Secure Payment in Mobile Business

2009 ◽  
pp. 578-583
Author(s):  
Chitra Subramanian
Keyword(s):  
Mobile Device ◽  
Business Processes ◽  
Mobile Services ◽  
Mobile Commerce ◽  
Mobile Payment ◽  
Mobile Business ◽  
Point Of Sale ◽  
Goods And Services ◽  
Vending Machines ◽  
Payment Services

Mobile commerce offers consumers the convenience and flexibility of mobile services anytime and at any place. Secured and private mobile business processes using a mobile gadget for payments are essential for the success of mobile commerce. Mobile payment is the process of two parties exchanging financial value using a mobile device in return for goods and services. This chapter is an analysis of the secure mobile payment services for real automated point of sale (PoS), which are frequently used in terminals such as vending machines.

scholarly journals Contractual Obligations Between Mobile Service Providers and Users

2009 ◽  
pp. 1929-1936 ◽  
Author(s):  
Robert Willis ◽  
Alexander Serenko ◽  
Ofir Turel
Keyword(s):  
Mobile Computing ◽  
Customer Loyalty ◽  
Mobile Services ◽  
Mobile Commerce ◽  
Customer Relationship ◽  
Mobile Service ◽  
Goods And Services ◽  
Order Construct ◽  
Contractual Obligations ◽  
Strong Body

The purpose of this chapter is to discuss the effect of contractual obligations between users and providers of mobile services on customer loyalty. One of the unique characteristics of mobile commerce that distinguishes it from most other goods and services is the employment of long-term contractual obligations that users have to accept to utilize the service. In terms of over-the-counter products, sold in one-time individual transactions in wellestablished markets, a strong body of knowledge exists that suggests that businesses may enhance loyalty through the improvement of quality and customer satisfaction levels. With respect to mobile commerce, however, this viewpoint may not necessarily hold true given the contractual nature of business-customer relationships. In the case of mobile computing, it is suggested that loyalty consists of two independent yet correlated constructs that are influenced by different factors: repurchase likelihood and price tolerance. Repurchase likelihood is defined as a customer’s positive attitude towards a particular service provider that increases the likelihood of purchasing additional services or repurchasing the same services in the future (e.g., after the contract expires). For example, when people decide to purchase a new mobile phone, they are free to choose any provider they want. In other words, repurchase likelihood is not affected by contractual obligations. In contrast, price tolerance corresponds to a probability of staying with a current provider when it increases or a competitor decreases service charges. In this situation, individuals have to break the existing contractual obligations. Currently, there is empirical evidence to suggest that the discussion above holds true in terms of mobile computing. However, there are few well-documented works that explore this argument in depth. This chapter attempts to fill that void. This chapter will present implications for both scholarship and practice. In terms of academia, it is believed that researchers conducting empirical investigations on customer loyalty with mobile services should be aware of the two independent dimensions of the business-customer relationship and utilize appropriate research instruments to ensure the unidimensionality of each construct. With regards to practice, it is suggested that managers and marketers be aware of the differences between repurchase likelihood and price tolerance, understand their antecedents, and predict the consequences of manipulating each one. It is noted that overall loyalty is not the only multidimensional constuct in mobile commerce. Recently, it was emperically demonstrated that perceived value of short messaging services is a second-order construct that consists of several independent yet correlated dimensions (Turel et al., 2007)

An Overview on Augmented Reality Based Mobile Commerce Recommendation

2013 ◽  
Vol 347-350 ◽  
pp. 3297-3301
Author(s):  
Min Jing Peng ◽  
Bo Li
Keyword(s):  
Information Processing ◽  
Augmented Reality ◽  
Recommendation Systems ◽  
Interaction Model ◽  
Mobile Commerce ◽  
Mobile Internet ◽  
Mobile Business ◽  
User Interests ◽  
Goods And Services ◽  
Business Environments

Mobile commerce brings new requirements for the models of e-commerce recommendation systems. Due to the advantage of field experience of mobile internet devices, augmentation reality would be considered as a suitable technology platform for the implementation of e-commerce recommendation in mobile commerce. Specifically, the idea of using augmented reality to extract user instant interests and render recommended instant information would demonstrate its strong vitality. Currently, the research of augmented reality based mobile commerce recommendation systems consists of three parts: recommendation information processing, recommendation information presentation and augmented reality based interaction. Information processing refers to the use of techniques such as collaborative filtering analysis of user interests, goods or services to decide what information should be recommended to the user. Information representation refers to the way in which recommended information is transmitted to users. Augmentation reality based interaction model is responsible for the interaction of users with the goods and services information, is a concrete manifestation of the recommended way of e-commerce in the mobile business environments. In this paper, the feasibility and main techniques of augmented reality technology used in mobile commerce were analyzed, and the prospects for its applications were looked forward to.

scholarly journals A STUDY ON FUTURE OF MOBILE BASED PAYMENT FOR GOVERNMENT SERVICES IN INDIA

2020 ◽  
Vol 8 (2) ◽  
pp. 118-123
Author(s):  
Ashish Jaiswal
Keyword(s):  
Cost Efficiency ◽  
Mobile Payment ◽  
Government Agencies ◽  
Government Services ◽  
Goods And Services ◽  
Mobile Payments ◽  
Payment Services ◽  
The Government ◽  
Digital Payments

Digital India programme of Government of India has promoting and encouraging the usage of digital payments for the various goods and services being availed by the citizens. The Government wants to develop a Digitally Empowered economy through the cashless transactions. As far as government agencies are concerned, mobile based payment is a noteworthy development on various domains, because it is going to increase ease and productivity for both the agencies and citizens themselves. Citizens who are using the Government services are concerned of the privacy of the data and information. Government needs to evaluate the procedure from beginning to end to ensure it meets strict standards and keeps information private. Poor literacy levels are a problem with this technology. The mobile payment services have to be effective in terms of usability, cost, efficiency, interoperability and security for transactions of all categories of citizens. Mobile payments options needs to be available even on low end mobile handsets.

