Essays about: "credit cards"

Showing result 1 - 5 of 30 essays containing the words credit cards.

  1. 1. Buy Now, Pay Later: Assessing the Financial and Behavioral Implications for Gen-Z Consumers in the USA

    University essay from Blekinge Tekniska Högskola/Institutionen för industriell ekonomi

    Author : Feseha Gebeyehu; Avraam Mavridis; [2023]
    Keywords : BNPL; Gen-Z; Impulsive spending; Overconsumption; Debt; Credit; Financial Wellbeing;

    Abstract : Background: The payment methods available to consumers for online purchases have evolved over time, with options ranging from debit and credit cards to e-wallets like PayPal and Apple Pay. Among these methods, Buy Now Pay Later (BNPL) has emerged as a significant payment method alternative. READ MORE

  3. 2. Where did my money go? A practical investigation towards users’ overspending behavior on online payment solution.

    University essay from Uppsala universitet/Institutionen för informatik och media

    Author : Hangning Zhang; [2022]
    Keywords : Credit card premium; Online payment solution; Financial management; UX Design; Human-Computer Interaction;

    Abstract : When entering the age of information technology, cash payments were slowly been replaced by other methods including credit cards and online payment applications. On one hand, it brings convenience, on the other hand, people potentially spend more money than before. READ MORE

  4. 3. BNPL Probability of Default Modeling Including Macroeconomic Factors: A Supervised Learning Approach

    University essay from KTH/Matematisk statistik

    Author : Patrik Hardin; Robert Ingre; [2021]
    Keywords : Buy Now Pay Later; IFRS 9; Probability of Default; Expected Credit Loss; Macroeconomic factors; Machine Learning; Artificial Neural Network; XGBoost;

    Abstract : In recent years, the Buy Now Pay Later (BNPL) consumer credit industry associated with e-commerce has been rapidly emerging as an alternative to credit cards and traditional consumer credit products. In parallel, the regulation IFRS 9 was introduced in 2018 requiring creditors to become more proactive in forecasting their Expected Credit Losses and include the impact of macroeconomic factors. READ MORE

  5. 4. Scheduling in a Blockchain

    University essay from Linköpings universitet/Informationskodning

    Author : Fabian Petersen; [2020]
    Keywords : ;

    Abstract : Fewer customers in Sweden are using cash in their everyday transactions than ever before. If this trend continues, then the Swedish payment system will, in a few years, be entirely controlled by private companies. READ MORE

  6. 5. Connecting Electronic Wallets to Achieve Cross-Platform P2P Micropayments

    University essay from KTH/Skolan för elektroteknik och datavetenskap (EECS)

    Author : Daniel Muresu; Ahmad Shabeeb; [2019]
    Keywords : Micropayment; e-wallet; Distributed Systems; Blockchain; Wire Transfers; https: www.overleaf.com project 5c923cd521063b4a908c195a Mikrobetalningar; Elektroniska Plånböcker; Distribuerade System; Blockchain; Trådbunda Överföringar;

    Abstract : There are many different ways to conduct a payment in today’s society. The most common ways to transfer money is by using bank transfer, credit and debit cards or e-wallets. Global and instant micropayments are however not possible using different e-wallets as endpoints. READ MORE