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عنوان فارسی مقاله:
مسیرهای منحنی S-curves نوآوری های پول الکترونیکی
عنوان انگلیسی مقاله:
S-curve trajectories of electronic money innovations
سال انتشار : 2016
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بخشی از مقاله انگلیسی:
5. S-curve trajectories of the electronic money innovations
The present payment landscape is now evolving towards mobile payment systems due to widespread smartphone usage and the growing number of mobile broadband subscriptions (Fig. 5). Bitcoin is currently seen as the latest electronic money or digital money that might revolutionize the payment system. Fig. 6 shows the growing share of Bitcoin ATM adoption worldwide. While being widely adopted in the North American and European countries, Bitcoin is struggling to gain acceptance in other continents including Asian countries. The analyses based on the technology S-curve and Schumpeter's model of economic development (Freeman & Perez, 1988; Schumpeter, 1939, 1967) have shown that, at present, the swing of S-curves is not strong enough to cause a paradigm shift. (i). The fall in cost The transaction cost is 0.045 BTC1 (or USD 17). The cost to the network is 0.03 BTC per BTC transferred. The Bitcoin innovation has low transaction fee of 0.0005 BTC per 1 transaction compared to other financial transactions (compared to credit card transaction fee of 3%–5% per transaction value) which would help achieve widespread usage. (ii). Unlimited availability of supply over long-time periods Bitcoin is a virtual currency created by software for exchanging value without the use of intermediary banks. Given its characteristics as an open source software, this provides unlimited supply since the software developers can use the open-source code to develop Bitcoin applications. (iii). Prevailing use in a large number of products or processes Given that the innovation is not backed by any government and the innovation is vulnerable to manipulation as well as speculation, many countries are reluctant to accept Bitcoin. The major problem concerning lack of secure infrastructure has hindered Bitcoin innovation to achieve widespread use.
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کلمات کلیدی:
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