Payment Methods Research Articles

The effect of the implementation of quick responses indonesia standard (qris) on public purchase interest in the Lama market of Serang City

The QRIS implementation system policy is contained in the Board of Governors Regulation Number 21/18/PADG/2019 concerning the Implementation of the Quick Response Code National Standard for payments, which explains that QRIS transactions are directed to be in line with the Banten Provincial Government program, namely SIAP QRIS. Banten region occupies the top 5 positions as the province with the most QRIS users. One of these SIAP QRIS programs is focused on the Lama market of Serang City. A descriptive quantitative method was used in conducting this research. This research also has a limitation, namely in discussing how much influence the QRIS application has on buying interest. It is carried out on the population of Serang City, which has a total of 730,530 people. A sample was drawn using the Slovin formula with an MoR of 10%, namely 100 respondents. This study also aims to prove the influence of applying QRIS on buying interest. The determination of respondents is carried out as one of the instruments, namely using the purposive sampling technique. The results obtained based on field findings and the calculation results show that the Lama market in terms of provision has not been maximized, but the payment method is very reliable. It can be seen in the final calculation results that the variable (x) QRIS application and the variable (y) purchase interest influence 28.3%. In addition, variable (x) and variable (y) show a strong correlation indicated by the acquisition of a Pearson Correlation value of 0.532.

Correlation between depression and adherence to respiratory function exercise in elderly frail patients with tuberculosis: A cross-sectional survey.

We investigated the current state of frailty in elderly patients with tuberculosis and analyzed the factors that influence it. Using a convenience sampling method, 120 elderly patients with tuberculosis were selected from the Department of Infectious Diseases at Lishui Hospital of Traditional Chinese Medicine in Zhejiang Province. A cross-sectional survey was conducted using general demographic questionnaires, the FRAIL (fatigue, resistance, aerobic capacity, illnesses, and loss of weight) screening scale, the self-rating depression scale (SDS), and a questionnaire on respiratory function exercise adherence. The influencing factors for depression were analyzed using logistic regression. The average depression score of the 120 elderly patients with frailty and tuberculosis was 54.88 ± 5.61, indicating a mild level of depression. The correlation between this score and respiratory function exercise adherence was negative. According to a logistic regression analysis, marital status and payment methods were influencing factors for depression in these elderly patients with frailty and tuberculosis. There is a need to increase respiratory function exercise adherence among elderly patients with frailty and tuberculosis who have a high incidence of depression. Medical staff should assess adverse emotions in patients and their adherence to respiratory function exercises on a periodic basis.

Islamic Law Review Of Wage Payment Practices At PT. Pundi Agro Makmur, Subah District

This study discusses wage payment practices at PT. Pundi Agro Makmur, Subah District, focusing on two payment methods: bank transfer and cash payment. This study uses a qualitative approach with field research methods and an empirical sociological approach, collecting data through observation, interviews, and documentation. The results of the study indicate that wage payments via bank transfer are more efficient and there are no deductions, because the company only needs to provide wage recipient data and employee account numbers. In contrast, cash payments require rounding or deductions due to the difficulty in obtaining denominations below Rp. 1,000. However, the company does not provide information to employees regarding the deductions, and the results of the deductions are returned to the company through the KTU. From an Islamic law perspective, wage payments via bank transfer are permitted because they do not violate sharia. However, cash payments involving deductions without notification to employees are considered inconsistent with Islamic law. In conclusion, wage payment practices at PT. Pundi Agro Makmur need adjustments, especially in the cash payment method to comply with the principles of Islamic law.

