scholarly journals Blockchain Interoperability: Towards a Sustainable Payment System

2022 ◽  
Vol 14 (2) ◽  
pp. 913
Author(s):  
Debasis Mohanty ◽  
Divya Anand ◽  
Hani Moaiteq Aljahdali ◽  
Santos Gracia Villar
Keyword(s):  
Systematic Review ◽  
Technology Acceptance ◽  
Payment System ◽  
Financial Inclusion ◽  
Research Issues ◽  
Blockchain Technology ◽  
Atomic Transactions ◽  
Industrial Solutions

The highly fragmented blockchain and cryptocurrency ecosystem necessitates interoperability mechanisms as a requirement for blockchain-technology acceptance. The immediate implication of interchain interoperability is automatic swapping between cryptocurrencies. We performed a systematic review of the existing literature on Blockchain interoperability and atomic cross-chain transactions. We investigated different blockchain interoperability approaches, including industrial solutions, categorized them and identified the key mechanisms used, and list several example projects for each category. We focused on the atomic transactions between blockchain, a process also known as atomic swap. Furthermore, we studied recent implementations along with architectural approaches for atomic swap and deduced research issues and challenges in cross-chain interoperability and atomic swap. Atomic swap can instantly transfer tokens and significantly reduce the associated costs without using any centralized authority, and thus facilitates the development of a sustainable payment system for wider financial inclusion.

scholarly journals Digital Financial Inclusion Sustainability in Jordanian Context

2021 ◽  
Vol 13 (11) ◽  
pp. 6312
Author(s):  
Abdalwali Lutfi ◽  
Manaf Al-Okaily ◽  
Malek Hamed Alshirah ◽  
Ahmad Farhan Alshira’h ◽  
Thaer Ahmad Abutaber ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Research Model ◽  
Financial Cost

Digital Financial Inclusion (DFI) refers to efforts to make digital financial services available and affordable to all individuals and institutions, regardless of their net expense or institution size and demographic location. Despite the immense benefits of DFI and DFI-based products and services such as mobile money and payment systems, users’ acceptance is thin, limited, and disappointing in some developing countries as Jordan. Consequently, this study has investigated the factors influencing the acceptance of the mobile payment system in the Jordanian context. This study’s research model synthesizes the Technology Acceptance Model (TAM) variables and extended the model with perceived financial cost as an independent variable. The research model has been empirically confirmed by fitting the model to data collected from 304 Jordanian citizens using a survey instrument. The data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM). The result has confirmed that behavioural intention to use the m-payment system is significantly and positively influenced by perceived usefulness and perceived financial cost; behavioural intention to use m-payment system was not found to be significantly and positively influenced by perceived ease of use and hence the related hypothesis was not supported. Finally, conclusions and recommendations are further discussed in the last section of this paper.

scholarly journals Blockchain Technology for Winning Consumer Loyalty: Social Norm Analysis Using Structural Equation Modeling

Mathematics ◽  
2021 ◽  
Vol 9 (5) ◽  
pp. 532
Author(s):  
María de los Ángeles Pérez-Sánchez ◽  
Zhuowei Tian ◽  
Almudena Barrientos-Báez ◽  
José Gómez-Galán ◽  
Hanliang Li
Keyword(s):  
Structural Equation Modeling ◽  
Technology Acceptance ◽  
Social Exchange ◽  
Local Governments ◽  
Structural Equation ◽  
Social Norm ◽  
New Technologies ◽  
Equation Modeling ◽  
Consumer Loyalty ◽  
Blockchain Technology

Remarkable changes have taken in social operation mode and consumers’ behavior mode because of the foot ban during the pandemic spread of COVID-19. Digital technologies such as Blockchain have shown potential in gaining competitive advantages for enterprises in such situations. This study aims to provide an insight into how to gain consumer loyalty through the use of modern and efficient Blockchain technology. In contrast to the current literature, this study combined the technology acceptance model of planned behavior theory, social exchange theory to explain the loyalty of an online travel agency (OTA) consumer. A self-administered questionnaire was used to collect data from citizens in Hangzhou, a city full of technological innovation atmosphere. Using structural equation modeling with SmartPLS©, responses from 1403 citizens were analyzed. Social norm was discovered to have a positive and significant association with the consumers’ attitude toward technology and thus enhancing the perceived usability and hedonism of OTA application, which can increase consumer loyalty. The findings suggested OTAs may gain consumers’ loyalty through adopting Blockchain technology, and local governments have played a key role in creating such an environment. New technologies have become essential professional and social tools for society. The technological environment and Blockchain within the tourism sector are fundamental elements of China’s economic engine.

scholarly journals Blockchain Applications in Agribusiness: A Systematic Review

2021 ◽  
Vol 13 (4) ◽  
pp. 95
Author(s):  
Geneci da Silva Ribeiro Rocha ◽  
Letícia de Oliveira ◽  
Edson Talamini
Keyword(s):  
Complex System ◽  
Systematic Review ◽  
Web Of Science ◽  
Scientific Literature ◽  
Early Stage ◽  
Technological Development ◽  
Economic Sectors ◽  
Future Studies ◽  
Blockchain Technology ◽  
Near Future

