The main objective of the ongoing research is to investigate obstacles and driving forces affecting merchants’ decision to invest in mobile payment solutions. The core aim of this paper is to present initial results of a desktop analysis revealing the current market situation, identifying main players, and estimating the structure of investment costs. In order to do that available secondary inf...

Payment card rewards programs have become increasingly popular in the United States. Nearly all large credit card issuers offer rewards to customers for using their cards, as do more than a third of depository institutions for using debit cards. Recent surveys suggest that many consumers now receive rewards. And rewards are becoming more generous and diversified, ranging from 5 percent cash-bac...

Despite the potential of micro-payment systems very few systems have been successful. Micro-payment markets exhibit twosided network externalities and the business models for these markets are not very well understood. By using a parsimonious game theoretic model, this paper studies factors affecting the existence of a market for micro-payment systems, how the users and merchants choose their a...

This paper analyses relevant IT governance and security frameworks/standards used in IT assurance and security to propose an integrated framework for ensuring effective PCI DSS implementation. Merchants dealing with credit cards have to comply with the Payment Card Industry Data Security Standards (PCI DSS) or face penalties for non-compliance. With more transactions based on credit cards, merc...

This article provides a historiographical review of scientific works devoted to the history merchants Kazakhstan, their role in socio-economic and cultural development country second half XIX – early XX century. Scientific interest figure merchant-entrepreneur, bay, creator trading network, industrial enterprises, philanthropist benefactor is justified, as it makes possible more clearly represe...

This paper presents a model of a debit or credit card payment scheme, providing a simple determination of the socially optimal structure of fees between those charged to cardholders and those charged to merchants.  2003 Elsevier B.V. All rights reserved.

The increasing awareness of environment protection had made the European Union request the enterprises, through legislation (such as WEEE, RoHS and EuP), to take the responsibility to minimize the environmental impact. Directive of WEEE stresses that producers are responsible for the collection and recycling of all electrical and electronic waste. This paper focuses on how manufacturers can mee...

Abstract To date, the research on Chinese figures residing or settling abroad and their residential settlements has mainly focused trade merchants. Merchants frequently traveled due to characteristics of occupation were therefore more likely reside in foreign countries for varying periods time process. Song-era records that document staying overseas, however, largely center around intellectuals...

Abstract The importance of overseas trade to England’s national wealth and international reputation in the eighteenth century amplified public discourse on social value merchants. Contemporary conduct books described a hierarchical occupational structure, where merchants enjoyed highest prestige within business community, with tradesmen manufacturers performing distinct progressively less value...