<?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>2026-04-17T00:59:20Z</responseDate><request verb="GetRecord" identifier="oai:www.recercat.cat:10256/28485" metadataPrefix="marc">https://recercat.cat/oai/request</request><GetRecord><record><header><identifier>oai:recercat.cat:10256/28485</identifier><datestamp>2026-03-21T23:27:54Z</datestamp><setSpec>com_2072_452966</setSpec><setSpec>com_2072_2054</setSpec><setSpec>col_2072_452968</setSpec></header><metadata><record xmlns="http://www.loc.gov/MARC21/slim" xmlns:dcterms="http://purl.org/dc/terms/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:doc="http://www.lyncode.com/xoai" xsi:schemaLocation="http://www.loc.gov/MARC21/slim http://www.loc.gov/standards/marcxml/schema/MARC21slim.xsd">
   <leader>00925njm 22002777a 4500</leader>
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      <subfield code="a">dc</subfield>
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      <subfield code="a">Wu, Sudan</subfield>
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      <subfield code="c">2024-09-01</subfield>
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      <subfield code="a">A l’hora de processar un pagament, la majoria de botigues utilitzen un&#xd;
Terminal Punt de Venda (TPV) f´ısic, i els clients fan servir una targeta&#xd;
banc`aria o una cartera digital que incorpora aquesta targeta. El TPV actua&#xd;
com a intermediari en l’operaci´o, introduint un proc´es addicional que pot&#xd;
augmentar tant els costos com el risc d’errors. Tot i que existeixen plata&#xd;
formes de pagament en l´ınia, aquestes no estan dissenyades per substituir&#xd;
completament el TPV f´ısic, i sovint no s´on de codi obert ni ofereixen l’opci´o&#xd;
de realitzar transaccions mitjan¸cant codis QR</subfield>
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      <subfield code="a">When processing a payment, most stores use a physical Point of Sale Terminal (POS), and customers use a bank card or a digital wallet that incorporates this card. The POS acts as an intermediary in the transaction, introducing an additional process that can increase both costs and the risk of errors. Although online payment platforms exist, they are not designed to completely replace the physical POS, and they are often not open source or offer the option of making transactions using QR codes.</subfield>
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      <subfield code="a">Pagaments electrònics</subfield>
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      <subfield code="a">Comerç electrònic</subfield>
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      <subfield code="a">Desenvolupament d’una aplicació mòbil de codi obert per a fer pagaments entre usuaris mitjançant codis QR</subfield>
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