The widespread use of smartphones and technological advances in near-field communication technologies are quickly transforming mobile payment systems. These technologies have made it possible for consumers to use their smartphones to pay for their purchases through various payments systems such as Apple’s iPay, MasterPass and V.me. These mobile payment systems, commonly referred to as mobile wallets, are designed to eliminate the need for consumers to carry multiple credit cards in their wallets, thereby making it more convenient for consumers to shop. Mobile wallets represent a major advance in mobile marketing because they are another major channel through which marketers can better reach and serve customers in a very personalized way. Realizing the potential benefits of mobile wallets for both marketers and consumers depends on the speed of adoption of this new technology. This study examines the factors that influence consumers’ decision to adopt mobile wallets. Drawing on the theoretical technology adoption and diffusion literatures, a model of the factors that influence mobile wallet adoption is proposed and tested with data collected from 530 respondents. The purpose of this study was to develop a new technology acceptance model by combining TAM with IDT and exploring the factors that affect people’s behavioral intentions to use Mobile Wallet. Based on our proposed model, we explored the relationships among three innovative characteristics with PU and PEU with subjective norm which affect individuals’ intention for using Mobile Wallet. The results of this study show that some factors significantly influenced people behavioral intention to use Mobile Wallet. The effect of the trialability on the perceived usefulness is supported in this study. Subjective norm and awareness are correlated with the users’ perceived ease of use in Mobile Wallet. The findings suggest extended model of TAM for the acceptance of the Mobile Wallet can help industry players who are looking to build public demand and increase usage of Mobile Wallet.

No description available.

Tese de mestrado. Multimédia (Perfil Tecnologias). Universidade do Porto. Faculdade de Engenharia. 2011

Smallholder farmers across the world, including Mozambique, are often faced with limited growth potential. This could mainly be attributed to an inability to purchase sufficient inputs to produce more and better-quality crops and to cultivate more land. This, in turn, is directly related to the fact that many of them do not qualify for credit, or put in another way, they are financially excluded. Smallholder farmers are known to have little or no assets to offer as collateral against loans. However, the question to be asked is, does this matter? This study proves that credit does make a difference in the community of Belas, Manica Province, Mozambique, despite the perceived high costs thereof. If given access to credit, these smallholder farmers will continuously make use of this opportunity, which in turn will lead to an increase in the procurement of inputs. Data obtained from a group of 142 smallholder farmers in the Belas community in Mozambique, and stored in a cloud-based data system, was used to analyse and graphically depict the uptake of loans, repayment records and the increase in the procurement of inputs. The number of new loans taken over time is used as a measurement of the initial demand for loans, while the repayment rate acts as the repayment ability of the farmers, further the continuous uptake of consecutive loans is used to further measure whether the farmers find value in taking up loans. The repayment rate and uptake are also measured in respect of gender, age and financial inclusion to establish whether these factors cause any deviations from the mean. The data made it evident that, once loans are made available to these farmers, they do make use of the opportunity, and once they repay their first loan, they are likely to take up a new, larger loan to further increase the procurement of inputs, and at a later stage, also increase the use of equipment like tractors. The sample group of farmers was initially slow at repaying their first loans, but the repayment rate of the farmers increased once they moved to their second and third consecutive loans. This could be attributed to the continuous training they received once they started to qualify for loans. The uptake of credit was also affected by the age of farmers, where farmers between the ages of 41 and 50 were more likely to take up loans and furthermore to repay their loans and take up consecutive loans. With respect to the repayment ability of a farmer, it was found that a longer-term relationship between the financier and the farmer resulted in a better repayment ability by the latter. Women were found to repay their loans marginally faster than men did. In conclusion, this study found that farmers do see the value of credit, despite the perceived high costs, and that the uptake of loans leads to an increase in the procurement of inputs. It is recommended that microcredit be accompanied by training, to ensure the effective production of their products and therefore the repayment of their credit. MFIs need to operate in a competitive environment to ensure that no one company can inflate the costs of lending, this means that policies need to accommodate easy access to this market. / Mini Dissertation (MSc Agric (Agricultural Economics))--University of Pretoria, 2020. / African Economic Research Consortium (AERC) / Agricultural Economics, Extension and Rural Development / MSc Agric (Agricultural Economics) / Unrestricted

