Facial Skincare Products’ Recommendation with Computer Vision Technologies

Acne is a skin issue that plagues many young people and adults. Even if it is cured, it leaves acne spots or acne scars, which drives many individuals to use skincare products or undertake medical treatment. On the contrary, the use of inappropriate skincare products can exacerbate the condition of the skin. In view of this, this work proposes the use of computer vision (CV) technology to realize a new business model of facial skincare products. The overall framework is composed of a finger vein identification system, skincare products’ recommendation system, and electronic payment system. A finger vein identification system is used as identity verification and personalized service. A skincare products’ recommendation system provides consumers with professional skin analysis through skin type classification and acne detection to recommend skincare products that finally improve skin issues of consumers. An electronic payment system provides a variety of checkout methods, and the system will check out by finger-vein connections according to membership information. Experimental results showed that the equal error rate (EER) comparison of the FV-USM public database on the finger-vein system was the lowest and the response time was the shortest. Additionally, the comparison of the skin type classification accuracy was the highest.

Transformation electronic payment system as predictor on financial satisfaction

Digitalization in Indonesia has entered a new phase, the development of technology that makes several services run more efficiently and more flexible. Digital services that are quite complex are financial services such as electronic payment systems. Currently, the payment system is able to increase the overall satisfaction of the individual. This study examines the role of using an electronic payment system and the determinants of individual financial satisfaction as a whole. This study uses structural equation modeling (SEM) to test hypotheses regarding financial satisfaction. The results of this study prove that financial capability is able to increase financial satisfaction. However, different results show that the use of an electronic payment system does not affect financial satisfaction. This finding can expand the literature review on digital awareness, satisfaction and behavior in addressing individual financial satisfaction.

Device Identity-Based User Authentication on Electronic Payment System for Secure E-Wallet Apps

E-wallets are a modern electronic payment system technology that easily recognize consumer interest, making our transactions very convenient and efficient. E-wallets are intended to substitute the existing physical wallet, which may tell others something about us as a person. That is why using a physical wallet is a unique, personal experience that cannot be duplicated. A solution would be to replace the physical wallet with an e-wallet on an existing mobile device. The personal nature of the e-wallet is that it should be installed on a unique device. One of the fundamental protections against any illegal access to e-wallet application is through authentication. In particular, the fundamental authentication category used in an existing e-wallet is based on knowledge (i.e., what you know), ownership (i.e., what you have), and biometric (i.e., what you are) authentication, which are sometimes prone to security threats such as account takeover, sim swapping, app cloning, or know your customer verification attacks. The design of an e-wallet authentication on mobile device solution must take into consideration the intensity of the security. To address this problem, this study proposes a design of e-wallet apps with an extension security element that focuses on the device identity in the existing user authentication mechanism. This study covers four fundamental categories of authentication: password, one time password, fingerprints, and international mobile equipment identifier. Using IMEI limits an e-wallet to be in one specific device in one time; this brings it into line with the nature of a physical wallet. In addition, it will be ready to handle the mentioned threats above, which will ultimately result in the far more reliable to use of e-wallet apps. The proposed authentication design has two phases, a registration phase and an authentication phase. The proposed method has been developed and implemented based on an Android Studio Firebase real-time database management and PayPal. In addition, the complete design has been evaluated using functional requirement testing to see how closely it meets functionality requirements. The results obtained from functional testing show that the functionalities of the proposed method meet the requirements, and one cannot use a same account on two devices; hence, it is secure from attacks. The result also shows that the proposed method has no errors. Moreover, it has been shown that our proposed method has better security parameters in terms of the existing method.

Perceived Security and Trust in Electronic Payment Systems: How They Affect the Decision to Use EPS During the COVID-19 Pandemic

