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Paying with mobile devices such as mobile phones or smart phones will expand worldwide in the coming years. This development provides opportunities for various industries (banking, telecommunications, credit card business, manufacturers, suppliers, retail) and for consumers. The book comprehensively describes current status, trends and critical aspects of successful mobile payment. It combines theory and practice. Comprising essential aspects of a successful mobile payment as well as successful case studies and practical examples, this book is for all who are developing, offering and using mobile payment.
Electronic Payment Systems for Competitive Advantage in E-Commerce by Liébana-Cabanillas, Francisco Pdf
Recent innovations in the field of information technology and communications are radically changing the way international organizations conduct business. In this competitive environment, having the necessary tools to streamline business transactions and secure digital payments is crucial to business success. Electronic Payment Systems for Competitive Advantage in E-Commerce provides relevant theoretical frameworks and the latest empirical findings on electronic payment systems in the digital marketplace. Focusing on the importance of e-commerce in business development, including the advantages and disadvantages of e-payments, this book is an essential resource for business professionals who want to improve their understanding of the strategic role of e-commerce in all dimensions, as well as for both researchers and students.
Designing Mobile Payment Experiences by Skip Allums Pdf
Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences. Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations. Learn about the major mobile payment frameworks: NFC, cloud, and closed loop Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation Add peripheral services such as points, coupons and offers, and money management
Impact of Mobile Payment Applications and Transfers on Business by Opati, Thaisaiyi Zephania,Gachukia, Martin Kang'ethe Pdf
Consumers continue to rely heavily on their phones to complete such tasks as transferring funds between banks or accounts, depositing or withdrawing funds, paying bills, and purchasing items. Mobile money users are oftentimes more financially resilient and can protect themselves better against economic and other shocks. Moreover, mobile money can increase the velocity of money in circulation because it reduces the transactions and time costs of making retail payments. As such, understanding the impact of mobile payments is imperative for businesses and the economy. Impact of Mobile Payment Applications and Transfers on Business is a pivotal reference source that provides vital research on mobile money transfer and its impact in social, corporate, and micro- and macro-policies concerning the aggregate economy and individual households as a whole within an economy. It covers the impact, innovations, business-to-business transformations, regulatory framework, challenges, and ethical issues surrounding mobile money transfers around the world. This book is ideally designed for economists, financial analysts, business managers, leaders, scholars, practitioners, researchers, and students in fields that include management, finance, economics, commerce, and leadership.
Mobile Payment Systems by Jesús Téllez,Sherali Zeadally Pdf
This important text/reference presents the latest research and developments in the field of mobile payment systems (MPS), covering issues of mobile device security, architectures and models for MPS, and transaction security in MPS. Topics and features: introduces the fundamental concepts in MPS, discussing the benefits and disadvantages of such systems, and the entities that underpin them; reviews the mobile devices and operating systems currently available on the market, describing how to identify and avoid security threats to such devices; examines the different models for mobile payments, presenting a classification based on their core features; presents a summary of the most commonly used cryptography schemes for secure communications; outlines the key challenges in MPS, covering security for ubiquitous mobile commerce and usability issues; highlights the opportunities offered by mobile cloud computing and vehicular ad hoc networks in the design and development of MPS.
Designing Mobile Payment Experiences by Skip Allums Pdf
Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences. Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations. Learn about the major mobile payment frameworks: NFC, cloud, and closed loop Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation Add peripheral services such as points, coupons and offers, and money management
Research Anthology on Securing Mobile Technologies and Applications by Management Association, Information Resources Pdf
Mobile technologies have become a staple in society for their accessibility and diverse range of applications that are continually growing and advancing. Users are increasingly using these devices for activities beyond simple communication including gaming and e-commerce and to access confidential information including banking accounts and medical records. While mobile devices are being so widely used and accepted in daily life, and subsequently housing more and more personal data, it is evident that the security of these devices is paramount. As mobile applications now create easy access to personal information, they can incorporate location tracking services, and data collection can happen discreetly behind the scenes. Hence, there needs to be more security and privacy measures enacted to ensure that mobile technologies can be used safely. Advancements in trust and privacy, defensive strategies, and steps for securing the device are important foci as mobile technologies are highly popular and rapidly developing. The Research Anthology on Securing Mobile Technologies and Applications discusses the strategies, methods, and technologies being employed for security amongst mobile devices and applications. This comprehensive book explores the security support that needs to be required on mobile devices to avoid application damage, hacking, security breaches and attacks, or unauthorized accesses to personal data. The chapters cover the latest technologies that are being used such as cryptography, verification systems, security policies and contracts, and general network security procedures along with a look into cybercrime and forensics. This book is essential for software engineers, app developers, computer scientists, security and IT professionals, practitioners, stakeholders, researchers, academicians, and students interested in how mobile technologies and applications are implementing security protocols and tactics amongst devices.
