DİJİTAL ÖDEME SİSTEMLERİNİN 25 YILI

Year 2021, Volume: 11 Issue: 2, 282 - 298, 31.12.2021

Selçuk Yasin Yıldız

Abstract

Bu çalışmanın amacı, dijital ödeme sistemlerine yönelik ilk çalışmanın yapıldığı 1997 yılından günümüze kadar geçen 25 yıllık süreçte hazırlanmış çalışmaların, genel bir haritasını çıkarmaktır. Dijital ödeme sistemleri literatürünün genel bir haritasını çıkarmak için hazırlanmış bu çalışmada, Web of Science veri tabanında bulunan ve Social Sciences Citation Index'te taranan dergiler bibliyometrik analiz yöntemi kullanılarak incelenmiştir. Yapılan inceleme sonucunda dijital ödeme sistemleri çalışmalarında kullanılan anahtar kelimeler ve bu çalışmalara yapılan atıflar haritalandırılarak literatürün genel bir profili çıkarılmıştır. Analiz sonuçlarının görselleştirilmesi için “VOSviewer” programı kullanılarak bilimsel haritaların görselleştirilmesi gerçekleştirilmiştir. Dijital ödeme sistemleri konusunda çalışmaların başladığı 1997 yılından günümüze kadar uzanan yaklaşık 25 yılda yayımlanmış 1326 çalışma tespit edilmiş ve bu çalışmaların tamamı analize dahil edilmiştir. Bu analizler sonucunda 1997-2021 yılları arasında yayımlanan çalışmalar, ülkeye ve yayımlandığı dergiye göre kategorize edilip, yıllara göre yoğunlukları belirlenmiştir. 2013 yılından itibaren artan bir ivme yakalayan dijital ödeme sistemleri konusunda en fazla Çin, ABD ve Hindistan'da çalışmalar yapıldığı görülmüştür. Özellikle teknoloji ve pazarlama dergilerinde sıkça yayımlanan dijital ödeme sistemlerine ait çalışmalarda mobil ödemeler, güvenlik, güven ve mobil cüzdan anahtar kelimeleri dikkat çekmektedir. Bu sayede, dijital ödeme sistemleri ile ilgili bugüne kadar yapılmış çalışmalar gözden geçirilmiş olup, çalışma sonuçları özellikle pazarlama literatürü açısından halihazırda çalışılmamış konulara ulaşılması açısından rehber niteliği taşımaktadır.

Keywords

Dijital ödeme sistemleri, mobil ödeme, bibliyometrik analiz

25 YEARS OF DIGITAL PAYMENT SYSTEMS

Abstract

This study aims to make a general map of the studies prepared in the 25 years since the first study on digital payment systems was carried out in 1997. In this study, which was prepared to make a general map of the literature of digital payment systems, the journals in the Wos database and scanned in the SSCI were examined using the bibliometric analysis method. Keywords used in digital payment systems studies and references to these studies were mapped, and a general profile of the literature was taken. Visualization of scientific maps was carried out using the "VOSviewer" program to visualize the analysis results. In approximately 25 years since the beginning of the studies on digital payment systems in 1997, 1326 studies have been identified, and all these studies have been included in the analysis. Whereby these analyses, the studies published between 1997 and 2021 were categorized according to the country and the journal in which they were published. Since 2013, most studies have been carried out in China, the USA, and India on digital payment systems, which have gained increasing momentum. Mobile payments, security, trust, and mobile wallet keywords are especially notable in the studies of digital payment systems published frequently in technology and marketing journals. So, the studies carried out so far on digital payment systems have been reviewed. Finally, the studies are a guide to reaching the subjects that have not already been studied, especially in terms of marketing literature.

