The evolvement of Fintech especially in digital payment services has affected many sectors Malaysia. Despite the various benefits offered by Fintech, adoption rate is still at nascent stage among IT savvy generation such as fresh graduates. Unified Theory Acceptance and Use Technology (UTAUT) Model been widely used to measure users’ technology acceptance. objective this study investigate applic...

Micro-payment systems have the potential to provide non-intrusive, high-volume and low-cost pay-as-you-use services for a wide variety of webbased applications. However, adding micro-payment support to web-sites is usually time-consuming and intrusive, both to the web site’s software architecture and its user interface implementation. We describe a plug-in, component model for adding micro-paym...

Micro-payment systems are becoming an important part of peer-to-peer (P2P) networks. The main reason for this is to address the “free-rider” problem in most existing content sharing systems. 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 reliable credit serv...

We study a family of network formation models to determine how payment rules affect the final network topologies that emerge. In our model a set of nodes starts out without any edges and the nodes must pay for the creation of edges using one of several different payment mechanisms. Example payment mechanisms include one node paying for the whole edge, and the cost being shared equally between t...

We use logit analysis to exploit a self-collected dataset on the payment and delivery options offered by the vast majority of B2C websites in 5 Central Asian transition economies. Specifically, we conduct a supply-side test of the Transaction Context Model, which highlights the role of perceived risk. Our results confirm that higher product risk increases the probability that e-retailers adopt ...

More than a century after Twain wrote his comments, what we now label “fee-for-service” has, as Twain lamented, continued as the dominant payment model in health care. However, the march toward value-based payment has started to change the system, and far more dramatic changes are on the horizon. The Affordable Care Act and payment reform are transforming the system back to Twain’s “old time cu...

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 ...

We study the ability of banks and merchants to influence the consumer’s payment instrument choice. Consumers participate in payment card networks to insure themselves against three types of shocks— income, theft, and their merchant match. Merchants choose which payment instruments to accept based on their production costs and increased profit opportunities. Our key results can be summarized as ...