At present , the smart IC card multiple applications have been accepted widely and gradually in all levels of the society. Nowadays it's not surprise for one person to own several IC cards. But such a situation will make the IC cards overload in one's purse if these varying IC card applications are not integrated appropriately. It causes cardholders' embarrassment in using them. Thus, results contract the main purpose of the IC card¡¦s invention which would prove the convenient management for multiple applications. In this study, the management of integration for multi-application in one card was implemented . According to retail and marketing report with the service trade in America and Europe, 80% profit come from 20% loyal customer, so maintain existing loyalty of customer and improve them purchase and how about develop the new travelers continuously, let them become loyal customer is important . The dividend accumulates some and exchanges goods, and can enjoy the favorable practice to consume to hold the card in the special trade company, has already solemnly become a tool which attract customers to consume continuously with, but has observed various kinds of savings cards that the society has already existed now or accumulated a card and has been only limited to applying to the single trade company or the single group, cause consumers to reduce greatly too in maintaining customer's loyal validity in the inconvenience on of using. This research is directed against this shortcoming promptly, develop one set and jointly accumulate the operation way to click, analyses its financial feasibility. Direct against this disappearance, if can develop one set and jointly accumulate some mechanisms of exchanging goods together, can create the win-win situation. In the research structure of this research, collect relevant industry's information that the dividend accumulates some operation at first, by accumulating the cognition with the foundation of some industries and understanding to the dividend. Then regarded as the key goal of this research by way of planning one set and jointly accumulating the operation that is clicked. And, in order to probe into the actual feasibility of this operation way, utilize computer software to build and construct a financial assessment model linked dynamically, include relevant operation materials and the operation ways of the parameter and pictures advised in among them. And the financial affairs utilizing the financial model to make predict the reference basis that can be assessed as investment.

Cryptocurrencies are gaining prominence among individuals and companies alike, resulting in the growing adoption of so-called cryptocurrency wallet applications, as these simplify carrying out transactions. These wallets are available in a myriad of different forms and specifications. For example, there are hardware and software wallets. The latter can be divided into mobile, web, and desktop wallets. All of them offer attackers various ways to exploit vulnerabilities and steal money from victims. It is hard to keep track of this multitude of options and thus choose the right cryptocurrency wallet. For this reason, in this thesis, we collect the findings from previous literature to provide an overview of the various attack surfaces, possible countermeasures, and further research. Our systematic study has shown that there is still a considerable variety of attack vectors, which we have divided into six subcategories, (i) Memory and Storage, (ii) Operating Systems, (iii) Software Layer, (iv) Network Layer, (v) Blockchain Protocol, and (vi) Others. Some of the identified vulnerabilities have currently no solutions at all or hardly applicable countermeasures. However, some are easy to fix and simple to implement. One of the essential measures is to raise awareness of the identified weaknesses and the associated mitigations, if any, among the involved stakeholders, including users, developers, and exchanges.

This essay is a product of our examination work on candidate level in Interaction Design. The aim in this project was to design a digital wallet integrated into a cellular phone and make it as an electronic payment tool. In our project the goal has been to create a digital wallet not just for payment, but also develop it into a complete digital wallet, replacing visa, membership card, student cards, id card and receipt. Our ambition is to take care of current qualities of today's wallet and improve where it is possible so that can be replaceable with the digital wallet.

Bankbranschen börjar bli mer dynamisk och digitaliserad, vilket har bidragit till att konsumenter lättare kan bli kund hos flera banker. Med 124 banker på marknaden börjar hårdare konkurrens bildas, och tidigare forskning visar på att en kreativ marknadsföring är ett bra sätt att differentiera sig, skapa förtroende och öka kundintentioner. Syftet med studien är att undersöka om en kreativ marknadsföring ökar konsumenters förtroende och kundintentioner i bankbranschen. För att besvara syftet skapades två banklogotyper av en fiktiv bank, en mer kreativ logotyp och en mer traditionell logotyp. Logotyperna lades sedan in i två enkäter, vilka skickades ut till två olika grupper av respondenter.  Studien har en abduktiv ansats och en kvantitativ metod. För att besvara syftet användes förtroende som mediator mellan marknadsföringssätt och kundintentioner (word of mouth, share of wallet och villighet att bli kund), och kön användes som en moderator mellan marknadsföringssätt och förtroende. Studien resulterade i att den mer traditionella logotypen, jämfört med den mer kreativa logotypen, ökade förtroendet till den fiktiva banken vilket i sin tur ledde till ökad kundintention. Modereringen med kön visade att det fanns signifikanta skillnader i män och kvinnors attityd till kreativiteten i logotypen. Män visade sig reagera mer negativt på den kreativa logotypen än kvinnor. Medieringsanalysen resulterade i en full mediering till word of mouth samt share of wallet, och i en partiell mediering till villighet att bli kund. Slutsatsen är att en mindre kreativ marknadsföring är att föredra i bankbranschen samt att förtroende är en viktig del i bankers framgång. / The banking industry is beginning to become more dynamic and digital, which has contributed to  consumers being able to become customers of several banks more easily. With 124 banks in the market, tougher competition is beginning to form, and previous research shows that creative marketing is a good way to differentiate, create trust, and increase customer intentions. The purpose of the study is to investigate whether creative marketing increases consumer confidence and customer intentions in the banking industry. To answer the purpose, two bank logos were created of a fictitious bank, a more creative logotype, and a more traditional logotype. The two logotypes were used in two different surveys, which were sent out to two different groups of respondents.  The study has an abductive approach and a quantitative method. To answer the purpose, trust was used as a mediator between the marketing method and consumer intentions (word of mouth, share of wallet, and willingness to become a customer), and gender was used as a moderator between the marketing method and trust. The study resulted in the more traditional logotype, compared to the more creative one, increased confidence in the fictitious bank, which led to increased consumer intention. The moderating analysis showed significant differences in men ́s and women ́s attitudes towards the level of creativity in the logotype. Men were found to react more negatively to the more creative logotype than women. The mediation analysis resulted in full mediation to word of mouth and share of wallet, and in a partial mediation to the willingness to become a customer. The conclusion is that less creative marketing is preferable in the banking industry and that trust is an important part of banks' success.

