This diploma thesis deals with the development of payments instruments, contactless technologies and instruments of contactless payments. This thesis describes intentions of card associations VISA and MasterCard in area contactless payments. It also contains a questionnaire survey, on the basis of which was carried out an evaluation and comparison with intentions associations. At the same was recommend of development for a provider of services in the area.

The research aims at reviewing how mobile phone producers in the EU are approaching individual obsolete phone collection from private households in terms of the information provided on their websites, in addition to the collective schemes that they may be part of for complying with the WEEE Directive. In this study, competitive benchmarking was used to differentiate the accessibility level of take-back offers among the selected producers. The availability of the take-back offer and the penetration rate in the EU states are examined into a five-level metrics. The results reveal that producers have extreme offers on the availability aspect and diverging information coverage in different countries. It is inferred that a producer’s attitude toward the product take-back affects the accessibility of their take-back offers, which can be explained by several economic concerns; however, different methods in future research is needed to further investigate the reasons behind different producers’ choices.

In recent times the usage of smart phones has significantly increased. Businesses are transforming to make more out of smart phones. As a consequence, there is an increasing demand to have more and more mobile applications. Among other areas, mobile applications are also being used to make financial transactions. Applications used for financial transactions need to be more reliable and have end-to-end security. To implement security we heavily depend on cryptography and the heart of cryptography is the keys which are used in cryptographic processes (encryption/decryption). Therefore, it is essential not only to protect, but also to properly manage these keys, so that a robust and secure system can be achieved. This research work provides a complete implementation of symmetric key management for mobile phone applications with a focus on financial data using a key hierarchy approach. We have developed a key management system which allows smart phones to download the cryptographic key hierarchy. This key hierarchy is used to encrypt and decrypt financial data, such as PIN and other transaction information. Using this application (key management system), we can achieve an end-to-end security between client (mobile phones) and payment server (banking server). This research work presents implementation of key management system for Android OS only.

Reliable forecasting models are needed to achieve the climate related goals in the face of increasing transport demand. Such models can predict the long-term behavioural response to policy interventions, including infrastructure investments, and thus provide valuable pre-dictions for decision makers. Contemporary forecasting models are mainly based on national travel surveys. Unfortunately, the response rates of such surveys have steadily declined, implying that the respondents become less representative of the whole population. A particular weakness is that it is likely that respondents with a high valuation of time are less willing to respond to surveys (because they have less time available for such), and therefore there is a high chance that they are underrepresented among the respondents. The valuation of time plays an important role for the cost benefit analyses of public policies including transport investments, and there is no reliable way of controlling for this uneven sampling of time preferences. Fortunately, there is simultaneously an increase in the number of signals sent between mobile phones and network antennae, and research has now reached the point where it is possible to determine not only the travel destination but also the travel mode based on mobile phone network antennae connections. The aim of this thesis is to investigate if and how mobile phone network data can be used to estimate transportation mode choice demand models that can be used for forecasting and planning. Key challenges with using this data source in the context of mode choice models are identified and met. The identified challenges include uncertainty in the choice variable, the difficulty to distinguish car and bus trips, and the lack of information about the trip purpose. In the first paper we propose three possible model formulations and analyse how the uncertainty in the choice outcome variable would play a role in the different model formulations. We also conclude that it is indeed possible to estimate mode choice demand models based on mobile phone network data, with good results in terms of behavioural interpretability and significance. In the second paper we estimate models using a nested logit structure to account for the difficulty in separating bus and car, and a latent class model specification to meet the challenge of having an unknown trip purpose. / <p><strong>Funding agencies:</strong> The research in this thesis has mainly been funded by the research projects DEMOPAN and DEMOPAN-2 within the research program Transportekonomi at The Swedish Transport Administration.</p>

The goal of this project is to create a mobile phone application, which can use phone camera to get a photography. This photography contains text, application has an ability to find a text, recognize all characters and send output as SMS. In this application there are implemented algorithms for text recognize from pictures based on Hidden Markovov Models. The particular stress is put on training of the model, to maximalise a succes of text recognition. There are some experiments model training with model variables, which are leading in better ability of text recognition. It was achieved a value of 97% succesfully recognized characters.

