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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
111

使用圖碼技術於行動商務平台 / Apply Picture Code to Commerce Application

何駿逸, Ho, Chun Yi Unknown Date (has links)
從過去的公元2000年所強調網路Dot Com時代來臨,資訊商務發展一路從電子錢包、電子商務、B2B、B2C、第三方支付、C2C、O2O..到近期的「行動支付」發展的角度上來看,因為網路的發達,無線網路覆蓋面積的增大,網路速度也不斷的提升,智慧型手機及行動裝置使用廣泛,讓整體消費市場由過去所重視的企業消費市場已大幅轉向重視個人的消費市場。 短短的這二、三年,因智慧型手機使用的普及,各種APP應用程式蓬勃發展,已徹底改變了人們的生活習慣,當人們想要獲取與傳遞資訊時,只要動動手指頭,馬上就可達成;相對的,人們對於智慧型手機行動裝置也越來越依賴。面對這一新的「動動手指頭的時代」發展與趨勢,加上個人消費者的使用與消費習慣改變,造就了消費市場巨幅的變化;企業更為爭取個人消費者的市場,作為企業競爭力之指標。從企業為爭取個人消費者的市場之發展趨勢來看,O2O (Online to Offline)更成為現代重要的營銷模式。 本研究的貢獻希望在於以便利商店繳交信用卡帳款為例得到之啟發,打造一個行動商務平台,藉由現代圖碼(Picture Code),即利用目前所常見使用的條碼,如:堆疊式二維條碼以及矩陣式二維條碼,結合現行還在開發之新技術,組合出更新,圖形更複雜且資料儲存量更大之圖碼當作介質,透過網路之連結,以現代資訊商務發展活動的應用模式為基礎,套用本研究之應用模型,作為對於個人使用者的身分驗證,以及個人消費者於現代資訊商務發展活動之「電子錢包」及「電子商務」、「第三方支付」乃至「C2C」在使用信用卡的應用上,透過使用智慧型手機或行動裝置,作為現代另一新的「行動支付」方法。同時,在完成商務交易活動後,又能結合O2O營銷模式,為使用或消費者個人帶來共多利益,也為商家創造出更多商機。 / From "Dot Com" network generation coming in 2000, the IT Business Development Activities from "Electronic Wallet", "e-commerce", "B2B", "B2C", "Third-party payment," "C2C", "O2O" to the recent "Mobile Payment" development, because the network developed, wireless network coverage area increases, network speed has also been improved, smart phones and mobile devices are popular, overall business market is focus on the individual consumer market now. In this three years, smart phones use a variety of APP applications, it really has completely changed people's habits. When people want to capture and transmit some information, it just need to “move your fingers” as soon as you can reach. Also, people become increasingly dependent on smart phones and mobile devices. Face with this new "move your fingers time” developments trends and consumers’ consumption habits change, enterprise all want to increase the individual consumers’ market share and also as a business Indicators competitiveness. O2O (Online to Offline, Offline to Online) business model is more and more important to enterprise in the future. This thesis investigates from a case study on credit card payment for bill in the convenience store to get an idea. Hope build up a mobile commerce platform and use the modern “Picture Code” that the current use of bar codes, such as Stacked 2D bar codes and two-dimensional matrix bar code and combined with the existing new technology still in development. The combination of updates, graphics and more complex and larger data storage capacity of the bar code to be the new “interface”. Based on all application connect within Internet, we try to implement for all application according to development and innovation from this paper that to be a customer’s ID verification and “mobile payment” new model. Meanwhile, after transaction successfully, integrate the O2O business model to create more benefit for customer and more business opportunity for enterprise.
112

Blippa dig till en sömlös handel! : En experimentell studie om hur digital teknik i den fysiska butiken höjer butiksupplevelsen / Tap your way to seamless commerce! : An experimental study on how digital technology in the physical store increases the store experience

