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Open Access 01.12.2023 | Research

The impact of digital financial inclusion on household carbon emissions: evidence from China

The role of digital financial inclusion in economic development has been widely appreciated, and its carbon emission mitigating effect on the household sector needs to be noticed. This study investigates the impact of digital financial inclusion …

verfasst von:
Yu Zhou, Caijiang Zhang, Zhangwen Li

01.10.2023 | Research Article

Fully distributed identity-based threshold signatures with identifiable aborts

Identity-based threshold signature (IDTS) is a forceful primitive to protect identity and data privacy, in which parties can collaboratively sign a given message as a signer without reconstructing a signing key. Nevertheless, most IDTS schemes …

verfasst von:
Yan Jiang, Youwen Zhu, Jian Wang, Xingxin Li


How does climate risk affect bank loan supply? Empirical evidence from China

The impact of the climate change on the real economy and financial system has aroused great concern from the Chinese government and financial regulator. The objective of this paper is to examine the impact of climate risk on bank loan supply by …

verfasst von:
Shouwei Li, Xin Wu


Digital economy, industrial structure upgrading and green innovation efficiency of family enterprises

Based on the theory of social capital and strategic revolution, this paper selects 3006 family enterprises in China from 2015 to 2020, establishes a fixed effect panel model, and discusses the impact of the digital economy on the green innovation …

verfasst von:
Zheng Zhiyong, Xu Yongbin, Chen Jiaying


Impact of green finance and environmental protection on green economic recovery in South Asian economies: mediating role of FinTech

Green finance and digital finance are cornerstones of sustainable growth. Given the significant investment and funding challenges that South Asia's new energy development faces, the potential role of digital finance in this situation is uncertain.

verfasst von:
YunQian Zhang


The Effectiveness of Using an Internet App for Repair Work Requests: A Case Study of a Hospital

Developing a management process suitable for medical industry apps may facilitate a rapid response to internal maintenance demand changes and make the operational model run smoother and more conveniently for the management of small organizations …

verfasst von:
Ping-Liang Chen, Hsin-Mei Lin, Hung-Chih Lai

20.03.2023 | Editorial

Study on the waves of blockchain over the financial sector

In the modern finance sector, Blockchain (BC) is a widespread theme technology. It is a technology with a distinct combination of features like distributed notes, consensus algorithm, decentralized structure, storage mechanism, smart contracting …

verfasst von:
K. Devi, Devadutta Indoria

10.03.2023 | Focus

Small vocabulary isolated-word automatic speech recognition for single-word commands in Arabic spoken

Research into automated speech recognition (ASR) for the Arabic language has been steadily increasing due to its potential for great growth. In this paper, we implemented Dynamic Time Warping (DTW) and Vector Quantization (VQ) techniques to apply …

verfasst von:
Mahmoud Obaid, Rami Hodrob, Allam Abu Mwais, Mahmoud Aldababsa


A new Eu3+-activated milarite-type potassium magnesium zinc silicate red-emitting phosphor for forensic applications

A versatile solid-state technique was employed for synthesizing K2Mg3Zn2Si12O30:Eu3+ (KMZS:Eu3+) phosphors. The hexagonal structure of the as-prepared samples was validated with powder X-ray diffraction. The preferential occupancy sites of Eu3+ in …

verfasst von:
G. V. Kanmani, V. Ponnusamy, G. Rajkumar, S. M. M. Kennedy

Open Access 20.02.2023 | Original Paper

Does the combination of sustainable business model patterns lead to truly sustainable business models? Critical analysis of existing frameworks and extensions

Business models can be created by combining business model patterns. The use of patterns can stimulate creativity of entrepreneurs and support the design of innovative business models for sustainability. In this article, we analyze the frameworks …

verfasst von:
Nizar Abdelkafi, Jinou Xu, Margherita Pero, Federica Ciccullo, Antonio Masi


Inferring alighting bus stops from smart card data combined with cellular signaling data

Alighting bus stops inferring is of great significance for origin–destination estimation. Cellular signaling data (CSD), a kind of individual trajectory generated by mobile phones, provides a new idea for alighting stop identification. To explore …

verfasst von:
Ziqin Lan, Zixuan Zhang, Jiatao Chen, Ming Cai

08.02.2023 | S.I.: Data Processing Techniques and Applications for Cyber-Physical Systems (DPTA-2021)

Design and simulation of precision marketing recommendation system based on the NSSVD++ algorithm

This article is dedicated to discussing the design and improvement of precision marketing push algorithm under the deep learning target detection system. Scientific progress has made the network form a huge database, and each software platform can …

verfasst von:
Yishu Liu, Wenjian Zhang

06.02.2023 | Original Article

A new method for solving the mobile payment scheduling problem using harris hawks optimization algorithm during the COVID-19 pandemic

The Coronavirus Disease 2019 (COVID-19) epidemic is causing once-in-a-century upheavals in global civilization. Payment systems have advanced lately, from simple cash or credit card transactions to various forms of mobile payment systems. This …

verfasst von:
Wen Sun, Chen She, Mohammad Khalilzadeh, Hui-Zhen Mao, Yi-Peng Xu

25.01.2023 | Regular Paper

Auto ROI & mask R-CNN model for QR code beautification (ARM-QR)

The development of the Internet has enabled the QR code to become the most frequently applied two-dimensional barcode in daily life and in commercial advertisements, and its application continues to be more diversified to include warehouse …

verfasst von:
Min-Jen Tsai, Hung-Yu Wu, Di-Ting Lin


RKMIS: robust key management protocol for industrial sensor network system

The Internet of Things is a well-known and emerging technology that allows authorised users to monitor and access sensors deployed in various industrial units. A robust key management protocol for industrial sensor network system is used to …

verfasst von:
Samiulla Itoo, Musheer Ahmad, Vinod Kumar, Ahmed Alkhayyat


H3O-LGBM: hybrid Harris hawk optimization based light gradient boosting machine model for real-time trading

The gross domestic product (GDP) of a country is mainly dependent on its trade and external sector which improves the country's income. According to FY2021–2022, India's nominal GDP is estimated to be 3.12 trillion US dollars. Overall exports and …

verfasst von:
Vaishali Gupta, Ela Kumar


Blockchain application for central bank digital currencies (CBDC)

Central Bank Digital Currency (CBDC) is a digital version of domestic currency with a unit of account equivalent to its domestic currency. Blockchain or Distributed Ledger technology (DLT) can be used to implement CBDC to execute and settle …

verfasst von:
Vijak Sethaput, Supachate Innet

Open Access 28.12.2022

Covid-19 and mobile payment in Belgium: Closing the digital divide or just for the young, social, and impulsive?

Experts and industry reports agree that the COVID-19 crisis spurred the adoption of new retail technologies, like mobile payment. However, empirical academic evidence that compares their adoption and usage before, during, and after the crisis …

verfasst von:
Johan Hellemans, Kim Willems, Malaika Brengman


Role of risk perception and situational factors in mobile payment adoption among small vendors in unorganised retail

This article focuses on studying the inter-relationships among various types of perceived risk and assessing the degree of perceived risk (PR) in the Adoption of MPS by Retailers in India. After digging into the extensive literature, it was found …

verfasst von:
Bharti Ramtiyal, Deepak Verma, Ajaypal Singh Rathore


Applying the design thinking model to hands-on mechatronics STEM activities for senior high school students to improve the learning performance and learning behavior

In recent years, with increasing industrial development and a lack of adequate labor, countries worldwide have paid more attention to science, technology, engineering, and mathematics (STEM) education. The cross-disciplinary nature of STEM …

verfasst von:
Hsien-Sheng Hsiao, Yuan-Chen Chang, Kuen-Yi Lin, Jyun-Chen Chen, Chien-Yu Lin, Guang-Han Chung, Jheng-Han Chen

01.12.2022 | Vertrieb

Digitale Tools erleichtern den Geschäftsalltag

Finanzdienstleister brauchen Lösungen, mithilfe derer sie auf die Bedürfnisse ihrer Kunden reagieren können. Das gelingt mit digitalen Bankprodukten, die nicht nur großen, sondern auch kleineren Unternehmen Vorteile bringen.

verfasst von:
Umberto Zola

18.11.2022 | Regular Paper

Authenticable medical image-sharing scheme based on embedded small shadow QR code and blockchain framework

In the field of medical image content protection and security sharing, the introduction of blockchain technology has a problem in that the secret key may be lost and cannot be recovered. Therefore, this paper proposes an authenticable medical …

verfasst von:
Wenying Wen, Yunpeng Jian, Yuming Fang, Yushu Zhang, Baolin Qiu

Open Access 17.11.2022

Privacy protection framework for face recognition in edge-based Internet of Things

Edge computing (EC) gets the Internet of Things (IoT)-based face recognition systems out of trouble caused by limited storage and computing resources of local or mobile terminals. However, data privacy leak remains a concerning problem. Previous …

verfasst von:
Yun Xie, Peng Li, Nadia Nedjah, Brij B. Gupta, David Taniar, Jindan Zhang

15.11.2022 | Long Paper

Cross-cultural factors influencing the adoption of virtual reality for practical learning

Education is one area that was significantly affected by the COVID-19 pandemic with much of the education being transferred online. Many subjects that require hands-on experimental experience suffer when taught online. Education is also one area …

verfasst von:
Diego Monteiro, Teng Ma, Yue Li, Zhigeng Pan, Hai-Ning Liang


Enablers and Inhibitors of Mobile Payments in Rural India: a Dual-Factor Theory Perspective

