<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="static/style.xsl"?><OAI-PMH xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/ http://www.openarchives.org/OAI/2.0/OAI-PMH.xsd"><responseDate>2026-09-19T23:15:52Z</responseDate><request verb="GetRecord" identifier="oai:dspace.mit.edu:1721.1/115037" metadataPrefix="dim">https://dspace.mit.edu/server/oai/request</request><GetRecord><record><header><identifier>oai:dspace.mit.edu:1721.1/115037</identifier><datestamp>2022-01-13T07:55:19Z</datestamp><setSpec>com_1721.1_7582</setSpec><setSpec>com_1721.1_7581</setSpec><setSpec>col_1721.1_131023</setSpec></header><metadata><dim:dim xmlns:dim="http://www.dspace.org/xmlns/dspace/dim" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:doc="http://www.lyncode.com/xoai" xsi:schemaLocation="http://www.dspace.org/xmlns/dspace/dim http://www.dspace.org/schema/dim.xsd">
   <dim:field mdschema="dc" element="contributor" qualifier="advisor" lang="en_US">Patrick Hale.</dim:field>
   <dim:field mdschema="dc" element="contributor" qualifier="author" lang="en_US">Naik, Vaibhav C</dim:field>
   <dim:field mdschema="dc" element="contributor" qualifier="other" lang="en_US">System Design and Management Program.</dim:field>
   <dim:field mdschema="dc" element="contributor" qualifier="department" lang="en_US">System Design and Management Program.</dim:field>
   <dim:field mdschema="dc" element="date" qualifier="accessioned">2018-04-27T18:11:05Z</dim:field>
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   <dim:field mdschema="dc" element="date" qualifier="copyright" lang="en_US">2015</dim:field>
   <dim:field mdschema="dc" element="date" qualifier="issued" lang="en_US">2016</dim:field>
   <dim:field mdschema="dc" element="identifier" qualifier="uri">http://hdl.handle.net/1721.1/115037</dim:field>
   <dim:field mdschema="dc" element="identifier" qualifier="oclc" lang="en_US">1031985280</dim:field>
   <dim:field mdschema="dc" element="description" lang="en_US">Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, System Design and Management Program, 2016.</dim:field>
   <dim:field mdschema="dc" element="description" lang="en_US">Cataloged from PDF version of thesis.</dim:field>
   <dim:field mdschema="dc" element="description" lang="en_US">Includes bibliographical references (pages 37-39).</dim:field>
   <dim:field mdschema="dc" element="description" qualifier="abstract" lang="en_US">The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.</dim:field>
   <dim:field mdschema="dc" element="description" qualifier="statementofresponsibility" lang="en_US">by Vaibhav Naik.</dim:field>
   <dim:field mdschema="dc" element="description" qualifier="degree" lang="en_US">S.M. in Engineering and Management</dim:field>
   <dim:field mdschema="dc" element="format" qualifier="extent" lang="en_US">41 pages</dim:field>
   <dim:field mdschema="dc" element="language" qualifier="iso" lang="en_US">eng</dim:field>
   <dim:field mdschema="dc" element="publisher" lang="en_US">Massachusetts Institute of Technology</dim:field>
   <dim:field mdschema="dc" element="rights" lang="en_US">MIT theses are protected by copyright. They may be viewed, downloaded, or printed from this source but further reproduction or distribution in any format is prohibited without written permission.</dim:field>
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   <dim:field mdschema="dc" element="subject" lang="en_US">System Design and Management Program.</dim:field>
   <dim:field mdschema="dc" element="title" lang="en_US">The evolution of the digital payments : the past, present and future of digital payments</dim:field>
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   	&lt;Title>The evolution of the digital payments : the past, present and future of digital payments&lt;/Title>
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   	&lt;PublicationDate>2016&lt;/PublicationDate>
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        	&lt;DisplayName>Naik, Vaibhav C&lt;/DisplayName>
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    &lt;Keyword>System Design and Management Program.&lt;/Keyword>
   	&lt;Abstract>The past couple of years, we have observed the rise of the Digital Wallet, a potentially game changing technology application in the financial industry. Digital Wallets allow consumers to pay for purchases through digital devices, and the technology has created a battle among payment networks, banks and technology firms. In this paper, we analyse how the Digital Wallet is impacting the technology space, including the level of disruptiveness and future potential. We have two hypotheses regarding Digital Wallets: H1: The Digital Wallet is disrupting the credit card network. H2. The Digital Wallet is disrupting the physical plastic card.&lt;/Abstract>
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