Eklund, Emelie, Diliwi, Aweza Midia January 2019 (has links)
Bakgrund och problemdiskussion: Det råder en allmän oro rörande den fysiska butikens framtid. Ett paradigmskifte inom detaljhandeln innebär att den fysiska butiken, för att upprätthålla effektiva och lönsamma affärer, inte längre kan förlita sig på historiskt framgångsrika affärsmodeller och praxis. Istället anses teknik tillsammans med exceptionell service vara två av de viktigaste strategiska faktorerna, vilka kan komma att rädda den fysiska butikens existens. De företag som framgångsrikt lyckas konkurrera via tekniskt levererad service, kommer också långsiktigt att möta efterfrågan hos den digitala kunden. Syfte: Denna masteruppsats syftar till att undersöka vilken effekt som integrering av digitala tekniker i fysisk butik har på kundens upplevelse av butik. Studien ämnar även undersöka vilka faktorer som påverkar förhållandet mellan kundens upplevelse av butik och digital teknik. Metod: Syftet uppfylls genom att studera en faktisk butik, där en digital teknik, Near Field Communication (NFC), integrerats. Studien är i den bemärkelsen en fallstudie. Vidare har en experimentell forskningsdesign av kvalitativ karaktär anammats, där den empiriska datan huvudsakligen grundar sig i semistrukturerade konsumentintervjuer. Slutsats: En stor majoritet av respondenterna ansåg att den testade tekniken kunde få dem att handla i fysisk butik oftare. Följaktligen påvisar integrering av digital teknik i fysisk butik en positiv effekt på kundens upplevelse av butik, där integrering och användning av NFC-tekniken möjliggör en höjning av kundens upplevelse. Resultatet påvisar vidare att faktorer som flexibilitet, effektivitet, tillgänglighet, valmöjligheter, bekvämlighet, upplevd tid och energi samt generationstillhörighet påverkar förhållandet mellan kundens upplevelse av butik och digital teknik. / Background and problem discussion: There is a general concern about the future of the physical store. A paradigm shift in retail means that the physical store, in order to maintain efficient and profitable business, can no longer rely on historically successful business models and practices. Instead, technology together with exceptional service is considered to be two of the most important strategic factors, which may save the physical store's existence. Purpose: This master thesis aims to investigate the effect that integration of digital technologies in the physical store have on the customer’s experience of the store. The study also aims to investigate which factors affect the relationship between the customer's experience of the store and digital technology. Method: The purpose is fulfilled by studying one actual store, where one digital technology, Near Field Communication (NFC), has been integrated. In this sense, the study is a case study. Furthermore, an experimental research design of a qualitative nature has been adopted, where the empirical data is mainly based on semi-structured consumer interviews. Conclusion: A large majority of respondents felt that the tested technology could make them shop in a physical store more often. Consequently, the integration of digital technology into the physical store demonstrates a positive effect on the customer's experience of the store, where integration and use of the NFC technology enables an increase in the customer's experience. The result also shows that factors such as flexibility, efficiency, availability, IV choice, convenience, perceived time and energy and generation affiliation affect the relationship between the customer's experience and digital technology.
113

Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents

Bartoo, Debora S. 10 July 2013 (has links)
No description available.
114

Legal and regulatory aspects of mobile financial services

Perlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. | vi / Public, Constitutional and International Law / LLD
115

Legal and regulatory aspects of mobile financial services

Perlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked, underserved and underbanked persons via mobile phones. Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’ services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’ services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services are provided through ‘agents.’ Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile ‘airtime’-based Store of Value. The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed, in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric MFS rises to the ‘business of banking.’ An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be deemed ‘money’ in law. Consumer protection for MFS and payments generally through current statute, contract, and payment law and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in South African law is discussed. The legal and regulatory regimes in the European Union, Kenya and the United States of America are compared with South Africa. The need for a coordinated payments-specific law that has consumer protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a regulator for retail payments is recommended. The use of trust companies and trust accounts is recommended for protection of user funds. | vi / Public, Constitutional and International Law / LL. D.

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