This study aims to address the scant research on emerging economies, especially the rural population, which are expected to drive the significant growth of mobile payment services. We developed a research model using dual-factor theory as an …

verfasst von:
Sujeet Kumar Sharma, Anubhav Mishra


Factors affecting university students switching intention to mobile learning: a push-pull-mooring theory perspective

Adopting technology by its intended users is one of the most important contributors to that technology’s success. Therefore, the success of mobile learning (ML) depends on the students’ acceptance of the method. Regarding this point, this …

verfasst von:
Lisana Lisana

Open Access 03.11.2022 | Research Article

Reshaping Internationalization Strategy and Control for Global E-Commerce and Digital Transactions: A Hayekian Perspective

As the sharing economy has grown rapidly and replaced the traditional businesses, new rules and norms for data and digital trade have emerged divergently in many countries. Such divergence in global e-commerce policies may be a major barrier to …

verfasst von:
Hongryol Cha, Masaaki Kotabe, Jie Wu

15.10.2022 | Original Research

The Effect of Digital Financial Inclusion on Relative Poverty Among Urban Households: A Case Study on China

This study examines the effect of digital financial inclusion on relative poverty among urban households in China. Based on the data of the China Family Panel Studies and the Peking University Digital Financial Inclusion Index of China, using the …

verfasst von:
Peng Peng, Hui Mao


Fraud Detection in Mobile Payment Systems using an XGBoost-based Framework

Mobile payment systems are becoming more popular due to the increase in the number of smartphones, which, in turn, attracts the interest of fraudsters. Extant research has therefore developed various fraud detection methods using supervised …

verfasst von:
Petr Hajek, Mohammad Zoynul Abedin, Uthayasankar Sivarajah

Open Access 11.09.2022 | Catchword

Mini-App Ecosystems

Since the launch of the first iPhone in 2007 and the Apple App Store for mobile apps for iPhones in 2008, almost 1.96 million apps have been made available on the App Store for iOS users (Statista 2021 ). This makes the Apple App Store the …

verfasst von:
Maximilian Schreieck, Ange Ou, Helmut Krcmar


ReliefChain: A blockchain leveraged post disaster relief allocation system over smartphone-based DTN

One of the major concerns in any emergency relief operation is appropriate allocation of scarce emergency relief materials to the affected community. Due to several reasons ranging from lack of mechanism to accurately assess demand and utility of …

verfasst von:
Nabanita Das, Souvik Basu, Sipra Das Bit


Perceived aggressive monetization: why some mobile gamers won’t spend any money on in-app purchases

What causes mobile gamers to be unwilling to spend money on in-app purchases (IAP)? This paper answers this question in two studies. The first study develops and validates the new construct of perceived aggressive monetization (PAM). The second …

verfasst von:
Imam Salehudin, Frank Alpert


Improved key-recovery attacks on reduced-round WEM-8

Proposed in CT-RSA’2017, WEM is a family of white-box block ciphers based on the Even-Mansour structure and AES. Due to its elegant structure and impressive performance, WEM is a prominent primitive in white-box cryptography-oriented scenarios …

verfasst von:
Jun Liu, Dachao Wang, Yupu Hu, Jie Chen, Baocang Wang

12.08.2022 | Application of soft computing

An intelligent parking management system using RFID technology based on user preferences

Due to the tremendous progress in the automotive industry, the growth of the urban population, the number of cars is increasing and this creates parking challenges. Intelligent parking management systems offer an optimal solution for finding empty …

verfasst von:
Amir Shimi, Mohammad Reza Ebrahimi Dishabi, Mohammad Abdollahi Azgomi


Recommendations for improving research quality: relationships among constructs, verbs in hypotheses, theoretical perspectives, and triangulation

The purpose of this paper is to suggest recommendations for improving research quality and theory development by addressing four issues. Two of them concern hypotheses, their statements, and observed inconsistencies found in articles; the other …

verfasst von:
Gjoko Stamenkov

08.08.2022 | Original Paper

Uncovering research trends and opportunities on FinTech: a scientometric analysis

This paper employs the scientific econometric analysis approach to review 705 academic publications related to Fintech from 2006 to 2021. The historical evolution, latest status and development trend of FinTech research are identified by …

verfasst von:
Junbin Wang, Chenyang Zhao, Lufei Huang, Shuai Yang, Minxing Wang

Open Access 01.08.2022

How to measure the status quo bias? A review of current literature

The Status Quo Bias (SQB) describes an individual's preference to avoid changes and maintain the current situation. In today’s world, technological advances require nearly constant change within organizations. Thus, SQB can become an issue when it …

verfasst von:
Marie-E. Godefroid, Ralf Plattfaut, Björn Niehaves


Investigating the effects of platform and mobility on mobility as a service (MaaS) users’ service experience and behavioral intention: empirical evidence from MeNGo, Kaohsiung

Different from most existing studies in the literature, this study proposes and empirically examines an integrated model to understand user experience and behavior based on actual experiences with a real-world MaaS platform. Specifically, the …

verfasst von:
Ching-Fu Chen, Yi-Xuan Chen


Two decades of DeLone and Mclean IS success model: a scientometrics analysis

The DeLone and McLean IS Success Model is a widely accepted model by IS researchers for understanding and evaluating the dimension and success of a particular information system. A quantitative investigation of the IS model of success and its …

verfasst von:
Nancyprabha Pushparaj, V. J. Sivakumar, Manoraj Natarajan, A. Bhuvaneskumar


Biometric-based Remote Mutual Authentication Scheme for Mobile Device

Remote user authentication schemes provide a system to verify the legitimacy of remote users’ authentication request over insecure communication channel. In the past years, many authentication schemes using password and smart card have been …

verfasst von:
Sheng-Kai Chen, Jenq-Shiou Leu, Wen-Bin Hsieh, Jui-Tang Wang, Tian Song


Mobile payment adoption in the time of the COVID-19 pandemic

Current situation in COVID-19 pandemic as well as the significant digital transformation, where the whole world is being forced to participate, are lead for a wide acceptance to use the mobile payments. The main objective for the current study is …

verfasst von:
Anas Ali Al-Qudah, Manaf Al-Okaily, Gssan Alqudah, Anas Ghazlat

26.06.2022 | Research Article-Computer Engineering and Computer Science

ROOTECTOR: Robust Android Rooting Detection Framework Using Machine Learning Algorithms

Recently, the newly launched Google protect service alerts Android users from installing rooting tools. However, Android users lean toward rooting their Android devices to gain unlimited privileges, which allows them to customize their devices and …

verfasst von:
Wael F. Elsersy, Nor Badrul Anuar, Mohd Faizal Ab Razak

17.06.2022 | Research Article-Computer Engineering and Computer Science

An Empirical Investigation of Factors Influencing the Adoption of Internet of Things Services by End-Users

The current trends in the internet of things (IoT) continue to attract global attention by adopting various IoT technologies to provide efficient and effective services to consumers. Earlier studies have reported a lot of prospects for IoT which …

verfasst von:
Abdulwahab Ali Almazroi


The effect of digital finance on Residents' happiness: the case of mobile payments in China

With the popularization of digital finance in China, mobile payments have penetrated into all aspects of residents' daily life. However, few studies have examined the potential impact of mobile payments on people's happiness in China. Using the …

verfasst von:
Chunkai Zhao, Xing Li, Jianfeng Yan


Supporting schools to use face recognition systems: a continuance intention perspective of elementary school parents in China

A great deal of attention has been focused on technological innovation, for example, face recognition, which has been used in some countries in various fields. Nonetheless, there has been little attention paid to parents’ acceptance of the use of …

verfasst von:
Jon-Chao Hong, Yushun Li, Shuo-Ying Kuo, Xin An


A survey of blockchain applications in sustainable and smart cities

Global urbanization has vastly enhanced the quality of people’s lives in various domains. Nevertheless, the global rise in urban dwellers is often accompanied by additional difficulties and challenges such as traffic jams, air pollution …

verfasst von:
Shanmukha Makani, Rachitha Pittala, Eitaa Alsayed, Moayad Aloqaily, Yaser Jararweh


Role of e-commerce and resource utilization for sustainable business development: goal of economic recovery after Covid-19

This study seeks to granularly document the fundamental aspects of the pandemic and its effect on the global scale and environmental steadiness. Structural equation modeling (SEM) is therefore utilized to analyze these constructs. The study …

verfasst von:
Mo Chen, Rabia Bashir

01.05.2022 | Praxisfall

Ein Unternehmen zu Devisengeschäften beraten

Die Secure Health GmbH stellt Medizinprodukte und Schutzausrüstung her, die seit Beginn der Corona-Pandemie weltweit stark nachgefragt werden. Geschäftsführer Mark Meister informiert sich bei der Hausbank darüber, wie sein Betrieb Zahlungen in …

verfasst von:
Michael Bäumler


Exploring the factors affecting content dissemination through WeChat official accounts: a heuristic-systematic model perspective

WeChat official accounts attract huge traffic and have an extremely high marketing value. However, as the number of accounts on the platform increases, a new concern for the account operators is garnering more traffic than competitors. Here, we …

verfasst von:
Bo Yang, Yue Hu, Xusen Cheng, Ying Bao, Wenjing Chen

Open Access 19.04.2022

Do digital natives use mobile payment differently than digital immigrants? A comparative study between generation X and Z

