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

The purpose of this project is to investigate the infrastructure requirements for a currency exchange market for holders of currencies issued through the Lightweight Currency Protocol. The Lightweight Currency Protocol was designed as a means for entities to issue currencies for the purpose of cultivating low value business transactions between collaborating nodes in a peer-to-peer market.

The purpose of this project is to design, build and implement a secure, payment-based email delivery system that provides privacy and reduces spam.

The idea of a free network is a myth of the past. Networking costs are expected to remain a burden to future IT budgets, no doubt raising questions regarding the payment of such services. Users do not normally pay to use local area networks, as companies tend to own their LANs. However, when wide area or international networks are considered, the situation is different. It is argued that in these cases the invoicing and payment system should be integral to the network's communication protocol. This implies changes to the networking protocol (to handle invoicing) as well as a new look at customary ideas of representing currency (to handle payment). In this dissertation, an invoicing and payment scheme that uses electronic cash and is implemented as part of the basic ATM protocols is discussed. The main advantages of this scheme can be summarized as a low administrative overhead and user privacy. / Computer Science / M. Sc. (Computer Science)

University of Macau / Faculty of Science and Technology / Department of Computer and Information Science

M. Tech. Business Information Systems / The operation and management of privately-owned public transport (the taxi industry to be precise) in many countries, South Africa included; is increasingly challenging. Over the years, the taxi industry in South Africa has been characterized by many challenges such as violence, resulting from maladministration and lack of regulations. In addition, this could be attributed to irregularities and lack of formal approach within which the privately-owned public transport (taxi) operates. Another problem with the irregularities in the industry is handling physical cash by taxi drivers. This creates room for funds spillage and financial management challenges, resulting in conflict between taxi drivers and their employers. There is also an issue of taxation, which is a challenge to the Government. Due to the irregularities, the way in which the industry is operated, the operators have failed to comply. The goal of this research is to develop an ICT seamless Model for handling electronic payment for privately-owned public transportation in Gauteng.

The idea of a free network is a myth of the past. Networking costs are expected to remain a burden to future IT budgets, no doubt raising questions regarding the payment of such services. Users do not normally pay to use local area networks, as companies tend to own their LANs. However, when wide area or international networks are considered, the situation is different. It is argued that in these cases the invoicing and payment system should be integral to the network's communication protocol. This implies changes to the networking protocol (to handle invoicing) as well as a new look at customary ideas of representing currency (to handle payment). In this dissertation, an invoicing and payment scheme that uses electronic cash and is implemented as part of the basic ATM protocols is discussed. The main advantages of this scheme can be summarized as a low administrative overhead and user privacy. / Computer Science / M. Sc. (Computer Science)

The objective of this study was to determine the factors which can affect the adoption of e-banking in Cameroon. To conduct that research, we tried to understand how demographic characteristics, attitudes and social influences impact on the customer’s decision to adopt e-banking; to investigate barriers and challenges with regard to the adoption of e-banking; to identify the differences in perception regarding e-banking between e-banking users and non-users; and to determine whether or not e-banking offers more opportunities in comparison with the traditional banking system used in Cameroon. Through an in-depth interview and questionnaires filled by bank’s customer, the factors influencing the adoption of e-banking in Cameroon were identified. These were demographic factors such as age, income, educational level and occupation. Psychological factors such as perceptions of relative advantage, compatibility, complexity and perceived cost were also identified. Perceived risk was found to have a negative impact on e-banking adoption. A measure of the relationship between the factors and the adoption of e-banking was determined. Negative perceptions and attitudes influence the decision-making process, resulting in negative consumer behaviour outcomes. Social influences, including the opinions of friends, parents and colleagues, were found to have an influence on e-banking adoption. With regard to the research objectives that identified factors discouraging customers from using e-banking, the lack of trust, lack of information, lack of knowledge and perceived risk by non-users hindered the adoption of e-banking. Challenges and barriers with regard to e-banking adoption were also identified, namely resistance to change by bank employees, lack of knowledge, absence of e-laws and legislation for e-banking, absence of a proper telecommunications infrastructure and shortage of IT training. This research is especially valuable for the Cameroon banking industry, as the findings will provide insights for banks interested in implementing e-banking strategies. / Business Management / M. Com. (Business Management)

Thesis (MComm.)--Stellenbosch University, 2001. / ENGLISH ABSTRACT: In recent years the importance and number of users of electronic commerce and its medium, the Internet, have grown substantially. Despite this, the Business-to- Consumer sector has shown slow expansion and limited growth, with the majority of consumers slow to adopt the Internet as a medium for purchase. A probable factor affecting the purchasing behaviour of individuals is the perception of risk of a breach in (credit card) security and/or a violation of privacy. The research discussed here indicates that two closely related constructs, namely perceived privacy risk and perceived security risk exerts an influence on the Internet purchasing behaviour of Internet users, and more importantly, the intention to purchase. In addition, the role of social pressures regarding the provision of personal and credit card information is indicated to be of considerable importance. / AFRIKAANSE OPSOMMING: Die afgelope aantal jare het die belangrikheid en gebruik van eletroniese handel en die Internet aansienlik toegeneem. Ongeag hierdie groei het die sektor gemoeid met die handel tussen besighede en verbruikers egter beperkte groei getoon. 'n Waarskynlike rede vir die tendens in Internet aankoop gedrag is die persepsie dat daar 'n risiko is van misbruik van 'n krediet kaart sowel as misbruik en skending van privaatheid. Die studie wat hier bespreek word toon aan dat twee nou verwante kostrukte, naamlik persepsie van sekuriteits- en persepsie van privaatheidsrisiko 'n rol speel in die bepaling van Internet aankoop gedrag, sowel as die intensie om te koop. Verder is die rol van sosiale druk rakende die verskaffing van persoonlike en krediet kaart inligting uitgelig as 'n faktor van uiterste belang.

University of Macau / Faculty of Law