Essays about: "bank payments"

Showing result 1 - 5 of 42 essays containing the words bank payments.

  1. 1. The E-krona and Traceability of Your Payment Data : An analysis of the fundamental differences and privacy-related impacts of the Riksbank’s e-krona pilot in comparison with card-based transactions

    University essay from Uppsala universitet/Juridiska institutionen

    Author : Lovisa Stenbacka; [2022]
    Keywords : e-krona; traceability; payment data; data protection; law; financial secrecy; AML; rule of law; democracy; technology; legal informatics; legal policy; law and technology; constitutional provisions; DLT; blockchain; wallet-id; information security; fintech; financial technology; the Riksbank; central bank; money; Riksbanken; finansiell teknologi; e-kronan; digital centralbanksvaluta; statlig kontroll; centralbank; konstitutionella förpliktelser; demokrati; skydd för betaldata; skydd för personuppgifter; finansiell sekretess; banksekretess; penningtvätt; informationsteknologi; rättsinformatik; rättspolitik;

    Abstract : The Riksbank is currently investigating the possibility of producing a Central Bank Digital Currency in Sweden, called “e-krona”, implemented through an “e-krona network” on a platform based on Distributed Ledger Technology. By applying the methodology of legal dogmatics, legal informatics, and a legal policy perspective, this thesis examines and analyses some of the fundamental differences in Sweden’s current payment system for transactions at the point of sale, comparing debit card-based transactions with payments using the model of the Riksbank’s e-krona pilot. READ MORE

  2. 2. Prediction of Short-term Default Probability of Credit Card Invoices Using Behavioural Data

    University essay from KTH/Matematisk statistik

    Author : Billy Lu; [2022]
    Keywords : Probability of Default; Credit Risk; Short-term Default Prediction; Machine Learning; Gradient Boosting; Thresholding; Sannolikheten för Fallissemang; Kreditrisk; Kortsiktig Fallissemang Prediktion; Maskininlärning; Gradientförstärkning; Tröskling;

    Abstract : Probability of Default (PD) is a standard metric to model and monitor credit risk, a major risk facing financial institutions. Traditional PD models are used to forecast risk levels in the long-term, while short-term PD predictions are rarer, but they can support management decisions on an operational level. READ MORE

  3. 3. Stablecoins: the possibility of a cryptocurrency becoming the future means of payment

    University essay from KTH/Skolan för industriell teknik och management (ITM)

    Author : Emelie Zhao; Oskar Ringström; [2022]
    Keywords : Cryptocurrencies; Stablecoins; Private money; Central Bank Digital Currencies; Payment systems; Kryptovalutor; Stablecoins; Privata pengar; Centralbanksvalutor; Betalsystem;

    Abstract : The emergence of stablecoins and their current implementations share many similarities to the American free banking era. This was an era with economically inefficient money and payment systems, where banks issued private money that were fully redeemable in theory but not always in practice. READ MORE

  4. 4. Influence of e-krona & e-CNY on individual privacy : A comparative study between Sweden and China

    University essay from Uppsala universitet/Industriell teknik

    Author : Shuyu Lan; Saleh Vaghoor kashani; [2021]
    Keywords : e-payment; CBDC; e-CNY; e-krona; privacy concerns;

    Abstract : This paper analyses the innovative digital money CBDC and its potential influence in Sweden and China with Privacy Calculus Model. The research aims to understand how e-krona and e-CNY will influence individual privacy in Sweden and China, and what the similarities and differences are. READ MORE

  5. 5. Smart Contracts, Insurtechs and the Future of Insurance

    University essay from Lunds universitet/Innovationsteknik

    Author : John Scherrer; Abtin Salahshor; [2020]
    Keywords : Smart contracts; Blockchain; Insurance; Insurtech; Diffusion theory; Adoption barriers; Technology and Engineering;

    Abstract : The insurance industry is notoriously conservative and has seen comparably few technological improvements in the last fifty years. A wave of new technology- driven insurance firms, or insurtechs, is changing that. READ MORE