scholarly journals Cash Management: A Shift in Payment Pattern of Indian Buyers during Covid 19

2020 ◽  
Vol 11 (2) ◽  
Author(s):  
Vandana Dhingra
Keyword(s):  
Statistical Tests ◽  
Credit Cards ◽  
Cash Management ◽  
Face To Face ◽  
Online Transactions ◽  
Payment Methods ◽  
Online Payment ◽  
Cash Payment ◽  
Spss Software ◽  
The Impact

Cash Management is always one of the cherished objectives of Planners & Policymakers not only in India but all over the world. The current Covid 19 crisis is the root for a shift in the Alternative payment methods. The usage of non-cash payment methods, such as e-wallets, online transactions using e-banking, debit and credit cards will increase extensively due to the impossibility of doing face to face transactions. People are forced to find alternative ways of shopping in the wake of Coronavirus crisis, and hence there will be a shift in the pattern of purchase (from real shopping to virtual/online shopping) and online payment methods. Not only this, certain payments like mobile recharge, electricity and water bills, municipal taxes, etc. are to be made online. People who were reluctant or slow in adapting to online payment methods have no choice but to adopt the non-traditional payment alternatives (m-wallets, Paytm, NEFT, RTGS, IMPS, etc). The Indian Income Tax act also encourages noncash payments by the customers through Section 44AD, Section 40A(3), to name a few. The paper examines the impact of Covid 19 on the payment pattern of Indian buyers by comparing the two scenarios 1. Before Covid 19, and 2. During Covid 19. The RBI statistic of payment methods from November 2019 to May 2019. To extrac the results, statistical tests like Paired t-test have been used with the help of SPSS software. The results indicate that covid 19 has a vital impact on non-cash payment methods.

scholarly journals Assessing the Impact of Attendance Modality on the Learning Performance of a Course on Machines and Mechanisms Theory

Mathematics ◽  
2021 ◽  
Vol 9 (5) ◽  
pp. 558
Author(s):  
David Valiente ◽  
Héctor Campello-Vicente ◽  
Emilio Velasco-Sánchez ◽  
Fernando Rodríguez-Mas ◽  
Nuria Campillo-Davo
Keyword(s):  
Statistical Tests ◽  
Group Testing ◽  
Test Group ◽  
Historical Record ◽  
Team Work ◽  
University Education ◽  
Learning Performance ◽  
Control Group ◽  
Face To Face ◽  
The Impact

University education approaches related to the field of science, technology, engineering and mathematics (STEM), have generally particularized on teaching activity and learning programs which are commonly understood as reoriented lessons that fuse theoretic concepts interweaved with practical activities. In this context, team work has been widely acknowledged as a means to conduct practical and hands-on lessons, and has been revealed to be successful in the achievement of exercise resolution and design tasks. Besides this, methodologies sustained by ICT resources such as online or blended approaches, have also reported numerous benefits for students’ active learning. However, such benefits have to be fully validated within the particular teaching context, which may facilitate student achievement to a greater or lesser extent. In this work, we analyze the impact of attendance modalities on the learning performance of a STEM-related course on “Machines and Mechanisms Theory”, in which practical lessons are tackled through a team work approach. The validity of the results is reinforced by group testing and statistical tests with a sample of 128 participants. Students were arranged in a test group (online attendance) and in a control group (face-to-face attendance) to proceed with team work during the practical lessons. Thus, the efficacy of distance and in situ methodologies is compared. Moreover, additional variables have also been compared according to the historical record of the course, in regards to previous academic years. Finally, students’ insights about the collaborative side of this program, self-knowledge and satisfaction with the proposal have also been reported by a custom questionnaire. The results demonstrate greater performance and satisfaction amongst participants in the face-to-face modality. Such a modality is prooven to be statistically significant for the final achievement of students in detriment to online attendance.

17. Electronic payments and cryptocurrency

2019 ◽  
pp. 438-452
Author(s):  
Andrew Murray
Keyword(s):  
Electronic Commerce ◽  
Credit Cards ◽  
Legal Environment ◽  
Electronic Payment ◽  
Payment Systems ◽  
Considerable Time ◽  
Electronic Money ◽  
Electronic Payments ◽  
Payment Methods ◽  
Online Payment

