Report NEP-PAY-2026-01-26

This is the archive for NEP-PAY, a report on new working papers in the area of Payment Systems and Financial Technology. Bernardo Batiz-Lazo issued this report. It is usually issued weekly.

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Other reports in NEP-PAY

The following items were announced in this report:

• Makoza, Frank, 2026, "FinTechs and digital financial services landscape of Malawi: A supply-side analysis," EconStor Preprints, ZBW - Leibniz Information Centre for Economics, number 335108.
• Thomas Ankenbrand & Denis Bieri & Stefano Ferrazzini & Johannes Hoehener, 2025, "Classifying Tokenised Money: Dimensions and Design Features," Papers, arXiv.org, number 2512.11010, Dec, revised Jan 2026.
• Yihan Hong & Hengxiang Feng & Yinghan Wang & Boxuan Li, 2025, "The Impact of Bitcoin ETF Approval on Bitcoin's Hedging Properties Against Traditional Assets," Papers, arXiv.org, number 2512.12815, Dec.
• Alibhai, Salman & Breza, Emily & Kanz, Martin & Strobbe, Francesco, 2026, "The Rise and Regulation of Digital Credit: Lessons from Indonesia," Policy Research Working Paper Series, The World Bank, number 11300, Jan.
• Clément Wakwinga Wabenga & Préféré Burhonyi Burhashengwa, 2025, "Accessibility and perceived cost of digital banking services in a security crisis context in Goma, DR. Congo
  [Accessibilité et perception du coût des services bancaires numériques en situation de c," Post-Print, HAL, number hal-05345510, Nov, DOI: 10.5281/zenodo.17508447.
• Ignacy Nieweglowski & Aviv Yaish & Fahad Saleh & Fan Zhang, 2025, "PoliFi Tokens and the Trump Effect," Papers, arXiv.org, number 2512.06036, Dec.
• Teichmann, Fabian, 2026, "Platform governance under NIS2 and the Cyber Resilience Act: cybersecurity by design as social practice," LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library, number 130856, Jan.
• Ferrari Minesso, Massimo & Siena, Daniele, 2026, "Private money and public debt. U.S. Stablecoins and the global safe asset channel," Working Paper Series, European Central Bank, number 3174, Jan.
• Fabien Clive Ntonga Efoua & Françoise Okah Efogo & Bernard Cléry Nomo Beyala & Bruno Emmanuel Ongo Nkoa, 2025, "Adopting the BASI-coins in Africa. A SWOT Analysis
  [Adoption des BASI-coins en Afrique. Une analyse SWOT]," Post-Print, HAL, number hal-05402623, DOI: 10.4000/157ir.
• Gierens, Jakob, 2026, "Weighted Pro-Rata: Exploration of a Promising New Music Streaming Remuneration System," MPRA Paper, University Library of Munich, Germany, number 127101, Jan.
• Chang, Hung-Hao & Meyerhoefer, Chad D., 2025, "Spillover Effects of Livestream Promotions on E-Commerce Platform Food Sales," 2025 AAEA & WAEA Joint Annual Meeting, July 27-29, 2025, Denver, CO, Agricultural and Applied Economics Association, number 360841, DOI: 10.22004/ag.econ.360841.
• Driss Omerani & Aicha Hssaine, 2025, "Évolution de la Fintech : une analyse bibliométrique de la base de données Scopus (2015-2025)," Post-Print, HAL, number hal-05441212, Jun.
• Zafer Kanik & Zaruhi Hakobyan, 2026, "Strategic Expression, Popularity Traps, and Welfare in Social Media," Papers, arXiv.org, number 2601.01370, Jan.
• Neil Wilson & Richard Tye & Andrew Berkeley, 2026, "Legal Tender, Debt, and the Institutional Settlement of Monetary Obligations in English Law," Economics Working Paper Archive, Levy Economics Institute, number wp_1103, Jan.
• , Gaurav & Ayarekar, Sachin & Kadam, Suresh, 2026, "A Comparative Legal and Regulatory Analysis of India’s Digital Personal Data Protection Act (2023) and the EU GDPR: Implications for FinTech Governance and Audit Automation," LawArchive, Center for Open Science, number r7ydq_v1, Jan, DOI: 10.31219/osf.io/r7ydq_v1.
• Kubra Bolukbas & Mehmet Selman Colak, 2025, "Kredi Karti Kullanim Egilimleri: Gelir Duzeyi ve Limitlerin Rolu," CBT Research Notes in Economics, Research and Monetary Policy Department, Central Bank of the Republic of Turkey, number 2523.
