Money attitudes modeled in the home are an important part of a child's economic socialization. Although not always labeled as such, earlier literature clearly addressed this type of child learning through observation, interaction, and direct familial involvement (Rettig, 1986). Families operate as one of society's most salient economic socializing agents as they provide environments conducive to human development, information networks, role models, and grants and exchanges (Rettig, 1983). The research reported here addresses the economic socialization of children and their money attitudes as emerging adults. The current study investigated the role of money attitudes (power, anxiety, and distrust) by examining their contribution to impulsive buying among college students. Building on the groundbreaking work of Roberts and Jones (2001), this research also examined credit use and debt avoidance as potential moderators between money attitudes and impulsive buying. Contrary to the way money attitudes have been modeled in previous research, this study found support indicating that the anxiety attitude scale was not an antecedent to impulsive buying. Instead the scale as originally created (Yamauchi & Templar, 1982) was found to consist of two highly correlated subscales, one conceptualized as an antecedent to impulsive buying and the other may be more appropriately modeled as a result of it. Secondly, when tested as moderators, although some of the interaction terms between the money attitudes and behaviors were significant, neither credit use nor debt avoidance was found to be a significant moderator. This indicates a potential need for further research on the relationship between this measure and impulsive buying. Clarification made in the research reported here between anxiety and compulsive buying provides an insight that money attitudes are not all the same. Evidence suggests that some attitudes are precursors to behavior while other attitudes may be the result of behavior. With the passage of time, the drive to seek anxiety relief through impulsive buying may unwittingly fold back to greater rather than less anxiety. Impulsive buying based on anxiety then becomes a belief in relief that is not real. The proposed new attitude-behavioral model acknowledges the difference in money attitudes, that some are best conceptualized as predictors of impulsive buying while others are better conceptualized as a by-product of the behavior. Using this model in future research will acknowledge the potential of a circular relationship between attitude-behaviors and attendant implications for helping individuals and families. For this study, data was collected from students attending ten universities, located mostly in the state of Utah. There were 709 respondents used in this study, substantially more than have been used in similar studies. Demographically, there was a representative mix of male and female respondents and a balanced mix of age groups with a slight shift toward older students. Demographic information also includes respondent's reported race, home state, age, year in school, and family income. In accordance with the research of Roberts and Jones (2001), using ordinary least squares regression, the unconstrained traditional model was tested. Regression analysis of impulsive buying was preformed on money attitudes (anxiety, power, and distrust), controlling for age, gender and income. Following the procedure that Aiken, West, Cohen and Cohen (2003) and Baron and Kenny (1986) outlined, the attitude-behavior relationships between money attitudes and impulsive buying for the potential effects of the two moderating variables-credit use and debt avoidance were also examined. In those models where a significant interaction effect was found, post-hoc analysis was used interpret the significant slope differences in the independent variables.

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The goal of the thesis is to analyze chosen electronic payment systems. The thesis is divided into two parts -- theoretical and practical. Theoretical part is dedicated to cover types of electronic payment system. Also is devoted to the issues of certain legal aspects that are common to all payment systems; defines the necessary concepts and business entities commonly encountered in the payment processing environment. Practical part focuses on the evaluation of usability, safety and usefulness for merchants mainly working with credit cards and particularly with alternative payment system like PayPal, iDEAL, Sofortbanking and Webmoney. Consider the advantages and disadvantages of certain payment systems. Describes the practical applicability of PCI DSS and 3-D Secure protocol.

[pt] O desenvolvimento de produtos e a correta distribuição aos segmentos de mercado são fatores fundamentais no processo de elaboração da estratégia de marketing das empresas a fim de proporcionar uma vantagem competitiva. Para isso, é essencial o perfeito entendimento das necessidades e desejos dos consumidores. Nessa dissertação, aplica-se a teoria de análise conjunta, com o objetivo de apontar o conjunto de características consideradas desejáveis pelos consumidores para a aquisição de cartões de crédito. O desenvolvimento do trabalho é composto de duas etapas: escolha dos atributos a serem avaliados pelos respondentes e análise dessa avaliação. Para escolher o conjunto de atributos a serem julgados foram realizadas entrevistas em profundidade e grupo de foco. A formação desse conjunto de estímulos foi desenvolvida utilizando-se o software SPSS 11.0 versão Windows. Em seguida, realizou-se a coleta de dados por meio de questionários, os quais foram enviados por correio eletrônico, sendo que alguns foram entregues pessoalmente. Por fim, também com o auxílio do software SPSS 11.0 versão Windows, o estudo atingiu seu objetivo, identificando o conceito de produto considerado mais adequado, fruto da combinação de estímulos que gerou maior nível de utilidade. / [en] The new product development and correct market segmentation are fundamental to define marketing strategy in order to provide a competitive advantage. To do this, the perfect understanding of customer needs is essential, too. In this research, the conjoint analysis theory is used with the objective of showing the group of characteristics understood as desirable by consumers to buy credit cards. This work is composed of two main basic steps: the choice of the attributes to be evaluated by the respondents and the analysis of this evaluation. The group of stimuli to be evaluated was chosen based on in-depth interviews and one focus group. The group of stimuli was developed using SPSS 11.0 software for Windows. Data collection was implemented with questionnaires sent by email. Some of them were handled personally. In the last step, also using the SPSS 11.0 software for Windows, this study reached its objective, identifying the concept of product considered the most adequate, as a result of the stimuli combination, which generated the highest utility level.

