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.

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.

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.

The use of statistical methods in the analysis of mobile payment market in Poland

2020 ◽  
Vol 3 (2) ◽  
pp. 45-50
Author(s):  
Artur Borcuch
Keyword(s):  
Economic Growth ◽  
Economic Activity ◽  
Initial Phase ◽  
Positive Impact ◽  
Ease Of Use ◽  
Mobile Payment ◽  
Human History ◽  
Payment Systems ◽  
Mobile Payments ◽  
Payment Instruments

Payments are an inherent element of economic activity (León and Ortega 2018). However, the evolution of payment instruments and the way individuals and businesses make daily payments has undergone enormous change in human history, particularly due to main innovations in payment systems in last decades (Gandhi 2016). The last innovation in payment system concerns mobile payment. The development of mobile payments market can have a positive impact on economic growth (Leon and Rodriguez 2012). Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The main purpose of this article is to analyze, which feature (convenience, speed, availability, ease of use, safety) of mobile payments could be the most important for users from Poland.

Understanding Customer Intention to Use Mobile Payment Services in Nanjing, China

10.31355/22 ◽  
2018 ◽  
Vol 2 ◽  
pp. 049-060 ◽  
Author(s):  
Phuah Kit Teng ◽  
Ting Jenn Ling ◽  
Kelly Wong Kai Seng
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Service Providers ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Mobile Service ◽  
Intention To Use ◽  
Payment Services

NOTE: THIS ARTICLE WAS PUBLISHED WITH THE INFORMING SCIENCE INSTITUTE. Aim/Purpose.............................................................................................................................................................................. This study examines the factors that influence customer intention to use mo-bile payment service in Nanjing, China. It also gains a deeper understanding and better insight of Chinese consumer behavior. Background.............................................................................................................................................................................. Mobile payments services represent a tremendously interesting paradox in the world of telecommunications. Although, they are convenient, quick and easy but there is not still enough evidence on how successful this practice is. In Nanjing, China, consumer intention to use mobile payment is still questionable and remains as a skeptical consideration. Methodology.............................................................................................................................................................................. A survey was conducted in Nanjing, China where 612 respondents were interviewed by self-administrated survey. The modified Theory of Reasoned Action (TRA) and Technology Acceptance Model (TAM) were applied in this study. Descriptive analysis, exploratory factor analysis and multiple regressions were used to accomplish the objective. Contribution.............................................................................................................................................................................. This research provides an insight to the mobile telecommunication industry, marketers, decision makers and academics on the factors that encourage consumers to use mobile payment. Findings.................................................................................................................................................................................... Four factors that influence the consumer behavioral intention were deter-mined in this study (perceived risk, perceived usefulness, subjective norm and attitude). The results of multiple regression indicate that all four variables significantly influence consumer intention to use mobile payment in Nanjing, China, however subjective norm has relatively high impact as compared to others. Recommendations for Practitioners........................................................................................................................................ In order to build a positive expression of the brand, mobile service providers are suggested to enhance the persuasion of the application. As customers provide their privacy information to register for the mobile payment services, providers should strengthen their security system. This not only shapes consumer trust but also prevent privacy leakage. Secondly, mobile payment application providers can imply policies for protecting customer rights from potential risk to increase their agreement of the application. These will lead to unexpected losses financially. Recommendation for Researchers............................................................................................................................................ It is recommended to make a comparison study between two Mobile payment platforms by examining constructs such as usefulness, ease of use, perceived risk as well as security risk, financial risk, social risk and time risk between Alipay and Wechat payment system in China. Impact on Society........................................................................................................................................................................ Various forms of mobile payment have been adopted by Chinese consumers due to convenience, speed and ease of use. Even though mobile payment does not replace physical payment cards but it has been acting as a substitute for paper-based payment method and it is driving demand and consumer usage. However, there the potential for data to leak creates some level of insecurity and skepticism for Chinese costumers. Future Research............................................................................................................................................................................ To have an in depth understanding about the consumer intention to use mobile payment, it is recommended to determine the current customers’ satisfaction level by adopting the SERQUAL model. Qualitative and quantitative research with focus group will be a good approach to get a deeper understanding on the factors that influence consumer to use mobile payment services rather than others payment methods. It is also important to get more information regarding customer satisfaction towards the mobile payment platform.

