The influence of cryptocurrency on the future of the international financial payment system through the example of a bitcoin

2018 ◽  
Vol 0 (134) ◽  
pp. 40-55
Author(s):  
Ju. O. Sivicka
Keyword(s):  
Payment System ◽  
The Future

scholarly journals Menelisik Hukum Jual Beli Kredit Melalui Kajian Tafsir Al-Quran

2017 ◽  
Vol 2 (2) ◽  
Author(s):  
Khozainul Ulum
Keyword(s):  
Payment System ◽  
The Other ◽  
Easy Access ◽  
Purchasing Power ◽  
Human Beings ◽  
The Future ◽  
Economic Needs ◽  
The Stability ◽  
The Moment ◽  
Made In

In fulfilling the needs, human beings tend to do various ways and always looking for ease. In the context of the fulfillment of economic needs, for example, not everyone can get easy access to be able to get the needs. The purchasing power of each person always refers to the stability of the amount of income earned every day or every month. Therefore, it is not surprising that payment system in transaction of buying and selling that try to make easy for consumer to get what is wanted, that is credit payment. In Islam, payments in credit transactions are known as nasīah. This paper will trace the arguments of the Quran that are related to the payment of sale and purchase on credit.  From the Quranic interpretation of sura al-Baqarah verse 282 and 283 above with respect to the transaction on credit, it can be summarized as follows. First, the transaction on credit in Islam is not forbidden and not makruh. In other words, it is allowed even though the price of goods sold in credit is more expensive than the price in cash. Second, in a transaction on credit, it is ordered to make record and witness to the requierments and conditions of the transaction. The purpose of these records and testimony is to safeguard the rights of each transactor and to avoid disputes in the future. In this case, ulama have difference on the form of such recording and testimonies. One side believes that the order is obligatory (wajib), and the other side thinks it sunnah. According to me, after seeing the purpose of record and testimony of the above transactions, the record and testimony in the transaction is wajib.Third, transaction made in cash (yadan bi yadin), according to the author, is also required to record and testimony. This is a form of caution, because at the moment there are many disputes in transactions that arise in the community, even though they have done the recording and testimony. Fourth, note of treaty and the receipts included in each transaction at the present have an important meaning to safeguard the rights and obligations of each party conducting the transaction. Moreover, note of treaty and receipt are a valid and concrete evidence explaining the truth of the transaction. Keywords: Credit Sale, Quranic Interpertation Approach

scholarly journals DIGITALIZATION AND ARTIFICIAL INTELLIGENCE IN BANKS: A STEP INTO THE FUTURE

2021 ◽  
Vol 6 (1(29)) ◽  
pp. 6-9
Author(s):  
Georgy Maksimovich Babukin
Keyword(s):  
Artificial Intelligence ◽  
Banking Sector ◽  
Payment System ◽  
The Future

The author of the article emphasizes the importance of using digitalization and artificial intelligence in banks. The transition to such a model in a particular area will be a serious driver of growth for them and a catalyst for the use of AI technologies. Innovations in the field of digitalization of the banking sector are considered. The plan for the development of the digital ruble project was studied. The introduction of the fast payment system (SPB) is considered. The application of artificial intelligence in the banking sector is studied. The forecast of revenues of the artificial intelligence market is made.

scholarly journals Persepsi Ibu-Ibu Nasabah Terhadap Program Pembiayaan Paket Masa Depan Bank BTPN Syariah (Mobile Marketing Syariah) X Koto Tanah Datar

2021 ◽  
Vol 6 (2) ◽  
pp. 193
Author(s):  
Yurri Trinanda ◽  
Damsar Damsar ◽  
Bob Alfiandi
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Rural Areas ◽  
Qualitative Method ◽  
Payment System ◽  
Mobile Marketing ◽  
The Future ◽  
Capital Financing ◽  
Very High

