scholarly journals Digital Payment Service in India - A Case Study of Unified Payment Interface

2021 ◽  
pp. 256-265
Author(s):  
Mahesh A. ◽  
Ganesh Bhat
Keyword(s):  
Design Methodology ◽  
Banking Sector ◽  
Swot Analysis ◽  
Secondary Data ◽  
Cost Effective ◽  
Future Research ◽  
Growth Prospects ◽  
Secondary Data Sources ◽  
Digital Payments

Purpose: The Indian Banking sector is striving hard to popularise digital payments and has gained momentum after demonetization and digital India initiatives. To facilitate digital payments, “National Payment Corporation of India (NPCI)” launched the “Unified Payment Interface (UPI)”, which is an amazing, revamped, and cost-effective breakthrough for enabling digital payment services for all. Proliferation of smartphones, technological innovations, and effective internet communications has signified the usage of mobile payment facility for smartphone users, financial institutions and particularly the banks. To achieve paperless and cashless economy, Unified Payment Interface (UPI) is a potentially innovative way of transferring funds using a virtual payment address established by the National Payment Corporation of India (NPCI). Hence, it is needed to be assessed for its potential to contribute towards achievement of digital economy. Design/Methodology/Approach: This paper is focused on understanding Unified Payment System’s (UPI) growth and its progression in retail digital payment over the years. The study was carried out by exploring secondary data sources and by applying Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis format. Finding/Result: UPI has shown remarkable growth in last couple of years due to customer’s shift towards contactless payments over other methods. Study revealed that the growth of digital payments has increased significantly, especially in the retail payment sector on the UPI platform. Originality value: This study examines UPI's position in the digital payment ecosystem, with an emphasis on identifying UPI's core strengths and growth prospects, as well as areas for future research to investigate India's complete e-payment ecosystem. Paper type: A research case study on Digital Payment Service in India - A Case Study of Unified Payment Interface

Blockchain in your grocery basket: trust and traceability as a strategy

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ghassan Yacoub ◽  
Maria Castillo
Keyword(s):  
Design Methodology ◽  
Secondary Data ◽  
Structured Interviews ◽  
Firm Level ◽  
Content Type ◽  
Blockchain Technology ◽  
Business Application ◽  
Secondary Data Sources ◽  
Increasing Demand

Purpose The purpose of this paper is to gain insights and explicate how blockchain technology enables trust and traceability building from a real business use case. Design/methodology/approach The authors conducted a qualitative case study of a leading global French grocery retail firm that has started to integrate blockchain into their supply chain and products. Data was collected through semi-structured interviews and secondary data sources. Findings This paper developed a conceptual framework in unboxing the mechanism by which blockchain enables trust and explicating how information flows in a blockchain-based system compared to a traditional one in a real business application scenario through three main elements, namely, system architecture, data recovery and communication. Originality/value Given the upside potential of emerging technologies such as blockchain coupled with the current increasing demand for business use cases, the paper is timely in integrating the business and technological aspects of trust in formulating a firm-level blockchain strategy.

scholarly journals Restrict, clean and protect: signaling consumer safety during the pandemic and beyond

2020 ◽  
Vol 31 (6) ◽  
pp. 1185-1202 ◽  
Author(s):  
Liliana L. Bove ◽  
Sabine Benoit
Keyword(s):  
Design Methodology ◽  
Service Providers ◽  
Signaling Theory ◽  
Secondary Data ◽  
Future Research ◽  
Risk Of Infection ◽  
Content Type ◽  
Consumer Safety ◽  
Secondary Data Sources ◽  
Safety Signals

PurposeSince the outbreak of the COVID-19 pandemic, customers fear for their health when interacting with service providers. To mitigate this fear service providers are using safety signals directed to consumers and other stakeholders who make organizational assessments. The purpose of this article is to synthesize the range of safety signals in a framework that integrates signaling theory with servicescape elements so as to provide guidance for service providers to assist in their recovery.Design/methodology/approachThe authors extracted examples of how service providers signal safety to their consumers that the risk of infection is low in exchanging with their service. These examples were taken from secondary data sources in the form of trade publications resulting from a systematic search and supplemented by an organic search.FindingsIn total 53 unique safety signals were identified and assigned to 24 different categories in our framework. Most of the signals fell into the default and sale independent category, followed by the default contingent revenue risking category.Originality/valueThis study builds on signaling theory and service literature to develop a framework of the range of safety signals currently in use by service providers and offers suggestions as to which are likely to be most effective. Further, a future research inquiry of safety signals is presented, which the authors believe has promise in assisting recovery in a post-pandemic world.

