50 Results Found

The rapid growth of data communications networks in recent years has led to enormous development in electronic commerce. Internet banking and trading are two important applications that execute financial transaction from anywhere in the world. This e...

As an increasing number of people purchase goods and services online, micropayment systems are becoming particularly important for mobile and electronic commerce. We have designed and developed such a system called M&E-NetPay (Mobile and Electron...

The digitalization of micro, small, and medium enterprises (MSMEs) is important, considering the many associated benefits. Indonesia, through the government’s direction, has begun to develop digitalization through the introduction of e-payment...

A blockchain-oriented continuous micropayment system forms an integral element of the digital economy, enabling seamless transactions and encouraging minor purchases. However, due to the inherent throughput constraints of blockchain, payment channels...

In recent years, microgrids have developed as important parts of power systems and have provided affordable, reliable, and sustainable supplies of electricity. Each microgrid is managed as a single controllable entity with respect to the existing pow...

Participatory sensing combines the powerful sensing capabilities of current mobile devices with the mobility and intelligence of human beings, and as such has to potential to collect various types of information at a high spatial and temporal resolut...

The broad inclusiveness of digital inclusive finance is essential for promoting coordinated regional development. This paper focuses on the impact of digital inclusive finance on creating county enterprises, discussing its heterogeneity in terms of r...

The Lightning Network (LN) has emerged as one of the prominent solutions to overcome the biggest limit of blockchain based on PoW: scalability. LN allows for creating a layer on top of an existing blockchain where users can send payments and micro-pa...

The construction industry faces significant payment processing challenges characterized by delays, disputes, and cash flow constraints affecting contractors. Traditional systems rely on fragmented, paper-based processes lacking transparency and real-...

E-lottery schemes have attracted much interest from both industry and academia recently, because they are not only useful to raise funds for charity institutions, but also can be used as the major building blocks to design micro-payment systems. In t...

In the global South, low-income populations are faced with frequent health shocks. Formal mechanisms to protect them against these shocks are absent or limited. Thus, what are the mechanisms used by low-income rural populations to finance healthcare?...

Despite the many advantages that mobile money offers to Small and Medium-sized Enterprises (SMEs) relative to traditional banking services, the majority of stakeholders of this platform have not yet maximised its use owing to several concerns not lim...

A potential rise in interest in the Internet of Things in the upcoming years is expected in the fields of healthcare, supply chain, logistics, industries, smart cities, smart homes, cyber physical systems, etc. This paper discloses the fusion of the...

This paper reviews the existing empirical micro-level models of demand for out-patient physician services where the size of patient payment is included either directly as an independent variable (when a flat-rate co-payment fee) or indirectly as a le...

Rural solid waste management is an important method to improve rural living environments. Farmers’ participation in rural solid waste management plays an essential role in sustainable waste management. Based on the micro-survey data of 592 farm...

Digital finance carries the expectation of achieving inclusiveness. The purpose of this paper is to explore how digital finance can improve the financial availability and the extent to which digital finance can improve the financial availability of f...

This study focuses on tax evasion within the framework of earmarking taxation, specifically focusing on the evasion of car ownership taxes. We utilize a unique and extensive micro-database that combines information on regular payments of the tax due,...

Deforestation and the unsustainable management of agricultural and livestock production systems in tropical mountain areas have caused fragmented and degraded landscapes. Payment for ecosystem services (PES) could be an effective policy instrument wi...

Traditionally, actuaries have used run-off triangles to estimate reserve (“macro” models, on aggregated data). However, it is possible to model payments related to individual claims. If those models provide similar estimations, we investigate uncerta...

Micro, small and medium enterprises (MSMEs) contribute significantly to Indonesia’s economic growth. In an increasingly digitalised era, MSMEs face challenges and opportunities that affect their performance. Technology adoption will have an imp...

Aimed at advancing the reform of the Paid Use of Residential Land, this study investigates the willingness to pay among farmers and its underlying factors. Based on a Logistic Regression analysis of a micro-survey of 450 pieces of data from the Sichu...

Blockchain is one of the leading data transfer technologies that eliminate the need for centralized management through consensus algorithms. This article describes the consensus algorithms, their benefits, and their applications within a micropayment...

Incentives contribute to the proper functioning of the broader contracts that regulate the relationships between health systems and professionals. Likewise, incentives are an important element of clinical governance understood as health services’ man...

Government efforts and reforms in health financing systems in various countries are aimed at achieving universal health coverage. Household spending on healthcare plays a very important role in achieving this goal. The aim of this systematic review w...

In rural Nepal, micro-hydropower plant mini-grids provide renewable electricity to thousands of communities but the plants often have poor financial sustainability. Widespread uptake of electric cooking in such communities is currently not feasible d...