Uppsatsens syfte var att utreda huruvida Dalarnas Försäkringsbolags helkunder har det fulla bank- och försäkringsengagemang som bolaget eftersträvar. Vidare ämnade vi att utifrån våra resultat föra en diskussion kring helkundernas lönsamhet då det är av stort intresse för företaget. För att uppnå syftet använde vi oss utav Dalarnas Försäkringsbolags kunddatabas där vi samlade in information om 300 helkunder. Stickprovet var ett resultat av ett obundet slumpmässigt urval från populationen helkunder som var aktuell i oktober 2010. Flera oberoende t-test genomfördes mellan olika grupper som vi skapat utifrån helkundernas grad av engagemang. Dessutom lämnade vi ut en enkät bland samtliga säljare och rådgivare och intervjuade en säljare respektive en rådgivare för att bland annat få en bild av hur mycket tid som läggs ned på arbetet med helkunderna.   Vi kom fram till att endast 13,4 % av helkunderna har det fulla bank- och försäkringsengagemang som bolaget eftersträvar och två tredjedelar av Dalarnas Försäkringsbolags helkunder har ett litet till mycket litet bankengagemang. Utifrån lönsamhetsresonemanget som förts om helkunderna vill vi inte dra för långtgående slutsatser då vi inte haft tillgång till exakta kostnader och intäkter, men vi skulle ändå vilja lägga fram att undersökningen tyder på att helkunderna som helt segment inte skulle är lönsamma för företaget.

Abstract Banking industry which contributes significant annual economic growth rate is one of the most important industries in Taiwan. Since the trend that many countries give up the cash-based monetary system, the financial environment grows toward liberalization and globalization. Banking industry has shown more and more influence on the stability of economy. The financial Commissioner of MOU which signed on November 16, 2009 and effected on January 16, 2010 has taken the financial cooperation between Taiwan and China to a new stage. Under the framework of the Economic Cooperation Framework Agreement (ECFA), Mainland China will become an important part of Taiwan banking industry¡¦s future global distribution. With the impact of global financial tsunami and European sovereign debt crisis, the overall economic environment of Taiwan banking industry has been more difficult. On the other side, the number of competitor of the same nature increases since 16 new banks are approved to be set up from 1991 to 1992. According to the statistic of Financial Supervisory Commission, Executive Yuan, there is a total of 38 domestic banks with 3,398 branches and a total of 28 foreign banks with 53 branches over Taiwan. The business volume and profitability of traditional banks has been reduced, and wallet share ratio has been declined too. Thus, it is a must that bank adjust their traditional role from borrowing funds to a assist of asset management as quickly as possible to support customers a omni-bearing service provider. After the implement of Financial Holding Company Act in July 2001, the financial legislation has been lifted. It allow not only the establishment of financial holding companies but also the cross-industry operation of banking, insurance, securities, venture capital, investment trust business that providing customers on stop shopping service. Moreover, based on the principle of equity, the financial authority allow non-financial holding companies including banking, insurance, securities could development cross-industry service. Thus, non-financial holding companies should review their future development strategies and opportunities. The study is based on the simplified financial and insurance market structure which includes a bank and three insurance companies. When a individual bank cooperates with certain insurance company, there are two cooperation models¡Xthe establishment of financial holding company and cross-industry strategic alliance. The establishment of financial holding company adopts ¡§joint marketing¡¨ mode which vertical and horizontal integrates the flow of business, cash, logistic, information and talent to create a synergy of business profit. However, if there are differences of business culture and philosophy, the benefit may not be shown and may even adversely affect the alliance. The strength of ¡§strategic alliance¡¨ lies in the flexibility of operation of business and organization. With the cross-industry operation mode, managers could develop business strategy according to the difference structure and property thus not only retains original business idea and thinking but also capture unique niche of cross-industry then achieve the goal progressively. Through literature review and analysis of banking and insurance strategies, the study develops the research framework, questionnaire and dimensions in the background and motivation of cross-industry alliance, the condition and term of alliance partner selection strategy and interactive communication in the process of strategic alliance and cooperation to discuss the factors that influence the channel strategies of bank-insurance companies and the critical factors that make successful business expansion. The study hope to provide a reference for future development of bank ¡Vinsurance business to enhance the competitiveness of bank insurance industry in Taiwan.