Mobile Payment

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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.

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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).

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 …

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 …

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 …

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) …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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.

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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 …

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.

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 …

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 …

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 …

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 …

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. 

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 …

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 …

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 …

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 …

The [World Economic Forum 2016, https://www.weforum.org/events/world-economic-forum-annual-meeting-2016. Accessed 5 Aug 2017] predicted that the world would face the Fourth Industrial Revolution which means innovative changes through convergence …

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 …

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.

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.

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 …

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 …

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.

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 …

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 …

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 …

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.

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 …

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 …

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 …

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) …

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 …

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 …