Online Payment Services Research Articles

Mengoptimalkan Implementasi UU No. 27 Tahun 2022 Dengan Penetration Test Dan Vulnerability Assessment Pada Kasus Pembobolan Data Aplikasi Dana

Data security in digital financial applications such as mobile banking, e-wallets, and online payment services is very important. However, there are many security risks lurking. Irresponsible parties can exploit security gaps to steal personal information. The ITE Law regulates the limitations, obligations, and responsibilities of parties involved in electronic systems, including service providers, data managers, and users as well as sanctions for cybercriminals. One of the main weaknesses in a financial application is the lack of strict and consistent security standards. Due to the many acts of cybercrime, it is important for companies to take preventive measures, one of which is through Vulnerability Assessment and Penetration Testing (VAPT). VAPT can help identify and fix vulnerabilities in applications before they are exploited by cybercriminals

Determinantes de la satisfacción del usuario en plataformas de pago en línea

The objective of this study was to examine the factors influencing user satisfaction with digital payment methods in emerging contexts. Data were collected through 258 surveys conducted with Mexican users and were analyzed using multiple linear regression. The results indicate that security and privacy, customer service, convenient payment, and information quality are factors that determine user satisfaction with online payment methods. This research contributes to the analysis of user experiences of online payment services for the acquisition of products and services over the internet.

Adoption Of Online Payment Services Based On Perceived Risk And Customer Awareness

Adoption Of Online Payment Services Based On Perceived Risk And Customer Awareness

Evaluasi Pelaksanaan Pemungutan, Prosedur Pencatatan dan Monitoring Realisasi Penerimaan PBB-P2

This research aims to gain knowledge regarding how collection is carried out, recording procedures and monitoring the realization of PBB-P2 revenues in Lamongan Regency. This research was carried out at the Lamongan Regency Regional Revenue Agency. The method in this research uses qualitative methods using primary and secondary data sources obtained through documentation, observation and interviews. In data analysis, data reduction is used and data validation uses source, time and technique triangulation. Research results The implementation of PBB-P2 collection is effective, The recording procedure is systemized and uses the SiPaLin and Sakti applications, Monitoring activities have an influence on the realization of PBB-P2 revenue. In carrying out the collection, BAPENDA has opened an online payment service. The recording procedure is in line with PP No. 71 of 2010 concerning SAP, the recording system uses 2 software systems, namely SiPaLin and Sakti. Monitoring activities are carried out through feedback on the realization of revenues from sub-districts and also providing rewards/gifts to sub-district or village heads who successfully pay according to certain criteria and also providing fines for any late payment of PBB-P2 tax.

Obstacles, Assistance, and Impact of Inclusive Finance Implementation

In today's rapidly developing financial products and services, various financial products and services meet the basic financial needs of the public. However, in many developing countries, there is still a great number of people who are unable to access the most basic financial products and services, such as opening their own bank accounts, using online payment services, obtaining credit and insurance, etc. Therefore, the promotion of inclusive finance is particularly important which is of advantage to promote economic growth and poverty reduction, enhance social justice and social development, and strengthen the economic security of individuals and families. This essay tries to discusses the favorable and unfavorable reasons for the development of inclusive finance, as well as the impact of inclusive finance development, which using of reference to research on the inclusive finance implementation. This essay aims to spread awareness of inclusive finance and make people correctly aware of the importance of financial products and services and the necessity of promoting inclusive finance.

Fintech: Digital Transformation in Finance

This paper provides an overview of the rapidly expanding fintech sector and its impact on traditional financial services. Fintech has emerged as a customer-centric business model in response to the shortcomings of conventional financial services during the financial crisis and COVID-19. The fintech industry has created prospects in a variety of areas, including blockchain (specifically cryptocurrencies), robo-advisors, online payment services, and peer-to-peer lending platforms. However, the quick expansion of fintech also comes with risks, and investment decisions must be made carefully, considering project duration and volatility. Risk management is crucial to preserving financial stability, and legal oversight is necessary. Machine learning and deep learning techniques can be employed to recognize and mitigate these risks. Banking institutions must take precautions to protect customer data and manage unforeseen operations. The fintech sector has the potential to transform the financial industry while maintaining long-term financial health through a balance of innovation, regulatory monitoring, and financial stability.