Consumers use increasingly Near Field Communication mobile payment to buy products and services. However, the adoption of NFC mobile payment varies by individual attributes of consumers. This paper aims to study the generational differences in …

verfasst von:
Irma Agárdi, Mónika Anetta Alt


An empirical study on facilitators and inhibitors of adoption of mobile banking in India

Mobile banking liberates people from spatial and temporal constraints and delivers significant convenience but people are still hesitant to use mobile banking. The purpose of this study is to examine the most important factors influencing and …

verfasst von:
Noopur Saxena, Navneet Gera, Mayur Taneja


Knowledge acquisition model of mobile payment based on automatic summary technology

The risks in mobile payment under Fintech have become an urgent problem to be addressed. This paper develops a research framework of knowledge acquisition and explores how automatic summarization technology helps extract knowledge of mobile …

verfasst von:
Huosong Xia, Jing Liu, Justin Zuopeng Zhang, Lakshmi Goel, Yuan Wang

05.04.2022 | Application of soft computing

Decision-making analysis based on hesitant fuzzy N-soft ELECTRE-I approach

For the formal expression of uncertain data, hesitant fuzzy set theory has established itself as a distinguished model because it has a broad use in multi-attribute decision-making problems. With the incorporation of features from N-soft sets, a …

verfasst von:
Arooj Adeel, Muhammad Akram, Naim Çaǧman


Full-convolution Siamese network algorithm under deep learning used in tracking of facial video image in newborns

This study was carried out with the aim of exploring the full-convolution Siamese network (SiamFC) in the application of neonatal facial video image tracking, achieving accurate recognition of neonatal pain and helping doctors evaluate neonatal …

verfasst von:
Yun Wang, Lu Huang, Austin Lin Yee


Exploring the key factors affecting the usage intention for cross-border e-commerce platforms based on DEMATEL and EDAS method

Cross-border e-commerce (CBEC) is developing into a new business and an important part of the international trade channel. While understanding the usage intention that facilitates platform adoption is a critical issue for any CBEC firm, academia …

verfasst von:
Yi-Hsiang Lu, Ching-Chiang Yeh, Tz-Wei Liau


Integrating internet of things and mixed reality to teach performance-based architectural design: a case study of shading devices

Performance-based architectural design pursues building performance objectives like energy efficiency to guide design decisions. Nevertheless, these informed decisions are usually made according to performance simulation software results, which …

verfasst von:
Shenghuan Zhao, Qiang Pan, Deyuan Gao, Jiqiu Cheng


Is cash perceived as more valuable than digital money? The mediating effect of psychological ownership and psychological distance

This research examines how the type of money (cash vs. digital) affects consumers’ perceived purchasing power (PPP) of the money and the mediating mechanisms of psychological ownership and psychological distance. Three lab experiments confirm that …

verfasst von:
Kun Zhou, Jun Ye, Xiao-xiao Liu

19.03.2022 | Regular Paper

An improvement for PDF417 code authentication on mobile phone terminals based on code feature analysis and watermarking

In the current digital information age, PDF417 code has become an indispensable tool in daily life because it is extensively used. By the universal use of PDF417 code applications, mobile code scanning has become an indispensable part of people’s …

verfasst von:
De Li, Lu Zhang, Xun Jin


Replenishment and delivery optimization for unmanned vending machines service system based on fuzzy clustering

The optimization of replenishment and delivery problem (RDP) for unmanned vending machines supply chain network (UVM-SCN) is challenging due to frequent service interruptions and supply–demand mismatches in operations. Many studies adopt proactive …

verfasst von:
Mozhu Wang, Jianming Yao


Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context

The use of mobile payment (m-payment) is growing exponentially in developing countries. A small number of investigations have been undertaken on what makes people continue to use m-payment in an African context. We combine the task technology fit …

verfasst von:
Frank Bivar Franque, Tiago Oliveira, Carlos Tam


Mobile payment adoption and the decline in China’s household savings rate

This paper examines the effects of mobile payment (m-payment) adoption on household savings decline in China. Using data from the 2017 China Household Finance Survey, we employ an instrumental variable approach with multiple robustness checks to …

verfasst von:
Jianmei Zhao, Lele Zhao

07.02.2022 | Empirical article

Research trends in digital transformation in the service sector: a review based on network text analysis

Digital transformation has influenced value chain operations of both manufacturing and service firms. This study examined digital transformation in the service sector through network text analysis of 330 related articles published during the past …

verfasst von:
Jin Sung Rha, Hong-Hee Lee

Open Access 03.02.2022 | Research Paper

The Effects of Digital Technology on Opportunity Recognition

Recognizing opportunities enabled by digital technology (DT) has become a competitive necessity in today’s digital world. However, opportunity recognition is a major challenge given the influence of DT, which not only disperses agency across …

verfasst von:
Thomas Kreuzer, Anna-Katharina Lindenthal, Anna Maria Oberländer, Maximilian Röglinger


What makes consumers trust and adopt fintech? An empirical investigation in China

Building upon the information systems success model (ISSM) and the theory of reasoned action (TRA), we suggest a set of hypotheses related to fintech services consumer adoption, and we use survey data from a sample of consumers in China’s fintech …

verfasst von:
Taewoo Roh, Young Soo Yang, Shufeng Xiao, Byung Il Park


Competition and Regulation of Mobile Money Platforms in Africa: A Comparative Analysis of Kenya and Uganda

We analyze the competition issues in mobile money in Kenya–where Safaricom is the market leader–and in Uganda: where the market is duopolistic. We evaluate the multi-sided platform characteristics that have underpinned the rapid growth of the lead …

verfasst von:
Anthea Paelo, Simon Roberts

Open Access 22.01.2022

Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory

This research aims to investigate the adoption gap in mobile payment systems between Italy and China, focusing on users’ intention to adopt mobile payment. The theoretical framing considers both drivers and barriers when combines the unified …

verfasst von:
Giacomo Migliore, Ralf Wagner, Felipe Schneider Cechella, Francisco Liébana-Cabanillas


A secure IoT-based micro-payment protocol for wearable devices

Wearable devices are parts of the essential cost of goods sold (COGS) in the wheel of the Internet of things (IoT), contributing to a potential impact in the finance and banking sectors. There is a need for lightweight cryptography mechanisms for …

verfasst von:
Sriramulu Bojjagani, P. V. Venkateswara Rao, Dinesh Reddy Vemula, B Ramachandra Reddy, T. Jaya Lakshmi

08.01.2022 | Focus

Analysis of the change of artificial intelligence to online consumption patterns and consumption concepts

In order to explore the change of artificial intelligence to online consumption patterns and consumption concepts, this paper explores the changes of artificial intelligence to online consumption patterns and consumption concepts, which are mainly …

verfasst von:
Longyue Bai

Open Access 01.12.2021 | Research

Contextual polarity and influence mining in online social networks

Crowdsourcing is an emerging tool for collaboration and innovation platforms. Recently, crowdsourcing platforms have become a vital tool for firms to generate new ideas, especially large firms such as Dell, Microsoft, and Starbucks, Crowdsourcing …

verfasst von:
Hassan Alzahrani, Subrata Acharya, Philippe Duverger, Nam P. Nguyen

01.12.2021 | Bankmagazin-Gespräch

"Wir sind auf dem Weg zur Techbank"

Karsten Traum, Bereichsleiter Unternehmensentwicklung und Customer Solutions bei der Deutschen Kreditbank (DKB), über den Veränderungs- und Wachstumspfad seines Instituts, die Entwicklung von Kundenbedürfnissen und die Zukunft des Kartengeschäfts.

verfasst von:
Christian Kemper

01.12.2021 | Original Article

Predicting the number of customer transactions using stacked LSTM recurrent neural networks

Time series forecasting is used to predict future values on a data sequence using time-based data. Time series of transactions or count data are difficult to predict because of their complex nonlinear patterns. The purpose of this study is to …

verfasst von:
M. V. Sebt, S. H. Ghasemi, S. S. Mehrkian

Open Access 01.12.2021 | Research

Characterizing financial markets from the event driven perspective

In this work we study how company co-occurrence in news events can be used to discover business links between them. We develop a methodology that is able to process raw textual data, embed it into a numerical form, and extract a meaningful network …

verfasst von:
Miha Torkar, Dunja Mladenic

01.12.2021 | Praxisfall

Einem jungen Kunden das passende Konto anbieten

An ihre Bank knüpfen junge Erwachsene viele Erwartungen. Das Girokonto und die Kontoführung sowie der Handel mit Wertpapieren sollen möglichst kostenlos sein. Und beim Zahlungsverkehr sind Geldhäuser attraktiv, die verschiedene digitale Varianten …

verfasst von:
Carmen Mausbach

01.12.2021 | Bankwirtschaft

Digitale Bezahlverfahren werden immer beliebter

Seit dem Ausbruch der Corona-Pandemie erlebt das kontaktlose Bezahlen einen Höhenflug. Verbraucher greifen häufiger zur Bankkarte oder zu ihrem Smartphone, um im Handel eine Tranksaktion zu tätigen.

verfasst von:
Tobias Hohberger

Open Access 01.12.2021 | Research

A new task offloading algorithm in edge computing

In the last few years, the Internet of Things (IOT), as a new disruptive technology, has gradually changed the world. With the prosperous development of the mobile Internet and the rapid growth of the Internet of Things, various new applications …

verfasst von:
Zhenjiang Zhang, Chen Li, ShengLung Peng, Xintong Pei


A pathway to involve consumers for exchanging electronic waste: a deep learning integration of structural equation modelling and artificial neural network