This chapter examines online payment methods, including the use of tokens, in electronic commerce. It first provides an overview of token payments before looking at alternative electronic payment systems including debt substitution, payment by credit cards, and fund transfer. The chapter reviews the failure of the European Commission’s Electronic Money Directive 2000 and examines whether the current law, found in the 2009 Electronic Money Directive, is likely to provide a better legal environment for electronic money to flourish. It spends considerable time looking at the development of cryptocurrencies, including bitcoin and how blockchain is used to establish trust in cryptocurrency transactions, before concluding with an analysis of the law in relation to cryptocurrency.

scholarly journals The Impact of the Ongoing Pandemic on Digital Finance Transactions: An Empirical Analysis

2021 ◽  
Vol 13 (3(I)) ◽  
pp. 41-46
Author(s):  
Khushbu Agarwal ◽  
Nidhi Nalwaya
Keyword(s):  
Empirical Analysis ◽  
Economic Activity ◽  
Private Consumption ◽  
Credit Cards ◽  
Retail Stores ◽  
External Trade ◽  
Online Transactions ◽  
The Government ◽  
The Impact ◽  
Payment Mechanisms

The ongoing pandemic has resulted in a disruption of the life of all citizens and impacted all the spheres, more so the financial system because the Pandemic and its aftermath has shut all economic activity except those which as per the government directives are considered the most essential. This has deeply impacted private consumption, external trade as well as investment in the economy. Accordingly, both in retail stores and e-commerce orders, a common strand is that many of the consumers are now paying bills via digital payment mechanisms and taking contactless delivery of goods wherever possible. “Digital financial transaction systems, e-wallets and apps, online transactions using e-banking, usage of Plastic money (Debit and Credit Cards), etc. have recorded a substantial increase in demand during the crisis”. The objective of the present paper is to examine and analyze the digital finance transactions in selected cities during the ongoing pandemic

scholarly journals Factors impacting community’s prioritization towards the benefits of Sustainable Urban Drainage Systems: A case study of Nhieu Loc – Thi Nghe sub-basin, Ho Chi Minh City

2020 ◽  
Vol 4 (4) ◽  
pp. First
Author(s):  
Nguyen Hoang My Lan ◽  
Ho Huu Loc ◽  
Phan Dinh Bich Van ◽  
Vo Le Phu ◽  
Le Van Trung
Keyword(s):  
Statistical Tests ◽  
Drainage System ◽  
Impact Factors ◽  
Urban Drainage ◽  
Run Off ◽  
Spss Software ◽  
The Impact ◽  
Priority Levels ◽  
Data Processing Methods

Sustainable Urban Drainage System (SUDS) includes various drainage techniques designed to reduce the run-off flow, improve the water quality, and provide amenity or landscape features. However, selecting the appropriate SUDS technique depends on not only the technical characteristics but also the community's perception and preference. Therefore, this study aims to determine the impact factors on the probability of households' prioritization towards SUDS benefits in the context of Nhieu Loc - Thi Nghe sub-basin, including the benefits of flood reduction, environmental enhancement, and landscape improvement. Data processing methods used in this study consist of statistical tests and ordinal regression using SPSS software. The regression results show that the overall accurate prediction rate for the 3 priority levels of SUDS benefits ranges from 50% to 70%. Factors that statistically significantly influence the priority include household income, knowledge of SUDS, frequency of flooding, depth of flooding, the distance to the nearest park, the distance to the nearest water body, and the distance to the nearest flooded location. In particular, the proximity to the nearest park affects the priority choice for all SUDS benefits with the principle that households near the park will probably choose higher priority to SUDS benefits than those living further.

scholarly journals Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan

2020 ◽  
Vol 1 (1) ◽  
pp. 85-96
Author(s):  
Decky Hendarsyah
Keyword(s):  
Consumer Behavior ◽  
Credit Card ◽  
Credit Cards ◽  
Personal Factors ◽  
Payment Methods ◽  
Cash Payment ◽  
Banking Credit

This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.

Payment Methods in Mergers and Acquisitions: A Theoretical Framework

2018 ◽  
Vol 8 (1) ◽  
pp. 170 ◽  
Author(s):  
B. P. Bijay Sankar ◽  
N. M. Leepsa
Keyword(s):  
Mergers And Acquisitions ◽  
Payment Method ◽  
Negative Effects ◽  
Empirical Survey ◽  
Payment Methods ◽  
Cash Payment ◽  
Prior Literature ◽  
Future Work ◽  
The Impact ◽  
Selection Of

