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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...

For many goods and services, such as cellular-phone service and debit-card transactions, the marginal price of the next unit of service depends on past usage. As a result, consumers who are inattentive to their past usage may be aware of contract terms and yet remain uncertain about the marginal price of the next unit. I develop a model of inattentive consumption, derive equilibrium pricing whe...

Application of computation in many fields are growing fast in last two decades. Increasing on computation performance helps researchers to understand natural phenomena in many fields of science and technology including in life sciences. Computational fluid dynamic is one of numerical methods which is very popular used to describe those phenomena. In this paper we propose moving particle semi-im...

We live in a world which is increasingly electronic, particularly in terms of the global economy. However, the development of information and communication technology is also affecting personal finances. Far more people than ever before now have bank accounts, use cheque cards, credit cards, debit cards and ‘smart’ cards, and pay their bills by direct debit or standing order. Their accounts are...

People are increasingly leaving digital traces of their daily activities through interacting with their digital environment. Among these traces, financial transactions are of paramount interest since they provide a panoramic view of human life through the lens of purchases, from food and clothes to sport and travel. Although many analyses have been done to study the individual preferences based...

This paper discusses the design and implementation of a payment framework that is loosely based on the direct debit payment model. We define such payments as one in which customers can authorise merchants to bill them repeatedly for the provision of some service without further interaction with the customers being required. This paper aims to present a first working prototype of our periodical ...

Despite the advanced capabilities of the chip-enabled, debit and credit cards, fraud in payment transactions has not diminished it has shifted. The reason lies in the lack of a trusted communication path between the smartcard and the cardholder. More explicitly, because users have no means of verifying the authenticity of the Point-of-Sales (POS) terminal, they do not know how much they are abo...

These days smart cards are replacing traditional magnetic cards for payment transactions. One of the main reasons is the enhanced security capabilities built into a smart card. Most of the related works in smart card only concentrates on the single application such as network access control, prepaid phone card or debit card. With popularity in web technologies, there is a trend towards smart ca...

the purpose of this study is to assess the transaction cost of borrowing from non-governmental investment development funds which are established in less than a decade. transaction costs are considered as significant and limiting factors for micro-borrowers in using formal loans. the required data are provided by the investment developing support’s parent company using the stratified random sam...