The pandemic of COVID-19 has disrupted every human life by putting the global activities at halt. In such a situation, people while staying at home tend to have an increased consumption which also leads to an increased level of waste generation.

verfasst von:
Arsalan Najmi, Kanagi Kanapathy, Azmin Azliza Aziz


The evolution of the global digital platform economy: 1971–2021

Some years, like some poets and politicians, are singled out for fame far beyond the common lot, and 1971 was clearly such a year. Like—1066, 1929, and 1945—it is a year that everyone remembers whether one was born before or after 1971. Fifty years …

verfasst von:
Zoltan J. Acs, Abraham K. Song, László Szerb, David B. Audretsch, Éva Komlósi

12.11.2021 | Empirical article

Technology- or human-related service innovation? Enhancing customer satisfaction, delight, and loyalty in the hospitality industry

To sustain a company’s competitive advantage, providing innovative products or services is inevitable. Previous researches mainly focused on technology-related service innovation (TRSI), letting human-related service innovation (HRSI) remain …

verfasst von:
Yang-Fei Tai, Yi-Chieh Wang, Ching-Ching Luo


Understanding the determinants of e-wallet continuance usage intention in Malaysia

The present research aims to investigate the determinants of e-wallet continuance usage intention in Malaysia using extending Technology Continuance Theory (TCT) via examining four variables, namely price benefit, trust, habit, and operational …

verfasst von:
Nurul-Ain Abdul-Halim, Ali Vafaei-Zadeh, Haniruzila Hanifah, Ai Ping Teoh, Khaled Nawaser


Design on Face Recognition System with Privacy Preservation Based on Homomorphic Encryption

Face recognition is playing an increasingly important role in present society, and suffers from the privacy leakage in plaintext. Therefore, a recognition system based on homomorphic encryption that supports privacy preservation is designed and …

verfasst von:
Yatao Yang, Qilin Zhang, Wenbin Gao, Chenghao Fan, Qinyuan Shu, Hang Yun

20.09.2021 | Article

The “e-Wallet Generation”: How Barriers and Promoting Factors Influence Intention to Use

Despite their young age, Generation Z has high awareness and experience of using e-wallets, otherwise known as digital wallets. However, research on users’ behaviours is often conducted in the context of the older Millennial generation, which has …

verfasst von:
Thuy-vy Pham, Nhu-Y Ngoc Hoang, Hai-Ninh Do

Open Access 16.09.2021 | Original Article

UR: SMART–A tool for analyzing social media content

The digital transformation, with its ongoing trend towards electronic business, confronts companies with increasingly growing amounts of data which have to be processed, stored and analyzed. Instant access to the “right” information at the time it …

verfasst von:
Josef Schwaiger, Timo Hammerl, Johannsen Florian, Susanne Leist


Between Handholding and Hand-held Devices: Marketing Through Smartphone Innovation and Women’s Entrepreneurship in Post Conflict Economies in Times of Crisis

There is a wide gender gap in developing countries due to a range of cultural, economic and political barriers. This is even more accentuated in post conflict economies in times of crisis. Smartphones and mobile applications can help to narrow …

verfasst von:
Nisreen Ameen, Nnamdi O. Madichie, Amitabh Anand


Diffusion of Innovations: Mobile Money Utility and Financial Inclusion in Nigeria. Insights from Agents and Unbanked Poor End Users

Despite a rigorous policy drive towards financial inclusion in Nigeria, and although the country has a high tele-density ratio, the vast unbanked largely poor remain excluded from the financial sector. Adopting a mixed method approach of the …

verfasst von:
Olayinka David-West, Oluwasola Oni, Folajimi Ashiru

Open Access 28.08.2021 | Survey and State of the Art

Hybrid artificial neural network and structural equation modelling techniques: a survey

Topical treatments with structural equation modelling (SEM) and an artificial neural network (ANN), including a wide range of concepts, benefits, challenges and anxieties, have emerged in various fields and are becoming increasingly important.

verfasst von:
A. S. Albahri, Alhamzah Alnoor, A. A. Zaidan, O. S. Albahri, Hamsa Hameed, B. B. Zaidan, S. S. Peh, A. B. Zain, S. B. Siraj, A. H. B. Masnan, A. A. Yass

Open Access 24.08.2021 | Original Article

An integrated fuzzy model for evaluation and selection of mobile banking (m-banking) applications using new fuzzy-BWM and fuzzy-TOPSIS

Mobile technology has revolutionised various business processes. Banking is one of them. Traditional banking operations are gradually changing with the introduction of efficient mobile technologies. Mobile banking (m-banking) has recently emerged …

verfasst von:
Pranith Kumar Roy, Krishnendu Shaw


Android vs. IOS: a comparative analysis over mobile operator infrastructures based on crowdsourced mobile dataset

User equipment (UE)’s operating system (OS) and category types are important factors that are affecting the end-user performance in a given mobile network operator (MNO)’s infrastructure. For this reason, fair and statistically accurate observed …

verfasst von:
Engin Zeydan

13.08.2021 | Original Article

Segmentation of individual donors to charitable organizations

Our article examines market segments within the broader category of individual donors to charity and cause related organizations. This is an area of research in which considerable conflicting results have been produced. In our study, we find that …

verfasst von:
Eric Kolhede, J. Tomas Gomez-Arias


Cognitive Chatbot for Personalised Contextual Customer Service: Behind the Scene and beyond the Hype

With the proliferation of the use of chatbots across industries, business-to-business (B2B) businesses have started using cognitive chatbots for improved customer service which signifies our research. By extending the Technology Acceptance Model …

verfasst von:
Rajat Kumar Behera, Pradip Kumar Bala, Arghya Ray


A cloud-based mobile payment system using identity-based signature providing key revocation

Along with the increasing expansion of wireless networks and mobile devices, security, and efficiency in mobile payment systems have become especially important. In this research, a secure and efficient mobile payment system is provided using an …

verfasst von:
Fatemeh Alidadi Shamsabadi, Shaghayegh Bakhtiari Chehelcheshmeh


Modeling users’ acceptance of mobile social commerce: the case of ‘Instagram checkout’

Mobile Social Commerce (MSC) is the present and the future of e-commerce; and a growing topic of research interest. However, despite its numerous current abilities and its prosperous future prospects there has been slightly investigated so far. In …

verfasst von:
Vaggelis Saprikis, Giorgos Avlogiaris


Cashless Japan: Unlocking Influential Risk on Mobile Payment Service

In Japan, cashless is not yet popular but government and companies are devoted to the development of mobile payment methods. This research collected 241 Japanese users and applied decision trees algorithm. Six types of perceived risks (financial …

verfasst von:
Wei-Lun Chang, Li-Ming Chen, Takako Hashimoto


Cryptanalysis of Near Field Communication Based Authentication Protocol for Mobile Payment System

Near field communication (NFC) is one of the utmost pullulating technology in the lea of pervasive computing. In the domain of mobile commerce, mobile payments have advantages akin user convenience (anytime and anywhere) enhanced throughout.

verfasst von:
Pinki Prakash Vishwakarma, Amiya Kumar Tripathy, Srikanth Vemuru


Nominal effect vs actual effect: overconfidence in a consignment omnichannel

The overconfident behavior brings about serious decision biases to the consignment omnichannel, which will invariably lead to false prosperity and poor actual performance eventually. This paper tries to explore the nominal and actual effects and …

verfasst von:
Zhisong Chen, Chaonan Tang, Jianhui Peng

Open Access 07.06.2021

Chief digital officers: the state of the art and the road ahead

There is a lively debate on chief digital officers (CDOs). Some practitioners stress CDOs’ critical role in recrafting digital strategies and accelerating digital transformation, while others predict their disappearance. Academics have also …

verfasst von:
Lena Kessel, Lorenz Graf-Vlachy

01.06.2021 | Strategie

Revolution beim Bezahlen für Verwaltungsleistungen?

Der digitale Wandel erfasst alle Bereiche des Lebens und damit auch die Art und Weise, wie wir zahlen. Längst hat die Diskussion um einen digitalen Euro sowie um die Frage begonnen, ob dieser dazu beitragen kann, die Auswirkungen von Krisen …

verfasst von:
Andrea Stertz

01.06.2021 | Strategie

Wie möchten Sie gerne zahlen?