Purpose: This paper aims to review the prior literature on payment methods in Mergers and Acquisitions (M&As) and summarizing its effects on the performance of companies involved in M&As. This study also attempts to find out various determinants of the payment methods of M&As that affects the decision of payment methods in M&As. Methodology: To carry out the analysis, this study focuses the past literature relating to payment methods in M&As and summarizes the positive and negative effects of different payment methods. The review is carried out by dividing into four parts (i) Literature studies on cash payment method (ii) Literature studies on stock payment method (iii) Literature studies on mixed payment and (iv) Determinants of payment methods. The paper investigates based on the findings of the major studies.Research limitations: The scope of the study is confined to the contemporary review of M&As literature than the empirical survey. The study is focused more on giving suggestions for future work on M&As than providing conclusion. Research Implications: The knowledge gained from this study will help managers from both acquirer and target companies for selection of appropriate payment methods and improve their investment mechanism and strengthen their finances by value creation in M&As. Originality: To the authors’ knowledge this paper is the first attempt to document for summarizing the impact of different payment methods and its determinants of performance of M&As deals.

scholarly journals PENGEMBANGAN SISTEM PEMBAYARAN UNTUK DESA WISATA TRI EKA BUANA DENGAN ONLINE PAYMENT

Dharma LPPM ◽  
2021 ◽  
Vol 2 (1) ◽  
Author(s):  
I G P Fajar Pranadi Sudhana ◽  
I Gde Agus Jaya Sadguna ◽  
I Gede Nyoman Suta Waisnawa ◽  
Ayu Dwi Yulianthi ◽  
A A Ayu Ngurah Harmini
Keyword(s):  
Spatial Planning ◽  
Payment System ◽  
Digital Marketing ◽  
First Year ◽  
Master Plan ◽  
Supervision System ◽  
Online Transactions ◽  
Payment Methods ◽  
Online Payment ◽  
Payment Gateway

Since 2019, Tri Eka Buana Village, located in Sidemen sub-district, Karangasem Bali Regency, through the Bali State Polytechnic service team has received a PPDM grant to form a tourism village with natural potential and a producer of traditional Balinese arak drinks. Various kinds of activities from the solutions offered have been implemented in the first year of 2019. including compiling a master plan for developing a tourism village, formulating a village cleanliness supervision system, carrying out socialization of tourism village spatial planning, socialization and tourism outreach, and compiling a tourism village marketing program through digital marketing . One of the activities that has been carried out is the development of the Tri Eka Buana Tourism Village website. Online transactions are increasingly in demand, even have become a trend among the wider community. Besides, it can be done anytime and anywhere without any time or distance restrictions. E-payment offers various kinds of convenience and practicality in making payments. Various kinds of payment methods can be integrated into the system making it easier for customers to make payments according to orders made. The tourism village of Tri Eka Buana Sidemen Karangasem Bali, can take advantage of this online payment system to help tourism village operations in the future. The development of this online payment system can be developed by building a tourism village website, adding ecommerce facilities to the website that has been built, registering and activating one of the payment gateway services, and integrating the Tri Eka Buana tourism village website with a payment gateway service.

scholarly journals “Impact of E-Payment Systems on Customer Satisfaction”

2021 ◽  
Vol 9 (10) ◽  
pp. 573-581
Author(s):  
Akshay Mohan
Keyword(s):  
Customer Satisfaction ◽  
User Experience ◽  
Credit Cards ◽  
Internet Banking ◽  
Primary Data ◽  
Full Time ◽  
Payment Systems ◽  
Online Payment ◽  
The Impact ◽  
Debit Cards