Online Cloth Store

The "Online Cloth Store" is an e-commerce platform designed to allow users to browse and purchase clothing items from a variety of brands and retailers. The platform features a range of clothing options for men, women, and children, including tops, bottoms, dresses, and outerwear. The Online Cloth Store includes a number of features to make the shopping experience convenient and user-friendly. Some of these features include. A search function that allows users to search for specific items or browse through categories such as style, brand, or size. A wish list feature that allows users to save items for later purchase or to share with friends and family. A shopping cart that allows users to add items to their cart and proceed to checkout when they are ready to make a purchase. A payment gateway that supports a variety of payment methods, including credit cards, debit cards, and online payment services. A customer service system that provides assistance to users with questions or issues related to their purchases. The Online Cloth Store aims to provide users with a convenient and hasslefree shopping experience, while also offering a wide selection of clothing items at competitive prices. It is intended for use by individuals looking to purchase clothing items for themselves or as gifts for others.

Development of Marketplace Product Data Mining and Analysis Application as a Reference in Running a Business

<p><strong>Marketplaces has become the first choice as a third party that provides online selling and payment services that bridge sellers and buyers. The increasing need to shop in an efficient and convenient way has driven the popularity of using the marketplace. Moreover, with a variety of products and a fast transaction process, and more competitive prices, the use of the marketplace has shown significant growth in activity by the wider community. </strong><strong>With the increasing use of marketplaces, data analysis from marketplaces is becoming a key element to understand market trends and make informed transaction decisions. Data analysis systems based on bot technology and Web-Scrapping libraries, such as Puppeteer, allow users to perform data analysis more efficiently and quickly, minimize the need for a data analysis team, and reduce time and costs. Given these factors, this research focuses on developing a web-based application that can analyze data coming from marketplaces and present it to users quickly and accurately.</strong><strong></strong></p>

Các nhân tố ảnh hưởng đến quyết định sử dụng thanh toán trực tuyến trên sàn thương mại điện tử của thế hệ Gen Z trên địa bàn Thành phố Hà Nội

In today’s evolving e-commerce landscape, online payment methods are becoming more and more attractive to users. This study was conducted to determine the factors affecting the decision to use online payment services on the e-commerce platform of the Gen Z generation in Hanoi affecting the decision to use online payment services on the e-commerce platform of the Gen Z generation in Hanoi. Survey data for the period January 2023, to February 2023 from 315 Gen Z subjects studying and living in the area and using linear regression to test the factors. The results show that the expected effects, social influence, trust in retailers, add-ons benefits have the positive impact, meanwhile cash habits have a negative impact on the Gen Z generation’s decision to use online payment on the e-commerce floor in Hanoi city. On this basis, the authors propose to improve the quality of the method of online payment on e-commerce platforms.

Quality of service, tax outreach, and online payment systems: do they affect taxpayer compliance with land and building taxes (PBB) in the Regional Revenue Agency in the central region of Bandung City?

The study's objective was to examine how customer satisfaction, tax socialization, and online payment methods affected taxpayer compliance at Bapenda in Bandung City's Central Region. By distributing questionnaires based on the variables being measured, this study adopts a quantitative methodology. 100 taxpayers from Bandung City Bapenda's Central Region served as the study's sample. The SPSS 25.0 version is used to process the collected data. Additionally, descriptive analysis, the traditional assumption test, multiple linear regression analysis, and the coefficient of determination test were all used in the data analysis for this study. According to the study's findings, online payment methods, tax socialization, and service quality all have a favorable and considerable simultaneous impact on taxpayer compliance.

