QR Code Payment in Indonesia and Its Application on Mobile Banking

The technology innovation makes it easy for us to connect to various services. Banking transactions that previously could only be served only at Branch Offices, ATMs (Automatic Teller Machines) and EDC (Electronic Data Capture), now they can be accessed online. Balance information, fund transfers, credit purchases, PLN tokens, payment of PAM and BPJS bills, all can be done through Mobile Banking application from smartphones. This study aims to find out how QR Code on Mobile Banking provides convenience in making payment transactions and how it can be used safely. The research was conducted through literature study, observation, and distribution of questionnaires to 30 respondents to identify the system acceptance. Payment Model QR Code on Mobile Banking can be widely used as an alternative of cash payment through a smartphone. The developed system does not only for merchant payment but can be used for person to person payment. The result of this research is a prototype for QR Code Payment on OCBC NISP Mobile Banking which can be used as an alternative payment system and integrated with fund source account without the need to top up the transfer

The future of exchanging value: uncovering new ways of spending

The explosion of new technology and virtual currencies is changing where, when and how people and business exchange value. The report also demonstrates that while the future of payments is uncertain, the availability of internet connectivity and the mass adoption of mobile devices will impact the payments industry and incumbent payments providers. The phenomenal uptake and usage of mobile devices – and the easy accessibility of mobile payments technology – means today’s consumers are more mobile in their transactions and have a wealth of options available regarding where, when and how they make purchasing decisions. The future of exchanging value – Uncovering new ways of spending explores how the emergence of a new generation of payment solutions and business models is changing the payments landscape. Organisations that look beyond traditional payments platforms and simplify the purchasing process by having the right payments solutions available at the right place and at the right time can gain a competitive advantage. The report also demonstrates that while the future of payments is uncertain, the availability of internet connectivity and the mass adoption of mobile devices will impact the payments industry and incumbent payments providers

The Effects Of Technology Readiness And Technology Acceptance On Nfc Mobile Payment Services In Korea

The Near Field Communication (NFC) mobile payment is the integration of NFC enabled smartphones and credit/debit/prepaid cards. Korea is a pioneer in rolling out the NFC mobile payment. Global mobile industries pay attention to whether Korean mobile users accept the new payment service. This study investigates the factors for technology acceptance using an integrated model of technology readiness and technology acceptance. Structured equation modeling is used to analyze the collected data. The four constructs of technology readiness (innovativeness, optimism, discomfort, and insecurity) have significant impact on the perceived ease of use and the two technological characteristics of NFC mobile payment (responsiveness and smartness) also have significant impacts on the perceived usefulness. However, only the perceived usefulness affects significantly on the intention to use. The perceived ease of use affects indirectly on the intention to use through the perceived usefulness. The result of this study suggests that to be a successful payment service, the NFC mobile payment service has to be much more focused on the usefulness against other alternative payment methods

Cell me the money: unlocking the value in the mobile payment ecosystem

This report examines the challenges and benefits of mobile commerce in the United States. The report is based on a survey of senior executives from the mobile payment value chain. Survey results shed light on the key barriers that have traditionally challenged the mobile payment market in the United States, including the lack of revenue-sharing agreements, a dearth of consumer knowledge, low levels of demand and competing platforms in a fragmented market. Getting ahead of the curve will require companies to develop mutually beneficial business models and take advantage of further innovations made on the mobile platform. Ultimately, mobile carriers and financial institutions must come to the table and sacrifice in the short-term to create an opportunity to win big down the road

A framework for development of android mobile electronic prescription transfer applications in compliance with security requirements mandated by the Australian healthcare industry

This thesis investigates mobile electronic transfer of prescription (ETP) in compliance with the security requirements mandated by the Australian healthcare industry and proposes a framework for the development of an Android mobile electronic prescription transfer application. Furthermore, and based upon the findings and knowledge from constructing this framework, another framework is also derived for assessing Android mobile ETP applications for their security compliance. The centralised exchange model-based ETP solution currently used in the Australian healthcare industry is an expensive solution for on-going use. With challenges such as an aging population and the rising burden of chronic disease, the cost of the current ETP solution’s operational infrastructure is certain to rise in the future. In an environment where it is increasingly beneficial for patients to engage in and manage their own information and subsequent care, this current solution fails to offer the patient direct access to their electronic prescription information. The current system also fails to incorporate certain features that would dramatically improve the quality of the patient’s care and safety, i.e. alerts for the patient’s drug allergies, harmful dosage and script expiration. Over a decade old, the current ETP solution was essentially designed and built to meet legislation and regulatory requirements, with change-averting its highest priority. With little, if any, provision for future growth and innovation, it was not designed to cater to the needs of the ETP process. This research identifies the gap within the current ETP implementation (i.e. dependency on infrastructure, significant on-going cost and limited availability of the patient’s medication history) and proposes a framework for building a secure mobile ETP solution on the Android mobile operating system platform which will address the identified gap. The literature review part of this thesis examined the significance of ETP for the nation’s larger initiative to provide an improved and better maintainable healthcare system. The literature review also revealed the stance of each jurisdiction, from legislative and regulatory perspectives, in transitioning to the use of a fully electronic ETP solution. It identified the regulatory mandates of each jurisdiction for ETP as well as the security standards by which the current ETP implementation is iii governed so as to conform to those regulatory mandates. The literature review part of the thesis essentially identified and established how the Australian healthcare industry’s various prescription-related legislations and regulations are constructed, and the complexity of this construction for eTP. The jurisdictional regulatory mandates identified in the literature review translate into a set of security requirements. These requirements establish the basis of the guiding framework for the development of a security-compliant Android mobile ETP application. A number of experimentations were conducted focusing on the native security features of the Android operating system, as well as wireless communication technologies such as NFC and Bluetooth, in order to propose an alternative mobile ETP solution with security assurance comparable to the current ETP implementation. The employment of a proof-of-concept prototype such as this alongside / coupled with a series of iterative experimentations strengthens the validity and practicality of the proposed framework. The first experiment successfully proved that the Android operating system has sufficient encryption capabilities, in compliance with the security mandates, to secure the electronic prescription information from the data at rest perspective. The second experiment indicated that the use of NFC technology to implement the alternative transfer mechanism for exchanging electronic prescription information between ETP participating devices is not practical. The next iteration of the experimentation using Bluetooth technology proved that it can be utilised as an alternative electronic prescription transfer mechanism to the current approach using the Internet. These experiment outcomes concluded the partial but sufficient proofof- concept prototype for this research. Extensive document analysis and iterative experimentations showed that the framework constructed by this research can guide the development of an alternative mobile ETP solution with both comparable security assurance to and better access to the patient’s medication history than the current solution. This alternative solution would present no operational dependence upon infrastructure and its associated, ongoing cost to the nation’s healthcare expenditure. In addition, use of this mobile ETP alternative has the potential to change the public’s perception (i.e. acceptance from regulatory and security perspectives) of mobile healthcare solutions, thereby paving the way for further innovation and future enhancements in eHealth

LegitimID: A federative digital identity system for strong authentication

The growing use of online services advocated the emergence of digital identity as a mechanism of data security and personal information protection that can increase the trust among online users and applications. This paper introduces a new security system developed around the digital identity concept, implemented using a federative multifactor strong authentication framework and tested in an authentic online educational setting to accomplish the complete life cycle of business privacy. System performance evaluated on a sample of 108 students revealed an excellent acceptance and confidence among the users