Abstract: Everything has shifted online since the outbreak of the pandemic, from education to full-time jobs to health check-ups. What's important to remember here is that the majority of our day-to-day activities increasingly include making payments online. Although e-payment and e-banking solutions have been available for some time now, the pandemic has effectively compelled a huge portion of the urban and rural populations to use them. This research study aims to find out how widely epayment and e-banking systems are used and how they affect the user experience. Researchers have often been drawn to digital payment systems since they are a relatively new concept (the first digital payment system was only established in the 1990s). Over time, researchers have attempted to characterize the value of digital payment systems and what they represented for modern ecommerce, consumer personal finance, and economies around the world. According to the literature analyzed from many articles and research papers, digital payment is significantly more convenient than traditional paper currency. There has been a lot of studies done on the problems with digital payment systems (such as serious security issues and inaccessibility to these systems owing to low internet penetration), which pushes developers to keep working on these systems for the purpose of safer and faster transactions. According to several studies, online payment technology can cut costs, increase the number of consumers for a firm, improve customer-company interaction, and improve the company's image. This necessitates businesses providing a frictionless payment experience to their customers. In this research paper, a large amount of secondary data, as well as primary data acquired via survey, was utilized to highlight the paper's aims, type, and, most importantly, to analyze and interpret the data in order to better address the problem statement. We've come to the conclusion that electronic payment solutions have a huge impact on client satisfaction. Customers are increasingly turning to e-payment systems as a result of the pandemic's regular lockdowns, which have limited access to banks and conventional ATMs. While making online payments, consumers look for offers, rewards, discounts, and other incentives, which distinguish them from cash on delivery payments. Businesses (large and small) should make sure that their customers have a variety of ways to pay for goods and services (debit cards, credit cards, digital wallets, UPI, prepaid cards). Purpose & Summary of Study 1) Purpose ● To ascertain the extent to which e-payment systems are employed. ● To examine the impact of e-payment systems on customer satisfaction. ● To discuss issues surrounding e-payment systems. 2) Summary: The goal of this study is to find out how widely e-payment and e-banking technologies are used and how they affect the user experience. For the purposes of this study, a large amount of related literature, as well as primary data acquired by survey, was evaluated. Concerns about e-payment systems have also been raised. We noticed that the pandemic has driven a big number of people to utilize e-payment systems and that having a functional and seamless online payment experience is critical to attracting customers to all types of enterprises. Despite security concerns and a lack of access to faster internet connections, Indians are beginning to embrace online payment solutions. Keywords: E-payments, Credit Cards, Online Transactions, Cash Payment, E-Commerce, Customer Satisfaction, Debit Cards, Google-Pay, UPI Apps, Internet Banking

Transitioning to Blended Learning: Understanding Student and Faculty Perceptions

2011 ◽  
Vol 15 (1) ◽  
Author(s):  
Nanette P. Napier ◽  
Sonal Dekhane ◽  
Stella Smith
Keyword(s):  
Blended Learning ◽  
Student Performance ◽  
Liberal Arts ◽  
Faculty Perceptions ◽  
Liberal Arts College ◽  
Final Exam ◽  
Face To Face ◽  
Faculty Teaching ◽  
Face To Face Instruction ◽  
The Impact

This paper describes the conversion of an introductory computing course to the blended learning model at a small, public liberal arts college. Blended learning significantly reduces face-to-face instruction by incorporating rich, online learning experiences. To assess the impact of blended learning on students, survey data was collected at the midpoint and end of semester, and student performance on the final exam was compared in traditional and blended learning sections. To capture faculty perspectives on teaching blended learning courses, written reflections and discussions from faculty teaching blended learning sections were analyzed. Results indicate that student performance in the traditional and blended learning sections of the course were comparable and that students reported high levels of interaction with their instructor. Faculty teaching the course share insights on transitioning to the blended learning format.

An influence of social isolation on the level of physical activity as well as on well-being and mental state of people during the coronavirus COVID-19 pandemic

2019 ◽  
Vol 129 (4) ◽  
pp. 127-131
Author(s):  
Agnieszka Parfin ◽  
Krystian Wdowiak ◽  
Marzena Furtak-Niczyporuk ◽  
Jolanta Herda
Keyword(s):  
Physical Activity ◽  
Social Isolation ◽  
Small Sample Size ◽  
Statistical Tests ◽  
Population Group ◽  
Well Being ◽  
Small Sample ◽  
Subjective Well Being ◽  
Tract Infections ◽  
The Impact

AbstractIntroduction. The COVID-19 is the name of an infectious disease caused by a new strain of coronavirus SARS-CoV-2 (Severe Acute Respiratory Syndrome Coronavirus 2). It was first diagnosed in December 2019 in patients in Wuhan City, Hubei Province, China. The symptoms are dominated by features of respiratory tract infections, in some patients with a very severe course leading to respiratory failure and, in extreme cases to death. Due to the spread of the infection worldwide, the WHO declared a pandemic in March 2020.Aim. An investigation of the impact of social isolation introduced due to the coronavirus pandemic on selected aspects of life. The researchers focused on observing changes in habits related to physical activity and their connections with people’s subjective well-being and emotional state.Material and methods. The study was carried out within the international project of the group „IRG on COVID and exercise”. The research tool was a standardized questionnaire.Results. Based on the data collected and the analysis of the percentage results, it can be observed that the overwhelming majority of people taking up physical activity reported a better mood during the pandemic. However, statistical tests do not confirm these relationships due to the small sample size.Conclusions. Isolation favours physical activity. Future, in-depth studies, by enlarging the population group, are necessary to confirm the above observations.

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