Study on online payments and e-commerce with SOR model

PurposeThe main purpose of this paper is to explain the preferences of consumers for using online payment services. This paper applies a unified theory model named stimulus-organism-response (S-O-R) theory for exploration.Design/methodology/approachThis is quantitative research based on the structural equation modelling method. The stimulus-organism-response (S-O-R) theory was applied, whereby the author conducted an online survey through a structured questionnaire with users of mobile payment services. These consumers are using online payments for online shopping purposes. The survey was conducted all over India. The sample size is 355.FindingsThe study found that utilitarian, hedonic value and salesperson behaviour impact consumers satisfaction and behaviour while using online payment services. The study found that there is a significant direct relationship between consumer satisfaction and consumer behaviour. This study examines how financial mobile services contribute to e-commerce implementation, especially in the context of India.Practical implicationsThis study incorporates a variety of factors, including the behaviour of salespeople, which affect consumer happiness, satisfaction and behaviour intention. This study reveals a direct relationship between consumer satisfaction and behavioural intention. Accordingly, the use of mobile banking and digital financial services has a positive impact on customer satisfaction. This study suggested that awareness about e-commerce services and mobile financial services is an important aspect of consumers satisfaction. Effective e-commerce services and mobile financial services have a positive impact on consumer behaviour.Originality/valueThis is a comprehensive model used for online payment services and directly related to emerging economies like India. This study examines the consumer willingness of the digital market in relation to online payment services. This study contributes to the relevant literature by simultaneously examining the role of e-commerce platform characteristics and online consumer psychology in influencing behavioural intention. Numerous factors have been revealed by this investigation.

Coalition Formation Game for Cost-Efficient Multiparty Payment Channel in Payment Channel Networks.

Blockchain has introduced a new era for online payment services and its economy with tamper-proof cryptocurrencies. However, blockchain, which is based on global peer-to-peer networks, has its limitations due to payment delays from global consensus and transaction costs for maintenance. Thus, payment channel networks (PCN) have been proposed as one of the most promising off-chain solutions, allowing users to pay directly through payment channels (PC), with minimal blockchain involvement. However, payment delays and cost problems still exist, especially given the large size of the PCN. This study proposes a multiparty payment channel (MPC) that enables multiple users to join the same PC and exchange payment transactions, compared to the legacy PC. To avoid a consensus procedure among users in the PC, we introduce sequential and parallel updates for the PC status. Since increasing the MPC size limits the advantages in terms of the delay and cost, we propose a distributed coalition formation algorithm to form the MPC group, in which each user has the choice to join or leave the group. Simulations show that the proposed algorithm establishes MPCs successfully, considering the trade-off between the payoff gain and the MPC delay cost.

Mathematics Behind the RSA Algorithm

Our world is becoming more interconnected through technology, with some notable examples being social media and online payment services. With this higher connection comes the increased risk of information, ranging from harmless text messages to credit card information, being stolen. These risks make cryptography, the field regarding the securing of messages, vital in order to minimize the chance of these data breaches. Essentially, this field is about creating, improving, and implementing various algorithms to encrypt and decrypt messages so only the sender and receiver can see the messages. This paper reviews one such algorithm, the RSA algorithm, and the mathematical concepts behind it.