Cyber crimes in the banking sector: Case study of Vietnam

2020 ◽  
Vol 6 (05) ◽  
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran
Keyword(s):  
Financial Literacy ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Framework ◽  
Economic Sectors ◽  
Technological Revolution ◽  
Survey Results ◽  
Cyber Crimes

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 

Proportional Representation and its Impacts on Multi Ethnic Society of Sri Lanka

2016 ◽  
Vol 3 (5) ◽  
Author(s):  
Seeni Mohamed Aliff
Keyword(s):  
Sri Lanka ◽  
Institutional Design ◽  
Qualitative Case Study ◽  
Secondary Data ◽  
Electoral System ◽  
Ethnic Violence ◽  
Institutional Affiliation ◽  
Secondary Data Sources ◽  
The Impact

This paper will examine the impact of PR electoral systems in a divided society. This research will explore the strength and weakness of the current electoral system and institutional design of Sri Lanka and will recommend changes to decrease the risk of minority exclusion in decision making and ethnic violence. The objectives of this research are to examine the character of the merits and demerits of the PR, and to investigate and assess the impacts of the PR in the multi ethnic societies of Sri Lanka. The study is a qualitative case study, and primary and secondary data sources have been employed to gather relevant data. The My Fieldwork was conducted in Sri Lanka, with the intention of gaining a better and more thorough understanding of the current situation. The interviews conducted were as such not structured or semi-structured, due to the interviewees’ varying professional background and institutional affiliation. Accordingly, unstructured interviews, as well as informal conversations and meetings, were conducted throughout Sri Lanka.

scholarly journals Fire Management in Mount Kenya: A Case Study of Gathiuru Forest Station

Forests ◽  
2018 ◽  
Vol 9 (8) ◽  
pp. 481 ◽  
Author(s):  
Kevin Nyongesa ◽  
Harald Vacik
Keyword(s):  
Fire Management ◽  
Secondary Data ◽  
Cost Effective ◽  
Fire Regimes ◽  
Economic Effects ◽  
Ecological Knowledge ◽  
Economic Activities ◽  
Resource Managers ◽  
Management Approaches

This paper proposes an Integrated Fire Management (IFM) framework that can be used to support communities and resource managers in finding effective and efficient approaches to prevent damaging fires, as well as to maintain desirable fire regimes in Kenya. Designing and implementing an IFM approach in Kenya calls for a systematic understanding of the various uses of fire and the underlying perceptions and traditional ecological knowledge of the local people. The proposed IFM framework allows different stakeholders to evaluate the risks posed by fires and balance them with their beneficial ecological and economic effects making it easier for them to develop effective fire management approaches. A case study of the proposed IFM framework was conducted in Gathiuru Forest, which that is part of the larger Mt. Kenya Forest Ecosystem. Focus group discussions were held with key resource persons, primary and secondary data on socio-economic activities was studied, fire and weather records were analysed and the current fire management plans were consulted. Questionnaires were used to assess how the IFM is implemented in the Gathiuru Forest Station. The results show that the proposed IFM framework is scalable and can be applied in places with fire-dependent ecosystems as well as in places with fire-sensitive ecosystems in Kenya. The effectiveness of the proposed IFM framework depends on the active participation, formulation and implementation of the IFM activities by the main stakeholder groups (Kenya Forest Service (KFS), Kenya Wildlife Service (KWS), and the Community Forest Associations (CFA). The proposed IFM framework helps in implementing cost-effective approaches to prevent damaging fires and maintain desirable fire regimes in Kenya.

scholarly journals Morocco's Participative Banking Sector: A Cross-Analysis of Current State, Opportunities and Challenges of Its Five Banks and Three Windows

2020 ◽  
Vol 4 (2) ◽  
pp. 8-19
Author(s):  
Oumniya Amrani ◽  
Amal Najab
Keyword(s):  
Banking Sector ◽  
Swot Analysis ◽  
Jel Classification ◽  
Benchmark Study ◽  
Current State ◽  
Start Up ◽  
Net Profit ◽  
Enormous Amount ◽  
Asset Growth

Launched two and a half years ago, the model of Islamic banking adopted by Morocco consists of five banks and three windows. This paper aims to present an exploratory case study of the performance of the eight actors of Morocco participative banking. The study reveals an increase of Murabaha funding and deposits while the total net profit remains negative (MAD -420 million) mainly due to the start-up costs absorbing an enormous amount of resources. Presented in a SWOT Analysis, the study’s results confirm that the sector is facing many difficulties and gaps that negatively affect the business especially the incomplete participative financial ecosystem. Then, the paper presents a benchmark study of Turkey’s participation in banking. Findings show that the financial ecosystem in Turkey is much more developed compared to Morocco. Consequently, this situation favored the rise of the five operational participation banks whose asset growth rate reached 99%, between 2014 and 2018, and recorded positive net profits which exceeded TL 2 billion. Nevertheless, both Morocco and Turkey participation banks are still too young and can make headway only if the regulators and the operators properly address the challenges which hamper their development. JEL Classification: G21, 057.  

