A modularized electronic payment system for agent-based e-commerce

With the explosive growth of the Internet, electronic-commerce (e-commerce) is an increasingly important segment of commercial activities on the web. The Secure Agent Fabrication, Evolution & Roaming (SAFER) architecture was proposed to further facilitate e-commerce using agent technology. In this paper, the electronic payment aspect of SAFER will be explored. The Secure Electronic Transaction (SET) protocol and E-Cash were selected as the bases for the electronic payment system implementation. The various modules of the payment system and how they interface with each other are shown. An extensible implementation done using JavaTM will also be elaborated. This application incorporates agent roaming functionality and the ability to conduct e-commerce transactions and carry out intelligent e-payment procedures

Managerial Gaps in e-Banking Quality Drivers: An Empirical Assessment

Providing quality service to the customer is a main issue for e-banking. The extant literature on e-services has preferentially examined quality factors as perceived by customers. On the other hand, quality depends on the managerial perceptions about quality drivers and the decisions that would follow from these perceptions. According to SERVQUAL - the most known service quality model - any gaps between management’s and customers’ perceptions would affect the experienced quality and then the customer satisfaction. The aim of this paper is to explore how bank managers perceive quality drivers for e-banking through a preliminary empirical survey

Technology and Service Quality in the Banking Industry: An Empirical Study of Various Factors in Electronic Banking Services

Technology-based self service has greatly changed the way that service Firms and consumers interact and are raising a host of research and practice issues relating to the delivery of e-service which has become increasingly important not only in determining the success or failure of electronic commerce but also in providing consumers with a superior experience with respect to the interactive flow of information. The purpose of this research study was to establish the relationship between technology and service quality in the banking industry in Nigeria. The research was carried out through a cross sectional smvey design which questioned respondents one e-banking services. The population of study mainly constituted of customers of Oceanic bank within Lagos metropolis and its environs. The respondents of the study were customers of banks using e-banking services (internet banking, mobile banking and AIM). The sample in this study consisted of 120 respondents who are users of thee-banking services. The data collected was analyzed by use of frequency, percentage, means and correlation analysis. The findings revealed that secure services as the most important dimension, followed by convenient location of AIM, efficiency (not need to wait, ability to set up accounts so that the customer can perform transactions immediately, accurately of records, user friendly, ease of user, complaint satisfaction, accurate transactions and operation in 24 h)

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

Technology payment cards communication with banking institutions in the field of cashless payment

The aim is now used to describe the infrastructure of payment cards, ATMs, now used to describe the infrastructure of payment systems, mainly the payment cards and NFC technology and secure payment throw the internet. In this article, we examine a new technology application which is coming into its own around the world, in association with the revolution in wireless connectivity. Our findings are intended to guide in dealing with the economic aspects of mobile payments, and to help identify some important directions for the research

Phishing – the threat of internet banking

The attractiveness of Internet banking, the dynamics and the integration with e-business is still growing. The current use of electronic banking is defined by cyberspace and abused in the form of cyber terrorism as well. Therefore it is in the interest of all banks to focus on minimizing the real attacks. This article analyzes and compares the current possibilities against so-called phishing and identifies the area of the safe use of Internet banking in terms of the current potential threats in this area

Troli tong gas

Tong gas adalah sebahagian daripada keperluan rumah yang sangat penting untuk kegunaan dapur. LPG (Liquefied Petroleum Gas), atau petroleum gas biasanya digunakan untuk aplikasi perumahan (tong gas masak) dan tujuan komersial. LPG terutamanya terdiri daripada campuran hidrokarbon seperti propana (C3H8), propene (C3H6), n-butana (C4H10), isobutena (metil-propana), dan pelbagai butanes lain (C4H8) (Mustapa, Gitano Briggs, 2008). LPG disimpan cair dalam tong pada tekanan tinggi, tekanan wap sekitar 6 hingga 7 bar (Petrolium Nasional Berhad, 2013). Oleh itu, tong gas perlu diperbuat daripada silinder keluli bertekanan tinggi. Tong gas digunakan hampir di semua perumahan, termasuk rumah pangsa, kondominium dan apartment. Kebiasaan penghuni perumahan bertingkat yang tidak mempunyai lift terpaksa mengangkat tong gas menggunakan tenaga empat kerat, kadang kala menggunakan troli biasa untuk menggangkut tong gas tersebut bagi memudahkan dan meringankan kerja. Troli adalah peranti yang digunakan untuk membawa beban atau memindahkan bahan dari satu tempat ke yang lain. Untuk aplikasi yang berbeza pelbagai jenis troli digunakan Kebanyakan pekerja domestik juga menggunakan tenaga tulang empat kerat untuk kerja-kerja pemindahan troli .