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.

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.

Efficient Mobile Payment System Using a near Field Communication (NFC)

2012 ◽  
Vol 263-266 ◽  
pp. 2785-2791
Author(s):  
Yun Seok Lee ◽  
Eun Kim ◽  
Sung Jin Kim ◽  
Min Soo Jung
Keyword(s):  
Mobile Devices ◽  
Hash Function ◽  
Near Field ◽  
High Strength ◽  
Payment System ◽  
Public Key ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Symmetric Key ◽  
Lightweight Authentication

Today, users can access in the network environments anywhere and anytime through a mobile devices. These environments also can be able to perform mobile payment through these devices anytime and anywhere. Especially, in case of a recently being spotlighted NFC can operate high-strength crypto algorithms unlike the existing RFID. And also, this supports the technology as ‘Tag to Device’, ‘Device to Device’. Recently, various studies are being actively researched about the mobile payment system through these NFC devices. In case of existing papers are performed payment steps using most of a Public Key(PKI) or Symmetric-Key based heavy crypto algorithms, therefore, can be slow than how to use a hash-function and XOR. And also, environment construction of tracing, storing and managing about payment information is not strong. In this paper, to solve these problems, we were able to improve on performing time by lightweight authentication method using a hash function and XOR algorithms. And also, we designed that data about the payment information safe can be stored into the USIM File System. Thus, because of this method, we propose a scheme that can be traced about the deny payment.

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. 

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 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.

scholarly journals Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

2020 ◽  
Vol 12 (13) ◽  
pp. 5443 ◽  
Author(s):  
Francisco Liébana-Cabanillas ◽  
Inmaculada García-Maroto ◽  
Francisco Muñoz-Leiva ◽  
Iviane Ramos-de-Luna
Keyword(s):  
Structural Equation ◽  
Payment System ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Online Questionnaire ◽  
Business World ◽  
Mobile Payments ◽  
Widespread Acceptance ◽  
Apple Pay

Current developments in information technology and communications, as well as the significant transformations the business world is being forced to make, are generating an opportunity for widespread acceptance of mobile payments. The present research analyzes the intention to use the Apple Pay mobile payment system, as well as contextualizing and evaluating the different antecedents of its use. To carry out the research, 539 users were invited to respond to an online questionnaire, and an analysis of structural equation modeling was used. The results indicate that perceived value is the variable that most influences the intention to use the proposed payment system, followed by perception of utility and risk. This work has important implications for companies in the sector.

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