Innovations in the payment card market: The case of Poland

Sokołowska, Ewelina

doi:10.1016/j.elerap.2015.07.005

Cited by 17 publications

(6 citation statements)

References 24 publications

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“…This study is in line with previous research that indicates that the constraints of cashless payment methods are not only technical but also substantial (Bayero, 2015;Sokołowska, 2015;Soukal & Hedvicakova, 2014). The data show that 49.2% of the respondents feel that digital payment methods improved their transactions.…”

Section: Discussionsupporting

confidence: 91%

Brief Implementation and Challenges of a Cashless Payment Method to Facilitate Financial Inclusion

Putri¹,

Mardiati

2020

Proceedings of the 3rd International Conference on Vocational Higher Education (ICVHE 2018)

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This study focuses on the implementation of a cashless payment method in a canteen at the University of Indonesia (UI). In cooperation with Bank Negara Indonesia, the university introduced a smartcard (TapCash) that acts as an identification card and a digital payment method on or off-campus. Based on structured interviews with tenants and buyers (students) at the canteen in 2018, this paper shows that the implementation of a cashless payment method at this cafeteria has advantages and disadvantages. A total of 50,8% of the respondents was positive about this method of payment, while the rest of the group described negative experiences. Factors such as the simplicity and security of using TapCash, as well as certain technical issues, influenced user experiences.

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Section: Discussionsupporting

confidence: 91%

Brief Implementation and Challenges of a Cashless Payment Method to Facilitate Financial Inclusion

Putri¹,

Mardiati

2020

Proceedings of the 3rd International Conference on Vocational Higher Education (ICVHE 2018)

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“…A significant number of people still prefer cash payment over e-commerce, this would be a great area of research from the perspective of emerging economies such as Bangladesh. Indeed, in the emerging country, nearly 82 per cent of total transactions are still done by physical cash (Sokołowska, 2015).…”

Section: Introductionmentioning

confidence: 99%

Security perception in the adoption of mobile payment and the moderating effect of gender

Hossain

2019

PRR

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Purpose The mobile payment system has changed payment patterns and has the potential to improve people’s quality of life and increase the bank’s efficiency. In return, the risks and trust factors inevitably led to increased challenges and become a major concern in the adoption of mobile payment service. Yet, little is known about how risk and trust factors can affect the adoption of mobile payment. Hence, this paper aims to come into contact to solve these issues in the context. Design/methodology/approach A comprehensive research model that reflects the customer satisfaction and loyalty to the adoption of mobile payment services is developed and empirically tested using exploratory and confirmatory factor analysis and structural equation modeling. Findings Findings reveal that the perceived risk has a significant negative impact on perceived trust and customer satisfaction. Perceived trust is the most important variable in building customer satisfaction, and customer satisfaction is the reasonable predictor of customer loyalty. In addition, gender differences moderate the adoption of the mobile payment service. Originality/value The results of the study hold several implications for scholars in the field of technology adoption on financial transactions and offer valuable managerial insights to design their mobile payment adoption strategies to pursue greater acceptance and diffusion of this new payment system.

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“…The implications of these findings are of paramount importance in that it provides support to policies that promote payment migration to an electronic platform, particularly card-based payment systems, such as a ‘less-cash society (GNNT)’, which has been implemented by the central bank of Indonesia. In addition, innovations in the retail payment system may increase banking competition and create an increase in efficiency (Sokołowska, 2015). Insofar as this study adopts a macro-based framework, its analysis is limited to aggregate behaviour.…”

Section: Discussionmentioning

confidence: 99%

Gauging the Impact of Payment System Innovations on Financial Intermediation: Novel Empirical Evidence from Indonesia

Lubis

Alexiou

Nellis

2019

Journal of Emerging Market Finance

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In this article, the relationship between innovations in the payment systems and financial intermediation is explored. By focusing on excess reserves and currency demand we provide evidence on the extant transmission mechanism. In this direction, a generalised method of moments (GMM) and vector error correction model (VECM) techniques are applied to a data set collated for Indonesia. We find that financial intermediation is affected by currency demand while we observe a limited role of excess reserves affecting financial intermediation. Credit card payments are found to have a statistically significant effect on currency demand, whereas debit card payments only influence financial intermediation in the long run. In addition, the real-time gross settlement (RTGS) exerts an upward pressure on excess reserves. The findings are of great importance as they provide support to policies that favour payment migration to an electronic platform, particularly that of card-based payment systems. JEL Classification: E42, E58, N25, G21

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Innovations in the payment card market: The case of Poland

Cited by 17 publications

References 24 publications

Brief Implementation and Challenges of a Cashless Payment Method to Facilitate Financial Inclusion

Brief Implementation and Challenges of a Cashless Payment Method to Facilitate Financial Inclusion

Security perception in the adoption of mobile payment and the moderating effect of gender

Gauging the Impact of Payment System Innovations on Financial Intermediation: Novel Empirical Evidence from Indonesia

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