Blockchain is a technology that can be applied in different sectors to solve various problems. As a complex system, agribusiness presents many possibilities to take advantage of blockchain technology. The main goal of this paper is to identify the purposes for which blockchain has been applied in the agribusiness sector, for which a PRISMA-based systematic review was carried out. The scientific literature corpus was accessed and selected from Elsevier’s Scopus and ISI of Knowledge’s Web of Science (WoS) platforms, using the PRISMA protocol procedures. Seventy-one articles were selected for analysis. Blockchain application in agribusiness is a novel topic, with the first publication dating from 2016. The technological development prevails more than blockchain applications since it has been addressed mainly in the Computer Sciences and Engineering. Blockchain applications for agribusiness management of financial, energy, logistical, environmental, agricultural, livestock, and industrial purposes have been reported in the literature. The findings suggest that blockchain brings many benefits when used in agribusiness supply chains. We concluded that the research on blockchain applications in agribusiness is only at an early stage, as many prototypes are being developed and tested in the laboratory. In the near future, blockchain will be increasingly applied across all economic sectors, including agribusiness, promoting greater reliability and agility in information with a reduced cost. Several gaps for future studies were observed, with significant value for science, industry, and society.

scholarly journals An Incentive-based Mechanism for Volunteer Computing Using Blockchain

2021 ◽  
Vol 21 (4) ◽  
pp. 1-22
Author(s):  
Ismaeel Al Ridhawi ◽  
Moayad Aloqaily ◽  
Yaser Jararweh
Keyword(s):  
Resource Sharing ◽  
Secure Communication ◽  
Service Providers ◽  
Volunteer Computing ◽  
Resource Usage ◽  
Content Filtering ◽  
Computing Device ◽  
Blockchain Technology ◽  
Smart Agriculture ◽  
Industrial Solutions

The rise of fast communication media both at the core and at the edge has resulted in unprecedented numbers of sophisticated and intelligent wireless IoT devices. Tactile Internet has enabled the interaction between humans and machines within their environment to achieve revolutionized solutions both on the move and in real-time. Many applications such as intelligent autonomous self-driving, smart agriculture and industrial solutions, and self-learning multimedia content filtering and sharing have become attainable through cooperative, distributed, and decentralized systems, namely, volunteer computing. This article introduces a blockchain-enabled resource sharing and service composition solution through volunteer computing. Device resource, computing, and intelligence capabilities are advertised in the environment to be made discoverable and available for sharing with the aid of blockchain technology. Incentives in the form of on-demand service availability are given to resource and service providers to ensure fair and balanced cooperative resource usage. Blockchains are formed whenever a service request is initiated with the aid of fog and mobile edge computing (MEC) devices to ensure secure communication and service delivery for the participants. Using both volunteer computing techniques and tactile internet architectures, we devise a fast and reliable service provisioning framework that relies on a reinforcement learning technique. Simulation results show that the proposed solution can achieve high reward distribution, increased number of blockchain formations, reduced delays, and balanced resource usage among participants, under the premise of high IoT device availability.

scholarly journals Technology Acceptance in Healthcare: A Systematic Review

2021 ◽  
Vol 11 (22) ◽  
pp. 10537
Author(s):  
Adi A. AlQudah ◽  
Mostafa Al-Emran ◽  
Khaled Shaalan
Keyword(s):  
Systematic Review ◽  
Technology Acceptance ◽  
Large Scale ◽  
Empirical Studies ◽  
Influential Factors ◽  
Full Potential ◽  
Eligibility Criteria ◽  
Factors Affecting ◽  
The Usa ◽  
Healthcare Technologies

Understanding the factors affecting the use of healthcare technologies is a crucial topic that has been extensively studied, specifically during the last decade. These factors were studied using different technology acceptance models and theories. However, a systematic review that offers extensive understanding into what affects healthcare technologies and services and covers distinctive trends in large-scale research remains lacking. Therefore, this review aims to systematically review the articles published on technology acceptance in healthcare. From a yield of 1768 studies collected, 142 empirical studies have met the eligibility criteria and were extensively analyzed. The key findings confirmed that TAM and UTAUT are the most prevailing models in explaining what affects the acceptance of various healthcare technologies through different user groups, settings, and countries. Apart from the core constructs of TAM and UTAUT, the results showed that anxiety, computer self-efficacy, innovativeness, and trust are the most influential factors affecting various healthcare technologies. The results also revealed that Taiwan and the USA are leading the research of technology acceptance in healthcare, with a remarkable increase in studies focusing on telemedicine and electronic medical records solutions. This review is believed to enhance our understanding through a number of theoretical contributions and practical implications by unveiling the full potential of technology acceptance in healthcare and opening the door for further research opportunities.

scholarly journals Research on the Application of Blockchain Technology in the Management of Financial Transfer Payment

2021 ◽  
Vol 251 ◽  
pp. 01065
Author(s):  
Zhang Jiangen ◽  
Xing Shuxia ◽  
Qi meng
Keyword(s):  
Supply Chain ◽  
Personal Computer ◽  
Financial Management ◽  
Payment System ◽  
Transfer Payment ◽  
Blockchain Technology ◽  
The Status ◽  
Adaptation Scenarios ◽  
Great Development ◽  
Financial Transfer

Blockchain technology is considered to be a subversive innovation of computing mode after mainframe, personal computer and Internet. In the financial, medical, supply chain and other industries show great development potential. As an important part of financial management, financial transfer payment system is an important part of modern financial system. This paper combines blockchain technology with the management of financial transfer payment, analyzes the adaptation scenarios of blockchain technology, summarizes the status and development bottleneck of financial transfer payment informatization, tries to establish a financial transfer payment system based on blockchain technology, describes the advantages of blockchain technology in supporting the management of financial transfer payment, and puts forward suggestions on the possible problems.

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