• Mathis Mourey & Mohamad H Shahrour & Florentina Şoiman, 2025, "A crypto-stock weekend effect: Predicting Monday stock returns using weekend cryptocurrency returns," Post-Print, HAL, number hal-05415054, Oct, DOI: 10.1016/j.frl.2025.108661.
• Liu, Mingyue & Zhang, Wenying & Feng, Xiaolong, 2025, "The impact of digital technology use on relocated households’ income stability," 2025 AAEA & WAEA Joint Annual Meeting, July 27-29, 2025, Denver, CO, Agricultural and Applied Economics Association, number 361133, DOI: 10.22004/ag.econ.361133.
• Florent Saucède & Lucie Sirieix & Archana Kumar, 2025, "Does transparency look at consumers? A longitudinal and cross-cultural study of reactions to the handling of blockchain-augmented food products
  [La transparence regarde-t-elle les consommateurs ? U," Post-Print, HAL, number hal-05443261, Oct.
• Anastasiia Zbandut & Carolina Goldstein, 2025, "Institutionalizing risk curation in decentralized credit," Papers, arXiv.org, number 2512.11976, Dec.
• Stanis{l}aw Dro.zd.z & Pawe{l} Jarosz & Jaros{l}aw Kwapie'n & Maria Skupie'n & Marcin Wk{a}torek, 2025, "Detrended cross-correlations and their random matrix limit: an example from the cryptocurrency market," Papers, arXiv.org, number 2512.06473, Dec.
• Ambrozek, Charlotte & Beatty, Timothy K.M. & Zhan, Wenjie, 2025, "Payment Digitization and Retailer Fraud in Food Assistance: Evidence from Store Sanctions," 2025 AAEA & WAEA Joint Annual Meeting, July 27-29, 2025, Denver, CO, Agricultural and Applied Economics Association, number 360963, DOI: 10.22004/ag.econ.360963.
• Felix Chopra & Ingar Haaland & Nicolas Roever & Christopher Roth, 2026, "Evaluating Behavioral Interventions at Scale with AI," ECONtribute Discussion Papers Series, University of Bonn and University of Cologne, Germany, number 385, Jan.
• Jan Smolinski & Florent Saucède & Catherine Pardo & Fatiha Fort, 2025, "Socio-technical compromises in the integration of technology into agri- food supply chains: An analysis through the lens of actor-network theory and the concept of boundary object
  [Les compromis so," Post-Print, HAL, number hal-05443288, Oct.
• Hao Yu, 2026, "On click-fraud under pro-rata revenue sharing rule," Papers, arXiv.org, number 2601.09573, Jan.
• Nattanicha Chairassamee & Kanokwan Chancharoenchai & Pattrapa Tangtatswas, 2026, "Victim and Online Financial Scams: Understanding Heterogeneity in Susceptibility to Online Financial Scams," PIER Discussion Papers, Puey Ungphakorn Institute for Economic Research, number 245, Jan.
• Perst, Florian, 2025, "Kaufentscheidungen im digitalen Zeitalter: Die Rolle von User Generated Content und Künstlicher Intelligenz entlang der Customer Journey," IU Discussion Papers - Business & Management, IU International University of Applied Sciences, number 17 (Dezember 2025), DOI: 10.56250/4096.
• Yichen Luo & Yebo Feng & Jiahua Xu & Yang Liu, 2026, "Resisting Manipulative Bots in Meme Coin Copy Trading: A Multi-Agent Approach with Chain-of-Thought Reasoning," Papers, arXiv.org, number 2601.08641, Jan, revised Jan 2026.
• Georges Prat, 2026, "Towards a Demand for Money Measurement ? Application to the German hyperinflation of the early 1920s," EconomiX Working Papers, University of Paris Nanterre, EconomiX, number 2026-2.
• Nicoletta Berardi & Benjamin Bureau, 2025, "Women-Led Firms’ Access to Bank Credit," Working papers, Banque de France, number 1024.
• Benjamin Avanzi & Matthew Lambrianidis & Greg Taylor & Bernard Wong, 2025, "On the use of case estimate and transactional payment data in neural networks for individual loss reserving," Papers, arXiv.org, number 2601.05274, Dec.
• Oh, Haewon & Zeng, Xinyu & Smith, Travis A., 2025, "The Effect of Economic Impact Payments on Consumer Behavior," 2025 AAEA & WAEA Joint Annual Meeting, July 27-29, 2025, Denver, CO, Agricultural and Applied Economics Association, number 360905, DOI: 10.22004/ag.econ.360905.