M-Commerce Payment Systems

2009 ◽  
pp. 192-212
Author(s):  
Valli Kumari Vatsavayi ◽  
Ravi Mukkamala
Keyword(s):  
Mobile Commerce ◽  
Mobile Payment ◽  
Mobile Environments ◽  
Digital Goods ◽  
Payment Systems ◽  
Customer Base ◽  
The Core ◽  
Payment Services ◽  
Large Customer

With mobile operators having a large customer base and e-payments getting popular, there is a shift of focus on the huge potential that the mobile commerce (m-commerce) market offers. Mobile payment (m-payment) service is the core for the success of m-commerce. M-payments allow customers to buy digital goods from anywhere and anytime using Internet and mobile environments. Ubiquity, reachability, localization, personalization, and dissemination of information are the characteristics that favor m-payments and encourage the consumers and merchants to use them. This chapter examines various aspects of m-payments like architectures, limitations, security, and trust issues. It also discusses and compares the existing payment procedures of several different companies providing m-payment services. While exploring the advantages of shifting to m-payments, the problems that have to be dealt with when adopting new solutions are discussed. Finally, the chapter concludes by identifying a common set of requirements criteria for successful global m-payments.

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.

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>

scholarly journals Technology Adoption and Consumer Payments: Evidence from Survey Data

2003 ◽  
Vol 2 (2) ◽  
Author(s):  
Fumiko Hayashi ◽  
Elizabeth Klee
Keyword(s):  
Technology Adoption ◽  
Survey Data ◽  
New Technologies ◽  
New Technology ◽  
The Internet ◽  
Electronic Payment ◽  
Point Of Sale ◽  
Goods And Services ◽  
Transaction Value ◽  
Debit Cards

Consumers pay for hundreds of goods and services each year, but across households and across goods, consumers do not choose to pay the same way. This paper posits that payment choices depend in part on consumers' propensity to adopt new technologies and in part on the nature of the transaction. To test this hypothesis, this paper analyzes consumer's payment instrument use at the point of sale and for bill payment. The sample includes consumers surveyed in 2001, who are primarily users of the Internet. The results indicate that consumers who use new technology or computers are more likely to use electronic forms of payment, such as debit cards and electronic bill payments. Particularly, the use of direct deposit is a significant predictor of electronic payment use. Furthermore, the results indicate that payment choice depends on the characteristics of the transaction, such as the transaction value, the physical characteristics of the point of sale, and a bill's frequency and value variability.

scholarly journals The influence of dimensions of organisational culture on supply chain performance in selected state-owned enterprises in Zimbabwe

2018 ◽  
Vol 12 ◽  
Author(s):  
Michael Musanzikwa ◽  
Manduth Ramchander
Keyword(s):  
Supply Chain ◽  
Customer Satisfaction ◽  
Strategic Alliances ◽  
Business Processes ◽  
Growth Time ◽  
Environmental Scanning ◽  
Supply Chain Performance ◽  
Goods And Services ◽  
Cultural Variables ◽  
Customer Learning

Background: Despite being strategic, state-owned enterprises (SOEs) have failed to fulfil their mandate. Supply chain performance is ineffective largely because of weak organisational culture.Objectives: To explore the extent to which organisational cultural factors have influenced the supply chain performance of SOEs, review the literature; effectiveness of attaining financial targets, customer satisfaction, internal business processes, learning and growth; time orientation on the supply chain metric of delivery. The supply chain metric of flexibility; profitability on cost reduction; ‘no ownership’ culture on decision-making; and the level of customer satisfaction.Method: A mixed-method was used. The population comprised managers, employees and clients of eight selected SOEs. Judgmental, random and convenience sampling were employed. Questionnaires and interviews were the research instruments and quantitative and qualitative analyses were conducted. Findings are presented thematically, in line with the research questions.Results: SOEs were not meeting financial targets, not satisfying customers, poor internal business processes not attaining learning and growth targets. Organisational cultural variables were weak; affecting flexibility, no timely delivery of goods and services. Also influenced the behaviour of human resources and an indirect effect on customer satisfaction, cost-saving and profitability in the SOEs.Conclusion: The SOEs failed to meet financial, customer, learning and growth targets. The internal business processes were not effective. The culture did not promote efficiency. The study recommends that commitment of leadership on human behaviour is necessary for effective supply chain performance and strategy implementation. Constant environmental scanning, strategic alliances, rationalisation of remuneration and sound corporate governance are essential.

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

2011 ◽  
Vol 2 (4) ◽  
pp. 17-37 ◽  
Author(s):  
Amira F. A. Mahran ◽  
Hala M. Labib Enaba
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Behavioral Control ◽  
Mobile Services ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Proposed Model ◽  
Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

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