Auch wenn kommunale Dienstleistungen inklusive Zahlvorgang bald digital abgebildet sein müssen, werden auch zukünftig viele Menschen zukünftig weiter "aufs Amt" gehen wollen. Die Zahlungsmethoden vor Ort aber wandeln sich und kontaktlose …

verfasst von:
Steffen Schwenk


Impact of Virtual Cash Economy on Livelihood Outcomes of Informal Cross Border Traders in Gweru, Zimbabwe

Informal Cross Border Trade (ICBT) is a viable economic activity for many people, in Zimbabwe, who have depended on it for survival during economic hardships. Due to climate change, agriculture cannot be depended upon for survival and people are …

verfasst von:
Beauty Dzawanda, Melanie D. Nicolau, Mark Matsa


Computation offloading and service allocation in mobile edge computing

The intensive mobile data traffic poses a great challenge for energy-constrained mobile devices. In the mobile edge environment, effective computing offloading and resource allocation can improve the service performance of edge computing systems.

verfasst von:
Chunlin Li, Qianqian Cai, Chaokun Zhang, Bingbin Ma, Youlong Luo

20.04.2021 | Empirical article

Consumer-to-consumer reselling adoption among European countries: differences between old and young millennials

This research examines differences in the adoption of online reselling between old and young millennials across countries in Europe. National cultural values and government policies are included in the analysis as reasons for differences between …

verfasst von:
Laura Lucia-Palacios, Victoria Bordonoba-Juste, Raúl Pérez-López

19.04.2021 | Soft computing in decision making and in modeling in economics

Group decision-making framework under linguistic q-rung orthopair fuzzy Einstein models

The q-rung orthopair fuzzy sets dynamically change the range of indication of decision knowledge by adjusting a parameter q from decision makers, where $$q \ge 1$$ q ≥ 1 , and outperform the conventional intuitionistic fuzzy sets and Pythagorean …

verfasst von:
Muhammad Akram, Sumera Naz, S. A. Edalatpanah, Rida Mehreen


Blockchain smart contracts: Applications, challenges, and future trends

In recent years, the rapid development of blockchain technology and cryptocurrencies has influenced the financial industry by creating a new crypto-economy. Then, next-generation decentralized applications without involving a trusted third-party …

verfasst von:
Shafaq Naheed Khan, Faiza Loukil, Chirine Ghedira-Guegan, Elhadj Benkhelifa, Anoud Bani-Hani


Mobile money traceability and federation using blockchain services

This paper discusses a new approach to mobile money, a money transfer solution via mobile phone, which uses accounts associated with Subscriber Identity Module (SIM) identifiers, and which is managed by the Mobile Network Operators (MNOs). The …

verfasst von:
Kodjo Edem Agbezoutsi, Pascal Urien, Toundé Mesmin Dandjinou

Open Access 08.04.2021 | Original Article

An effective matching algorithm with adaptive tie-breaking strategy for online food delivery problem

With the prosperity of e-commerce, ordering food online has become increasingly prevalent nowadays. Derived from the dispatching problem in Meituan, a real online food delivery (OFD) platform in China, this paper addresses an OFD problem (OFDP).

verfasst von:
Jing-fang Chen, Ling Wang, Shengyao Wang, Xing Wang, Hao Ren


A reliable location design of unmanned vending machines based on customer satisfaction

The location problem of unmanned vending machine is challenging due to the variety of customer preferences and random breakdown in service. In this paper, we present an optimization model for reliable location design of unmanned vending machines …

verfasst von:
Mozhu Wang, Jianming Yao

Open Access 05.04.2021 | Original Article

Social media intention mining for sustainable information systems: categories, taxonomy, datasets and challenges

Intention mining is a promising research area of data mining that aims to determine end-users’ intentions from their past activities stored in the logs, which note users’ interaction with the system. Search engines are a major source to infer …

verfasst von:
Ayesha Rashid, Muhammad Shoaib Farooq, Adnan Abid, Tariq Umer, Ali Kashif Bashir, Yousaf Bin Zikria


A robust provable-secure privacy-preserving authentication protocol for Industrial Internet of Things

Wireless sensor networks (WSNs) accomplish a key aspect in the Industrial Internet of Things (IIoT) that has turned out to be the most flourishing perception for computerizations in an industrial maneuver. IIoT environment is a significant …

verfasst von:
Diksha Rangwani, Dipanwita Sadhukhan, Sangram Ray, Muhammad Khurram Khan, Mou Dasgupta

30.03.2021 | Original Empirical Research

How does the adoption of digital payment technologies influence unorganized retailers’ performance? An investigation in an emerging market

Unorganized retail dominates the retail landscape across emerging markets (EMs) and is undergoing rapid digitalization. However, the extant literature has not explored the impact of digital payment system adoption on unorganized retailer (UR) …

verfasst von:
Anirban Adhikary, Krishna Sundar Diatha, Sourav Bikash Borah, Amalesh Sharma


Efficient Mobile Security for E Health Care Application in Cloud for Secure Payment Using Key Distribution

Through the growing attractiveness of the financial world, the e health care application has developed quicker than the previous period, such that mobile payment adore extraordinary fame and are occupying an ever-growing business. This is …

verfasst von:
A. Saranya, R. Naresh

Open Access 01.03.2021 | Original Paper

SMEs with legally restricted banking access: evidence from the US marijuana industry

This paper examines how legally restricted access to banking services affects small and medium-sized enterprises (SMEs) in a highly developed country. Using a mixed-method approach, we examine the unique situation of the US marijuana industry. The …

verfasst von:
Markus Merz, Jan Riepe

25.02.2021 | Original Article

Effect of consumers’ online shopping on their investment in money market funds on ecommerce platforms

Along with the rapid growth of online and mobile shopping, a recent interesting phenomenon is the introduction of money market funds by many ecommerce platforms. The goal might be to provide consumers the one-stop convenience of both shopping and …

verfasst von:
Zheren Wang, Shenglin Ben

Open Access 19.02.2021 | Methodological Paper

Sample-based longitudinal discrete choice experiments: preferences for electric vehicles over time

Discrete choice experiments have emerged as the state-of-the-art method for measuring preferences, but they are mostly used in cross-sectional studies. In seeking to make them applicable for longitudinal studies, our study addresses two common …

verfasst von:
Katharina Keller, Christian Schlereth, Oliver Hinz


Innovation portfolio management: a systematic review and research agenda in regards to digital service innovations

Portfolio Management (PM) for innovation is as relevant as ever before as many incumbent firms undergo massive transformation in response to digitalization and face the challenge to allocate resources for traditional product innovation and service …

verfasst von:
Theresa Eckert, Stefan Hüsig


Should the assembly system with direct omnichannel introduce integrated management service? A game-theoretical modelling study

Against the background of omnichannel retailing, this paper tries to explore the incentive conditions/regions of adopting integrated management service (IMS) and the operational strategies/performance for the assembly system with direct …

verfasst von:
Zhisong Chen, Jianhui Peng


A review of q-rung orthopair fuzzy information: bibliometrics and future directions

The q-rung orthopair fuzzy set (q-ROFS), initiated by Yager, is a novel tool to dispose of indeterminacy that considers the membership $$\mu$$ μ and non-membership $$\nu$$ ν , which satisfy the limited condition $$0\le \mu ^q+\nu ^q\le 1$$ 0 ≤ μ q …

verfasst von:
Xindong Peng, Zhigang Luo


Network Security Situation Prediction of Improved Lanchester Equation Based on Time Action Factor

Existing network security situational awareness assessment and prediction are not fully considered network defense utility, time factor and other indicators, and the randomness of attacks and the accuracy of the prediction of attack intentions and …

verfasst von:
Huiqian Song, Dongmei Zhao, Chunyang Yuan


Is internet penetration narrowing the rural–urban income inequality? A cross-regional study of China

Internet penetration (NET) brings new opportunities as well as challenges to countries all over the world. It can narrow the rural–urban income inequality (RUI), because it increases the connections of rural areas to the urban areas from both the …

verfasst von:
Lei-Ju Qiu, Shun-Bin Zhong, Bao-Wen Sun, Yu Song, Xiao-Hua Chen

01.01.2021 | Vertrieb

Sicher, bequem und kontaktlos zum Ticket

Eine papierlose Fahrkarte im Vorbeigehen und dazu immer der beste Tarif: Im September ging die Stadt Bonn mit Partnern wie Visa und der Postbank einen großen Schritt in Richtung Smart City. Was sich hinter dem Pilotprojekt "BONNsmart" verbirgt …

verfasst von:
Jürgen Schübel, Lars Stoy


How User Engagement Metrics Ameliorate the Web QoE?

User engagement in general is an interpretation of an individual’s reaction to an offer (a service, a product, an application). We can determine a person’s degree of commitment directly by interacting with him or by observing his behavior. To …

verfasst von:
Nawres Abdelwahed, Asma Ben Letaifa, Sadok El Asmi


Blockchain technology in supply chain management: an empirical study of the factors affecting user adoption/acceptance

Blockchain overcomes numerous complicated problems related to confidentiality, integrity, availability of fast and secure distributed systems. Using data from a cross-sectoral survey of 449 industries, we investigate factors that hinder or …

verfasst von:
Moutaz Alazab, Salah Alhyari, Albara Awajan, Ayman Bahjat Abdallah


An Empirical Investigation of Intent to Adopt Mobile Payment Systems Using a Trust-based Extended Valence Framework

The purpose of this research is to assess the impact of trust, when balanced with risk and benefit, on consumer intention to adopt mobile payment systems. A research model is created to assess intent based on perceived trust, along with three …

verfasst von:
Amita Goyal Chin, Mark A. Harris, Robert Brookshire


Presentation attack detection based on score level fusion and challenge-response technique

Biometrics is the state of the art in dealing with identity identification and verification based on the physical and behavioral characteristics and widely used in the fields of Fintech, such as mobile payment and online banking due to its …

verfasst von:
Chao-Lung Chou


Influence of Habits on Mobile Payment Acceptance: An Ecosystem Perspective

With the increase in the use of various mobile devices, mobile payments have become a crucial driver for commerce success. However, the percentage of consumers who use or continue using mobile payments in the US is low. This study adopts …

verfasst von:
Lin Jia, Xiuwei Song, Dianne Hall


A structured review and theme analysis of financial frauds in the banking industry