Bitcoin and Mobile Payments by Gabriella Gimigliano Pdf
This book provides a critical analysis of The European Union’s regulatory framework for mobile payments and bitcoin. Chapters discuss the creation of the EU single market for e-payments and combine legal analysis with comparative case studies in their exploration of the regulatory challenges surrounding e-payments. The contributing authors analyse the key economic and legal issues of the development of bitcoin and mobile payments within the EU framework through a comparative lens. They cover topics ranging from user data and funds protection and the stability of the payment system to the competitiveness of the EU market. Providing a comprehensive and methodological guide to the bitcoin and mobile payments in Europe, this book will prove an illuminating and informative read for academics, students and policy makers with an interest in the impact of innovation on payment systems.
Enterprise Information Systems by José Cordeiro,Leszek A. Maciaszek,Joaquim Filipe Pdf
This book contains substantially extended and revised versions of the best papers from the 14th International Conference on Enterprise Information Systems (ICEIS 2012), held in Wroclaw, Poland, in June/July 2012. The 25 full and 3 invited papers included in this volume were carefully reviewed and selected from 299 submissions. They reflect state-of-the-art research work focusing mainly on real-world applications and highlighting the benefits of information systems and technology for industry and services, thus connecting academia with the world of real enterprises. The topics covered are: databases and information systems integration; artificial intelligence and decision support systems; information systems analysis and specification; software agents and internet computing; human-computer interaction; and enterprise architecture. Chapter “Time Efficiency of Point-of-Sale Payment Methods: Empirical Results for Cash, Cards and Mobile Payments” is available open access under a Creative Commons Attribution 4.0 International License via link.springer.com.
Digital Innovation in Financial Services by Phoebus L. Athanassiou Pdf
Consumer behaviour is rapidly trending towards the use of digital devices as instruments through which to transact day-to-day business. This original and timely book shows how this trend creates new opportunities not only for retail consumers but also for financial service providers, regulators and central banks. The author offers a comprehensive overview of these opportunities and their countervailing legal and regulatory challenges. The author describes and analyses in unprecedented detail the application of digital financial innovation (FinTech), and some of its core manifestations, including virtual currencies, Blockchain and distributed ledger technologies to the delivery of financial services, in areas such as: – payments; – securities clearing and settlement; – central banking; – real-time access to financial information; – instant completion of core financial transactions; – data validation and reconciliation processes; and – digital contracting (smart contracts). Also clarified are the legal and other barriers to be overcome – including cybersecurity and risks to privacy – before any widespread adoption of digital innovation in the highly regulated financial sector context can occur. As an informed assessment of the legal merits and risks of technological innovation for financial service providers and central banks, and as a contribution to establishing a conceptual framework within which to analyse and better understand the applications of digital innovation to the financial sector, this practical work is bound to be welcomed by legal practitioners and legal scholars alike with an interest in financial services. Policymakers and regulators will also appreciate its guidance on how to temper the less benevolent aspects of FinTech with targeted, risk-focused regulation, so as to promote innovation and preserve the potential benefits for financial markets and their participants alike.
