Near Field Communication Enabled Mobile Payments: Preliminary Study

2018 ◽  
Vol 7 (2.34) ◽  
pp. 60
Author(s):  
Imtiaz Ali Brohi ◽  
Najma Imtiaz Ali ◽  
Asadullah Shah ◽  
Madihah Bt. S. Abd. Aziz ◽  
Mohd. Izzuddin Bin Mohd. Tamrin
Keyword(s):  
Pilot Study ◽  
Ubiquitous Computing ◽  
Technology Acceptance ◽  
Near Field ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Payment Model ◽  
Mobile Payments ◽  
Use Of Technology ◽  
Preliminary Study

The ubiquitous computing has made consumers life easy, it has given the new way to interact with family and friends and perform many activities which were impossible in previous time. One of the profound achievement of ubiquitous computing is Mobile Payment and an advanced mode of the mobile payment is the near field communication mobile payment. In this study the authors have proposed theoretical  near field communication mobile payment model that is based on extended unified technology acceptance and use of technology (UTAUT2) .In this paper, the author have performed the pilot study to validate the variables and to verify their reliability among the proposed items.  The results has proven that there is a reliability among the items in variables, as the Cronbach’s alpha value for the variables is above or equal to 0.7. 

Financial Experiences, Beliefs, and Near Field Communication Based Mobile Payments Among Young Adults

2020 ◽  
Vol 31 (1) ◽  
pp. 69-82
Author(s):  
Haidong Zhao ◽  
Lini Zhang ◽  
Sophia Anong
Keyword(s):  
Young Adults ◽  
Near Field ◽  
Perceived Usefulness ◽  
Mediating Effect ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Significant Positive Association ◽  
Mobile Payments ◽  
Intention To Adopt ◽  
Nfc Mobile Payment

This study examined a conceptual model on the intention to adopt NFC-based mobile payment that incorporates financial experiences and beliefs. NFC refers to Near Field Communication, a new technology in mobile payments. From an online experimental survey of 463 U.S. young adults, this research found consumers who used cards among their payment methods as opposed to cash-only were less likely to adopt NFC mobile payment. Previous experience in non-NFC mobile payments had a significant positive association with intention to adopt NFC mobile payment. Among the beliefs, consumers with higher trust and higher perceived usefulness about NFC mobile payment had greater intentions to adopt it. Moreover, trust was found to have a mediating effect between non-NFC mobile payment experience and the intention to adopt NFC mobile payment. This study not only provides mobile payment providers with effective marketing strategies to increase consumers' adoption of NFC mobile payment but also provides financial educators with important implications to develop targeted education programs.

Adoption of Near Field Communication (NFC) for Mobile Payments in the UAE

2016 ◽  
Vol 12 (4) ◽  
pp. 38-56 ◽  
Author(s):  
Mohanad Halaweh ◽  
Hashem Al Qaisi
Keyword(s):  
New Technology ◽  
Near Field ◽  
Payment System ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Structured Interviews ◽  
Technology Infrastructure ◽  
Mobile Payments ◽  
Nfc Mobile Payment ◽  
Exchange Data

Near Field Communication (NFC) is one of the emerging technologies that enables mobile devices to wirelessly exchange data at short ranges. NFC technology has great potential, making it convenient to process payments through mobile phones. The aim of this research is to explore the challenges and factors which influence the adoption of the NFC payment system by merchants and retailers in the UAE. This paper presents the results of semi-structured interviews conducted amongst the UAE merchants and retailers. The analysis of data revealed a lack of knowledge, awareness and experience, from both merchants and retailers, about the NFC mobile payment system. Security, promptness and business sustainability were found to be important factors for merchants to contemplate before adopting the new technology. Furthermore, technology infrastructure, switching cost, availability and ecosystem complexity impeded the spreading of NFC mobile payment technology in the UAE market.

