Legal and Regulatory Framework of the Payment and E-Money Services in the BRICS Countries

Shamraev, Andrey V.

doi:10.21684/2412-2343-2019-6-2-60-81

Cited by 6 publications

(3 citation statements)

References 2 publications

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“…Selain karena kegiatan berbelanja dapat dilakukan kapanpun dan di manapun, hal tersebut juga didukung dengan kemudahan cara bertransaksi yang ditawarkan. Salah satunya yaitu dengan adanya uang elektronik (emoney) (Aji, 2020;Chayanon, 2020;Gunawan, 2019;Haryadi, 2018;Nishibe, 2020;Octabriyantiningtyas, 2019;Omodero, 2021;Putra, 2019;Shamraev, 2019;Susanto, 2022;Widayat, 2020). Metode pembayaran secara digital ini sangat membantu masyarakat dalam bertransaksi (Aji, 2019;Alamanda, 2019;Budianita, 2021;Davoodalhosseini, 2020;Hoque, 2023;Khatimah, 2019;Lotz, 2019;Susan, 2020;Yang, 2019).…”

Section: Pendahuluanunclassified

Pengaruh Promosi, Kemudahan Penggunaan dan Risiko terhadap Keputusan Penggunaan E-Money Shopeepay di Sidoarjo

Anggraini,

Sari

2024

Innovative

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Tujuan dari penelitian ini adalah untuk mengetahui Pengaruh Promosi, Kemudahan Penggunaan dan Risiko Terhadap Keputusan Penggunaan E-money ShopeePay di Sidoarjo. Jenis penelitian adalah penelitian deskriptif dengan menggunakan metode kuantitatif. Pengambilan sampel menggunakan teknik non probability sampling serta metode purposive sampling. Terdapat sebanyak 96 responden yang terlibat dalam penelitian. Pengumpulan data menggunakan kuisioner yang disebarkan melalui google form. Serta dalam pengolahan datanya digunakan program SPSS Statistic 22. Penelitian ini memperoleh hasil bahwa promosi tidak memiliki pengaruh signifikan terhadap keputusan penggunaan, kemudahan penggunaan memiliki pengaruh secara signifikan terhadap keputusan penggunaan, dan risiko tidak memiliki pengaruh signifikan terhadap keputusan penggunaan e-money ShopeePay di Sidoarjo.

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Section: Pendahuluanunclassified

Pengaruh Promosi, Kemudahan Penggunaan dan Risiko terhadap Keputusan Penggunaan E-Money Shopeepay di Sidoarjo

Anggraini,

Sari

2024

Innovative

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“…E-money facilitates and supports the needs of people's activities in many ways, such as paying tolls, general transactions such as buying credit and shopping (Setiawati & Falah, 2019) (Davenport & Short, 1990). Payments made using e-money do not always require an authorization process and are online with the customer's account at the bank (Williamson & Money-America's, 2006) (Shamraev, 2019) (Widayat et al, 2020). In e-money, the value of money has been stored electronically in a payment instrument in the form of a media server or chip used (Abidin, 2015).…”

Section: Introductionmentioning

confidence: 99%

Analysis of The Effect of Non-Cash Payments, Interest Rate, and The Amount of The Money Circulation on Inflation in Indonesia

Putri

Safuridar

Amilia

et al. 2022

Int. J. on Social Sci, Econ and Art

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This study aims to determine how the partial and simultaneous influence of non-cash payments, interest rates and the money supply on inflation in Indonesia. This research was carried out from January 2021 to June 2021. The type of research data is quantitative. The independent variables in this study are non-cash payments (X1), interest rates (X2), and the money supply (X3) while the dependent variable is inflation (Y) with the object of research in Indonesia. Sources of data were collected in the form of secondary data for the 2009-2019 time series obtained from Bank Indonesia and the Central Statistics Agency. The analytical method used is multiple linear regression and classical assumption test. The results of the study partially state that non-cash payments and the money supply do not affect inflation, while interest rates have a significant effect on inflation in Indonesia. Simultaneously non-cash payments, interest rates and the money supply have a significant effect on inflation in Indonesia. ScoreR square is 0.4670 or 46.70%, meaning that the variables of e-money, interest rates, and the money supply affect inflation in Indonesia by 46.70%, while the remaining 53.30% is influenced by other factors outside the study.

