This study conceptualizes digital finance as mobile banking, mobile money, and agent banking in the context of Uganda, and quantifies their influence on the usage levels of financial services. Data were collected from 290 lead households from 15 districts of Uganda, benefiting from the Uganda...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015607671

The role of electronic payment methods in enhancing financial inclusion

Huby, Maysaa saad Jawad; Ibrahim, Lamyaa Ali; Abbas, … - 2025

Iraq faces numerous challenges in implementing electronic payment methods due to its slow development of nonfinancial institutions; increased poverty rate, low rate of awareness about formal banking system, weak technical infrastructure, lack of economic stability and political instability. This...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625966

Analysis of the payment habits in Malta

Savo, Stefano; Galea, Brenda Lee - 2025

This paper presents the findings derived from a comprehensive survey conducted by the Central Bank of Malta, in collaboration with the National Statistics Office, with the aim of analysing payment habits in Malta. The research explores individuals' perspectives on various aspects, including...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015358580

Cashless payments in India : the UPI story

Purnanandam, Amiyatosh - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015635479

Rationalizing firm forecasts

Bloom, Nicholas; Codreanu, Mihai; Fletcher, Robert A. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015326952

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Rationalizing Firm Forecasts

Bloom, Nicholas; Codreanu, Mihai; Fletcher, Robert A. - 2025

Book / Working Paper

Fast payments and financial inclusion in Latin America and the Caribbean

Aurazo, José; Franco, Cecilia; Frost, Jon; McIntosh, Jamere - 2025

Most countries in Latin America and the Caribbean are implementing fast payment systems (FPS), often with the goal of enhancing access to and use of affordable financial services. FPS offer immediate transfer of funds on a 24x7 basis between end users. This paper assesses how FPS can promote...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015327794

Does digital payments reduce the risk of money laundering? : the role of financial sector development

Eriqat, Ibrahim O. A.; Khatib, Saleh F. A.; Abbas, … - 2025

This study examines how financial sector development mediates the relationship between digital payments and money laundering. The current study relies on a sample of 120 countries, including both developed and developing economies, for the years 2014, 2017, and 2021. The findings reveal that...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015481227

A technical examination of non-ledger-based payment systems

Tamura, Yuko; Abe, Masayuki; Okuda, Tetsuya; Tsugawa, … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015463322

Circulation status of the new series of Bank of Japan notes

2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015573599