NFC Payments Overview

2017 ◽  
pp. 1-42
Keyword(s):  
Mobile Phones ◽  
Short Range ◽  
Near Field ◽  
Mobile Commerce ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Point Of Sale ◽  
Mobile Payments ◽  
Close Range ◽  
User Friendly

NFC payment is the latest mobile payment technology for cashless transactions. Mobile payment is an application of mobile commerce which facilitates mobile commerce transactions by providing the mobile customer with a convenient means to pay. Many mobile payment methods have been proposed and implemented like user friendly, customer centric, merchant centric where security concerns are highly addressed. This chapter discusses the evolution of mobile payments that describes different technologies like SET, Barcode, Biometrics and also Near Field Communications that provides a platform for many applications for peer to peer transactions and other security features where confidentiality and trust are main concerns. Near Field Communication (NFC) provides means to close-range contactless identification and communications for mobile phones and other devices Also, use of NFC for short range communication allows the possible integration with existing Point-of-Sale equipment and the payment process from the customers and merchants perspective.

Intention to adopt mobile payment in physical stores

2019 ◽  
Vol 33 (2) ◽  
pp. 285-308 ◽  
Author(s):  
Yonathan Dri Handarkho ◽  
Yulius Harjoseputro
Keyword(s):  
Theoretical Model ◽  
Technology Acceptance ◽  
Switching Behavior ◽  
Mobile Payment ◽  
Herd Behavior ◽  
User Intention ◽  
Consumer Innovativeness ◽  
Content Type ◽  
Use Of Technology ◽  
Acceptance Model

Purpose The purpose of this paper is to develop a theoretical model based on Push–Pull–Mooring (PPM) framework consisting of direct, indirect and moderating effects, derived from technology acceptance model, unified theory of acceptance and use of technology and other extended theory, to address the main factor influencing an individual in adopting mobile payment (MP) in physical stores. The research, therefore, utilized individual switching behavior as an underpinning to explain MP adoption in an offline context. Design/methodology/approach The theoretical model was tested by collecting data from 459 respondents in Indonesia through online self-administered questionnaires. Findings The finding indicated consumer innovativeness has the most influential direct effect on MP adoption, followed by deal proneness, perceived convenience and perceived herd behavior. Meanwhile, perceived enjoyment and subjective norms were found to have an indirect effect on the adaptation of MP through mediator convenience. Furthermore, age, gender, occupation and income did not have any moderating effect for all the direct influence of MP adoption. Originality/value Previous literature only focused on direct intention. However, this study observed the adoption of MP in a physical store by involving the switching behavior. It specifically puts concern and objective as the factors that influence user intention to switch from their old payment system to the MP system in bricks and mortar store using PPM framework.

scholarly journals Untraceable and Anonymous Mobile Payment Scheme Based on Near Field Communication

Symmetry ◽  
2018 ◽  
Vol 10 (12) ◽  
pp. 685
Author(s):  
Raylin Tso
Keyword(s):  
Mobile Communications ◽  
Service Providers ◽  
Near Field ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Internet Service ◽  
Payment Scheme ◽  
Symmetric Key ◽  
Symmetric Key Cryptography ◽  
Low Entropy

With the developments of mobile communications, M-commerce has become increasingly popular in recent years. However, most M-commerce schemes ignore user anonymity during online transactions. As a result, user transactions may easily be traced by shops, banks or by Internet Service Providers (ISPs). To deal with this problem, we introduce a new anonymous mobile payment scheme in this paper. Our new scheme has the following features: (1) Password-based authentication: authentication of users is done by low-entropy password; (2) Convenience: the new scheme is designed based on near field communication (NFC)-enabled devices and is compatible with EuroPay, MasterCard and Visa (EMV-compatible); (3) Efficiency: users do not need to have their own public/private key pairs and confidentiality is achieved via symmetric-key cryptography; (4) Anonymity: users use virtual accounts in the online shopping processes, thereby preventing attackers from obtaining user information even if the transaction is eavesdropped; (5) Untraceablity: no one (even the bank, Trusted Service Manager (TSM), or the shop) can trace a transaction and link the real identity with the buyer of a transaction; (6) Confidentiality and authenticity: all the transaction is either encrypted or signed by the sender so our new scheme can provide confidentiality and authenticity. We also present the performance and the security comparison of our scheme with other schemes. The results show that our scheme is applicable and has the most remarkable features among the existing schemes.

ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Survey Methods ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

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