Oversight Issues in Mobile Payments by Tanai Khiaonarong Pdf
This paper examines oversight issues that underlie the potential growth and risks in mobile payments. International experience suggests that financial authorities can develop effective oversight frameworks for new payment methods to safeguard public confidence and financial stability by establishing: (i) a clear legal regime; (ii) proportionate AML/CFT measures to prevent financial integrity risks; (iii) fund safeguarding measures such as insurance, similar guarantee schemes, or “pass through” deposit insurance; (iv) contingency plans for operational disruptions; and (v) risk controls and access criteria in payment systems. Such measures are particularly important for low-income countries where diffusion is becoming more widespread.
Complexity in Chemistry, Biology, and Ecology by Danail D. Bonchev,Dennis Rouvray Pdf
The book offers new concepts and ideas that broaden reader’s perception of modern science. Internationally established experts present the inspiring new science of complexity, which discovers new general laws covering wide range of science areas. The book offers a broader view on complexity based on the expertise of the related areas of chemistry, biochemistry, biology, ecology, and physics. Contains methodologies for assessing the complexity of systems that can be directly applied to proteomics and genomics, and network analysis in biology, medicine, and ecology.
Critical Success Factors of Mobile Payment by Christian Hort Pdf
Inhaltsangabe:Abstract: Mobile payment (mPayment) can be understood as every payment where at least one participant applies mobile phone technology, thus, uses a mobile phone. But due to technological progress it seems reasonable to classify other devices like a Personal Digital Assistant (PDA) or devices with embedded Radio Frequency (RF) technology as mobile payment devices. However, mobile phones today clearly outnumber every other mobile payment device. Penetration rates are forecasted to reach almost 80% in Europe by 2005. The number of worldwide cellular subscribers is expected to pass one billion by 2003. By 2005 there will be more mobile phones worldwide than TVs, fixed line phones, and Personal Computers (PC). Driven by the increasing penetration and resulting business opportunities, numerous mPayment solutions have been offered by payment service providers, telcos, and financial institutions. The variety of applicable technologies, the possible linkage between the financial instruments, and the mPayment device combined with different payment scenarios offer a wide landscape of mPayment solutions. Besides technology, questions dealing with consumer expectations, factors thriving or inhibiting a widespread adoption, and with it related penetration strategies for payment service providers have to be carefully researched to develop a successful mPayment. Based on diverse motivations and influenced by recent technology development banks, telcos and start-up companies endeavour to build a successful mPayment that meets the expectations of consumers and merchants. The research question of this paper focuses on factors that can be identified as crucial to drive the success of mobile payment systems. Therefore, the first goal is to give an introduction to the mPayment landscape as a foundation for further research. The second goal is to derive key factors influencing the success of an mPayment from theoretical models and by reviewing related literature. The research concentrates on business to consumer (B2C) and consumer to consumer (C2C) payment on the European and United States (US) market. Neither cross border payments nor business to business (B2B) payments are described in this paper. Inhaltsverzeichnis:Table of Contents: CONTENTSI TABLE OF EXHIBITSIII TABLE OF CHARTSIV ABBREVIATIONSV 1.INTRODUCTION1 1.1Motivation1 1.2Goals of the study2 1.3Structure2 2.TRADITIONAL AND FIXED-LINE ONLINE PAYMENT METHODS4 2.1History of [...]
Law and Regulation of Mobile Payment Systems by Joy Malala Pdf
Over the last ten years mobile payment systems have revolutionised banking in some countries in Africa. In Kenya the introduction of M-Pesa, a new financial services model, has transformed the banking and financial services industry. Giving the unbanked majority access to the financial services market it has attracted over 18 million subscribers which is remarkable given that fewer than 4 million people in Kenya have bank accounts. This book addresses the legal and regulatory issues arising out of the introduction of M-Pesa in Kenya and its drive towards financial inclusion. It considers the interaction between regulation and technological innovation with a particular focus on the regulatory tools, institutional arrangements and government decisional processes through the examination as a whole of its regulatory capacity. This is done with a view to understanding the regulatory capacity of Kenya in addressing the vulnerabilities presented by technological innovation in the financial industry for consumers after financial inclusion. It also examines the way that mobile payments have been regulated by criticising the piecemeal approach that the Central Bank of Kenya has taken in addressing the legal and regulatory issues presented by mobile payments. The book argues there are significant gaps in the regulatory regime of mobile banking in Kenya.