Customer satisfaction in banking will increase along with the mobile features at BTN itself The additional are BPJS payments, PBB PDAM digital wallet top-ups, and virtual accounts for e-commerce transactions. Bank adds a Cardless Withdrawal feature where bank customers can make cardless cash withdrawal transactions ATMs, as well QRIS, that makes it easier to by scanning QR Code through Mobile B...

We consider a competitive and perfect financial market in which agents have heterogeneous cash flow valuations. Instead of assuming that agents are endowed with rational expectations, we model their behavior as the product of adaptive learning. Our results demonstrate that adaptive learning affects security design profoundly, with securities mispriced even in the long run and optimal designs tr...

During the COVID-19 pandemic, application of e-payment has rapidly increased. However, not been able to achieve a trustworthy level in e-commerce transactions. Thus, cash payment methods with Cash On Delivery (COD) services still dominate C2C transactions Indonesia. This study aims investigate factors that affect users' switching intentions from COD services. The research model was adopted by u...

This paper presents a framework for the implementation of strategic information systems. The framework draws on past research on implementation and takes into account the unique circumstances of strategic applications. The framework is illustrated with a case study of a money-center bank's cash management system based on a microcomputer. The microcomputer provides a powerful front end to the ba...

The World Health Organization estimates that malaria annually causes hundreds of millions of illnesses, and more than half a million deaths. Surely these transaction costs of mosquito bites vastly exceed the value of the blood actually taken. In payment instruments, of course, a major goal is to reduce transaction costs, and intuitively cutting those costs seems especially urgent when they are ...

Many protocols have been proposed in the last year which address the problem of securely transferring money over a public network. Most of these schemes have similar goals: to enable transactions with properties similar to those achievable today using credit cards, to provide consumers and vendors with guarantees similar to those afforded by credit cards, or to translate existing payment mechan...

Mobile agents are programs that can migrate from machine to machine in a heterogeneous, partially disconnected network. As mobile agents move across a network, they consume resources. We discuss a system for controlling the activities of mobile agents that uses electronic cash, a banking system, and a set of resource managers. We describe protocols for transactions between agents. We present xe...

This article analyzes the accounting treatment of sales and purchasing at Fengshengtai Company (丰盛泰号), a salt trader from Shanxi Province. We find evidence “dualled entry” bookkeeping in that all transactions were recorded twice. Crucially, each set dualled entries was two distinct accounts. For example, cash “cash flowing account” as well specialized account. thus argue that, light clues other...

1. Interoperability of retail payment instruments is not an objective in its own right; rather it is a means of achieving other desirable objectives. Interoperability can promote a range of intermediate objectives such as greater productive efficiency, convenience for customers and dynamic efficiency through promoting competition within the financial sector. However, the attainment of intermedi...