An Exploratory Study on the Impact of Trust on Different E-Payment Gateways: Octopus Card Vs. Credit Card

The study of trust of consumer on Business-to-Consumer (B2C) E-commerce is one of the key research interests of Information Systems (IS) researchers. In this research, we investigate the impact of trust on two different E-payment gateways, viz. online credit card payment system and the hypothetical online Octopus card (a stored-value smart card) payment system. Based on the model developed by Gefen et al. (2003) and McKnight et al. (2002a), we synthesize our own research model by incorporating disposition to trust, and trust and its antecedents with the Technology Acceptance Model (TAM). An online survey was conducted on the Government-to-Citizen (G2C) E-commerce portal of the Hong Kong Government and 2,481 usable responses were collected. The empirical result shows that consumers in Hong Kong are using different trust building processes to consider their adoption for E-payment gateways

Simulating Congestion Dynamics of Train Rapid Transit using Smart Card Data

Investigating congestion in train rapid transit systems (RTS) in today's urban cities is a challenge compounded by limited data availability and difficulties in model validation. Here, we integrate information from travel smart card data, a mathematical model of route choice, and a full-scale agent-based model of the Singapore RTS to provide a more comprehensive understanding of the congestion dynamics than can be obtained through analytical modelling alone. Our model is empirically validated, and allows for close inspection of the dynamics including station crowdedness, average travel duration, and frequency of missed trains---all highly pertinent factors in service quality. Using current data, the crowdedness in all 121 stations appears to be distributed log-normally. In our preliminary scenarios, we investigate the effect of population growth on service quality. We find that the current population (2 million) lies below a critical point; and increasing it beyond a factor of $\sim10\%$ leads to an exponential deterioration in service quality. We also predict that incentivizing commuters to avoid the most congested hours can bring modest improvements to the service quality provided the population remains under the critical point. Finally, our model can be used to generate simulated data for analytical modelling when such data are not empirically available, as is often the case.Comment: 10 pages, 5 figures, submitted to International Conference on Computational Science 201

PENJUALAN PONSEL PINTAR TANPA GARANSI RESMI DI TENGGARONG BERDASARKAN UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN

ABSTRACTSince Law Number 8 of 1999 concerning Consumer Protection has been enacted and along with the development of technology, the use of technolopgy products, especially telematics and electronic products in Indonesia, has experienced rapid development from year to year. Warranty is a full stage transaction from the stages of consumer transactions. Considering the importance of the after-sales guarantee / guarantee card and to complete the UUPK, the Minister of Trade Regulation of the Republic of Indonesia Number 19 / M-DAG / PER / 5/2009 was issued. With this regulation, it is expected that consumers can avoid purchasing defective or damaged products. The author in conducting this research uses the method of empirical juridical research, namely research carried out by collecting data directly from competent parties in connection with the object under study, for this method of interviewing with staff and agencies is related to the object of this research to obtain primary data. aims to find out the legal consequences for businesses that trade smart phones without an official guarantee in Tenggarong city and find out the settlement efforts for consumers who have been harmed by buying smart phones without an official guarantee under Law Number 8 of 1999 concerning Consumer Protection.KEY WORDS:Due to Law, Consumer Protection, UUP

Consumer Attitudes Regarding Information Technology Usage

This paper intends to formulate the hypotheses for the factors that influence individuals to adopt Information Technology as a mean to conduct the traditional services. The hypotheses are developed based on previous works utilizing the theories on technology acceptance and on related findings from empirical studies on information technologies, e-commerce and e-banking.consumer, electronic services, hypotheses, influence factors, theories of technology acceptance

Surveys on Electronic Money

This paper investigates the views of electronic money operators and innovators on the possibilities and implications of e-money, especially with respect to replacing central bank money as well as technical issues regarding e-money, its implications for the financial industry and central banking. This has been done using surveys of major e-money innovators and operators, based on the assumption that these operators and innovators are likely to shape the future framework for e-money schemes. It seems that innovators and operators are quite confident about the future of e-money – despite problems and obstacles surrounding current testing – and that central banks’ monopoly of the issuance of money as a medium of exchange will no longer be unchallenged.electronic money; financial regulation; central banks; financial innovation