commerce, is still at the start. In this paper, we propose an extension of existing mobile payment models to introduce an extended mobile payment service (EMPS) model, which is based on assumptions about the cooperation between mobile network operators and financial institutions to deal with different payment amounts ranging from micro to macro payment. The novel model focuses on enhancement of...

General contractors usually need to handle subcontractor’s payment requests periodically according to the progress of the construction project. The documents required for payment requests are related to various types of information generated from construction work items. Consequently, construction company needs to spend a lot of efforts to verify and approve the submitted documents in order to ...

The paper is devoted to methods for identifying payment plans and services by mobile operators which are the best for the given subscribers. We base our research on the model-theoretic approach to domain formalization. We use Formal Concept Analysis for processing the mobile subscriber data. An Ontological Model of the domain “Mobile Networks” is constructed in the scope of this research. The O...

This study examines the relationship between gender and the factors that determine the adoption of mobile payment system among the students of tertiary institutions in Nigeria. The researchers focused especially on examining how the influence of the predicting variables differs by gender of the users. Technology Acceptance Model (TAM) was used with two additional variables to form the conceptua...

Micro-payment systems are becoming an important part of peer-to-peer (P2P) networks. The main reason is to address the “free-rider” problem in most existing content sharing systems. To address this issue we have developed a new micro-payment system for content sharing in P2P networks called P2P-Netpay. This is an offline, debit based protocol that provides a secure, flexible, usable and reliabl...

Mobile payments still remain essentially an emerging technology, seeking to fill the gap between the envisioned potential and widespread usage. In this paper, we present an integrated mobile service solution based on the near field communication (NFC) protocol that was developed under a research project called MobiPag. The most distinctive characteristic of Mobipag is its open architectural mod...

This study aims to explore and model the central consumer perceptions that affect the decision of whether to use mobile payment systems. In particular, we study whether the Technology Acceptance Model (TAM) describing user acceptance of technology offers comprehensive explanation for consumer decisions related to adoption of mobile payments. This study is based on two rounds of focus group inte...

Background: This paper is an effort to analyze cashless payment vs Conventional system in India. The current study focuses on the challenges and threats faced by Indian consumer while using digital money. highlights buying patter of context conventional system. Methods: In theoretical model constructed reviewing different journals based as well evaluates factor effecting purchase decision light...