Mobile phones have become a natural part in our lives and with them, challenges and concerns rise. Mobile phones are designed to catch our attention, which equals unwanted distractions in many situations. Previous research is ambiguous as to in what situations mobile phones harm our attention and cause distraction. Therefore, the aim of this experiment was to examine whether the mere presence of a mobile phone or a mobile phone receiving a notification harms our attention while performing the Stroop Task Test. The experiment involved 19 participants, comprising 4 males and 15 females of various ages (M=38,84). A within-subject design experiment was used and the participants that took part in the experiment were exposed to three different conditions as they completed four rounds of the Stroop Task Test. The first and last condition was without a mobile phone, the second condition had a silent mobile phone laying in their field of vision, and in the third condition that same mobile phone received a text message notification. In order to examine the degree of distraction, this study looked at eye gaze towards the mobile phone, in addition to the response times during the test. Contrary to previous research the results of this study showed no significant difference in the participants' performance on the Stroop Task Test and eye gaze during the mobile phone conditions. This indicates that it is possible to maintain focus and attention on a cognitively demanding task for a limited time, despite the presence of someone else’s mobile phone receiving a notification. / Mobiltelefoner har blivit en naturlig del i våra liv och med dem följer även utmaningar och problematik. Mobiltelefoner är designade för att fånga vår uppmärksamhet, vilket leder till oönskade distraktioner i vissa situationer. Tidigare forskning är tvetydig om i vilka situationer mobiltelefoner påverkar vår uppmärksamhet negativt och orsakar distraktion. Därför var syftet med detta experiment att undersöka om blotta närvaron av en mobiltelefon eller en mobiltelefon som får en sms-avisering påverkar vår uppmärksamhet negativt när vi utför Stroop-testet. Experimentet involverade 19 deltagare, bestående av 4 män och 15 kvinnor i olika åldrar (M=38,84). En inomgruppsdesign användes och deltagarna som deltog i experimentet exponerades för tre olika betingelser när de genomförde fyra omgångar av Stroop-testet. Den första och sista betingelsen var utan mobiltelefon, den andra betingelsen hade en tyst mobiltelefon liggande i deras synfält, och under den tredje betingelsen fick samma mobiltelefon en sms-avisering. För att undersöka graden av distraktion undersöktes om deltagarnas ögonrörelser drogs mot mobiltelefonen, samt reaktionstiderna i Stroop-testet. I motsats till tidigare forskning visade resultaten av denna studie ingen signifikant skillnad i deltagarnas prestation i Stroop-testet och ögonrörelser under mobiltelefonbetingelserna. Detta indikerar att det är möjligt att behålla fokus och uppmärksamhet på en kognitivt krävande uppgift under en begränsad tid, trots närvaron av någon annans mobiltelefon som får en sms-avisering.

Water scarcity is a growing problem on Earth. One of the goals in Agenda 2030, whichall of the UN members adapted is to make clean water accessible by everyone and ensuresustainable water withdrawals. In order to take a step towards the solution, a companynamed Quandify has developed smart water meters to measure households’ water consumptionwhich can be installed by anyone.In this bachelor’s thesis, the author collaborates with Quandify to develop a proofof concept (POC) to investigate if it was possible to create a mobile phone applicationthat could help residents reduce their water consumption. The author uses state of artsuggestions in persuasive technology literature and usability heuristics for user interactiondesign and implements it into the application to increase the chance of user behaviourchange towards water consumption.The result is a mobile phone application where the users get inspiration and tips onhow to reduce their water consumption and lets the users see their water consumptionin real-time. The report also includes a small POC user study to rate the mobile phoneapplication with respect to usability heuristics.

I den här kvantitativa studien undersöks skillnaden i effektivitet och användarupplevelse mellan mobiltelefoner och datorer. Frågan är om effektiviteten och/eller användarens upplevelse kommer att påverkas om besökaren använder en mobiltelefon eller en dator för att utföra uppgifter på en e-handelswebbplats. I jakt på svar granskas tidigare forskning och teorier kring ämnena användbarhet, användarupplevelse och effektivitet. En jämförande forskningsdesign används där två olika webbshoppar studeras. För att undersöka effektivitet, studeras tid och använda klick, som behövs för att användaren ska kunna utföra sina uppgifter. Effektiviteten mäts genom strukturerade observationer. För att studera skillnaden i användarupplevelse genomförs strukturerade intervjuer. T-tester och värmekartor analyseras för att dra följande slutsatser. Effektiviteten påverkas inte av valet av enhetstyp men resultaten visar också att användarupplevelsen påverkas av valet av enhet. / In this quantitative study the difference in efficiency and user experience between mobile phones and computers are examined. The question is whether efficiency and/or the user's experience will be affected if the visitor uses a mobile phone or a computer to complete tasks on an e-commerce website. In search of answers, previous research and theories on the topics of usability, user experience and efficiency are reviewed. Acomparative research design is used where two different webshops are studied. To examine efficiency, time spent and clicks used, needed for the user to achieve their tasks is measured in structured observations. To study the difference in user experience, structured interviews are conducted. T-tests and heatmaps are analyzed to draw the following conclusions. Efficiency is not affected by the choice of device type but results also show that the user experience is affected by the choice of device.

