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Showing 1 to 4 of 4 (0.03 seconds)Spelling suggestions: "subject:"mpayments"" "subject:"payments""
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Biometric Authentication in M-Payments : Analysing and improving end-users’ acceptabilityPorubsky, Jakub January 2020 (has links)
Traditional authentication methods like Personal Identification Number (PIN) are getting obsolete and insecure for electronic-payments while mobile-payments are becoming more and more popular. Biometrics such as fingerprint and face recognition authentication methods seem to be a solution to this security issue as they are becoming a regular and integrated part of an average smartphone end-users purchase. However, for mobile-payments to be authenticated by biometrics, end-users acceptability of both technologies must be high. In this research, fingerprint and face recognition authentication methods are being tested with end-users and their current acceptability level is being determined based on interviews which are conducted upon finishing each testing scenario. The interview is using 39 questions which are determining previous usage of the technologies, their likeability, positives, negatives, and feelings about various features biometrics provide such as ease-of-use, stress-free method of payment, security, and many others. Additionally, one more authentication method is tested, namely two factor authentication consisting of one biometric method (fingerprint) and one traditional method (PIN) of authentication. The main goal for testing this method is to find out whether implementing (as currently it is not available) such technology into mobile-payments would be beneficial and how it scored in user-acceptance next to fingerprint and face recognition authentication methods. Once the user-acceptance level is determined the main reasons for it are presented. Last but not least, suggestions for improvements in this domain are presented so that biometrics are even more accepted by end-users who are performing mobile-payments on their smartphones.
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[pt] PRONTIDÃO E ACEITAÇÃO DE TECNOLOGIAS EM SERVIÇOS: MOBILE PAYMENTS / [en] READINESS AND ACCEPTANCE IN SERVICES: MOBILE PAYMENTSTHARCISIO ALEXANDRINO CALDEIRA 20 September 2016 (has links)
[pt] Esta pesquisa teve como objetivo investigar os principais fatores que
influenciam a adoção e uso de tecnologias no setor de serviços, mais
especificadamente no setor de serviços financeiros. O arcabouço teórico permitiu
a definição de construtos cognitivos e afetivos para a elaboração do modelo
conceitual. Além disso, este modelo incluiu construtos de elevada importância
para o consumo de serviços financeiros, como Confiança e Risco Percebido. Por
fim, o construto de Prontidão para a Tecnologia, desenvolvido por Parasuraman e
Colby (2014) foi adicionado ao modelo, a fim de analisar a influência da
predisposição individual em relação às tecnologias em geral, enquanto
antecedente dos demais construtos. Os dados da pesquisa foram obtidos por meio
de uma survey online, que foi respondida por 402 estudantes ou recém-formados
de cursos de graduação e pós-graduação. O modelo final da pesquisa, denominado
Modelo de Prontidão e Aceitação de Mobile Payments, indicou que a Prontidão
para a Tecnologia exerce maior influência sobre os aspectos cognitivos do que
sobre os afetivos, indicando que a prontidão auxilia significativamente o processo
racional de avaliação da tecnologia. Além disso, os resultados indicaram que o
construto de Utilidades e Vantagens Percebidas exerceu a maior influência sobre a
Atitude, seguido pela Confiança e pela Apreciação da Qualidade Percebida,
confirmando que os aspectos cognitivos são predominantes no processo de
decisão quanto ao uso de serviços financeiros. Por fim, o Risco Percebido
apresentou uma influência negativa, mas de pequena magnitude, sobre a Intenção
de Uso. O Modelo de Prontidão e Aceitação de Mobile Payments foi capaz de
explicar cerca de 76 porcento da Atitude e 68 porcento da Intenção em relação ao uso de
tecnologias, mostrando-se um modelo com boa capacidade preditiva e de
contribuição relevante para a literatura de aceitação de tecnologias. / [en] This research aimed to investigate what factors influence the adoption and
use of technologies in services, more specifically in the financial services sector.
The theoretical framework allowed the definition of cognitive and affective
constructs for the preparation of the conceptual model. Furthermore, this model
also includes constructs with high relevance for consumption of financial services,
like Trust and Perceived Risk. Finally, the Technology Readiness construct,
developed by Parasuraman and Colby (2014), was added to the model in order to
analyze the influence of individual predisposition in relation to technology in
general, as an antecedent of the other constructs. Data was collected via an online
survey, which was answered by 402 students or recent graduated of graduate and
post-graduate courses. The final model, named Model of Readiness and
Acceptance of Mobile Payments, indicated that the Readiness Technology has
stronger effects on cognitive aspects than on the affective aspects, indicating that
readiness significantly assists the rational evaluation process about the use of
technologies. Furthermore, the results indicated that the Perceived Usefulness and
Advantage construct has the strongest effect over Attitude, followed by Trust and
by Enjoyment of Perceived Quality, confirming that the cognitive aspects are
predominant in decision-making regarding the use of financial services. Finally,
Perceived Risk had a negative but very little effect over Intention. The Model of
Readiness and Acceptance of Mobile Payments was able to explain about 76 percent of
Attitude and 68 percent of Intention, showing itself a model with good predictive
capability and presenting significant contribution to the literature of acceptance of
technologies.
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Legal and regulatory aspects of mobile financial servicesPerlman, 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
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| 4 |
Legal and regulatory aspects of mobile financial servicesPerlman, 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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