Park Easy: Cloud-Based Smart Parking System

Abstract: A modernized parking management system revolutionizes the way people locate and utilize parking spaces. Leveraging advanced technology, it continuously monitors and administers parking spots in real-time. Through our software accessible on various devices, drivers are effortlessly directed to available parking spaces. Moreover, the system efficiently tracks the duration of parked cars and facilitates cashless payment methods. In essence, it simplifies, expedites, and organizes the parking process for all users. In today's era, effective vehicle management is crucial for streamlining operations and maximizing resource efficiency. This comprehensive system aims to elevate control and oversight of vehicular assets, ensuring optimal utilization and reducing operational intricacies

How Female Undergraduate Students’ Holistic Experiences Predict Their Payment Methods

Female undergraduate students have drastically increased in higher education over the last three decades. The increase in the number of students has come during unprecedented cost increases associated with attending a four-year higher education institution. The increases can be related to tuition but are also associated with mandatory fees (fees all students must pay regardless of status). These fees are associated with programs and services that enhance the collegiate experience (academic tutoring, health services, and Game Day activities). Conversely, little is known concerning how holistic experiences (prior experiences) can shape payment methods. Through a quantitative survey analysis that collected female participants’ self-reported data on payment methods across four states, we employed a regression analysis to predict their payment methods. Our findings suggest the (a) demographic characteristics, (b) university knowledge, (c) knowledge and attitudes toward mandatory fees, and (d) several academic capital subsets that shape women’s payment methods.

The Impact of Digital Financial Services on Financial Inclusion: A Panel Data Regression Method

This paper delves into the intricate relationship between digital financial services (DFS), traditional payment methods (TPM), economic factors, and demographic variables in a quest to enhance financial inclusion. Panel data regression models were employed to analyse the data encompassing credit card access, borrowing, mobile money accounts, electronic payments, and economic and demographic factors. The findings underscore the pivotal role of digital financial services in promoting financial inclusion, particularly mobile money accounts and electronic payments. These services offer cost-effective and efficient alternatives to traditional banking, facilitating greater economic participation. Furthermore, the study reveals the influence of conventional payment methods, with suggestive continuing relevance on a long run. Economic and demographic factors such as age, income, education, and gender emerge as crucial determinants of financial inclusion, emphasising the need for tailored strategies in diverse population segments. Overall, the results are promising with demonstrable statistically significant evidence in the approach to financial inclusion, leveraging digital innovations while addressing various economic factors and demographic groups' needs. The approach seems to guarantee a more equitable, accessible and efficient global financial system to foster economic growth and societal well-being. Thus, the output in this paper will be economically useful to financial institutions, modern digital technology companies and further researchers who aimed to continuously adapt and improve the approach to financial inclusion.

A Study on Difficulties Faced by Entrepreneurs While Exporting Products with Reference to Erode District

Difficulties faced while exporting are challenging and can delay the exporting process a lot, because of which the importer can easily switch to another exporter, even though having experience of exporting of more than 5year with frequency of regular export, major difficulties faced by exporters are complex Export procedure as the export procedure includes some of the complex paper-work sometime the quality also played major role in export as the standard set by the importing country does not match exported goods quality. Language was also one of the barriers for communication which leads to misleading of information’s. Letter of credit and documents against payment was most trusted method of payment of majority of the respondents, for the respondents who exports raw material are not more affected with cultural difference whereas exporters with finished goods are affected with cultural difference.

Consumer's Attitude towards Digital Payments: A Demographic Analysis

Purpose: The purpose of the study is to assess the knowledge and attitude of consumers towards various payment modes with special reference to digital payment methods in Nagaland State, India. Design/methodology/approach: The study is based on primary data from students, scholars, government employees, and self-employed private employees of the Nagaland state of India. The data were collected through a questionnaire. The questionnaire was standardised by using the item analysis and the items generating unfavourable t-statistics were removed. The basic data were analysed by using descriptive statistics followed by interpretation of the results. In addition to that, inferential statistics was also used for hypothesis testing. Findings: The majority of consumers were satisfied with the electronic payment option, according to the study's findings, which is encouraging for the country's lawmakers. However, consumers also make use of cash on a regular basis. Debit or credit cards are used by almost half of consumers for both in-person and online purchases. Consumers of both sexes and varying socioeconomic backgrounds have quite different sentiments about e-payments. Regarding e-payments, people with different educational backgrounds, marital statuses, management styles, and work statuses have the same attitudes. Research limitations/implications: The study was conducted in Nagaland state of India and confined to only two districts. Convenience sampling technique was used in the study. This study considered only perception towards E-Payments. Similar study may be conducted by using some other variables. Furthermore, research that are cross-sectional and longitudinal can be conducted to delve deeper into the topic. Originality/value: This study fills the apparent gap in the existing payment gateway system. It contributes to the body of research on adoption of new technologies, and specifically E- payment services. It provides with a better understanding of Consumer's attitude towards E-Payments.

