apparent agency is one of the new and practical kinds of agencies that have been considered in both legal systems – common law and civil law- and in most laws of different countries in the world – regardless of level of economic and social development - and also in some international documents. its applications have been increased in different field of agency such as legal entities, new employm...

This paper investigates the household decision to adopt alternative payment technologies (financial innovation); examples of financial innovation are interest-bearing checking accounts, credit cards, and ATM cards. The obvious advantage of these payments tools is that they allow households to economize on their money holdings while still providing liquidity services. Through technological progr...