Consumer decision making in mobile-banking service selection

This paper reports on the findings of a study of 267 consumers on the first order selection criteria within a decision making model that utilizes the Analytic Hierarchy Process (AHP) to evaluate mobile banking service selection. The AHP analysis of the first order selection criteria for the full data sample identified ‘Time Saving’ as the highest ranked factor followed by ‘Control’ then ‘Any Place’ and lastly ‘Cost’. The survey also reports on consumer usage patterns for internet and mobile services as well as exploring their experiences with mobile banking services

Introduction and Diffusion of Electronic Commerce – What is Switzerland’s position in an international comparison? Results of an empirical study

What is Switzerland’s position today with regard to the acceptance, diffusion and usage of new work forms and business methods in the economy and society? One of the most extensive international surveys of population and businesses done thus far gives well founded answers to these questions: Last year, distinguished research institutes from 10 different countries of the European Union (Denmark, Germany, France, Finland, Ireland, Italy, Netherlands, Spain, Sweden, United Kingdom) and Switzerland carried out the research project ECATT99 Electronic Commerce and Telework Trends. With it they produced a study of the adoption and diffusion of new electronic business methods and work forms in the information society. Its approach makes the study unique within the framework of the European ESPRIT programme. In the whole of Europe (including Switzerland) around 8,000 private individuals and around 4,300 decision makers in private and public businesses were interviewed about knowledge, acceptance, current and planned usage of Electronic Commerce and telework. In addition, around 100 detailed case studies were carried out. For the future, regular biennial repeat studies are planned. Switzerland is taking part in this international comparison for the first time. The results of this report are primarily based on 400 interviews in the Swiss population and 200 interviews with owners or responsible senior staff in businesses of all sectors of German, French and Italian Switzerland. This report is limited to the project section on Electronic Commerce; a separate report is being prepared for the section on telework.Electronic commerce; E-commerce; Electronic Business; Information and Communication Technologies (ICT); Economics of Internet; Firms; Diffusion of technology; Adoption of technolgy; Swiss firms; Switzerland

Robust, Resilient and Reliable Architecture for V2X Communication

The new developments in mobile edge computing (MEC) and vehicle-to-everything (V2X) communications has positioned 5G and beyond in a strong position to answer the market need towards future emerging intelligent transportation systems and smart city applications. The major attractive features of V2X communication is the inherent ability to adapt to any type of network, device, or data, and to ensure robustness, resilience and reliability of the network, which is challenging to realize. In this work, we propose to drive these further these features by proposing a novel robust, resilient and reliable architecture for V2X communication based on harnessing MEC and blockchain technology. A three stage computing service is proposed. Firstly, a hierarchcial computing architecture is deployed spanning over the vehicular network that constitutes cloud computing (CC), edge computing (EC), fog computing (FC) nodes. The resources and data bases can migrate from the high capacity cloud services (furthest away from the individual node of the network) to the edge (medium) and low level fog node, according to computing service requirements. Secondly, the resource allocation filters the data according to its significance, and rank the nodes according to their usability, and selects the network technology according to their physical channel characteristics. Thirdly, we propose a blockchain-based transaction service that ensures reliability. We discussed two use cases for experimental analysis, plug- in electric vehicles in smart grid scenarios, and massive IoT data services for autonomous cars. The results show that car connectivity prediction is accurate 98% of the times, where 92% more data blocks are added using micro-blockchain solution compared to the public blockchain, where it is able to reduce the time to sign and compute the proof-of-work (PoW), and deliver a low-overhead Proof-of-Stake (PoS) consensus mechanism. This approach can be considered a strong candidate architecture for future V2X, and with more general application for everything- to-everything (X2X) communications

The Development of eServices in an Enlarged EU:eGovernment and eHealth in Malta

In 2005, IPTS launched a project which aimed to assess the developments in eGoverment, eHealth and eLearning in the 10 New Member States at national, and at cross-country level. At that time, the 10 New Member States were Cyprus, the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Malta, Poland, Slovenia, and Slovakia. A report for each country was produced, describing its government and health systems and the role played by eGovernment and eHealth within these systems. Each report then analyzes, on the basis of desk research and expert interviews, the major achievements, shortcomings, drivers and barriers in the development of eGovernment and eHealth in one of the countries in question. This analysis provides the basis for the identification and discussion of national policy options to address the major challenges and to suggest R&D issues relevant to the needs of each country ¿ in this case, Malta. In addition to national monographs, the project has delivered a synthesis report, which offers an integrated view of the developments of each application domain in the New Member States. Furthermore, a prospective report looking across and beyond the development of the eGoverment, eHealth and eLearning areas has been developed to summarize policy challenges and options for the development of eServices and the Information Society towards the goals of Lisbon and i2010.JRC.J.4-Information Societ

Reconsidering online reputation systems

Social and socioeconomic interactions and transactions often require trust. In digital spaces, the main approach to facilitating trust has effectively been to try to reduce or even remove the need for it through the implementation of reputation systems. These generate metrics based on digital data such as ratings and reviews submitted by users, interaction histories, and so on, that are intended to label individuals as more or less reliable or trustworthy in a particular interaction context. We suggest that conventional approaches to the design of such systems are rooted in a capitalist, competitive paradigm, relying on methodological individualism, and that the reputation technologies themselves thus embody and enact this paradigm in whatever space they operate in. We question whether the politics, ethics and philosophy that contribute to this paradigm align with those of some of the contexts in which reputation systems are now being used, and suggest that alternative approaches to the establishment of trust and reputation in digital spaces need to be considered for alternative contexts

Broadband Korea

노트 : This report was prepared by Tim Kelly, Vanessa Gray and Michael Minges. It is based on research carried out from 23 to 30 May 2002 as well as articles and reports noted in the document. The assistance of the Ministry of Information and Communication, particularly Sang-Hak Lee, was indispensable and highly appreciated. The assistance of colleagues within ITU is also noted particularly Nathalie Delmas, who formatted the report and created the cover. Both Jin-Kyu Jeong and Chinyong Chong provided detailed comments. The report would not have been possible without the cooperation of the many Korean organizations who offered their time to the reportís authors. The report is one of a series examining the Internet in developing nations. Additional information is available on ITUís Internet Case Study web page at http://www.itu.int/ITU-D/ict/cs/. (The rest omitted

Issues in Mobile Banking in India with Reference to Regulations

Mobile Banking in India is in its nascent stage and there are certain prevailing issues which must be addressed for its smooth diffusion. This study was focused on exploring select issues in Mobile Banking in India and analyzing regulatory framework. For this a standardized questionnaire was developed and data was collected from senior bank managers and RBI officials. Analysis revealed that security, interoperability, network, customer illiteracy and standardization issues were significan, where as privacy, coordination and KYC/AML/CFT issue were insignificant. At last, recommendation were made to Mobile Banking service providers and regulators, followed by implications for future research.&nbsp