Studien undersöker nomofobi, en förkortning av ‘no mobile phobia’, där individer upplever negativa känslor eller tankar då de finner sig utan sin mobiltelefon. Med mätinstrumentet Nomophobia Questionnaire (NMP-Q) som underlag utvecklades den svenska versionen NMP-Q-SE, som består av 19 påståenden. Explorativ faktoranalys visade att 64% av variansen i svaren förklarades av tre bakomliggande faktorer som namngavs; (1) att förlora tillgång till kommunikation, (2) att förlora tillhörighet och (3) att förlora tillgång till information och bekvämlighet med Cronbach’s α=.939, vilket gjorde instrumentet lämpligt för undersökning av nomofobi med hänsyn till validitet och reliabilitet. Statistisk analys av medelvärdet för de 220 deltagarna motsvarade en måttlig grad av nomofobi enligt klassificeringen, M=64.47, SD=24.267. Signifikanta skillnader mellan kön fanns i faktor 1, där kvinnor (M=30.75, SD=10.38) hade högre poäng än män (M=25.91, SD= 12.40), t(76.67)=2.573, p=0.012. Variansanalys visade att respondenter med högre utbildningsnivå (M=66.50, SD=23.59) uppvisade signifikant högre poäng än dem med lägre utbildningsnivå (M=57.89, SD=23.83) för totalpoäng samt faktor 2 och 3, p=0.02. Deltagarna med en högre daglig skärmtid uppvisade även signifikant högre totalpoäng NMP-Q-SE (M=70.28, SD=25.88) än de med lägre daglig användningstid av mobiltelefon (M=59.30, SD=21.41), t(218)=-3.439, p=0.01, vilket tyder på ett samband mellan ökad användningstid av mobiltelefon och försvårad nomofobi som bör undersökas vidare. / This study explores nomophobia, shortened for no mobile phobia, where an individual experiences negative thoughts or emotions in situations without limited or no access to their mobile phone. Based on the Nomophobia Questionnaire (NMP-Q), a Swedish version NMP- Q-SE was designed consisting of 19 items. Exploratory factor analysis identified three underlying factors of nomophobia explaining 64% of variance which were named; (1) losing access to communication. (2) losing connectedness and (3) losing access to information and convenience, with Cronbach's α=.939, thus proving the NMP-Q-SE an adequate instrument for exploring nomophobia with validity and reliability. Statistical analysis showed a mean NMP-Q-SE score for the 220 participants reflecting a moderate degree of nomophobia according to the classification, M=64.47, SD=24.267. Significant differences between sexes were found for factor 1, where women (M=30.75, SD=10.38) scored higher than men (M=25.91, SD= 12.40), t(76.67)=2.573, p=0.012. ANOVA results showed that participants with a higher level education (M=66.50, SD=23.59) scored significantly higher than their lower-level education counterparts (M=57.89, SD=23.83) in total scores and factors 2 and 3, p=0.02. There were significant differences in NMP-Q-SE total and factor scores between participants averaging a lower screen time (M=59.30, SD=21.41) and those higher (M=70.28, SD=25.88), t(218)=-3.439, p=0.01, indicating a relationship between extended phone usage time and more severe nomophobia which should be further examined.

Reliable forecasting models are needed to achieve the climate related goals in the face of increasing transport demand. Such models can predict the long-term behavioural response to policy interventions, including infrastructure investments, and thus provide valuable pre-dictions for decision makers. Contemporary forecasting models are mainly based on national travel surveys. Unfortunately, the response rates of such surveys have steadily declined, implying that the respondents become less representative of the whole population. A particular weakness is that it is likely that respondents with a high valuation of time are less willing to respond to surveys (because they have less time available for such), and therefore there is a high chance that they are underrepresented among the respondents. The valuation of time plays an important role for the cost benefit analyses of public policies including transport investments, and there is no reliable way of controlling for this uneven sampling of time preferences. Fortunately, there is simultaneously an increase in the number of signals sent between mobile phones and network antennae, and research has now reached the point where it is possible to determine not only the travel destination but also the travel mode based on mobile phone network antennae connections. The aim of this thesis is to investigate if and how mobile phone network data can be used to estimate transportation mode choice demand models that can be used for forecasting and planning. Key challenges with using this data source in the context of mode choice models are identified and met. The identified challenges include uncertainty in the choice variable, the difficulty to distinguish car and bus trips, and the lack of information about the trip purpose. In the first paper we propose three possible model formulations and analyse how the uncertainty in the choice outcome variable would play a role in the different model formulations. We also conclude that it is indeed possible to estimate mode choice demand models based on mobile phone network data, with good results in terms of behavioural interpretability and significance. In the second paper we estimate models using a nested logit structure to account for the difficulty in separating bus and car, and a latent class model specification to meet the challenge of having an unknown trip purpose. / <p><strong>Funding agencies:</strong> The research in this thesis has mainly been funded by the research projects DEMOPAN and DEMOPAN-2 within the research program Transportekonomi at The Swedish Transport Administration.</p>