Requirements Analysis of Security and Privacy of Mobile Payments Indian Context

2022 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Arthi R ◽  
G. Sudha Sadasivam ◽  
Thiruvaazhi Uloli
Keyword(s):  
Requirements Analysis ◽  
Security And Privacy ◽  
Mobile Payments ◽  
Indian Context

Service quality dimensions of ride-sourcing services in Indian context

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tejas R. Shah
Keyword(s):  
Factor Analysis ◽  
Service Quality ◽  
Reliability And Validity ◽  
Mobile App ◽  
Security And Privacy ◽  
Content Type ◽  
Indian Context ◽  
Quality Dimensions ◽  
Service Quality Dimensions

PurposeThis paper aims to identify the dimensions of service quality in the case of ride-sourcing services in Indian context.Design/methodology/approachThe service quality dimensions of ride-sourcing services are identified using an exploratory factor analysis (EFA). Further, the reliability and validity of the factors are established through confirmatory factor analysis (CFA) using AMOS.FindingsThe service quality dimensions of ride-sourcing services are identified: comfort, internal environment, safety and personnel, mobile convenience and reliability, mobile system efficiency and availability, mobile customer service and billing and mobile security and privacy.Research limitations/implicationsThe various dimensions are identified to measure service quality of ride-sourcing services in India. So, these dimensions can be tested for ride-sourcing services of countries having similar culture as India.Practical implicationsThe proposed dimensions can be used as a diagnostic tool to identify and compare important criteria for service quality of ride-sourcing services.Originality/valueMost relevant studies about dimensions of service quality for ride-sourcing services do not have stable factor structure. The dimensions identified include the traditional taxi service quality and mobile app service quality, which are not covered in current literature.

scholarly journals Using the Same PayWord Chains Associated with a Single Account from Multiple Mobile Devices

2020 ◽  
Vol 2020 ◽  
pp. 1-6
Author(s):  
Tao-Ku Chang ◽  
Fu-Hao Yeh
Keyword(s):  
Mobile Devices ◽  
Personal Data ◽  
Security And Privacy ◽  
Mobile Payments ◽  
Multiple Devices ◽  
Privacy Risks

Customer awareness and interest in mobile payments are increasing. However, security and privacy risks remain major barriers to their adoption, with customers worrying about their personal data being hacked or intercepted. In this paper, we present the design of a secure scheme for mobile payments that can guarantee mutual nonrepudiation between the customer, merchant, and banker. A customer can use the proposed scheme to make a payment with the same PayWord chains of a single account from multiple devices.

scholarly journals Security and Privacy of Mobile Payments

2020 ◽  
pp. 25-30
Author(s):  
Oksana Slepova
Keyword(s):  
Security And Privacy ◽  
Mobile Banking ◽  
Malicious Software ◽  
Financial Applications ◽  
Mobile Payments ◽  
Online Purchases ◽  
Digital World ◽  
Safety Technique

The latest smartphones make life easier for their customers. Mobile banking in smartphones is no longer news, but users are just getting used to the opportunity to pay for a purchase by touching the gadget to the terminal using the contactless payment technology. Going into the digital world is fraught with the illusion of security: a smart gadget stands up for itself. But this is true only partly – security depends primarily on the behavior of the user. Therefore, no matter what financial applications are installed on your smartphone, you first need to master the safety technique of mobile payments. As a result of the study, it is necessary to conclude that payment applications should not think about their own solutions, but only need to properly configure the work of pre-installed solutions in smartphones, as well as: 1) regularly check your devices for malicious software; 2) do not enter card data on other people’s computers and smartphones; 3) use stores that use a secure HTTPS connection; 4) to pay for online purchases, it is better not to use your main card, but to have a virtual card.