Implementation of QRIS Digital Payments to Encourage The Development of Local MSMEs in Bali

The presence of QRIS can be applied at various business scales, including MSMEs which are an important pillar of the Indonesian economy. The problem in this research is to determine the implementation of using QRIS as a payment method in the growth of MSMEs in Bali? This research aims to see the level of development of local MSMEs in Bali with QRIS as their digital payment. This research is quantitative descriptive. By using this method, the data collected only follows the criteria and objectives of this research for MSMEs that use the QRIS digital payment system. The results of this research analysis show that the growth of MSME data for each district in Bali has increased, as proven from the beginning of 2020 to August 2023. Seeing the increase in the number of QRIS merchants every year in the Bali Province region illustrates the positive impact it has had on the use of QRIS as a digital payment system. By using a digital-based payment system (QRIS), their merchandise turnover has increased rapidly, thereby improving the economic development of local Balinese MSMEs. Many customers are switching from cash payments to transactions using the QRIS digital payment medium, because of its convenience and security. So more and more local Balinese MSMEs are using QRIS, indicating that QRIS is improving the economy of MSMEs in Bali.

Indicators of banks and economic indicators on non-cash payments in ASEAN-7 countries

This research explores the intricate relationship between digitalization, economic development, and non-cash payments in the ASEAN-7 countries over a ten-year period from 2011 to 2020. Focusing on factors such as commercial bank branches, broad money, and inflation, the study employs panel data regression analysis to investigate their impact on automated teller machine (ATM) usage. The findings reveal that commercial bank branches significantly influence ATM usage, emphasizing the role of accessibility, services, and technological preferences. Broad money also shows a significant impact on ATM transactions, reflecting the interplay between fund availability and non-cash transactions. However, inflation does not exhibit a direct influence on ATM usage. The research underscores the importance of maintaining service quality and security in the banking sector to enhance digital financial inclusion. Future research opportunities include exploring diverse non-cash payment methods and extending studies to countries with significant global economic impacts. This research contributes valuable insights to policymakers aiming to enhance digital financial inclusion policies, ultimately fostering economic growth through the digital economy in the ASEAN-7 region.

The development of day surgery in China and the effectiveness and reflection of day surgery in ophthalmology-specialized hospitals.

This survey investigates the development of day surgery in China, and analyzes the national policy support, medical service management model, disease types of day surgery, medical insurance payment methods, and the medical service capacity, efficiency, quality and safety, health economics indicators, and patient satisfaction after the implementation of day surgery in a tertiary eye hospital. After more than 20 years of development, China's day surgery has shown a good development trend. The implementation of day surgery in eye hospitals accounts for more than 70% of elective surgery, and patients, medical institutions, and medical insurance institutions have all achieved good social benefits.