Research aims: This study is intended to determine the influence of perceived security and trust on the decision to use digital payment systems during the COVID-19 pandemic.Design/Methodology/Approach: The type of data used in this study was primary data, which was collected using an online survey. Sample used in this study determined by purposive sampling method. The information collected was handled and analyzed using SEM-PLS.Research findings: This study shows the results that the presence of technical protection explicitly affects the perception of security and trust significantly. In addition, security also greatly affects an individual's confidence in the use of digital payment systems. However, of the various findings made in this study, trust is the only one that influences the choice in using EPS.Theoretical contribution/Originality: During this pandemic Covid-19, limited studies talk about consumers’ perceptions instead of technical protection of digital payment in detail. Meanwhile, consumers' security is the thing that needs to be studied further to create a comprehensive study result.Practitioner/Policy implication: Results of this study give some implications for the EPS providers to complete and develop a secure EPS system for users, especially in this pandemic era when the EPS users increase and people’s mobility is restricted in some areas.Research limitation/Implication: The implication of this research is to emphasize the importance of one's knowledge regarding risks when using an electronic payment system. It is because the use of EPS in the pandemic era is unavoidable. Therefore, not only providers must improve their security systems, but users must also be aware of the EPS risks and security. Nevertheless, the limitation of this study is that it only used samples in Indonesia; maybe the results will be different when applied in other countries with better EPS security systems.

Dispute Settlement Analysis and Refused Claims in Payment Gateway Transactions on Paypal Indonesia

In transactions using Paypal, of course, there are many reasons for the risk of disputes occurring, ranging from delays in delivery, damaged goods, and transactions without authorization. The problem will be different when they carry out business transactions in different regions of the country and they have different nationalities. The research method uses a normative and empirical juridical approach, a normative juridical approach is carried out by studying legal norms or rules, while the empirical approach is carried out by direct interviews with sources who will relate to research problems, the data analysis used is qualitative. In trading transactions via the internet, trade is generally carried out by people who are located and subject to different countries and jurisdictionsThe legal relationship between Payment Gateway Users and Payment Gateway Providers At Fintech Paypal Indonesia is where the parties involved in the electronic payment system include consumers, business actors, acquirers, issuers and payment gateway providers. legal relationships that arise between consumers, business actors, acquirers, issuers and payment gateway operators are born from agreements made by the parties. Dispute Resolution and Chargeback Claims in Payment Gateway Transaction activities on Paypal Fintech where the paypal system provides services can communicate directly with the seller by opening a dispute at the Paypal Dispute Settlement Center. if it is not completed in following the policies provided by paypal services, consumers or business actors can ask for recommendations to mediate to the paypal service center but if they are not finished, business actors and consumers can resolve disputes through litigation, which usually business actors are subject to the applicable law, applies where the consumer is a national.

On Pooled OLS and Panel Regression Models for Assessing the Contributions of Electronic Payment System on Commercial Banks Profitability

This study examined the impact of electronic payment system on the profitability of commercial banks in Nigeria. Pooled OLS and Panel regression models were fitted on the data extracted from the banks’ annual reports, Nigerian interbank settlement scheme, and central bank of Nigeria website. The assessment of the contribution of the various electronic payment systems considered were measured using Breusch and Pagan Lagrangian Multiplier (LM) Test, the Hausman Test, Stationarity Test, The Schwarz Criterion, and the Akaike Information Criterion. Results obtained showed that the random effect model was more appropriate than the fixed effect model for all the electronic payment systems considered in this study. Furthermore, it was discovered that there exists a positive relationship between the electronic payment systems and profitability of the commercial banks in Nigeria.

ANALYSIS OF THE PROSPECTS FOR THE DEVELOPMENT OF PAYMENT SYSTEMS IN RUSSIA

The relevance of the chosen topic lies in the study of payment systems, in identifying the advantages of a non-cash form of circulation over cash, and in also formulating the main problems that slow down their development. The article gives an interpretation of the concept of a payment system, high-lights its subsystem-an electronic payment system, and presents the main types of payment systems used by Russian payers. Based on the analytical information about the historical formation of pay-ment systems in Russia, their current level of development, their main prospects are formulated.

Factors That Influence the Adoption of E-Wallets by the Malaysians

E-wallet has become a new payment method in the global trend, replacing cash payment gradually. Malaysia's national bank has set out objectives to move to a cashless society with electronic payment system in its Financial Sector Blueprint 2011-2020. Hence, this research aims to investigate the drivers that affect the behavioural intention of consumers towards the adoption of e-wallets in Malaysia. Performance expectancy, effort expectancy, and social influence are the three factors adopted from the unified theory of acceptance and use of technology model (UTAUT) to demonstrate the intention of consumers on e-wallet adoption. Additionally, perceived security and incentives are integrated into the research model to examine the factors that affect the e-wallet adoption. Four hundred fifty questionnaires were collected and analysed. The results show that all the factors have positive relationship with intention of e-wallet adoption. The research findings contribute to various parties such as the academicians, researchers, service providers, financial institutions, and the government.