Compliance with the principles of social responsibility in e-commerce

The article defines the essence of e-commerce, as well as the factors that determine its popularity among entrepreneurs, retailers and consumers around the world. The factors that identified the dynamic development of e-commerce in almost all regions of the world have been identified. E-commerce opens up significant opportunities for both the average consumer and business – the rapid development of logistics, the openness of borders, and an almost unlimited contact audience. The article analyzes the trends in the development of this sphere of business in the context of regions of the world is carried out, a ranking of countries by the share of retail sales of e-commerce is presented. It is established that China occupies the leading position, whose share in online trading was 52.1%. In general, it should be noted that the Asia-Pacific region is striking in its pace and scale of development of e-commerce. Stable dynamics of online sales also demonstrate the United States. In Latin America, the e-commerce market is poorly developed and uneven. Only six countries demonstrate sustainable results and transaction volumes (Brazil, Mexico, Colombia, Argentina, Chile, Peru). As for Africa, the e-commerce market is just beginning to grow and is currently significantly behind the world leaders. The main obstacles to the dynamic development of e-commerce are as follows: limited possibilities of logistics of goods, insufficient distribution of the Internet among the population, lack or restriction of access to online payment services and lack/insufficient level of trust in online trading. The rapid development of e-commerce has also gained in European countries. The article determines that in the context of the countries of the world, e-commerce develops disproportionately, there are main players that determine trends and influence the rules of electronic commerce. The dynamic development of e-commerce in Ukraine began in 2016. After joining the Free Trade Area with the EU. The development of e-commerce provides unprecedented means and opportunities for the development of world trade. The study considers indicators for assessing the level of readiness of the country for e-business: the state of basic infrastructure and technologies in the country; availability of the necessary infrastructure; distribution channels and development of other sectors; the level of use of the Internet by private business; awareness and availability of consulting services; quality of specialist training; state regulation. It is specified that the social position of e-commerce should consist in harmonious coexistence, interaction and constant dialogue with society, participation in solving social problems.

Elaborasi Hukum Membayar Zakat Fitrah Menggunakan Dompet Digital dalam Perspektif Islam

Islam teaches that in property in which there are rights of others. Therefore, Islam requires the existence of zakat, qurban, waqf, almsgiving, infaq, aqiqah, zakat, respecting guests and neighbors, as well as issuing hartanta to realize public welfare and various other worship in social terms. Zakat can be termed as the right of Allah that exists in man that must be conveyed to others who are entitled, in which all Muslims who have achieved nisab and haul are obliged to carry out zakat. Along with the times, muamalah activities in this life can be carried out digitally. Especially in terms of worship such as zakat fitrah. There are several digital platforms that provide various services, one of which is online or digital zakat payment services. This raises questions among the public, regarding the definition, legal basis, mandatory requirements and legal requirements, and wisdom of zakat fitrah? How is the application of zakat fitrah with digital money or online? And how is the law of zakat fitrah with digital money? In the Islamic view, zakat which is done online is allowed, but this still does not leave the terms or conditions in zakat. Muzakki from the outset of the berzakat had expressed the intention to make a difference. The zakat funds will still reach the hands of amil zakat to be handed over to people who are entitled to receive them. Zakat Fitrah would be better done directly with staple food, but if in urgent circumstances it can be carried out online or using digital money.

Research on the Influence of Discount on Consumers’ Purchase Attractiveness and Coping Strategies -- Taking Consumers Aged 26-35 as an Example

Promotions are the driving force of consumption for E-commerce platforms, such as the “Double Eleven” shopping carnival in China, in which major e-commerce platforms participate, which has been setting new records for its volume over the past decade. Statistics from the People’s Bank of China (PBOC) show that online payment services exceeded ¥1.4 trillion in the shopping frenzy in 2019 (PBOC, 2019). The same is true in other parts of the world. For example, “Prime Day” in the United States is equivalently attractive for American shoppers. In addition to policy support and market dividends, discounting is an important stimulus for shopping campaigns to achieve such brilliant results. In order to make the discounts more attractive to consumers, merchants continue to push the boundaries of the traditional discounts, adding “direct discount”, “quantity discount”, “bundle discount”, “coupon discount”, and other diversified means of discounts. In recent years, the discount method of stacking multiple discounts together is becoming increasingly popular, and merchants often choose more than one discount at the same time, forming a multiple discount scheme. This paper studies how exactly multiple discounts affect consumers’ purchasing decisions. In particular, this paper explores the impact of multiple discount schemes on consumers’ purchase intentions through ordinary least-squared (OLS) linear regression and difference-in-difference (DID) techniques. The conclusion reached shows that the most effective discount strategies are quantity discounts and coupon discounts, giving an insight to online platform merchants on a potential way of boosting sales.

