The purpose of this study was to examine the relationship between financial literacy, use electronic money, self-control, and lifestyle factors in Generation Z internet shoppers Surabaya. This research method is quantitative. sample used consisted 109 respondents. Structural Equation Modeling (SEM) using Partial Least Squares (PLS) approach analytical used. results show, a) literacy variable on...

The research on off-line electronic cash(e-cash) schemes has drawn much attention since Chaum etc [8] presented the first off-line anonymous electronic cash scheme in 1988. However, anonymous electronic cash schemes also facilitate fraud and criminal activities [32], such as money laundering, blackmailing and illegal purchases. Frankel etc [13]. first introduces the concept of fair electronic c...

The cost of healthcare in the US is rising at an unsustainable rate and this cost is being transferred directly to the consumer. However, up to 30 per cent of all healthcare expense pays for administration of billing, collection and payments processing. Consumer-driven healthcare is one key way of countering excessive administration costs and a highdeductible health plan is central to this appr...

I n 2007, the leading cell phone company in Kenya, Safaricom Ltd., launched M-PESA, a short message service (SMS)-based money transfer system that allows individuals to deposit, send, and withdraw funds from a virtual account on their cell phones and that is separate from the banking system. M-PESA has grown rapidly, currently reaching more than seven million users, approximately 38 percent of ...

In this paper, we propose a novel electronic bearer check system (EBC). This system allows the consumer to pay any amount of money below an upper-boundary on the Internet within an expiration period. During each transaction, the consumer does not need to contact the bank’s server. Furthermore, this electronic bearer check can be transferred to any third party. The off-line characteristic of our...

Since keeping the customer purchasing a product/service is essential to maintaining the profitability of any business, the continuance of purchasing through the Internet is vital to online business. This study is one of the few attempts to investigate the perceived benefit factors affecting customers’ intention to continue purchasing through the Internet. According to a multiple regression anal...

The importance of an efficient billing/collections process lies in the fact that the overdue payment represents a source of capital that can be tapped and even used by a dialysis facility to generate further income. While it is outstanding, however, the payment represents nothing more than a unit’s own money being used by others. Here, the impact that an efficient billing/collections system can...

Pecuniary externalities have regained the interest of researchers as they seek policy interventions and regulations to remedy externality-induced distortions, e.g., balance sheet effects, amplifiers and fire sales. We show how bundling, exclusivity and additional markets internalize these pecuniary externalities; ex ante competition can achieve a constrained-efficient allocation. We cover a lar...

*I wish to thank Leonard Nakamura for helpful comments and conversations that helped shape this paper, although he bears no responsibility for its shortcomings. The views expressed in this paper are those of the author and do not necessarily reflect those of the Federal Reserve Bank of Philadelphia or of the Federal Reserve System.

Objective: The slow adoption of electronic health record (EHR) systems has been linked to physician resistance to change and the expense of EHR adoption. This qualitative study was conducted to evaluate benefits, and clarify limitations of two mature, robust, comprehensive EHR Systems by tech-savvy physicians where resistance and expense are not at issue. Methods: Two EHR systems were examined ...