Enablers and Inhibitors of Merchant Adoption of Mobile Payments

2020 ◽  
pp. 227-250
Author(s):  
Eunice Yeboah Afeti ◽  
Joshua Ofori Amanfo
Keyword(s):  
Business Models ◽  
Service Providers ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Privacy Concerns ◽  
Mobile Payments ◽  
Brick And Mortar ◽  
New Business ◽  
New Business Models

Merchant adoption of mobile payments is facilitating new business models and changing the way merchants run their brick and mortar businesses. Despite the advantages of mobile payment adoption to the merchant, they still hesitate to adopt mobile payments. Thus, the study seeks to explore qualitatively through a case study the enablers and inhibitors to merchant adoption of mobile payments. The study identified that merchants are adopting mobile payments to facilitate new business models, to promote the disintermediation of traditional intermediaries, to offer different possibilities of growing their businesses, and to reduce transaction costs. Even though merchants believe that mobile payments adoption and use improve operational efficiency to their businesses, there are instances of fraud, particularly in the peer-to-peer transfer sector, data breaches, data security, and privacy concerns. Therefore, it is imperative for service providers of mobile payments to enhance technological issues regarding privacy protection that could enhance trust towards mobile payment adoption.

scholarly journals Influence of Demographic Factors on Security and Privacy Concerns in Mobile Payments

2019 ◽  
Vol 9 (2) ◽  
pp. 5135-5138
Keyword(s):  
Service Providers ◽  
Demographic Variables ◽  
Ease Of Use ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Mobile Service ◽  
Payment Systems ◽  
Privacy And Security ◽  
Privacy Concerns ◽  
Mobile Payments

Mobile payment systems are rapidly surpassing traditional payment options due to their ease of use and efficiency. Their convenience, however, raises the question – how secure are these systems? There is a great deal of insecurity and risk for consumers as mobile payments involve a lot of financial information. Past research indicates that when involved in online activities and e-payments, consumers are specifically concerned about privacy and security. This study aims to understand influence of demographic variables on security and privacy concerns of consumers by conducting a survey of 1087 respondents in 4 major cities of the state of Gujarat, India. The results indicate that demographic variables age, occupation, annual income and city have significant relationship with security and privacy concerns of consumers towards mobile payments. The findings of this study can benefit mobile service providers, system developers and m-payment vendors to have an actionable segmentation of different target groups based on demographic variables. Practitioners can formulate relevant strategies to address security and privacy concerns which will ultimately facilitate adoption of mobile payment systems.

Financial Inclusion and Mobile Payment to Empower Small and Medium-Sized Enterprises

2022 ◽  
pp. 50-59
Author(s):  
Mia Fithriyah ◽  
Masairol Masri ◽  
Mohammad Nabil Almunawar ◽  
Muhammad Anshari
Keyword(s):  
Literature Search ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Medium Size ◽  
Privacy Rights ◽  
Mobile Payments ◽  
Business Transactions ◽  
Negative Effect ◽  
The Government ◽  
Financial Transactions

Despite the increasing adoption of financial technology (FinTech) and the need for secure payment methods, mobile payments as a mode of settling daily business transactions have not received sufficient attention. To date, several business actors prefer to use conventional money payment modes. However, it is apparent that the need for a more effective payment method today is considered as a basic necessity, considering the current complexity of consumers and the negative effect of COVID-19. Moreover, the crisis raised a wave of apprehension over a large number of business actors, particularly small and medium-size enterprises (SMEs). The literature search indicated that the government should implement the correct policy to help create an acceptable environment for financial transactions for both the user and providers. It is also necessary to ensure that client security and privacy rights are protected during the mobile payment transactions.

Enablers and Inhibitors of Merchant Adoption of Mobile Payments

2021 ◽  
pp. 535-558
Author(s):  
Eunice Yeboah Afeti ◽  
Joshua Ofori Amanfo
Keyword(s):  
Business Models ◽  
Service Providers ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Privacy Concerns ◽  
Mobile Payments ◽  
Brick And Mortar ◽  
New Business ◽  
New Business Models

Merchant adoption of mobile payments is facilitating new business models and changing the way merchants run their brick and mortar businesses. Despite the advantages of mobile payment adoption to the merchant, they still hesitate to adopt mobile payments. Thus, the study seeks to explore qualitatively through a case study the enablers and inhibitors to merchant adoption of mobile payments. The study identified that merchants are adopting mobile payments to facilitate new business models, to promote the disintermediation of traditional intermediaries, to offer different possibilities of growing their businesses, and to reduce transaction costs. Even though merchants believe that mobile payments adoption and use improve operational efficiency to their businesses, there are instances of fraud, particularly in the peer-to-peer transfer sector, data breaches, data security, and privacy concerns. Therefore, it is imperative for service providers of mobile payments to enhance technological issues regarding privacy protection that could enhance trust towards mobile payment adoption.

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