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The China UnionPay Way: Why Bank Card Cross-border Transaction Dispute Resolution is Difficult

Research output: Contribution in Book/Report/Proceedings - With ISBN/ISSNConference contribution/Paperpeer-review

Published
Publication date27/06/2016
Host publicationPACIS 2016 Proceedings
PublisherAIS Electronic Library
Number of pages12
ISBN (Print)9789860491029
<mark>Original language</mark>English
EventPacific Asia Conference on Information Systems (PACIS) - Chiayi, Taiwan, Province of China
Duration: 27/06/20161/07/2016
Conference number: 20th
http://www.pacis2016.org/

Conference

ConferencePacific Asia Conference on Information Systems (PACIS)
Abbreviated titlePACIS 2016
Country/TerritoryTaiwan, Province of China
CityChiayi
Period27/06/161/07/16
Internet address

Conference

ConferencePacific Asia Conference on Information Systems (PACIS)
Abbreviated titlePACIS 2016
Country/TerritoryTaiwan, Province of China
CityChiayi
Period27/06/161/07/16
Internet address

Abstract

With the increasing number of cross-broader transactions (CBT) that are facilitated by China UnionPay (CUP), international cardholder disputes are receiving more attention. However, according to a recently released internal statistic report, only a very small fraction was satisfactorily resolved from the cardholders’ perspective. Unresolved disputes not only bring unavoidable financial loss to the cardholders, but have significant implications for CUP’s efforts in promoting CUP-enabled CBT in international environments. Using a case study approach with semi-structured interviews, we present a conceptual framework for CBT Dispute Resolution. The conceptual framework specifies possible determinants and their relationships, and proposes that CUP’s weakness in its international presence, influence, governance, and relationships results in a high level of unresolved disputes.