The Health Arab Tourists’ Satisfaction Level of Services Provided: A Cross-sectional Study in Bangalore-Cross Sectional Study

Introduction: An indication of the quality of medical treatment is how satisfied patients are with the services received. Patient satisfaction is determined by how well they feel their care met their expectations. This survey was conducted in 2023 to assess how satisfied health tourists were with the services received from Bangalore Multispecialty hospitals. Method: It is a cross-sectional study was conducted from 21-3–2023 to 26-1-2023 at Multispecialty Hospital in Bangalore. : In this a cross-sectional study, 400 253 (63.2%) men and 147 (36.8%) women, the data collection instrument is a semi-structured questionnaire in this study. The respondents of this study are Arab tourists who received inpatient and outpatient services at least one day at hospitals. The hospitals were selected purposively but the potential respondents were chosen conveniently. These procedures ensure the researchers access a sufficient number of potential respondents from the hospitals for this study. Researchers of this study approached the respondents and requested they participate in this survey. The researchers informed participants that the information would be utilized only for research purposes and their support was anonymous and voluntary. The questionnaire has 56 general and specific items. Each of the specific items is scaled on five points; Very Good, Good, Moderate, Poor and very poor. In order to analyze the data both descriptive and inferential statistics were used Patient satisfaction and surgical outcomes were the main outcome measures. Results: 400 participants were included in the study (63.2% male and 36.85% Female). 79 of the surgeries were Neurosurgeries cases (19.8%) compared to 75 Oncology cases (18.8%). Regarding patient satisfaction, 96.8% of the patients regarding the quality of care. 66 % were satisfied with the hospital privacy and confidentiality measures. Conclusion: All of the Analyzed domains had excellent patient satisfaction rates, little problems, and successful surgical results in general. There is few things make patients unsatisfied like the waiting time for consultation so long, the method of payment in some hospital that there is limitation for cash payment ,and the language barrier the important factor play the major role.

The Influence of Digital Payment Systems on Financial Performance: A Study of Maheshwari Sales and Services

In today's company environment, digital payment solutions are critical to improving customer experience and optimizing financial operations. This study uses a mixed-methods approach, combining quantitative and qualitative data to provide a thorough analysis. To assess customer and employee satisfaction and operational changes, Maheshwari Sales and Services conducts surveys and interviews. Financial information is reviewed to determine the influence on cash flow management. Preliminary data indicate that the use of digital payment systems has enhanced customer satisfaction due to the convenience and speed of transactions. Furthermore, these technologies have helped to improve cash flow management by eliminating the time lag between sales and fund availability. Additionally, operational efficiency has improved, with significant savings in transaction processing times and administrative overheads. The analysis reveals that Maheshwari Sales and Services' financial and operational success is heavily reliant on digital payment methods. The findings of this study can be used to influence strategic decisions about the organization's future integration and optimization of digital payment technologies.

The Impact Of Fintech Innovations On Traditional Financial Institutions, Financial Inclusions, and Payment Systems – A Review Of Case Studies

Fintech (monetary innovation) advancements have been reshaping the monetary scene, altering the manner in which individuals access monetary administrations, go through with exchanges, and deal with their funds. It has fundamentally disturbed the customary monetary scene, it are conveyed and experienced to change the way monetary administrations. Fintech startups have pushed traditional financial institutions to change and improve their services in order to remain competitive with agile, customer-focused solutions. Fintech has revolutionized payment systems simultaneously by introducing digital payment methods and making cross-border transactions easier, reducing cash-based systems' reliance. Most importantly, fintech has increased financial inclusion by enabling individuals and small businesses to participate more actively in the formal economy by providing formal financial services to previously underserved populations via mobile platforms. While the extraordinary effect of fintech is apparent, policymakers and partners should address administrative intricacies and network protection dangers to guarantee supportable and comprehensive monetary environments. This article looks at the extraordinary effect of fintech on customary monetary foundations, installment frameworks, and monetary incorporation. By breaking down different literary works and contextual analyses, the specialist attempts to investigate how fintech has disturbed conventional practices, further developed productivity, and cultivated more noteworthy monetary incorporation around the world. IndexTerms - Fintech, computerized installments, monetary environment, network safety, monetary consideration, artificial intelligence, man-made consciousness, information security, risk.

