Mobile Payments in the Netherlands: Adoption Bottlenecks and Opportunities, or… Throw Out Your Wallets

Het doel van dit onderzoek is het analyseren van de marktgrootte van mobiel betalen en de bijbehorende omzetbasis, alsmede de invoering van knelpunten, om inzicht te verkrijgen in de introductie en ontwikkeling van mobiele bankservices in Nederland. Het onderzoek beschrijft verscheidene aspecten van mobiel betalen/mobiel bankieren in Nederland. Onderwerpen als implementatie, wetgeving, geschatte businesscase, aanbevolen businessmodel, ontwikkelingsscenario’s, een SWOT - analyse van technische oplossingen, organisatorische knelpunten, een analyse van de redenen van succes en falen en openstaande problemen en uitdagingen komen aan de orde. Het voornaamste doel van het onderzoek is het trachten te beantwoorden van de vraag of er een markt voor mobiel betalen is in Nederland en een analyse geven van waarom mobiele bankservices niet succesvol zijn geweest in Nederland. Bovendien dient gemeld te worden dat de focus van dit verslag lag op microbetalingen, waar over het algemeen betalingen tot €10 onder verstaan worden.The purpose of this research report is to analyse the mobile payment market size and its revenue basis, as well as adoption bottlenecks, in view of establishing the adoption and deployment of mobile banking services in The Netherlands. The research report describes various aspects with regard to mobile payments/mobile banking in The Netherlands. Issues like implementation, regulatory framework, estimated business case, deployment scenario’s, recommended business model, a SWOT analysis of the technical solutions, organisational bottlenecks, an analysis of the reasons for success and failures, and open issues and challenges are addressed. The main aim is to try to answer the question whether there is a market in The Netherlands for mobile banking services, and providing an analysis of why M-banking services have not been so successful in The Netherlands. Furthermore, it needs to be mentioned that the focus of this paper was on micro-payments, which are generally considered to be payments of up to €10

Mobile e-commerce: study and model generation, implementation issues and analysis

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Quality assessment technique for ubiquitous software and middleware

The new paradigm of computing or information systems is ubiquitous computing systems. The technology-oriented issues of ubiquitous computing systems have made researchers pay much attention to the feasibility study of the technologies rather than building quality assurance indices or guidelines. In this context, measuring quality is the key to developing high-quality ubiquitous computing products. For this reason, various quality models have been defined, adopted and enhanced over the years, for example, the need for one recognised standard quality model (ISO/IEC 9126) is the result of a consensus for a software quality model on three levels: characteristics, sub-characteristics, and metrics. However, it is very much unlikely that this scheme will be directly applicable to ubiquitous computing environments which are considerably different to conventional software, trailing a big concern which is being given to reformulate existing methods, and especially to elaborate new assessment techniques for ubiquitous computing environments. This paper selects appropriate quality characteristics for the ubiquitous computing environment, which can be used as the quality target for both ubiquitous computing product evaluation processes ad development processes. Further, each of the quality characteristics has been expanded with evaluation questions and metrics, in some cases with measures. In addition, this quality model has been applied to the industrial setting of the ubiquitous computing environment. These have revealed that while the approach was sound, there are some parts to be more developed in the future

Mobile commerce over GSM: A banking perspective on security

GSM has changed the face of communication and information exchange, much as the Internet did. With the advances made in the mobile technology arena, new opportunities are created. Mobile Commerce (m-Commerce) is one such opportunity. Each new advance in technology brings with it associated risks. This dissertation focuses on the risks involved with m-Commerce for the banking industry. This dissertation provides a detailed overview of basic services that any m-Commerce application should provide to the banking industry. These principles provide the foundation for securing any financial transaction over untrusted networks. Several mechanisms to provide these services are also discussed. Examples of such mechanisms include hash functions, Message Authentication Codes and Digital Signatures. The security of GSM networks has come under attack in the past. This is largely due to the fact that the GSM consortium opted to develop their security technologies in secret, rather than in the public domain. This dissertation aims to evaluate the security offered by GSM and assess potential attacks in order to further understand risks associated with m-Commerce applications over GSM. In recent years there have been significant additions to the GSM enabling technology family. The arrival of the SIM Application Toolkit and the Wireless Application Protocol promised to again change the face of commerce. Although market acceptance of these technologies proved to be initially slow, usage is set to increase exponentially within the next couple of years. A detailed analysis of these enabling technologies is presented in the dissertation. Possible attacks on these technologies are discussed in the latter part or this document. Based on the findings of the research, some changes to either the application architectures or the processing of the data have been suggested in order to enhance the security offered by these services. It is not the intent of this dissertation to redesign these applications, but to rather leverage off the current technologies in order to enable secure m-Commerce over these channels. This dissertation provides a detailed overview of basic services that any m-Commerce application should provide to the banking industry. These principles provide the foundation for securing any financial transaction over untrusted networks. Several mechanisms to provide these services are also discussed. Examples of such mechanisms include hash functions, Message Authentication Codes and Digital Signatures. The security of GSM networks has come under attack in the past. This is largely due to the fact that the GSM consortium opted to develop their security technologies in secret, rather than in the public domain. This dissertation aims to evaluate the security offered by GSM and assess potential attacks in order to further understand risks associated with m Commerce applications over GSM. In recent years there have been significant additions to the GSM enabling technology family. The arrival of the SIM Application Toolkit and the Wireless Application Protocol promised to again change the face of commerce. Although market acceptance of these technologies proved to be initially slow, usage is set to increase exponentially within the next couple of years. A detailed analysis of these enabling technologies is presented in the dissertation. Possible attacks on these technologies are discussed in the latter part or this document. Based on the findings of the research, some changes to either the application architectures or the processing of the data have been suggested in order to enhance the security offered by these services. It is not the intent of this dissertation to redesign these applications, but to rather leverage off the current technologies in order to enable secure m-Commerce over these channels.Dissertation (M.Sc (Electronics))--University of Pretoria, 2005.Electrical, Electronic and Computer Engineeringunrestricte

