-------------------------------------------------------------------ABSTRACT-------------------------------------------------------------------Payment transactions initiated through a mobile device are growing and security concerns must be addressed. People coming from payment card industry often talk passionately about porting ISO 9564 PIN standard based authentication in open-loop card payment...

Mobile payment adoption remains low. This paper presents a userstudy that evaluates whether providing digital receipts in-store to customers could drive mobile payment adoption. Our results reveal that although our smart phone based payment and digital receipt processes took up to 60% longer than getting paper receipts and paying with cash, users perceived the digital receipt approach as fun, u...

Mobile operators and mobile service providers like SMS aggregators and ticket providers have until now been the main actors in the provisioning of SMS tickets for public transportation services. The consumers have been charged for SMS payments using the mobile phone bill. Due to financial regulation (EU directive) mobile operators are no longer allowed to handle payments and transactions for no...

Mobile Payment Systems (MPS) such as Google Wallet are an emerging technology. This paper examines if mobile assurance as provided by examining the five criteria, namely security, availability, processing integrity, confidentiality and privacy (as per the Trust Framework by the American Institute of Certified Public Accountants (AICPA)) has any relationship with use of MPS. The theory used for ...

Nowadays, an in-app payment mechanism is offered in most existing mobile payment solutions. However, current solutions are not flexible and impose certain restrictions: users are limited to predefined payment options and merchants need to adapt their payment mechanisms to each payment provider they use. Ideally mobile payments should be as flexible as possible to be able to target various marke...

The mobile payment market is currently under transition with a history of numerous tried and failed solutions and a future of promising but yet uncertain possibilities with contactless RFID and other new potential technologies. At this point of the development we take a look at the current state of the mobile payment market, review prior literature on mobile payment services, analyze the differ...

In recent years, increasing use of mobile devices and the emergence of new technologies have changed mobile commerce and mobile payment in all over the world. Although many attempts have been made to implement secure mobile payment systems and services, growing forgery, fraud and other related electronic crimes as well as security attacks and threats prove the necessity of paying special attent...

A prerequisite to carry out transactions using a mobile phone is an effective mobile payment system. However, no standardised, widely adopted mobile payment system has yet emerged, and this is believed to be one of the factors that inhibits widespread use of mobile commerce. This paper reports on a research project in which the factors are examined that affect the introduction success of mobile...

Pandemic risks create a lot of worries for consumers when making purchase transactions. When the need product increases even though movement restrictions are still enforced by government, existence mobile payments is one solutions offered to consumers. This research takes deeper look at behavior using during pandemic. study uses Smart PLS analysis tool process data that has been collected total...