Online Shopping is a Recent Phenomenon in the Field of E-Business

Imagine a world where you can browse through endless aisles of products, explore vibrant marketplaces from the comfort of your couch, and have your favourite items delivered to your doorstep with just a few clicks. Welcome to the captivating realm of online shopping, where convenience meets endless possibilities, and the thrill of discovery awaits at every virtual turn." Online shopping, also known as e-commerce, refers to the process of purchasing goods and services over the internet. It has revolutionized the way people shop, offering convenience, flexibility, and access to a vast array of products from the comfort of their homes. Through online shopping platforms, consumers can browse through various items, compare prices, read reviews, and make secure transactions using electronic payment methods. With the advent of mobile technology, online shopping has become even more accessible, allowing users to shop anytime and anywhere with just a few taps on their smartphones or other internet-enabled devices. Major benefits of online shopping include convenience, a wide selection of products, competitive pricing, and the ability to shop from global retailers without geographical constraints. However, challenges such as security concerns, delivery issues, and the inability to physically inspect products before purchase remain pertinent for some consumers. Overall, online shopping continues to grow in popularity, shaping the modern retail landscape and transforming the way people fulfil their purchasing needs. Online shopping, a cornerstone of modern retail, has transformed the way consumers interact with products and services across the globe. This digital form of commerce enables individuals to purchase goods and services from the comfort of their homes using a computer or mobile device. What began as a niche convenience has burgeoned into a mainstream method of transaction, driven by advances in internet technology, secure payment systems, and the proliferation of e-commerce platforms.

K‐Fuse: Credit card fraud detection based on a classification method with a priori class partitioning and a novel feature selection strategy

AbstractOnline transactions have become the dominant and most popular form of online payment in today's digital economy. Due to the growing popularity of e‐commerce and the convenience it offers, both consumers and businesses are rapidly adopting online transactions. Notably, credit cards have become one of the most popular and standard online payment methods. However, it should be noted that credit card transactions are not without challenges. In particular, detecting and preventing fraudulent transactions is a major concern of the online payment system. It is difficult to find an effective detection model that can detect the new patterns created by fraudsters, due to the constant evolution of their methods to exploit the vulnerability of current security protocols. These fraud patterns are evolving and may not correspond to existing documented models, leading to a reduction in their identification. In addition, the customer's behavior can affect the model detection as it is susceptible to change based on factors such as economic conditions, trends, and individual circumstances. When consumers deviate from their typical behavior, the model may generate false alerts, thereby reducing its ability to differentiate between legitimate and fraudulent transactions. This article presents a new supervised detection model, called K‐Fuse, which introduces an unsupervised phase in order to detect fraud patterns that may correspond to innovative models introduced by fraudsters. K‐Fuse is a supervised classification method that fuses three steps consisting of (i) unsupervised clustering to identify hidden patterns of transactions in a dataset, (ii) a novel feature selection criterion based on the unsupervised results, and (iii) supervised classification to exploit the results of clustering and feature selection to predict new transactions as fraudulent or legitimate.

Copywriters' preference evaluation on online copywriting course attributes during the COVID-19 pandemic.

Copywriting online course has become a famous online training over the past years and the reliance on online courses increased even during the COVID-19 pandemic. In recent years, online courses have become a popular training platform, especially for copywriting courses. The demand for online courses increased during the COVID-19 pandemic, prompting the need to optimize the learning experience of an online course's target audience. This study aimed to determine the combination of online course attributes most preferred by Filipino copywriters such as course style, payment method, course delivery, module duration, and course type. 292 Filipino copywriters from a leading Philippine-based copywriting group voluntarily participated in this study and answered an online questionnaire quantitative survey which was distributed using the purposive sampling method. Conjoint Analysis with an orthogonal design revealed that copywriters consider the course style attribute as the most important (46.007%), followed by payment method (18.236%), and course delivery (15.435%). Module duration (10.489%) and while the course type (9.833%) were was the least considered attribute of an online course. The result shows that Filipino copywriters prefer an intermediate-level video course on a Facebook group that lasts 1 to 3 hours per module and is paid per course for a total utility score of 0.281, while the least preferred combination was a beginner-level audiobook course that lasts less than 30 minutes per module, delivered via email, and paid per module, for a total utility score of -0.281. This study is the first study that analyzed the copywriters' preference for online copywriting course attributes during the COVID-19 pandemic. The findings of this study are beneficial to online course creators who are targeting copywriters. Finally, the result of this study can be expanded further to other online courses worldwide.