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“…Most studies on the regulation of e-money are contextually localized and focus on country approaches to regulation: for example, in Malawi (Greenacre et al, 2014), Rwanda (Argent et al, 2013), Kenya (Breloff & Tarazi, 2010), United States (Ramasastry, 2008), or more regional approaches such as the BRICS countries (Shamraev, 2019) or the EU (Dehghan & Haghighi, 2015;Krueger, 2002). The studies show that across legal jurisdictions different regulatory strategies are adopted to target technological, social, and economic innovation in accordance with the monetary strategy of the country/region.…”

Section: The Regulation Of E-moneymentioning

confidence: 99%

A Framing Contest Between Institutional Actors on Crypto-Asset Policymaking in the EU

Pedersen

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The emergence of Bitcoin in 2009 sparked a revolution in the realm of crypto-assets, leading to the creation of a variety of novel innovations within financial services. Today, crypto-assets have collectively reached a market capitalization exceeding $2 trillion. Alongside technological advancements, interpretations of crypto-assets vary widely, ranging from considering them as money and payment systems to disruptive forces challenging traditional financial and regulatory frameworks. The regulatory landscape surrounding crypto-assets remains uncertain, prompting debates on the effectiveness of existing regulations in light of digitalization. Policy debates occur on national and supranational levels, where the emerging field of crypto-assets, offering a variety of novel financial services, also engage in policy work to address the increasing regulatory uncertainty arising across Europe. While the ‘Markets-in-Crypto-Assets’ (MiCA) regulation highlights Europe’s response to the developments of crypto-assets, understanding the work that went into the policymaking process remains unexplored. By integrating institutional work theory with an interdisciplinary interactive framing perspective, this case study examines how institutional actors construct meaning and shape policymaking surrounding crypto-assets. Through empirical analysis of an EU working group, this dissertation unfolds a process of institutional meaning making that spans three distinct periods: divergence, intensification, and stabilization. The analysis reveals how institutional actors engage in frame negotiations, developing and shifting frames due to interpretive shifts and environmental triggers. Six frames and two frame shifts are identified, reflecting the evolution of framing within the policymaking context. Moreover, the research reveals four framing mechanisms employed by the working group in their efforts to shape and influence policymaking outcomes. The findings of this research contribute to theory and practice by unravelling the complex search for policy action concerning emerging disruptive digital innovations. The main theoretical contribution to the Information Systems (IS) research domain on crypto-assets is a process model that integrates the evolution of framing, technological advancements, and the micro-mobilizing actions of institutional actors in shaping institutions and technological trajectories. The model illustrates the origin and emergence of frames, their evolution due to frame shifts, and their persistence or dissolution over time and across different periods of institutional meaning and decision-making. In addition, the findings contribute to theoretical advancements in institutional work theory and framing processes, providing insights into the negotiation strategies of institutional actors. Furthermore, this research extends beyond theoretical contributions to offer practical insights into the implications of policy on crypto-asset developments. Specifically, the acceleration of policymaking observed underscores the challenges posed by regulatory responses to technological innovation and the expertise asymmetry of policymakers. Additionally, the diversification, innovation, and bifurcation of the payment landscape and future considerations of the design of digital monetary strategies contribute to further discussions of the regulation of crypto-assets in the EU.

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Legal and Regulatory Framework of the Payment and E-Money Services in the BRICS Countries

Cited by 6 publications

References 2 publications

Pengaruh Promosi, Kemudahan Penggunaan dan Risiko terhadap Keputusan Penggunaan E-Money Shopeepay di Sidoarjo

Pengaruh Promosi, Kemudahan Penggunaan dan Risiko terhadap Keputusan Penggunaan E-Money Shopeepay di Sidoarjo

Analysis of The Effect of Non-Cash Payments, Interest Rate, and The Amount of The Money Circulation on Inflation in Indonesia

A Framing Contest Between Institutional Actors on Crypto-Asset Policymaking in the EU

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