In this manuscript, we discuss relevant socioeconomic factors for developing and implementing sensor analytic point solutions (SNAPS) as point-of-care tools to serve impoverished communities. The distinct economic, environmental, cultural, and ethica...

Small and medium-sized businesses (SMEs) are frequently exposed to a variety of difficulties during global epidemic crises like coronavirus (COVID-19), which may even threaten their lives. The purpose of this study explores the influencing factors of...

The common reed (Phragmites australis) is a frequent dominant species in European wetlands. Yet, its performance can vary in response to different combinations of environmental factors. This accounts for P. australis decline on deep-water sites, its...

With the emergence of non-fungible tokens (NFTs) in blockchain technology, educational institutions have been able to use NFTs to reward students. This is done by automatically processing transaction information and the buying and selling process usi...

Identifying factors influencing the viability of medium, small, and micro scale construction firms (MSMSCFs) is a crucial precursor in positioning such firms to aid economic and infrastructural development, especially in developing countries. This ar...

Bitcoin is a digital currency based on a peer-to-peer payment system managed by an open source software and characterized by lower transaction costs, greater security and scalability than fiat money and no need of a central bank. Despite criticisms a...

Cloud computing offerings traditionally originate from a handful of large and well established providers, which monopolize the market, preventing small players and individuals from having a share. As a result, the few, blindly and perforce trusted en...

The digital mapping applications underlying augmented reality have strong public benefits but can also have unappreciated effects on real property. In recent litigation on Pokémon Go, an enhanced digital mapping application in which players pa...

The article aims to present how the COVID-19 pandemic lockdown affects the functioning and circulation of complementary currencies in entities that have joined the complementary currency system with a special focus on the complementary currency Zielo...

The development of China’s sharing economy has slowed down significantly after experiencing the savage growth since the beginning of 2018 and has entered the turning point of structural adjustment. Factors including homogeneous and single profi...

The development of fast-moving consumer goods (FMCGs) retail has demonstrated an evolution of buyer–seller interactions. In the era of digital transformation, FMCGs and micro, small, and medium enterprises (MSMEs) can easily use website applica...

Blockchain is widely promoted as a tool for enhancing transparency, trust, and sustainability in business, yet little is known about how creative micro, small, and medium enterprises (MSMEs) in emerging economies can meaningfully adopt it for finance...

The proliferation of Internet of Things (IoT) applications in safety-critical domains, such as healthcare, smart transportation, and industrial automation, demands robust solutions for data integrity, traceability, and security that surpass the capab...

The present study aimed to determine the optimum policy component in an example of potato cultivation development based on the principle of the efficient use of scarce resources and maximizing the benefit of the producer. Agricultural support policie...

As governments increasingly explore digital financial instruments to diversify funding channels and expand citizen participation, Thailand’s G-Token represents an early attempt to integrate blockchain technology into sovereign debt issuance. Th...

As cross-border e-commerce expands in emerging economies, consumer participation increasingly depends on perceived transaction risk linked to digital payments, settlement, dispute resolution, and institutional enforceability. This study reconceptuali...

Although self-service facilities (SSFs) have been used on a large scale worldwide, they can be easily contaminated by microorganisms from the hands of their sequential users. This research aimed to study the prevalence and antimicrobial susceptibilit...

This study attempts to reveal the consequences of coronavirus disease 2019 (COVID-19) on micro, small, and medium enterprises (MSMEs) in Chiang Mai, Thailand. A total of 786 MSMEs were surveyed during May and August 2022, corresponding to the period...

The dual credit policy is currently the main starting point for China to achieve the green and sustainable development of the auto market. However, the policy’s impact on future market development remains unclear. It is necessary to consider th...

It is the focus of social security system reform at this stage in China to promote the transition of basic endowment insurance for urban employees from provincial overall planning level to national overall planning level, which is of great significan...

The global creator economy has generated standardised monetisation strategies, yet their effectiveness varies significantly across regional contexts. This study examines how South African student influencers adapt global monetisation approaches to lo...

Background: Fintech companies have revolutionized the financial services industry in India in recent years. This is especially true for the growth of digital payment methods. India’s unbanked are being introduced to banking by fintech companies...

With the rapid development of society, especially the advent of intelligent technology of life services, the ability of the elderly to adapt to modern digital life is getting weaker and weaker, the dilemma of the “digital divide” for the...

With the electric power grid experiencing a rapid shift to the smart grid paradigm over a deregulated energy market, Internet of Things (IoT)-based solutions are gaining prominence, and innovative peer-to-peer (P2P) energy trading at a micro level is...

Under the global climate governance framework, advancing China’s “Dual Carbon” goals within the context of sustainable development requires detailed, micro-level research. While existing studies predominantly focus on national or pr...