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Thesis (Ph. D.)--University of Chicago, Dept. of Economics, March 2001. / Includes bibliographical references. Also available on the Internet.

The purpose of the study is to examine the challenges of digital payments, the risks they pose and the impact they have in society. Technology is constantly changing, companies need to keep in pace with technology in order to provide accurate and actual financial information. Therefore it is important to examine the digital transactions impact on accounting.The issue that has been chosen to be studied is to identify the challenges that banks and companies that provide digital payment solutions face and how they work with these challenges.The method that was chosen to achieve the study was the qualitative method and the empirical material were obtained by semistructured interviews. Six respondents participated in the study, four banks and two companies that provides digital payment solutions. The results are analysed with the help of previous research and chosen theoretical concepts of mobile payment, card payment, risks and safety, cost-effectiveness and acceptance of payment services.The result of the theoretical and empirical study implies that higher requirements are placed on banks and companies, they have to follow laws and directives in order to increase the security of digital payments. The study is in swedish. / Avsikten med studien är att undersöka de digitaliserade betalningssättens utmaningar, vilka risker de medför samt den inverkan de har i samhället. Tekniken förändras ständigt, därmed finns det ett behov av att företag håller jämna steg med digitaliseringen för att tillhandahålla korrekt och aktuell finansiell information. Därför finns det en väsentlig betydelse att undersöka de digitala transaktionernas inverkan på redovisning. Den problematik som har valt att studeras är vilka utmaningar som de digitaliserade betalningstjänsterna står inför samt hur banker och övriga företag som tillhandahåller digitala betalningslösningar arbetar med dessa utmaningar. Den valda metodansatsen är en kvalitativ metod och det empiriska materialet är insamlat av semistrukturerade intervjuer. I studien deltog sex respondenter, varav fyra banker samt två företag som tillhandahåller digitala betalningslösningar. Resultatet analyseras med hjälp av tidigare forskning och begreppen mobila betalningar, kortbetalningar, risker och säkerhet, kostnadseffektivitet samt acceptans av betalningstjänster. Teorin samt praktiken har medfört att det ställs högre krav på företag och banker, både från nationella samt internationella riktningar. Då de måste följa lagar och direktiv för att öka säkerheten kring digitaliserade betalningsalternativ.

Traditional authentication methods like Personal Identification Number (PIN) are getting obsolete and insecure for electronic-payments while mobile-payments are becoming more and more popular. Biometrics such as fingerprint and face recognition authentication methods seem to be a solution to this security issue as they are becoming a regular and integrated part of an average smartphone end-users purchase. However, for mobile-payments to be authenticated by biometrics, end-users acceptability of both technologies must be high. In this research, fingerprint and face recognition authentication methods are being tested with end-users and their current acceptability level is being determined based on interviews which are conducted upon finishing each testing scenario. The interview is using 39 questions which are determining previous usage of the technologies, their likeability, positives, negatives, and feelings about various features biometrics provide such as ease-of-use, stress-free method of payment, security, and many others. Additionally, one more authentication method is tested, namely two factor authentication consisting of one biometric method (fingerprint) and one traditional method (PIN) of authentication. The main goal for testing this method is to find out whether implementing (as currently it is not available) such technology into mobile-payments would be beneficial and how it scored in user-acceptance next to fingerprint and face recognition authentication methods. Once the user-acceptance level is determined the main reasons for it are presented. Last but not least, suggestions for improvements in this domain are presented so that biometrics are even more accepted by end-users who are performing mobile-payments on their smartphones.