Keywords

Digital payment system, mobile payment, bibliometric analysis

References

• Abdullah, S. A., & Khan, N. M. (2021). Determining mobile payment adoption: A systematic literature search and bibliometric analysis. Cogent Business & Management, 8(1).
• Akanfe, O., Valecha, R., & Rao, H. R. (2020). Assessing country-level privacy risk for digital payment systems. Computers & Security, 99.
• Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53.
• Bar-Ilan, J. (2008). Informetrics at the beginning of the 21st century-A review. Journal of informetrics, 2(1).
• Bezovski, Z. (2016). The future of the mobile payment as electronic payment system. European Journal of Business and Management, 8(8), 127-132.
• Bojjagani, S., Sastry, V. N., Chen, C. M., Kumari, S., & Khan, M. K. (2021). Systematic survey of mobile payments, protocols, and security infrastructure. Journal of Ambient Intelligence and Humanized Computing.
• Bossone, B., & Cirasino, M. (2001). The oversight of the payments systems: A framework for the development and governance of payment systems in emerging economies: The World Bank.
• Chen, W. D., Mayes, K. E., Lien, Y. H., & Chiu, J. H. (2011). NFC mobile payment with Citizen Digital Certificate. Paper presented at the The 2nd International Conference on Next Generation Information Technology.
• Chou, Y., Lee, C., & Chung, J. (2004). Understanding m-commerce payment systems through the analytic hierarchy process. Journal of Business Research, 57(12), 1423-1430.
• Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165-181.
• Donnelly, M. (2016). Payments in the digital market: Evaluating the contribution of payment services directive II. Computer Law & Security Review, 32(6), 827-839.
• Eriksson, N., Gökhan, A., & Stenius, M. (2021). A qualitative study of consumer resistance to mobile payments for in-store purchases. Procedia Computer Science, 181, 634-641.
• Foscht, T., Maloles, C., Swoboda, B., & Chia, S. L. (2010). Debit and credit card usage and satisfaction: Who uses which and why – evidence from Austria. International Journal of Bank Marketing, 28(2), 150-165.
• Galande, M. A., & Borkar, D. D. S. (2021). Digital payment: The canvas of Indian banking financial. European Journal of Molecular & Clinical Medicine, 7(8), 5868-5871.
• Ghosh, S., Majumder, A., Goswami, J., Kumar, A., Mohanty, S. P., & Bhattacharyya, B. K. (2016). Swing-pay: One card meets all user payment and identity needs: A digital card module using NFC and biometric authentication for peer-to-peer payment. IEEE Consumer Electronics Magazine, 6(1), 82-93.
• Gómez, J. A., Arévalo, J., Paredes, R., & Nin, J. (2018). End-to-end neural network architecture for fraud scoring in card payments. Pattern Recognition Letters, 105, 175-181.
• Guan, S. U., & Hua, F. (2003). A multi-agent architecture for electronic payment. International Journal of Information Technology & Decision Making, 2(3), 497-522.
• Guo, Y.-M., Huang, Z.-L., Guo, J., Guo, X.-R., Li, H., Liu, M.-Y., . . . Nkeli, M. J. (2021). A bibliometric analysis and visualization of blockchain. Future Generation Computer Systems, 116, 316-332.
• Hew, J. J. (2017). Hall of fame for mobile commerce and its applications: A bibliometric evaluation of a decade and a half (2000–2015). Telematics and Informatics, 34(1), 43-66.
• Hitczenko, M., & Tai, M. (2014). Measuring unfamiliar economic concepts: The case of prepaid card adoption. Federal Reserve Bank Working Papers, 14(9).
• Hoang, T. D. L., Nguyen, H. K., & Nguyen, H. T. (2021). Towards an economic recovery after the COVID-19 pandemic: Empirical study on electronic commerce adoption of small and medium enterprises in Vietnam. Management & Marketing, 16(1), 47-68.
• Hu, Y., Manzoor, A., Ekparinya, P., Liyanage, M., Thilakarathna, K., Jourjon, G., & Seneviratne, A. (2019). A delay-tolerant payment scheme based on the ethereum blockchain. IEEE Access, 7.
• Huang, P., & Boucouvalas, A. C. (2006). Future personal" e-payment": IRFM. IEEE Wireless Communications, 13(1), 60-66.
• Iman, N. (2018). Is mobile payment still relevant in the fintech era? Electronic Commerce Research and Applications, 30, 72-82.