Developing a Mobile-Commerce Financial Transaction Processing Model

The topic for this Master’s Thesis is selected in compliance with the guidelines to complete a Master of Science in Applied Computer Science at Columbus State University. The problem to be addressed by this thesis is to produce an open standard for an m-commerce financial transaction processing system based on current e-commerce standards and mobile technology. This solution was to be specifically designed to build upon the strengths of a mobile platform using current smartphone and tablet technology. An open source software stack in combination with a cloud computing solution was used to create a working example of the specification. Load testing and Denial of Service attack testing were completed to test the stability and capacity of the implementation. It was found that the initial implementation of the specification was able to accommodate a moderate level of concurrent transactions and connected users. It was also found that the system was brought down with a slow header denial of service attack, but was able to withstand a slowloris denial of service attack. An Android native application was built as a sample implementation of a mobile client for the system

Study, Analysis and Modeling of IP Multimedia systems on next generation networks providing mobile and fixed multimedia services

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Service Oriented Mobile Computing

La diffusione di concetti quali Pervasive e Mobile Computing introduce nell'ambito dei sistemi distribuiti due aspetti fondamentali: la mobilità dell'utente e l'interazione con l'ambiente circostante, favorite anche dal crescente utilizzo di dispositivi mobili dotati di connettività wireless come prodotti di consumo. Per estendere le funzionalità introdotte nell'ambito dei sistemi distribuiti dalle Architetture Orientate ai Servizi (SOA) e dal paradigma peer-to-peer anche a dispositivi dalle risorse limitate (in termini di capacità computazionale, memoria e batteria), è necessario disporre di un middleware leggero e progettato tenendo in considerazione tali caratteristiche. In questa tesi viene presentato NAM (Networked Autonomic Machine), un formalismo che descrive in modo esaustivo un sistema di questo tipo; si tratta di un modello teorico per la definizione di entità hardware e software in grado di condividere le proprie risorse in modo completamente altruistico. In particolare, il lavoro si concentra sulla definizione e gestione di un determinato tipo di risorse, i servizi, che possono essere offerti ed utilizzati da dispositivi mobili, mediante meccanismi di composizione e migrazione. NSAM (Networked Service-oriented Autonomic Machine) è una specializzazione di NAM per la condivisione di servizi in una rete peer-to-peer, ed è basato su tre concetti fondamentali: schemi di overlay, composizione dinamica di servizi e auto-configurazione dei peer. Nella tesi vengono presentate anche diverse attività applicative, che fanno riferimento all'utilizzo di due middleware sviluppati dal gruppo di Sistemi Distribuiti (DSG) dell'Università di Parma: SP2A (Service Oriented Peer-to-peer Architecture), framework per lo sviluppo di applicazioni distribuite attraverso la condivisione di risorse in una rete peer-to-peer, e Jxta-Soap che consente la condivisione di Web Services in una rete peer-to-peer JXTA. Le applicazioni realizzate spaziano dall'ambito della logistica, alla creazione di comunità per l'e-learning, all'Ambient Intelligence alla gestione delle emergenze, ed hanno come denominatore comune la creazione di reti eterogenee e la condivisione di risorse anche tra dispositivi mobili. Viene inoltre messo in evidenza come tali applicazioni possano essere ottimizzate mediante l'introduzione del framework NAM descritto, per consentire la condivisione di diversi tipi di risorse in modo efficiente e proattivo