The Intention to Use Telemedicine by Surgical Patients in Response to COVID-19

Objective: This study explored patients’ intention to use telemedicine instead of traveling to a hospital during the current global COVID-19 crisis. The framework focused on the relationships between variables derived from the technology acceptance model and the extended unified theory of acceptance and use of technology model.Materials and Methods: Multistage sampling procedures were applied to recruit samples using nonprobability sampling methods. Adult patients who had undergone surgery at a university hospital participated; all were experienced in using online meeting applications and online payment services in their daily lives. Consent forms and online questionnaires were distributed via a Google Forms link.Results: Between October and December 2021, 502 patients undergoing procedures participated in the study. Five variables—social influence, trust, price, perceived usefulness, and perceived ease of use—significantly impacted intention to use. Perceived ease of use significantly impacted perceived usefulness, with a value of 0.679***. In addition, perceived ease of use indirectly influenced intention to use (impact value, 0.103***). Performance expectancy did not significantly impact intention to use, with an impact value of -0.012.Conclusion: The contributions of this study will enable developers, medical professionals, and marketers to improve telemedicine services to better satisfy patients undergoing surgery and increase their intention to use telemedicine. However, the performance expectancy aspect may not warrant patients’ intention. Additionally, the research is recommended on other potential variables influencing telemedicine utilization, such as psychological expectations, performance expectations, and technical conditions.

Social Media Strategy Processes for Centralized Payment Network Firms after a War Crisis Outset

From the outset of the war in Ukraine, extensive crises in many sectors of the world economy have occurred, with firms offering services and products both online and through physical stores facing serious problems. These problems are mainly related to higher operational costs and the lack of website visibility. For this research study, centralized payment network organizations (CPNs), firms providing online payment services through their networks, were selected and analytical data from their websites were collected for a period of 6 months. The main focus of this research study is to evaluate benefits and the role of social media strategies for CPNs’ digital marketing performance during crisis events and to also assess their utility as a risk-management tool. Following data collection, the authors performed statistical processes (regression and correlation analysis) and stationary modeling with Fuzzy Cognitive Mapping (FCM) tools; finally, dynamic simulations were performed by utilizing Agent-Based Models (ABM). The authors suggest that various variables of CPNs’ social media platforms can aid in improving their digital marketing performance and, using proper analysis, can lead to higher user social engagement, thus rendering social media strategy a useful risk-management tool.

Elevating the Needs of Minor Adolescents in a Landscape of Reduced Abortion Access in the United States

Elevating the Needs of Minor Adolescents in a Landscape of Reduced Abortion Access in the United States

Blockchain Technology-Based Electronic Payment Strategy for City Mobile Pass Cards

Currently, there has been a paradigm shifted in the storing of electronic payment records (EPRs) on mobile distributed systems, wherein mobile devices are coupled with cloud computing to ease financial data transfers between consumers and stakeholders. This enhanced architecture allows low-cost online payment services with high versatility and EPR accessibility. Nevertheless, for e-payment platforms, such a new paradigm poses worries about data privacy and network security. A difficult challenge is how to reliably disseminate EPRs across mobile users while maintaining high-security security standards in the mobile cloud. This paper investigates and demonstrates the electronic payment approach of urban mobile pass cards’ dependability and excellence. Furthermore, on a mobile cloud platform, our technology integrates blockchain with the decentralized interplanetary file system (IPFS). We specifically create a reliable access control method on smart contracts to ensure secure EPR sharing across various clients and stakeholders. Our empirical results indicate that our concept provides a viable solution for data transfers on mobile clouds while protecting critical payment information from potential attacks. When compared to previous data sharing models, the system evaluation and security analysis show performance gains in lightweight access control architecture, minimal network latency with excellent security and data confidentiality levels.