• Jain, D., Dash, M. K., & Thakur, K. S. (2021). Development of research agenda on demonetization based on bibliometric visualization. International Journal of Emerging Markets.
• Jaradat, M. I. R. M., & Faqih, K. M. (2014). Investigating the moderating effects of gender and self-efficacy in the context of mobile payment adoption: A developing country perspective. International Journal of Business and Management, 9(11), 147-169.
• Juang, W. S. (2010). RO-cash: An efficient and practical recoverable pre-paid offline e-cash scheme using bilinear pairings. Journal of Systems and Software, 83(4), 638-645.
• Kamran, M., Khan, H. U., Nisar, W., Farooq, M., & Rehman, S. U. (2020). Blockchain and Internet of Things: A bibliometric study. Computers & Electrical Engineering, 81.
• Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310-322.
• Levitin, A. J. (2018). Pandora's digital box: The promise and perils of digital wallets. University of Pennsylvania Law Review, 166(2), 305-376.
• Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B., 63, 101430. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in society, 63.
• Liébana-Cabanillas, F., Molinillo, S., & Ruiz-Montañez, M. (2019). To use or not to use, that is the question: Analysis of the determining factors for using NFC mobile payment systems in public transportation. Technological Forecasting and Social Change, 139, 266-276.
• Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478.
• Ligon, E., Malick, B., Sheth, K., & Trachtman, C. (2019). What explains low adoption of digital payment technologies? Evidence from small-scale merchants in Jaipur, India. PloS one, 14(7).
• Ling, H. C., Chen, H. R., Ho, K. K., & Hsiao, K. L. (2021). Exploring the factors affecting customers’ intention to purchase a smart speaker. Journal of Retailing and Consumer Services, 59.
• Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: A developing country perspective. Journal of Indian Business Research, 8(3), 227-244.
• Mallat, N. (2007). Exploring consumer adoption of mobile payments–A qualitative study. The Journal of Strategic Information Systems, 16(4), 413-432.
• Maurer, B. (2012). Mobile money: Communication, consumption and change in the payments space. Journal of Development Studies, 48(5), 589-604.
• McKinsey. (2020). The 2020 McKinsey global payment report. Retrieved from https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/accelerating%20winds%20of%20change%20in%20global%20payments/2020-mckinsey-global-payments-report-vf.pdf
• Mou, J., Cui, Y., & Kurcz, K. (2019). Bibliometric and visualized analysis of research on major e-commerce journals using Citespace. Journal of Electronic Commerce Research, 20(4), 219-237.
• Mullan, P. (2014). The digital currency challenge: Shaping online payment systems through US financial regulations: Springer.
• Nasir, A., Shaukat, K., Khan, K. I., Hameed, I. A., Alam, T. M., & Luo, S. (2020). What is core and what future holds for blockchain technologies and cryptocurrencies: A bibliometric analysis. IEEE Access, 9, 989-1004.
• Papadopoulos, G. (2015). Blockchain and digital payments: An institutionalist analysis of cryptocurrencies. In D. C. K. Lee (Ed.), Handbook of digital currency: Bitcoin, innovation, financial instruments, and big data (pp. 153-172): Elsevier Inc.
• Peha, J. M., & Khamitov, I. M. (2004). PayCash: a secure efficient Internet payment system. Electronic Commerce Research and Applications, 3(4), 381-388.
• Pham, T.-T. T., & Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in society, 43, 159-172.
• Pritchard, A. (1969). Statistical bibliography or bibliometrics. Journal of Documentation, 25(4), 348-349.
• Ramos de Luna, I., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931-944.
• Rogers, E.M. (1983). Diffusion of innovations. Free Press, New York.
• Schaller, A., Vatananan-Thesenvitz, R., & Schaller, A.-A. (2021). Assessing Relations between Sustainable Business Models and Digital Transformation: A Bibliometric Analysis. Paper presented at the PICMET' 21 Conference Proceedings, Daejeon City, South Korea.
• Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.
• Serafin, M. J., Garcia-Vargas, G. R., Pilar Garcia-Chitiva, M., Caicedo, M. I., & Correa, J. C. (2019). Cyberbehavior: A bibliometric analysis. Annual Review of Cybertherapy And Telemedicine, 17.
• Setor, T. K., Senyo, P. K., & Addo, A. (2021). Do digital payment transactions reduce corruption? Evidence from developing countries. Telematics and Informatics, 60.
• Singh, B., & Jasmine, K. S. (2012). Comparative study on various methods and types of mobile payment system. Paper presented at the 2012 International Conference on Advances in Mobile Network, Communication and Its Applications.
• Soejachmoen, M. P. (2016). Financial inclusion in Indonesia: Moving towards a digital payment system. In S. Gopalan & T. Kikuchi (Eds.), Financial Inclusion in Asia (pp. 131-186): Palgrave Macmillan.
• Statista. (2020a). Coronavirus global online user engagement impact as of April 2020, by industry. Retrieved from https://www.statista.com/statistics/1105498/coronavirus-impact-user-engagement-industry/
• Statista. (2020b). Mobile payment usage worldwide. Retrieved from https://www.statista.com/topics/4872/mobile-payments-worldwide/
• Statista. (2021a). E-commerce worldwide. Retrieved from https://www.statista.com/topics/871/online-shopping/
• Statista. (2021b). FinTech report 2021 - Digital payments. Retrieved from https://www.statista.com/study/41122/fintech-report-digital-payments/
• Staykova, K. S., & Damsgaard, J. (2015). The race to dominate the mobile payments platform: Entry and expansion strategies. Electronic Commerce Research and Applications, 14(5), 319-330.
• Stroborn, K., Heitmann, A., Leibold, K., & Frank, G. (2004). Internet payments in Germany: A classificatory framework and empirical evidence. Journal of Business Research, 57(12), 1431-1437.
• Sugu, R., & Hussain, A. (2021). Bibliometric analysis of published literature on e-wallet. Webology, 18, 79-91.
• Sumathy, M., & Vipin, K. P. (2017). Digital payment systems: Perception and concerns among urban consumers. IJAR, 3(6), 1118-1122.
• Sun, Y., Yang, C., Shen, X. L., & Wang, N. (2020). When digitalized customers meet digitalized services: A digitalized social cognitive perspective of omnichannel service usage. International Journal of Information Management, 54.
• Şafak, I., & Ünsal, E. (2021). Türkiye’de dağıtık hesap defteri teknolojili nesnelerin interneti ödeme sistemleri için sistem tasarım önerileri. Bilişim Teknolojileri Dergisi, 14(1), 23-36.
• Tan, G. W. H., Ooi, K. B., Chong, S. C., & Hew, T. S. (2014). NFC mobile credit card: The next frontier of mobile payment? Telematics and Informatics, 31(2), 292-307.
• Tranfield, D., Denyer, D., & Smart, P. (2003). Towards a methodology for developing evidence‐informed management knowledge by means of systematic review. British journal of management, 14(3), 207-222.
• Turban, E., Whiteside, J., King, D., & Outland, J. (2017). Introduction to electronic commerce and social commerce: Springer.
• Valcourt, E., Robert, J. M., & Beaulieu, F. (2005). Investigating mobile payment: supporting technologies, methods, and use. Paper presented at the IEEE International Conference on Wireless And Mobile Computing, Networking And Communications.
• Verkijika, S. F. (2020). An affective response model for understanding the acceptance of mobile payment systems. Electronic Commerce Research and Applications, 39.
• Wolfram, D. (2003). Applied informetrics for information retrieval research: Greenwood Publishing Group.
• WorldPay. (2021). The global payments report. Retrieved from https://worldpay.globalpaymentsreport.com/en/?utm_source=SM&utm_medium=PT&utm_medium1=TW&utm_campaign=GPR&utm_content=SI
• Xu, X., Chen, X., Jia, F., Brown, S., Gong, Y., & Xu, Y. (2018). Supply chain finance: A systematic literature review and bibliometric analysis. International Journal of Production Economics, 204, 160-173.
• Yan, L. Y., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58.
• Yang, S., Lu, Y., Gupta, S., Cao, Y., & Zhang, R. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior, 28(1), 129-142.