This study aims to determine the perceptions of women customer of the Bank BTPN Syariah MMS (Mobile Marketing Syariah) X Koto Tanah Datar Future Package financing program. The method used in this research is qualitative method. Data collection techniques: Observation, Interview and Documentation, Data Analysis: Miles Huberman. Bank BTPN Syariah unit MMS (Mobile Marketing Syariah) X Koto presents a future package financing program based on sharia principles which focuses its activities on providing business capital financing and aims to prosper underprivileged women in rural areas, especially (mothers) in X Koto Tanah Datar. The results showed that the implementation of the future package financing program for Bank BTPN Syariah MMS X Koto was not in accordance with sharia principles, the installment payment system was not affordable and the margin / profit received by the Bank was very high at 30% to 43%. This has resulted in poor perceptions from customer mothers of future package financing programs.

MENELISIK HUKUM JUAL BELI KREDIT MELALUI KAJIAN TAFSIR AL-QURAN

2017 ◽  
Vol 2 (1) ◽  
pp. 69-79
Author(s):  
Khozainul Ulum
Keyword(s):  
Payment System ◽  
The Other ◽  
Easy Access ◽  
Purchasing Power ◽  
Human Beings ◽  
The Future ◽  
Economic Needs ◽  
The Stability ◽  
The Moment ◽  
Made In

In fulfilling the needs, human beings tend to do various ways and always looking for ease. In the context of the fulfillment of economic needs, for example, not everyone can get easy access to be able to get the needs. The purchasing power of each person always refers to the stability of the amount of income earned every day or every month. Therefore, it is not surprising that payment system in transaction of buying and selling that try to make easy for consumer to get what is wanted, that is credit payment. In Islam, payments in credit transactions are known as nasīah. This paper will trace the arguments of the Quran that are related to the payment of sale and purchase on credit.  From the Quranic interpretation of sura al-Baqarah verse 282 and 283 above with respect to the transaction on credit, it can be summarized as follows. First, the transaction on credit in Islam is not forbidden and not makruh. In other words, it is allowed even though the price of goods sold in credit is more expensive than the price in cash. Second, in a transaction on credit, it is ordered to make record and witness to the requierments and conditions of the transaction. The purpose of these records and testimony is to safeguard the rights of each transactor and to avoid disputes in the future. In this case, ulama have difference on the form of such recording and testimonies. One side believes that the order is obligatory (wajib), and the other side thinks it sunnah. According to me, after seeing the purpose of record and testimony of the above transactions, the record and testimony in the transaction is wajib.Third, transaction made in cash (yadan bi yadin), according to the author, is also required to record and testimony. This is a form of caution, because at the moment there are many disputes in transactions that arise in the community, even though they have done the recording and testimony. Fourth, note of treaty and the receipts included in each transaction at the present have an important meaning to safeguard the rights and obligations of each party conducting the transaction. Moreover, note of treaty and receipt are a valid and concrete evidence explaining the truth of the transaction.

What are the Keys to a Successful Mobile Payment System? Case of Cytizi

2016 ◽  
Vol 24 (3) ◽  
pp. 1-20 ◽  
Author(s):  
Mario Silic ◽  
Andrea Back
Keyword(s):  
Organizational Culture ◽  
Interorganizational Relationships ◽  
Payment System ◽  
Mobile Payment ◽  
Group Culture ◽  
The Future

Scholars and practitioners agree that the future of payment is mobile contactless payment (MCP). However, while many projects concerning the implementation of MCP solutions have been started, MCP is still not available in most countries. Concerning this fact, studies on the obstacles to MCP implementation conclude that the formation of interorganizational relationships (IORs) is an important aspect to the success of any MCP project. In this study, the authors research the influence of organizational culture on IORs in the French MCP service, Cityzi. They conducted interviews with executives of the main organizations involved and collected data about the organizational culture using a quantitative questionnaire. The results revealed that the organizations involved in Cityzi emphasize a developmental culture that drives innovation and competition between the organizations involved, which leads to rivalry between them. The authors conclude that the centralized structure around a coordinating organization that displays a group culture supports the implementation of MCP systems.

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