The dark side of digital technology to overtourism: the case of Barcelona

2019 ◽  
Vol 11 (5) ◽  
pp. 582-593 ◽  
Author(s):  
Stéphane Bourliataux-Lajoinie ◽  
Frederic Dosquet ◽  
Josep Lluís del Olmo Arriaga
Keyword(s):  
Design Methodology ◽  
New Technologies ◽  
Secondary Data ◽  
Online Reviews ◽  
Dark Side ◽  
Content Type ◽  
Large Cities ◽  
Tourist Destinations ◽  
Rapid Spread

Purpose This study aims to offer a three-pronged reflection on overtourism in large cities such as Barcelona. The objective is to outline how technology can impact on overtourism and eventually, how to tackle the problem using technology. Design/methodology/approach The research design is based on secondary data (literature and online reviews) and a case study of Barcelona. Findings The most significant aspect is the rapid spread of comments and reviews about attractions and venues. Despite the interest in ICT generalisation, these new technologies have a dark side. Closely linked to fashion trends, some tourist destinations find themselves rapidly overbooked. Originality/value Unlike other studies, this paper reveals a dark side of technology and attempts to use technology to mitigate the impacts of overtourism.

Digital divide in light of religion, gender, and women’s digital participation

2020 ◽  
Vol 18 (3) ◽  
pp. 405-413
Author(s):  
Ruth Tsuria
Keyword(s):  
Digital Divide ◽  
Digital Media ◽  
Case Studies ◽  
Theoretical Approach ◽  
Design Methodology ◽  
Internet Access ◽  
Future Research ◽  
Content Type ◽  
Religious Traditions

Purpose This paper aims to argue for the importance of considering religious and cultural background as informing participant's access and attitudes towards digital media. Design/methodology/approach The paper takes a socio-cultural theoretical approach. In terms of methodology, it refers to case studies based on discourse analysis of online content. Findings The paper argues that the online discourse in the case studies presented discourages women from using digital media for their own empowerment. Research limitations/implications Some limitation include that this research focuses only on a case study from Judaism. Future research should examine how other religious traditions impact internet access and uses. Originality/value The paper's contribution is in its novel inclusion of religion as an element of the digital divide.

Reputation on the line: the Starbucks cases

2016 ◽  
Vol 37 (1) ◽  
pp. 19-26 ◽  
Author(s):  
Roger W. Hutt
Keyword(s):  
Risk Management ◽  
Design Methodology ◽  
Reference Points ◽  
Future Research ◽  
Content Type ◽  
Core Business ◽  
Reputational Risk ◽  
Practical Implications

Purpose – The paper aims to increase the understanding of reputational-risk management by examining company responses to potentially reputation-damaging incidents. Design/methodology/approach – Incidents with potential for damaging Starbucks Corporation’s reputation were described and summarized as were the company’s responses to those incidents. Findings – It was observed that the complexity of resolving a reputation-damaging incident was inversely related to its closeness to the company’s core business. Also, the longevity of incidents suggests the persistent influence of past events. Research limitations/implications – Limitations are that findings are not generalizable beyond this case study and that the bulk of the information collected pertained to one of the five incidents examined. Potential hypotheses for future research are suggested. Practical implications – Findings provide reference points and a context for managers responding to reputation-damaging incidents. Originality/value – The paper illustrates how reputation-damaging incidents can be complex and difficult to resolve the more removed they are from the company’s core business.

scholarly journals إدارة الأنشطة الإضافية لمهارتي " الكلام والكتابة " في دار اللغة العربية والفقه السلفي بمعهد النقاية لاتي سمنب مادورا

2020 ◽  
Vol 3 (1) ◽  
pp. 16-36
Author(s):  
Afandi Afandi
Keyword(s):  
Native Speaker ◽  
Writing Skills ◽  
Secondary Data ◽  
Data Sources ◽  
Research Approach ◽  
The Third ◽  
Writing Skill ◽  
Speaking Skill ◽  
Secondary Data Sources

It is not easy to speack arabic  for a student who are not native speaker, but it will be solved through much rehearsal. The student are not native speaker will be easy  to speak and write arabic. the rehearsal of this additional activity will be effective if it supports by right management. There are some purposes of this reasearch : 1. To know the planning of extracurricular for speaking and writing skill. 2. To know the organization of extracurricular for speaking and writing skill 3. To know the evaluation of extracurricular for speaking and writing skill. In This  research, the researcher uses qualitative research approach and case study methode. there are two data sources of this reasearch namely primer and secondary data sources, collecting the data through interview, observation, and documentation. Whereas analysing the data uses mils and hubberman analysing models. Based on the result of this research, can take conclusion that management of addtional activity for speaking and writing skill, the first is planning,  in this planning consist of establishing purpose, establishing programe, establishing advisor, establishing the fasility of the implamentation of speaking and writing skills. The second is organization, in this organization consist of distributing assigment and obligation to the teacher. The third is evalution, the evalution of extracurricular of speaking skill did orally whereas the evalution for writing skill through correcting the result of student’s wriring for one month. Keywords : management, extracurricular, speaking skill and writing skill

Sign in / Sign up

Export Citation Format

Share Document