Dynamic cross-border payment preferences: A qualitative study of Indonesian expatriates in Thailand and Malaysia

Along with the development of global digitalization, international financial transactions are also advancing. In response, Indonesia (Bank Indonesia) collaborated with Malaysia and Thailand by launching Local Currency Settlement (LCS) integrated with Quick Response (QR) codes to reduce the use of dollars in cross-border transactions. Therefore, this study aims to investigate the Indonesian customer (Indonesian expatriates) preferences for payment methods provided by Bank Indonesia, specifically in the context of facilitating cross-border transactions. The number of research participants was 50 Indonesian expatriates (36 in Thailand, 14 in Malaysia), who were purposefully selected based on the criteria of being Indonesian traveling, studying, or residing in Thailand and Malaysia while maintaining Indonesian bank accounts. To identify these preferences, this study uses qualitative research using the Analytic Hierarchy Process (AHP) method. Based on the Hierarchical analysis, the results show that the main alternatives in payment method preference in Thailand and Malaysia show that Visa is still the most dominant in cross-border transactions. Across hierarchical criteria, including trust, speed, usability, installment flexibility, timing, and offering interest-free installment plans, Visa consistently outperformed QR Codes and Cash. Nonetheless, it is essential to highlight that QR Codes scored the highest in the criteria of Ease of Use in Malaysia. While in Thailand, QR codes achieved the highest score in terms of cost-effectiveness.

A Study on Digital Payments and User Experience

This paper aims to examine the use of online payment or electronic payment system (EPS) due to various benefits of using online payment method for both the business and the user. Digitalization is a new trend in banking sector all over the world. Digitalization involves total control over the customer experience, management of all existing and future consumer needs, and development of an appropriate financial framework. Digital payments in India are a promising success. The financial institution must be customer friendly. For the purpose of the study on digital payments and user experience primary method such as survey using Google form in collected from people in and around Salem city with different demography and secondary methods such as published and unpublished journal, magazines has been used. The data is analyzed by using SPSS. Keywords: Digital payments, Banking sector, Customer experience, Electronic payments.

Painless cost control as a central strategy for universal oral health coverage: A critical review with policy guide.

This study aimed to critically review the methods used to control the significantly increasing costs of dental care. Through a comprehensive search of the available literature, the cost control (CC) mechanisms for health services were identified from a healthcare system perspective. The probable applicability of each CC method was evaluated mainly based on its potential contribution to oral health promotion. Each mechanism was then classified and discussed under any of the two headings of financing and service provision. An operational guide was finally presented for policy-making in each of the three main models of healthcare systems, including National Health Services, social/public health insurance and private insurance. From a total of 142 articles/reports retrieved in PubMed, 73 in Scopus and 791 in Google Scholar, 35 were included in the final review after eliminating the duplicates and screening process. Totally ten mechanisms were identified for CC of dental care. Seven were discussed under the financing function, including cost sharing, preauthorization, mixed payment method and an evidence-based approach to benefit package definition, among others. Three further methods were classified under the service provision function, including workforce skill mix with emphasis on primary oral healthcare providers, development of primary healthcare (PHC) network and an appropriate use of tele-dentistry. Painless control of dental expenditures requires a smart integration of prevention into the CC plans. The suggested policy guide emphasizes organizational factors; particularly including the development of PHC-based networks with midlevel providers (desirably extended-duty dental hygienists) as the frontline oral healthcare providers.