The use of credit cards has become a way of life in many parts of the world. Credit cards have also created many new opportunities for criminal activity. It is in this light that organizations such as VISA International have explored a variety of security alternatives by constantly reviewing security measures that may be applied to cards and devote considerable resources to the maintenance of security systems and programmes. These programmes mandated by the association, include uniform card standards, security standards for manufactures, embossing and encoding of cards, standards for mailing the cards and credit background investigations of applicants. These standards assist investigators in examining counterfeit cards and distinguish a counterfeit card from a genuine card. The constant reviewing of security features and methods by the association is to create a card that is technically difficult to alter or counterfeit. / Criminology / M.Tech. (Forensic Investigation)

The use of credit cards has become a way of life in many parts of the world. Credit cards have also created many new opportunities for criminal activity. It is in this light that organizations such as VISA International have explored a variety of security alternatives by constantly reviewing security measures that may be applied to cards and devote considerable resources to the maintenance of security systems and programmes. These programmes mandated by the association, include uniform card standards, security standards for manufactures, embossing and encoding of cards, standards for mailing the cards and credit background investigations of applicants. These standards assist investigators in examining counterfeit cards and distinguish a counterfeit card from a genuine card. The constant reviewing of security features and methods by the association is to create a card that is technically difficult to alter or counterfeit. / Criminology and Security Science / M.Tech. (Forensic Investigation)

As today, the traditional payment systems of cash, cheques and credit cards are being supplemented by electronic cheques, electronic credit card-based systems, and token-based systems, online security is of utmost importance and one of the biggest criteria used for evaluating electronic payment systems. Electronic payment systems must guarantee the essential security requirements: confidentiality, privacy, integrity, availability. authentication, non-repudiation as well as anonymity and trust. This paper compares the various payment systems (both traditional and electronic) available today mainly according to their security aspects. Secure processing can be accomplished including access controls and detection techniques, such as, encrypted communication channels, user and/or message authentication, symmetric and asymmetric encryption, digital certificates and firewalls. These effective security measures, which are outlined in detail in this paper, will protect the information and payment systems against security risks that currently threaten the Internet / Computing / M.Sc. (Information Systems)

This thesis deals with the use of electronic banking in the accountancy. The goal is to introduce the concept of electronic banking and its impact on accounting. The thesis describes the development of accounting and the impact of computer technology on the processing of accounting records and financial documents. The term of electronic signature and electronic brand are explained, as well as the possibilities of their applicaton. The thesis is to define the various forms of client (company) communication with the bank institutions and development of electronic banking as well as a summary of its advantages and disadvantages. The aim of the practical part is to evaluate the current state of direct banking service in the Czech Republic. The appendix includes a table with a list of e-filing of chosen particular tax types and overview of the structure of the questionnaire on the use of electronic banking.

As today, the traditional payment systems of cash, cheques and credit cards are being supplemented by electronic cheques, electronic credit card-based systems, and token-based systems, online security is of utmost importance and one of the biggest criteria used for evaluating electronic payment systems. Electronic payment systems must guarantee the essential security requirements: confidentiality, privacy, integrity, availability. authentication, non-repudiation as well as anonymity and trust. This paper compares the various payment systems (both traditional and electronic) available today mainly according to their security aspects. Secure processing can be accomplished including access controls and detection techniques, such as, encrypted communication channels, user and/or message authentication, symmetric and asymmetric encryption, digital certificates and firewalls. These effective security measures, which are outlined in detail in this paper, will protect the information and payment systems against security risks that currently threaten the Internet / Computing / M.Sc. (Information Systems)