Organizations of all types are vulnerable to frauds. Banks contribute to a significant extent in a country’s economic development by generating a large part of revenue in the service sector. Deterrence of fraud is impossible without understanding …

verfasst von:
Pallavi Sood, Puneet Bhushan


Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage

The popularity of mobile payment services lies in the convenient transactions they offer to users. In the age of growing cybercrime, however, mobile payment transactions carry risks of financial and data losses. It thus becomes critical to …

verfasst von:
Abhipsa Pal, Tejaswini Herath, Rahul De’, H. Raghav Rao

06.10.2020 | Original Paper

A Configurational Analysis of the Causes of Consumer Indirect Misbehaviors in Access-Based Consumption

Consumer indirect misbehavior in access-based consumption is a significant challenge for enterprises. The literature is in short of a deep understanding of the antecedent conditions of consumer indirect misbehavior in this context and limited by …

verfasst von:
Xiao-Ling Jin, Zhongyun Zhou, Yiwei Tian

01.10.2020 | SPECIAL

Girocard wächst dank Apple

Das kontaktlose und mobile Bezahlen etabliert sich im Leben der Verbraucher in Deutschland wegen der Corona-Pandemie zunehmend. Im Hintergrund tobt nun der harte Kampf der Anbieter um Zugangswege und Marktanteile.

verfasst von:
François Baumgartner


A semi-supervised approach in detecting sentiment and emotion based on digital payment reviews

This paper investigates the sentiment and emotion of digital payment application consumers using a hybrid approach consisting of both supervised and unsupervised machine learning techniques. Support vector machine, random forest and Naïve Bayes …

verfasst von:
Vimala Balakrishnan, Pik Yin Lok, Hajar Abdul Rahim

09.08.2020 | Original Article

Charity donation intention via m-payment apps: donor-related, m-payment system-related, or charity brand-related factors, which one is overkill?

The purpose of this study is to examine the impact of donor-related factors (e.g., religiosity, and attitude toward helping others), m-payment system-related factors (system trust, and effort expectancy) and charity brand-related factors (a …

verfasst von:
Fatemeh Maleki, Seyed Mohsen Hosseini

Open Access 21.07.2020

Building Consumers’ Trust in Electronic Retail Platforms in the Sub-Saharan Context: an exploratory study on Drivers and Impact on Continuance Intention

Lack of trust can have a negative influence on consumers’ willingness to use electronic retail (e-tail) platforms especially in countries with weak regulations and poor consumer rights. This paper examined factors that can be employed to build …

verfasst von:
Kayode Odusanya, Olu Aluko, Banita Lal


What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”

Mobile payment services have become increasingly important in daily lives in India due to multiple planned and unplanned events. The objective of this study is to identify the determinants of usage satisfaction of mobile payments which could …

verfasst von:
Arpan Kumar Kar


Monopoly or competition: strategic analysis of a retailing technology service provision

To improve the consumer shopping experience and to remain competitive, an increasing number of retailers continue to increase their investment in technology services and actively seek help from technology service providers to transform and upgrade …

verfasst von:
Fengying Hu, Zhenglong Zhou


M-learning adoption of management students’: A case of India

The present study aims to interpret management student’s motivation to adopt m-learning and assesses the determinates impacting the behavioral intent of m-learning adoption. A comprehensive research archetype is proposed by integrating two …

verfasst von:
Sadhna Shukla

20.05.2020 | Methodologies and Application

Optimized channel allocation in emerging mobile cellular networks

The task of optimizing service quality in wireless networks is a continuous research that requires the design of efficient channel allocation schemes. The problem is how limited channel resources can be maximally utilized, to guarantee seamless …

verfasst von:
Daniel Asuquo, Moses Ekpenyong, Samuel Udoh, Samuel Robinson, Kingsley Attai

Open Access 13.05.2020

How do banks interact with fintech startups?

The increasing pervasiveness of technology-driven firms that offer financial services has led to growing pressure on traditional banks to modernize their core business activities and services. Many banks tackle the challenges of digitalization by …

verfasst von:
Lars Hornuf, Milan F. Klus, Todor S. Lohwasser, Armin Schwienbacher


Towards supporting software assurance assessments by detecting security patterns

Today, many tools exist that attempt to find possible vulnerabilities in Android applications, e.g., FlowDroid, Fortify, or AppScan. However, all these tools aim to detect vulnerabilities or (sometimes) tainted flows and present the reviewer …

verfasst von:
Michaela Bunke, Karsten Sohr

01.05.2020 | Vertrieb

Wie Hausbanken relevant bleiben

Eine Studie von Investors Marketing zeigt, wie klassische Geldhäuser in der Gunst ihrer Kunden wieder aufsteigen können. Dabei sollten sie insbesondere ihre Preisspielräume nutzen und neue Kontaktpunkte anbieten.

verfasst von:
Oliver Mihm

Open Access 30.04.2020

Consumer Acceptance and Use of Information Technology: A Meta-Analytic Evaluation of UTAUT2

Despite being regarded as the most comprehensive theory in understanding individual technology adoption – UTAUT2 theory with growing number of citations and impetus beyond IS domain face strong criticism on usage of the model in its entirety. This …

verfasst von:
Kuttimani Tamilmani, Nripendra P. Rana, Yogesh K. Dwivedi

14.04.2020 | Original Paper

An empirical investigation of the adoption of mobile health applications: integrating big data and social media services

With the advancement of digital technologies, the mobile healthcare industry aims to enhance health intelligence through delivering transformational digital services. This study integrates knowledge derived from three models of innovation …

verfasst von:
Tahereh Saheb

09.03.2020 | Original Paper

Two heads are better than one: matchmaking tools in coworking spaces

Matchmaking is introduced to the coworking literature as a process of connecting potential collaboration partners. The process itself is realised through a smartphone application drawing on user-generated profiles, allowing coworkers to create …

verfasst von:
Cristopher Siegfried Kopplin

04.03.2020 | Article

Customers’ Continuance Intention to Use Mobile Banking: Development and Testing of an Integrated Model

Drawing upon the technology acceptance model and trust theory, the present study develops a model to examine the effects of antecedent variables in customers’ continuance intention to use mobile banking service channels. Utilizing data from 202 …

verfasst von:
Zeleke Siraye Asnakew

11.02.2020 | Open Forum

Developing socially inspired robotics through the application of human analogy: capabilities and social practice

Socially inspired robotics involves drawing on the observation and study of human social interactions to apply them to the design of sociable robots. As there is increasing expectation that robots may participate in social care and provide some …

verfasst von:
Neil McBride


Mean Field Games Theoretic for Mobile Privacy Security Enhancement in Edge Computing

Edge computing paradigm extends the cloud service to the edge of networks and reduces service latency to edge users. Meanwhile, the characteristics of edge computing, such as mobility and heterogeneity, arise new privacy security challenges.

verfasst von:
Li Miao, Lina Wang, Shuai Li, Xianwei Zhou

Open Access 29.01.2020 | Hauptbeiträge - Thementeil

Anxiety in a digitalised work environment

This article in the journal Gruppe. Interaktion. Organisation. (GIO) presents a qualitative study which aims at conceptualising digitalisation anxiety. The increasing spread of digital technologies has consequences for how we live, work, and …

verfasst von:
Katharina F. Pfaffinger, Dr. Julia A. M. Reif, Apl. Prof. Dr. Erika Spieß, Dr. Rita Berger


Entrepreneurial alertness and business model innovation: the role of entrepreneurial learning and risk perception

Although business model innovation has received increasing attention in recent years, there are gaps in existing literature concerning why innovation occurs. Drawing on the intentions model and knowledge-based view, this study explores the …

verfasst von:
Wenhong Zhao, Te Yang, Karen D. Hughes, Yixin Li


BLE-Based Authentication Protocol for Micropayment Using Wearable Device

Rapid growth of global wearable device market within the last 5 years shows the tremendous interest of modern society on environmental sensing technology to develop intelligent and convenient services for human beings. Wearable devices like smart …

verfasst von:
Nai-Wei Lo, Alexander Yohan


The optimal pricing decisions for e-tailers with different payment schemes

Along with the quick development of e-commerce, different payment schemes are provided to online consumers to improve their shopping experience. Currently, the payment schemes can be divided into two categories, one is pay-to-order, and the other …

verfasst von:
Jing Zhang, Na Xu, Shizhen Bai


The Role of Mobile Payment Technology in Sustainable and Human-Centric Development: Evidence from the Post-Demonetization Period in India

Mobile payment technology has aided in socio-economic development through financial inclusion and protective security during crises. However, there is a gap in understanding whether this technology has the potential for sustainable development …

verfasst von:
Abhipsa Pal, Rahul De’, Tejaswini Herath

07.01.2020 | Schwerpunkt

IT-Outsourcing im E-Commerce: Ein schwerwiegender Managementfehler?

