e wallet 兼容性
17293863
On Line E Wallet System with Decentralized Credential Keepers
We propose a generalization of the architecture of an electronic wallet, as first developed in the seminal European research project CAFE. With this model you can leave most of the content of your electronic wallet at the security of your residential electronic keeper, while roaming with your favorite mobile terminals. Emerging mobile handsets with both short range Bluetooth and cellular GPRS communications provide a sufficient communication platform for this electronic wallet architecture. However, new security requirements must be addressed, and new threats of attack must be carefully analyzed and met with appropriate security protocols. The proposed approach is fundamentally distinct from the remote wallet proposals, in that it protects important user requirements and takes a multiparty security approach using a fully decentralized architecture. Technically, the user remains in control of the input/output and usage of his credentials, likely carried by smart cards. At the same time, the model provides a solution to the pressing practical problem of the multitude of special branded cards the user has to carry and sort. Currently used magnetic stripe and chip cards with applications such as debit and credit transactions are easily included within the architecture with minor enhancement to these legacy systems and their functionality. We show in this paper how an account based payment system can be solved with the proposed architecture. Our claim is that users achieve payment mobility and independence of both terminals and payment service providers while maintaining secure access to their payment authorization credentials.
Mob. Networks Appl.
Stig Fr Mjolsnes Chunming Rong
64411476
HIEP: HTB Internet E Wallet Protocol
Table of Contents 1. Introduction 2. Conventions used in the Document 3. HIEP Problem Statements 4. HIEP 5. HIEP Frame Format 6. HIEP Deployment Scenarios 7. Security Considerations 8. IANA Considerations 9. Conclusions 10. References
Teo Engsoon Curtis Yang Jianhua Tong Tian Guorong Jinzhu Wang Monica Zhu
166433988
The Operation Mechanism of E wallet in E business
With the rapid development of national economic construction, e business has gradually improved in China. And the enormous population, gradually increased net users, improved e business technologies and government assistance have offered a great foundation to e business. Consequently, the electronic payment methods, as a new system of payment, have developed together. These new methods of payment which attract most of consumers online for their convenience, simplicity and quickness, give a positive effect to the development of e business. Meanwhile, e wallet (e purse) as one of the new e payment methods used in e business buying small commodities or spending a little, has enjoyed popularity among the consumers online. However, e wallet has lots of problems which lead to narrow application in China in its practical use. Under this circumstance, the paper systematically explains the psychology of consumers online in e business and puts forward the problems in the whole process of e wallet. Then, the paper finds out the effective solutions to these obstacles in purchasing use. Finally, the author wishes that the governors of companies who want to posit in the market of e business should pay more attention to this new payment method and find out some proper marketing strategies to promote the development of e business in China.
Yanni Li Zhijuan Li Yiqun Liu Lihui Xing
216439232
E Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Engineering
The development of electronic wallet (e wallet) aims to encourage customers and small business owners to use digital payments for a safer, cashless, and efficient transaction. This study developed a procedure to discover the transactional framework for the e wallet payment system in the digital economy. This study explained the procedure of the transaction process, starting from registration of user and service provider, payment composition and profit generation for the business model of e wallet provider. This study provides a precise and reliable analysis to increase public awareness about the e wallet transaction. At the same time, the framework in this study functions to help small and medium industries grow in the digital economy segments.
Abu Bakar Nashirah Sofian Rosbi Kiyotaka Uzaki
225456606
COVID 19 and e wallet usage intention: A multigroup analysis between Indonesia and Malaysia
Abstract Physical distancing policy that is encouraged by the World Health Organization (WHO) has inspired consumers to do contactless activities, including payment transaction. Government authorities in a growing number of countries are taking actions to encourage contactless payments as the COVID 19 pandemic escalates. People are worried that novel coronavirus (SARS Cov2) can be transmitted through physical money. It drives them to shift to e wallet. Due to a lack of study on this topic, the present study contributes to the literature by examining the effect of perceived risk, government support, and perceived usefulness on customers' intention to use e wallet during COVID 19 outbreak. To give more fruitful insight, another major contribution of this study is investigating the group difference between Indonesia and Malaysia in the overall model. Questionnaires are distributed to the respondents by using a proportional sampling technique. As a result, 259 total respondents from Indonesia and 207 from Malaysia are collected. Both countries are selected because Indonesia and Malaysia can be considered as the two worst countries in ASEAN affected by COVID 19. The model is tested using PLS Structural Equation Modeling (SEM) approach. The results show that the effects of government support on the intention to use e wallets differ between countries. Besides, perceived usefulness fully mediated government support intention to use e wallets relationship, and partially mediated the effect of perceived risk on intention to use e wallets.