The Impact of Consumers’ Attitude Towards Mobile Payment Feasibility

2020 ◽  
Vol 17 (2) ◽  
pp. 1127-1142
Author(s):  
Nor Azah Abdul Aziz ◽  
Lam Jia Wen ◽  
Hartini Azman ◽  
Atirah Sufian
Keyword(s):  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Mobile Payments ◽  
Perceived Security ◽  
Payment Services ◽  
The Impact

This study discussed about the impact of consumers’ attitude towards mobile payment feasibility in Malaysia. The research focused on three research objectives which are; (1) to identify the consumers’ concerns that influencing the mobile payments feasibility in Malaysia, (2) to investigate the relationships between perceived security, payment culture, perceived usefulness and perceived ease of use, and (3) to identify the main consumers’ concern that influencing the mobile payment feasibility in Malaysia. In this research, the researcher carried out a survey among the young public to access the performance of mobile payment services available in Malaysia. Besides, the direct opinion from the consumers is able to enhance the insight of the service providers. In conclusion, mobile payment feasibility is important to realise Bank Negara Malaysia (BNM) strategy which is Malaysia becomes a cashless society by 2050.

scholarly journals Assessing Users’ Privacy and Security Concerns of Smart Home Technologies

i-com ◽  
2019 ◽  
Vol 18 (3) ◽  
pp. 197-216 ◽  
Author(s):  
Verena Zimmermann ◽  
Paul Gerber ◽  
Karola Marky ◽  
Leon Böck ◽  
Florian Kirchbuchner
Keyword(s):  
Smart Home ◽  
Elderly Care ◽  
Security And Privacy ◽  
Structured Interviews ◽  
Privacy And Security ◽  
Privacy Concerns ◽  
Private Lives ◽  
Societal Level ◽  
Home Users

AbstractSmart Home technologies have the potential to increase the quality of life, home security and facilitate elderly care. Therefore, they require access to a plethora of data about the users’ homes and private lives. Resulting security and privacy concerns form a relevant barrier to adopting this promising technology. Aiming to support end users’ informed decision-making through addressing the concerns we first conducted semi-structured interviews with 42 potential and little-experienced Smart Home users. Their diverse concerns were clustered into four themes that center around attacks on Smart Home data and devices, the perceived loss of control, the trade-off between functionality and security, and user-centric concerns as compared to concerns on a societal level. Second, we discuss measures to address the four themes from an interdisciplinary perspective. The paper concludes with recommendations for addressing user concerns and for supporting developers in designing user-centered Smart Home technologies.

scholarly journals Predicting Consumer Intention to Use Mobile Payment Services: Empirical Evidence from Vietnam

2016 ◽  
Vol 8 (1) ◽  
pp. 117 ◽  
Author(s):  
The Ninh Nguyen ◽  
Tuan Khanh Cao ◽  
Phuong Linh Dang ◽  
Hien Anh Nguyen
Keyword(s):  
Empirical Evidence ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Future Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Services ◽  
The Impact

<p>Mobile payment has relative advantages compared to other payment methods, thus providing benefits for both consumers and the society. This study attempts to examine factors influencing consumer intention to use mobile payment services. Survey data are used to investigate the impact of consumers’ perceptions of mobile payment services and social influence on use intention. Empirical evidence from 489 Vietnamese consumers confirms a significant relationship between the factors and behavioral intention, and reveals that perceived trust is the strongest predictor of intention to use mobile payment services followed by perceived ease of use, perceived enjoyment, perceived behavioral control, perceived usefulness and subjective norm, respectively. The results contribute to the evolving literature, and suggest that mobile payment service providers should particularly focus on building up consumer trust, and making their services clear, understandable and easy to use. Future research directions for extending this study are also discussed.</p>

Adoption of Mobile Commerce Technology

2012 ◽  
Vol 3 (2) ◽  
pp. 36-49 ◽  
Author(s):  
Emad Abu-Shanab ◽  
Osamah Ghaleb
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Empirical Test ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Privacy Concerns ◽  
Perceived Trust ◽  
The Impact