Unternehmen betrachten ihre IT bis heute überwiegend als Kostenfaktor. Der Trend zum Outsourcing ist daher auch im E‑Commerce-Umfeld ungebrochen. Zwar lassen sich kurzfristig Einsparungen erzielen. Dass mittel- bis langfristig jedoch …

verfasst von:
Martin Menz

11.12.2019 | Original Article

Service quality factors affecting customer attitudes in online-to-offline commerce

In an online-to-offline (O2O) environment, a company operates multiple channels: online, mobile, and offline. A company attracts customers and triggers payments online or via mobile, and then leads customers to an offline store to receive the …

verfasst von:
Yunji Moon, Deborah J. Armstrong

Open Access 01.12.2019 | Research

Trusted service manager (TSM) based privacy preserving and secure mobile commerce framework with formal verification

Mobile contactless payment (MCP) is the future technology that is used for mobile payments, mobile wallet, transportation, and for mobile coupons. Existing solutions in this realm do not ensure end-to-end communication, information privacy, and …

verfasst von:
Shaik Shakeel Ahamad, Al-Sakib Khan Pathan


The microeconomics of mobile payments

In this paper, a Kranzberg [32] - Lancaster [34] approach is employed to investigate the microeconomics of mobile payment methods. The adoption of these technical innovations depends, among others, on the acceptance by consumers that can be …

verfasst von:
Aloys Prinz

01.12.2019 | IT

Kontaktloses Bezahlen ist heiß umkämpft

Komfort und Sicherheit sind an der Kasse im stationären Handel besonders wichtig. Immer mehr Verbraucher bevorzugen kontaktlose Verfahren via Near Field Communication (NFC). Auch das Smartphone wird gerne statt der Geldbörse gezückt.

verfasst von:
François Baumgartner

22.11.2019 | Original Paper

Explaining the intention to use social trading platforms: an empirical investigation

The enormous rise of financial technology companies has greatly challenged traditional financial institutions. One emerging innovation is “social trading” (ST), which combines the advantages of social networks and delegated trading. ST platforms …

verfasst von:
Riccardo Reith, Maximilian Fischer, Bettina Lis


Better Realization of Mobile Cloud Computing Using Mobile Network Computers

In this paper, we first briefly explain why mobile network computers should be used as mobile terminals based on the concept of mobile network computer and cloud computing. Then, we illustrate the related aspects of cloud computing including …

verfasst von:
Zhaoming Guo, Xincheng Ren, Feng Ren

26.10.2019 | Regular Paper

Efficient community discovery with user engagement and similarity

In this paper, we investigate the problem of (k,r)-core which intends to find cohesive subgraphs on social networks considering both user engagement and similarity perspectives. In particular, we adopt the popular concept of k-core to guarantee …

verfasst von:
Fan Zhang, Xuemin Lin, Ying Zhang, Lu Qin, Wenjie Zhang


A distributed intelligent mobile application for analyzing travel big data analytics

Data mining and data analytics is promptly growing filed due to the incredible development of Big-Data. One of the financial supporting and economic strength of any government industries is tourist and development. This paper motivated to provide …

verfasst von:
L. Maria Michael Visuwasam, D. Paul Raj


The value of offline channel subsidy in bricks and clicks: an O2O supply chain coordination perspective

This paper aims to explore a rarely studied mutual promotional effects, operational strategies and cross-channel subsidy policies in a two-stage/two-player online-to-offline (O2O) supply chain. The centralized, decentralized and coordination …

verfasst von:
Zhisong Chen, Li Fang, Shong-Iee Ivan Su

22.10.2019 | Original Article

The impact of mobility, risk, and cost on the users’ intention to adopt mobile payments

With the development of mobile communication technology and the wide application of intelligent devices, mobile payments with great commercial potential have been born. However, the penetration rate of mobile payment is not satisfactory. In order …

verfasst von:
Yong Liu, Meng Wang, Danyu Huang, Qiang Huang, Hua Yang, Zhigang Li

11.10.2019 | Open Forum

“Intelligent” finance and treasury management: what we can expect

Artificial intelligence poses a particular challenge in its application to finance/treasury management because most treasury functions are no longer physical processes, but rather virtual processes that are increasingly highly automated. Most …

verfasst von:
Petr Polak, Christof Nelischer, Haochen Guo, David C. Robertson

01.10.2019 | Sales & Science

Von den Großen lernen und eigene Wege gehen

Auch wenn der Kunde immer weniger fassbar erscheint, digitale Instrumente eröffnen ein nie dagewesenes Potenzial: Mit klug gewählten, konsequent umgesetzten Kundenbindungsstrategien lässt sich der Vertrieb nachhaltig optimieren.

verfasst von:
Dr. Anabel Ternès


An Effective Feature Descriptor with Gabor Filter and Uniform Local Binary Pattern Transcoding for Iris Recognition

With the development of the Internet and Biometrics, people’s lives become more and more intelligent and convenient. Authentication by biometric verification is becoming increasingly common in security application such as access control, social …

verfasst von:
Guang Huo, Huan Guo, Yangrui Zhang, Qi Zhang, Wenyu Li, Bin Li

01.09.2019 | Praxisfall

Ein Restaurant bietet modernes Bezahlen an

Die Gastronomie-Familie Hubert betreibt deutschlandweit vier Restaurants. Bald soll ein weiteres am Frankfurter Flughafen hinzukommen. Vorab ist zu klären, wie die internationalen Gäste dort ihre Rechnungen begleichen können.

verfasst von:
Tobias Hohberger

17.08.2019 | Conceptual/Theoretical Paper

Emerging market innovations: unique and differential drivers, practitioner implications, and research agenda

Growth in emerging markets is critical as it leads global economic growth. Emerging market innovations, which we define as innovations created in an emerging market for use by consumers or customers in that market and possibly other markets, form …

verfasst von:
Venkatesh Shankar, Unnati Narang

06.08.2019 | Research Article - Computer Engineering and Computer Science

A Deep Camouflage: Evaluating Android’s Anti-malware Systems Robustness Against Hybridization of Obfuscation Techniques with Injection Attacks

The threats facing smartphones have become one of the most dangerous cyberspace threats; therefore, many solutions have been developed in the commercial or academic domain to address these threats. This paper aims to test the defence robustness of …

verfasst von:
Khaled Bakour, Halil Murat Ünver, Razan Ghanem

05.08.2019 | Original Article

Big data analysis of e-commerce loan risk of college students in the context of network finance

With the continuous development of e-commerce industry, China’s modern supply chain management field has to a certain extent and realistically achieved relatively good conditions for development. Based on the theoretical analysis of industrial …

verfasst von:
Sun Haitao

Open Access 05.08.2019 | Review Paper

Technology readiness: a meta-analysis of conceptualizations of the construct and its impact on technology usage

The technology readiness (TR) index aims to better understand people’s propensity to embrace and use cutting-edge technologies. The initial TR construct considers four dimensions—innovativeness, optimism, insecurity, and discomfort—that …

verfasst von:
Markus Blut, Cheng Wang

31.07.2019 | Original Paper

Hybrid Harvesting Strategies to Overcome Resource Constraints: Evidence from Social Enterprises in Kenya

Hybrid organisations combine different elements from the for-profit and non-profit domains, and they usually operate in a resource-scarce environment. For these reasons, they continuously face various resources constraints, yet their hybrid nature …

verfasst von:
Giacomo Ciambotti, Matteo Pedrini


An efficient anonymous remote attestation scheme for trusted computing based on improved CPK

The platform remote attestation (RA) is one of the main features of trusted computing platform proposed by the trusted computing group (TCG). The privacy certificate authority (CA) solution of RA requires users to pay for multiple certificates …

verfasst von:
Yu Fajiang, Chen Jing, Xiang Yang, Zhu Jiacheng, Zhao Yangdi

04.07.2019 | Original Article

Disruptive innovation of cryptocurrencies in consumer acceptance and trust

Cryptocurrencies have the potential to become a disruptive innovation because they define a new paradigm: the decentralization of trust in secure electronic transactions without the need for a central control authority. Cryptocurrencies arouse …

verfasst von:
Julio C. Mendoza-Tello, Higinio Mora, Francisco A. Pujol-López, Miltiadis D. Lytras

02.07.2019 | Long Paper

A confirmatory factor analysis of the behavioral intention to use smart wellness wearables in Malaysia

Wearable technology refers to the next generation of the digital revolution that connects items with embedded sensors to the Internet so as to enhance the quality of human life. Wearables have shifted the focus of the healthcare sector toward …

verfasst von:
Naghmeh Niknejad, Ab Razak Che Hussin, Imran Ghani, Fatemeh Ashraf Ganjouei


Application of combined kernel function artificial intelligence algorithm in mobile communication network security authentication mechanism

Security threats, security requirements, and adopted security policies in the new mobile environment have changed. As a key issue in the development of mobile communication, the mobile communication network security authentication mechanism has …

verfasst von:
Zhongru Wang, Binxing Fang

05.06.2019 | Original Paper

What’s in an App? Investigating the Moral Struggles Behind a Sharing Economy Device

In recent years, the sharing economy (SE) has attracted considerable attention, both scholarly and popular, relating to its capacity to enforce or undermine extant economic conventions. However, the process through which technological developments …

verfasst von:
Mireille Mercier-Roy, Chantale Mailhot

01.06.2019 | SPECIAL

Apple Pay setzt neue Maßstäbe

Geldhäuser müssen sich entscheiden, ob sie plattformgebundene Wettbewerber oder starke Technologiepartner sein wollen. Das betrifft unter anderem den Umgang mit dem mobilen Bezahldienst von Apple.

verfasst von:
François Baumgartner


Factors affecting consumers’ mobile payment behavior: a meta-analysis

Mobile payment is quickly changing consumers’ spending patterns and payment habits. Many empirical studies have been conducted globally in the last decade about consumers’ mobile payment behavior. To analyze and synthesize the findings, a …

verfasst von:
Zhunzhun Liu, Shenglin Ben, Ruidong Zhang

06.03.2019 | Transportation Engineering

Social Factors Influencing the Choice of Bicycle: Difference Analysis among Private Bike, Public Bike Sharing and Free-Floating Bike Sharing in Kunming, China