Hendy Mustiko Aji Izra Berakon Maizaitulaidawati Md Husin
226647744
EVALUATING FACTORS THAT LEAD TO CUSTOMER SATISFACTION IN E WALLET SERVICES
The purpose of this study is to evaluate the factors that may lead to customer satisfaction in the E wallet services in Malaysia. E wallet recently introduced by the financial institution as alternative of payment method for customers. Service providers need to know the customer perceptions and find ways to maximize customer satisfaction in order to expend their market share. The study applied quantitative method where data was collected using questionnaires. 500 questionnaires distributed through google form to various social groups among students in Kuala Lumpur. 212 usable responses gathered within a 14 days of grace period given. 3 reminders sent generally to all the social groups to get more participations. The results show that three main factors that are important namely service quality, trust and brand image. Service providers may use the result of analysis in preparing their marketing and communication strategy for their acquisition campaign.
Mohd Farid Shamsudin Siti Hajar Aishah Azuwan Syafiqah Md Nayan Siti Aisyah Esa Baharudin Kadir
224848940
Determinants of the Use of E Wallet for Transaction Payment among College Students
This study aims to determine the factors that influence behavioral intentions to use E wallet. The factors tested include application quality, perceived usefulness, perceived ease of use, and attitude toward using. The population in this study is college students in Jember Regency, Indonesia. Data analysis is carried out using Variance based Partial Least Square. The number of samples used is 180 college students as users of the e wallet application. Six hypotheses are tested, and four hypotheses are successfully accepted. Perceived ease of use has a positive effect on perceived usefulness. Perceived usefulness has a positive effect on attitude toward using e wallet applications. Attitude plays a vital role in behavioral intentions to use e wallets. The quality of the e wallet application does not affect the level of perceived usefulness. The perceived ease of use of the application has no direct effect on attitude. This study's results are beneficial for e wallet providers to increase the level of the use of e wallet.
Alwan Sri Kustono Ardhya Yudistira Adi Nanggala Imam Mas'ud
225902602
E WALLET ADOPTION: A CASE IN MALAYSIA
In line with the rapid growth in internet access, Fintech, online shopping and cross border trading in recent years, mobile payment transactions are expected to be the most prevalent means to complete sales transactions. A RM30 incentive of the use of E wallet was announced for the Malaysia Budget 2020 to spur the use of E wallet in Malaysia, while the central bank of Malaysia (BNM) has launched the Financial Sector Blueprint 2011 2020 aiming to eliminate the issuance of cheques and to increase e payments, which accelerate the speed of transformation into a cashless society and stimulate the shift towards the electronic payment era. This paper contributes by examining the E wallet adoption behavior of Malaysian smartphone users. The UTAUT model has been used. Data from 210 respondents were collected through an online survey. The findings show that three quarter of Malaysians have tried or started to use E wallet, despite that it is still not a very common payment option. Half are spending less than RM100 per month using E wallet with the average amount per transaction of not more than RM50. Partial least squares structural equation modelling (PLS SEM) is applied. The results reveal performance expectation, effort expectation and social influence have positive impact on the use behavior of E wallet, whilst the perceived risk and perceived costs have no significant influence. Being at the infant stage of E wallet in Malaysia, the regulators and retailers should focus their efforts on promoting the benefits brought by
Melissa Teoh Teng Tenk Hoo Chin Yew Lee Teck Heang
214701518
Innovation resistance and perceive novelty on e wallet services
E wallet, or also known as the digital wallet is a structure that saves users' pins and payment information securely as a means of transaction. Because of the progress of mobile technologies, the use of e wallet facilities is increasing globally, including in Indonesia. In comparison, on e wallet services, less attention is paid to user related Innovation Resistance issues. This paper aims to review the Innovation Resistance Theory that consists of Use, Value, Risk, Tradition, and Image Barrier to investigate e wallet resistance. This study views perceived novelty factor which proposed in previous studies that focused on mobile application and e wallet services. The result of this paper is regarded as essential to provide a baseline for future e wallet services to accommodate user needs and increase e wallet utilization.
Muhammad Fikry Aransyah Juliansyah Roy Yesi Aprianti
225015185
Trust dan Perceived Usefulness dan Pengaruhnya Terhadap Preferensi Konsumen Dalam Menggunakan E wallet
The bloom of banking and fintech companies in Indonesia is marked by the rapid growth of e wallet users in recent years. The bloom is encouraged by the government by establishing the Gerakan Nasional Non Tunai program to promote cashless society among millennials who are already familiar with cashless lifestyle. There are many factors which attract people to use e wallet, such as trust, usefulness, and promotion. This research aims to examine the effect of trust and perceived usefulness moderated by the promotion variable on consumers' preference towards two e wallet brands OVO and GoPay. This quantitative research is conducted using Likert scale. The Analysis of Variance (ANOVA) method is used to examine whether each variable has different effect in shaping consumers' preference. The samples used in this research are active users of OVO and GoPay who are currently living in Semarang. The ANOVA results show that trust, usefulness, and promotion does not have different effect in shaping consumers' preference. However, they do attract consumers to use e wallet. This research might be useful to help develop better quality of e wallet service, security, and utility and build a perfect marketing strategy for banking and fintech companies.
Vania Katherine Hermawan Eristia Lidia Paramita