This research extended the Technology Acceptance Model (TAM) with perceived trust and perceived risks (security and privacy concerns) constructs to identify the impact of these factors on Jordanian users’ intentions to adopt mobile commerce (m-commerce). An empirical test was used utilizing 132 responses from students in two public universities in Jordan. Results indicated that perceived trust, perceived usefulness, and perceived ease of use are major influencers of mobile commerce adoption. On the other hand, perceived risk factors (security and privacy concerns) were not significant in this relation. Discussion, conclusion and future work are stated at the end of this paper.

scholarly journals Privacy and Security Issues in Online Social Networks

2018 ◽  
Vol 10 (12) ◽  
pp. 114 ◽  
Author(s):  
Shaukat Ali ◽  
Naveed Islam ◽  
Azhar Rauf ◽  
Ikram Din ◽  
Mohsen Guizani ◽  
...  
Keyword(s):  
Social Networks ◽  
Online Social Networks ◽  
Virtual Communities ◽  
Service Providers ◽  
Security And Privacy ◽  
Security Issue ◽  
Sensitive Data ◽  
Privacy And Security ◽  
Security Issues ◽  
Social Sphere

The advent of online social networks (OSN) has transformed a common passive reader into a content contributor. It has allowed users to share information and exchange opinions, and also express themselves in online virtual communities to interact with other users of similar interests. However, OSN have turned the social sphere of users into the commercial sphere. This should create a privacy and security issue for OSN users. OSN service providers collect the private and sensitive data of their customers that can be misused by data collectors, third parties, or by unauthorized users. In this paper, common security and privacy issues are explained along with recommendations to OSN users to protect themselves from these issues whenever they use social media.

scholarly journals Influencing Factors for the Acceptance of 3G Mobile Service in Kathmandu Valley

2018 ◽  
Vol 1 (2) ◽  
pp. 135
Author(s):  
Anij Taludhar
Keyword(s):  
Significant Influence ◽  
Service Providers ◽  
User Acceptance ◽  
Mobile Internet ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Kathmandu Valley ◽  
Mobile Service ◽  
Perceived Ease Of Use ◽  
Internet Service

<p>The mobile industry in recent years has been growing at a speedy pace where the use of cell phone is no longer limited to conventional usage like the voice communication, but has enriched the customer experiences with mobile internet services and other value added services. Along with the growing mobile industry, technology behind it is also changing accordingly. However, the user acceptance of technology depends on various factors that lead to either user acceptance or rejection. This study thus aims to identify the major determining factors that influence the user to use the 3G mobile internet and examines the interrelation among the determinants along with effect of the demographic variable limited to Kathmandu Valley users. The conceptual framework of this study is based on the extended version of Davis (1989)’s technology acceptance model using variables social influence, price perception, perceived usefulness, perceived ease of use, attitude to use and behavior intention. The primary survey is conducted using a set of questionnaire, which produced 180 valid responses from the mobile users in Kathmandu Valley. The reliability of the data from questionnaire is verified with factor analysis and Cronbach’s alpha. The result shows that social influence has significant influence on perceived ease of use while it has no significant influence on perceived usefulness. Price perception, on the other hand, influences the perceived usefulness. Similarly, perceived usefulness and perceived ease of use influence the attitude of use, which finally influences the behavioral intention. Along with this, social influence is also found to be the extended factors that can influence the attitude of the users, which in turn affects the behavioral intention. Demographic variables, however in this study, have shown no significant influence on the behavioral intentions. On the whole, the usage of 3G mobile internet service is not seen to be satisfying from the study. The major reasons as surveyed from the users themselves for this lower utilization seems to be higher data costs, presence of cheaper alternatives for internet like Wi-Fi internet, quick drainage of battery and slow mobile internet service provided by the mobile service providers. Thus, for mobile service providers, internet service providers are their direct competitors for 3G mobile internet services. This paper enhances understanding of user acceptance of 3G mobile internet services.</p><p>Journal of Business and Social Sciences Research, Vol. 1, No. 2, pp. 135-152</p>

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