The emergence of free-floating bike sharing (FFBS) has made essential changes in urban bicycle travel. In order to explore the differences of travel behavior among private bicycle (PB), public bicycle sharing (PBS) and FFBS, a survey was conducted …

verfasst von:
Xuefeng Li, Yong Zhang, Mingyang Du, Jingzong Yang


Toward a theory of affordable loss

Although dozens of empirical studies have been published on effectuation as a whole, much work remains to be done on elaborating each principle in more depth. Based on an exploratory study of seven ventures from the Caribbean island of Curacao …

verfasst von:
Richard A. Martina


White-Box Cryptography: Don’t Forget About Grey-Box Attacks

Despite the fact that all current scientific white-box approaches of standardized cryptographic primitives have been publicly broken, these attacks require knowledge of the internal data representation used by the implementation. In practice, the …

verfasst von:
Estuardo Alpirez Bock, Joppe W. Bos, Chris Brzuska, Charles Hubain, Wil Michiels, Cristofaro Mune, Eloi Sanfelix Gonzalez, Philippe Teuwen, Alexander Treff

01.02.2019 | IT

Kunden sicher wiedererkennen

Passwörter und Zahlencodes muss sich heutzutage kein Kunde mehr merken. Smarte Geräte scannen den Fingerabdruck oder das Gesicht ihres Benutzers und können unerlaubte Zugriffe sowie fehlerhafte Eingaben verhindern. 

verfasst von:
Christian Kemper


Understanding information system success model and valence framework in sellers’ acceptance of cross-border e-commerce: a sequential multi-method approach

As cross-border e-commerce becomes more popular among global consumers and more important to global trade, there is a growing need for e-commerce research that explores the factors contributing to the success of global electronic markets. Yet …

verfasst von:
Yi Cui, Jian Mou, Jason Cohen, Yanping Liu


Mobile learning technology acceptance in Saudi Arabian higher education: an extended framework and A mixed-method study

This article reports a two-phase study with (1) an extended framework on mobile learning technology acceptance, and (2) a mixed-method research investigating college students on the use and embracement of mobile learning technology acceptance in …

verfasst von:
Talal Alasmari, Ke Zhang

03.12.2018 | Original Article

The construction and simulation of internet financial product diffusion model based on complex network and consumer decision-making mechanism

Nowadays, Internet financial products, like Internet banking service and e-payment, have permeated into every corner of civil life in China. Via the Internet and media, consumers can obtain big data and information of financial products. Consumer …

verfasst von:
JingMing Zhang, ShuZhen Zhu, Wei Yan, ZhiPeng Li

Open Access 01.12.2018 | Research

Mobile payment in Fintech environment: trends, security challenges, and services

Due to recent developments in IT technology, various Fintech technologies composing of finance and technology are being developed. Especially, because of rapidly growing online market and supply of mobile devices, the need for mobile Fintech …

verfasst von:
Jungho Kang

Open Access 01.12.2018 | Research

Weak signal detecting of industry convergence using information of products and services of global listed companies - focusing on growth engine industry in South Korea -

The [World Economic Forum 2016, Accessed 5 Aug 2017] predicted that the world would face the Fourth Industrial Revolution which means innovative changes through convergence …

verfasst von:
Lee-Nam Kwon, Jun-Hwan Park, Yeong-Ho Moon, Bangrae Lee, YoungHo Shin, Young-Kuk Kim


Fraud detection within bankcard enrollment on mobile device based payment using machine learning

The rapid growth of mobile Internet technologies has induced a dramatic increase in mobile payments as well as concomitant mobile transaction fraud. As the first step of mobile transactions, bankcard enrollment on mobile devices has become the …

verfasst von:
Hao Zhou, Hong-feng Chai, Mao-lin Qiu

01.12.2018 | Strategie

Wo Geldhäuser Grenzen überwinden

Digitale Konzepte verändern Finanzdienstleistungen grundlegend. Traditionelle Anbieter kommen beim Wandel kaum mehr nach, etwa im Zahlungsverkehr oder bei der automatisierten Kreditvergabe. Aus den USA, Schweden und Polen kommen einige Erfolg versprechende Modelle.

verfasst von:
Anja Kühner

01.12.2018 | Bankmagazin-Gespräch

"Wir haben bereits jetzt einen globalen Fußabdruck"

Alexander von Knoop, Chief Financial Officer von Wirecard, über die Folgen des Aufstiegs in den Deutschen Aktienindex, die Bedeutung von Kundendaten und die Skepsis der Konsumenten hierzulande.

verfasst von:
Christian Kemper, Angelika Breinich-Schilly

22.11.2018 | Methodologies and Application

What are the most influential factors of consumers’ intention to use NFC-enabled credit cards?

The aim of this study is to determine the variables which affect the intention of Near-Field Communication (NFC)-enabled mobile credit card usage by estimating a fuzzy linear regression (FLR) model. The FLR model is used to test the proposed …

verfasst von:
Feride Bahar Kurtulmuşoğlu, Ayhan Algüner, Kumru D. Atalay

12.11.2018 | Conceptual/Theoretical Paper

Driving growth of Mwallets in emerging markets: a retailer’s perspective

The technology growth and evolving customer expectations in emerging markets have led firms to search for strategic tools to engage customers. The digital payment industry has seen the emergence of a new mobile-based service called Mwallet: a …

verfasst von:
V. Kumar, Nandini Nim, Amalesh Sharma

01.11.2018 | Strategie

Geld kommt immer schneller an

Neue Technologien verändern das Bezahlen im stationären Handel und beim Shoppen im Web. Banken und Sparkassen könnten dadurch Kunden verlieren. Doch dank Instant Payments soll der direkte Kontakt erhalten bleiben.

verfasst von:
Elke Pohl

Open Access 27.09.2018 | Research Article

Effective Crowd Anomaly Detection Through Spatio-temporal Texture Analysis

Abnormal crowd behaviors in high density situations can pose great danger to public safety. Despite the extensive installation of closed-circuit television (CCTV) cameras, it is still difficult to achieve real-time alerts and automated responses …

verfasst von:
Yu Hao, Zhi-Jie Xu, Ying Liu, Jing Wang, Jiu-Lun Fan


Factors Affecting Retailer’s Adopti on of Mobile Payment Systems: A SEM-Neural Network Modeling Approach

The development of mobile commerce depends on extensively accepted mobile payment (MP) systems. Even though new MP methods have been gradually induced in the market, but their adoption has stayed modest. Little research has been conducted to …

verfasst von:
Ali Nawaz Khan, Ahsan Ali


Enhanced signature RTD transaction scheme based on Chebyshev polynomial for mobile payments service in IoT device environment

The union of near-field communication (NFC) and mobile devices has led to significant changes in payment systems over recent years. Currently, NFC-based services are the leading form of mobile payment method. In particular, many companies that use …

verfasst von:
Sung-Wook Park, Im-Yeong Lee

01.09.2018 | SPECIAL Sicherheit

Unbefugte greifen zu

Verbraucher schauen im Alltag immer öfter auf ihr Smartphone. Auch der schnelle Check des Bankkontos ist unterwegs kein Problem mehr. Doch Experten haben Zweifel an der Sicherheit von Apps und fordern mehr Schutz.

verfasst von:
Barbara Bocks

01.09.2018 | Bankwirtschaft

Banken und Sparkassen machen mobil

Konsumenten nutzen Smartphones verstärkt, um den Kontostand zu checken, Beträge zu überweisen, sich über Produkte zu informieren und Abschlüsse zu tätigen. Auch Geldhäuser wissen das. Sie stellen Anwendungen bereit, mit denen Kunden Transaktionen …

verfasst von:
Tobias Hohberger

31.08.2018 | Schwerpunkt

FinTechs – Eine Analyse des Marktes und seines Bedrohungspotenzials für etablierte Finanzdienstleister

Kryptowährungen, die Blockchain-Technologie sowie verschiedene Neuerungen im Bereich der geltenden Richtlinien für Finanzdienstleister haben eine Vielzahl neuer Geschäftsmodelle und Unternehmen, sogenannte FinTechs, hervorgebracht. Diese FinTechs …

verfasst von:
Sebastian Reinig, Katharina Ebner, Stefan Smolnik


A Survey of Android Mobile Phone Authentication Schemes

The Android operating system is the most popular mobile operating system resulting in a great number of applications being developed for the platform. This makes them vulnerable to security threats such as social engineering, shoulder surfing and …

verfasst von:
Douglas Kunda, Mumbi Chishimba


Internet of Things: information security challenges and solutions

Keeping up with the burgeoning Internet of Things (IoT) requires staying up to date on the latest network attack trends in dynamic and complicated cyberspace, and take them into account while developing holistic information security (IS) …

verfasst von:
Natalia Miloslavskaya, Alexander Tolstoy

17.07.2018 | S.I. : Machine Learning Applications for Self-Organized Wireless Networks

Parallel and incremental credit card fraud detection model to handle concept drift and data imbalance

Real-time fraud detection in credit card transactions is challenging due to the intrinsic properties of transaction data, namely data imbalance, noise, borderline entities and concept drift. The advent of mobile payment systems has further …

verfasst von:
Akila Somasundaram, Srinivasulu Reddy


A Novel Authentication Management RFID Protocol Based on Elliptic Curve Cryptography

The existing RFID (Radio Frequency Identification) security protocol lacks the key establishment mechanism, assuming only that both parties of the authentication protocol have shared their respective session keys. However, key establishment is an …

verfasst von:
Guoliang Liu, Huichuan Zhang, Fanyue Kong, Lei Zhang

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