by Shek Wong. / Thesis submitted in: December 1997. / Thesis (M.Phil.)--Chinese University of Hong Kong, 1998. / Includes bibliographical references (leaves 90-[94]). / Abstract also in Chinese. / Chapter 1 --- Introduction --- p.1 / Chapter 1.1 --- Electronic Commerce --- p.3 / Chapter 1.2 --- Electronic Cash --- p.7 / Chapter 1.3 --- What This Report Contains --- p.9 / Chapter 2 --- Cryptographic Background --- p.11 / Chapter 2.1 --- Euler Totient Function --- p.12 / Chapter 2.2 --- Fermat's Little Theorem --- p.12 / Chapter 2.3 --- Quadratic Residues --- p.12 / Chapter 2.4 --- Legendre Symbol --- p.13 / Chapter 2.5 --- Jacobi Symbol --- p.14 / Chapter 2.6 --- Blum Integer --- p.16 / Chapter 2.7 --- Williams Integer --- p.18 / Chapter 2.8 --- The Quadratic Residuosity Problem --- p.19 / Chapter 2.9 --- The Factorization Problem --- p.20 / Chapter 2.10 --- The Discrete Logarithm Problem --- p.20 / Chapter 2.11 --- One-way Functions --- p.21 / Chapter 2.12 --- Blind Signature --- p.22 / Chapter 2.13 --- Cut-and-choose Methodology --- p.24 / Chapter 3 --- Anatomy and Panorama of Electronic Cash --- p.26 / Chapter 3.1 --- Anatomy of Electronic Cash --- p.26 / Chapter 3.1.1 --- Three Functions and Six Criteria --- p.28 / Chapter 3.1.2 --- Untraceable --- p.29 / Chapter 3.1.3 --- Online and Off-line --- p.30 / Chapter 3.1.4 --- Security --- p.32 / Chapter 3.1.5 --- Transferability --- p.33 / Chapter 3.2 --- Panorama of Electronic Cash --- p.34 / Chapter 3.2.1 --- First Model of Off-line Electronic Cash --- p.34 / Chapter 3.2.2 --- Successors --- p.35 / Chapter 3.2.3 --- Binary Tree Based Divisible Electronic Cash --- p.36 / Chapter 4 --- Spending Limit Enforced Electronic Cash --- p.37 / Chapter 4.1 --- Introduction to Spending Limit Enforced Electronic Cash --- p.37 / Chapter 4.2 --- The Scheme --- p.41 / Chapter 4.3 --- An Example --- p.44 / Chapter 4.4 --- Techniques --- p.47 / Chapter 4.5 --- Security and Efficiency --- p.51 / Chapter 5 --- Interest-bearing Electronic Cash --- p.53 / Chapter 5.1 --- Introduction to Interest-bearing Electronic Cash --- p.53 / Chapter 5.2 --- An Example --- p.55 / Chapter 5.3 --- The Scheme --- p.55 / Chapter 5.4 --- Security --- p.57 / Chapter 5.5 --- An Integrated Scheme --- p.58 / Chapter 5.6 --- Applications --- p.59 / Chapter 6 --- Abacus Type Electronic Cash --- p.61 / Chapter 6.1 --- Introduction --- p.61 / Chapter 6.2 --- Abacus Model --- p.63 / Chapter 6.3 --- Divisible Abacus Electronic Coins --- p.66 / Chapter 6.3.1 --- Binary Tree Abacus Approach --- p.66 / Chapter 6.3.2 --- Multi-tree Approach --- p.57 / Chapter 6.3.3 --- Analysis --- p.69 / Chapter 6.4 --- Abacus Electronic Cash System --- p.71 / Chapter 6.4.1 --- Opening Protocol --- p.71 / Chapter 6.4.2 --- Withdrawal Protocol --- p.74 / Chapter 6.4.3 --- Payment and Deposit Protocol --- p.75 / Chapter 6.5 --- Anonymity and System Efficiency --- p.78 / Chapter 7 --- Conclusions --- p.80 / Chapter A --- Internet Payment Systems --- p.82 / Chapter A.1 --- Bare Web FORM --- p.82 / Chapter A.2 --- Secure Web FORM Payment System --- p.85 / Chapter A.3 --- Membership Type Payment System --- p.86 / Chapter A.4 --- Agent Based Payment System --- p.87 / Chapter A.5 --- Internet-based POS --- p.87 / B Papers derived from this thesis --- p.89 / Bibliography --- p.90

ENGLISH ABSTRACT: South Africans have over the past few years called for more affordable banking. Some retailers have looked at the opportunities and entered into the financial services space. The question remains as to why consumers would want to pay bank charges to have a bankcard when the card is actually used to pay for goods at retailers who can deliver the service themselves at a saving to both the customer and the retailer? The aim of this study was to determine customer expectations for a bankcard service offering in the South African food and retail industry with the emphasis on consumer behaviour and expectations, bankcards, services and SERVQUAL. This is a SERVQUAL application and a comprehensive literature of this topic is followed with a questionnaire outlining the expectations for such a service. SERVQUAL measures the gap between expectations and perceptions. In this study only expectations are measured as one of South Africa’s major food retailers was used and they do not offer this service at present. Various hypotheses were constructed to measure the expectations for attributes around this service. The attributes were trust, safety, cost, loyalty, open-loop versus closed-loop and mobile. Customer preference on payment methods was also determined when paying for different basket sizes. The results showed overwhelming evidence in favour of expectations for a bankcard service offering by retailers. This research can be used to address the major challenge South Africans and retailers face with high banking charges and address the challenge everyone has with regards to the risk associated with cash handling. Education on this topic is paramount and this could further pave the way for mobile phones replacing bankcards in the future which have also been researched as part of this topic. Further research is necessary to determine the characteristics of a bankcard product in a retail environment.

Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references.

Thesis (M.A.)--University of Hong Kong, 1999. / Includes bibliographical references. Also available in print.

by Li Chun-Kit Patrick. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1996. / Includes bibliographical references (leaves [87-90]). / ACKNOWLEDGEMENT --- p.ii / ABSTRACT --- p.iii / TABLE OF CONTENTS --- p.vi / LIST OF TABLES --- p.viii / INTRODUCTION --- p.1 / LITERATURE REVIEW - DEVELOPMENT OF SMART CARD --- p.4 / Terminology --- p.4 / General Application of Smart Card --- p.6 / DESCRIPTION OF MONDEX --- p.14 / History of Mondex --- p.14 / Description of Mondex and Its Accessories --- p.16 / Advantages of Mondex --- p.20 / Disadvantages of Mondex --- p.22 / COMPETITOR ANALYSIS --- p.24 / Maestro --- p.25 / Credit Card --- p.27 / Electronic Payment System (EPS) --- p.29 / RESEARCH METHODOLOGY --- p.35 / Research Objective --- p.35 / Research Design and Method --- p.36 / RESEARCH FINDINGS --- p.39 / Data analysis on the Whole Sample Basis --- p.39 / Data Analysis by Type of Adopter --- p.50 / RECOMMENDATION --- p.58 / Characteristics of Potential Adopters --- p.58 / Product --- p.59 / Promotion --- p.63 / LIMITATION --- p.70 / APPENDIX 1: DIAGRAMS / APPENDIX 2: CHINESE QUESTIONNAIRE / APPENDIX 3: ENGLISH QUESTIONNAIRE / APPENDIX 4: FIGURES / APPENDIX 5: TABLES / BIBLIOGRAPHY

by Tse Kwong Keung. / Pages 52-56 and 74 in clear holder. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1998. / Includes bibliographical references (leaf 99). / Questionnaries in English and Chinese. / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.ii / LIST OF ABBREVIATIONS --- p.v / LIST OF APPENDICES --- p.vi / LIST OF TABLES --- p.vii / LIST OF EXHIBITS --- p.ix / PREFACE --- p.x / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Title of the Project --- p.1 / Terms of Reference --- p.1 / Objective --- p.2 / Chapter II. --- BACKGROUND --- p.4 / Overview of the Octopus System --- p.4 / Overview of the Octopus System Bus Equipment --- p.6 / Fare collection system on LRT Feeder and Auxiliary Bus Routes --- p.9 / Pre-Octopus Fare Collection System --- p.9 / New Fare Collection System with the Introduction of Octopus System --- p.10 / Implementation Measures --- p.11 / Implementation Measures to Prepare Passengers to Use Octopus System on Buses --- p.11 / Implementation measures - CSL --- p.11 / Implementation measures - LRT --- p.13 / Implementation Measures to Prepare Staff to Launch Octopus System on Buses --- p.14 / Chapter III. --- METHODOLOGY --- p.16 / Sources of Information --- p.16 / The Questionnaire Surveys --- p.17 / Questionnaire Survey for LRT Bus Passengers --- p.17 / Questionnaire Survey for LRT Bus Traffic Staff --- p.18 / Data Analysis Tools --- p.19 / Chapter IV. --- FINDINGS --- p.20 / Literature Review --- p.20 / The Systems Development Cycle --- p.20 / The Systems Development Cycle of Octopus System in LRT Buses --- p.24 / Systems Implementation Measures Getting People Ready to Use the New System --- p.25 / Measures of gaining acceptance by passengers and staff --- p.26 / Measures of obtaining passengers and staff performance --- p.29 / Education and training --- p.30 / Performance aids --- p.32 / Findings from Questionnaire Survey for LRT Bus Passengers --- p.33 / Demographic Profile --- p.33 / Effectiveness of Promotion Channels on Octopus Card to Passengers --- p.33 / Number of Trips on LRT Buses Per Week by Respondents --- p.34 / Fare Paying Methods of Respondents --- p.34 / Competence of Respondents in Using Octopus Card on Buses --- p.35 / Most Effective Methods to Educate Passengers on Octopus Card Usage --- p.36 / Findings from Questionnaire Survey for LRT Bus Traffic Staff --- p.36 / Demographic Profile --- p.36 / Personal Computer Experience Prior to Octopus Bus Equipment Training --- p.37 / Evaluation of DDU Operations Training Course --- p.37 / Staff Perceived Level of Competence to Operate the DDU During Octopus System Launching --- p.38 / Measures Proposed by Staff to Enhance Competence to Operate the DDU --- p.39 / Evaluation of BDC Operations Training Course --- p.39 / Staff Perceived Level of Competence to Operate the BDC During Octopus System Launching --- p.40 / Measures Proposed by Staff to Enhance Competence to Operate the BDC --- p.41 / Chapter V. --- CONCLUSIONS AND RECOMMENDATIONS --- p.42 / Strengths of Implementation Measures on Passengers --- p.42 / Weaknesses of Implementation Measures on Passengers --- p.43 / Recommendations of Implementation Measures on Customers --- p.44 / Strengths of Implementation Measures on Staff --- p.46 / Weaknesses of Implementation Measures on Staff --- p.47 / Recommendations of Implementation Measures on Staff --- p.48 / APPENDICES 1-11 --- p.50 / TABLES 1-18 --- p.75 / EXHIBITS 1-6 --- p.93 / BIBLIOGRAPHY --- p.99

published_or_final_version / Transport Policy and Planning / Master / Master of Arts