89,645 research outputs found
Research on security factors of mobile payment: taking Alipay, the leader of China's third party payment, as an exemple
Mobile payment is one of the most crucial links in E-commerce. As a representative
of third-party payment, Alipay has become the field of payment unicorn enterprises.
The purpose of this thesis is to study the security factors affecting mobile payment
taking Alipay as the specific research object. Based on the literature review,
exploratory factor analysis (EFA) and structural equation model(SEM)analysis were
used to conduct empirical research. Data were obtained by random sampling through
a questionnaire(N=364) . Research shows that the "Knowledge" at the People aspect,
the "System Function" and "Financial Security" at the organization aspect, and the
"Transaction Platform" at the Technology aspects have a positive relationship with the
safety of Alipay. Based on the above empirical analysis, this thesis puts forward some
suggestions on how to improve the safety of AlipayO pagamento móvel é um dos links mais importantes no comércio eletrônico. Como
representante de pagamento de terceiros, Alipay tornou-se o campo de empresas de
unicórnio de pagamento. O objetivo desta tese é estudar os fatores de segurança que
afetam o pagamento móvel tomando Alipay como objeto de pesquisa especÃfico. Com
base na revisão da literatura, a análise fatorial exploratória (EFA) e modelo de
equações estruturais (SEM ) análise foram utilizados para realizar pesquisas
empÃricas. Os dados foram obtidos por amostragem aleatória através de um
questionário (N = 364) . A pesquisa mostra que o "Conhecimento" no aspecto
Pessoas, a "Função do Sistema" e a "Segurança Financeira" no aspecto da organização,
e a "Plataforma de Transação" no aspecto Tecnologia têm uma relação positiva com a
segurança do Alipay. Com base na análise empÃrica acima, esta tese apresenta
algumas sugestões sobre como melhorar a segurança do Alipay
A Framework for M-Commerce Implementation in Nigeria
The Internet has brought about the concept of grobalilation, which has
revolutionized the way business is transacted all over the world. The E-comnterce
is of particular interest, though widely used but still has some security challenges
in terms of transparency and confidentiality of transactiorts. This papei focuses
on M-contnrcrce as an extensiott to E-commerce hnplementatiott with the Bankiltg
industry proposed as core implementation consideration in ortler to guarantee
high level security. We have reviewed some cqses of onlilrc frauds and eliscussed
tlte emerging critical issues afficting software development of M-cornmerce
applicatiotts. Afranrcworkfor M-commerce implementationis therefore,proposed
for countries such as Nigeria, Romania and Indonesia where cases of online
scam are alanning
M-Commerce Implementation in Nigeria: Trends and Issues
Nigeria was described as the fastest growing telecoms nation in Africa and the third in the World. The country had experienced a phenomenal growth from a teledensity of 0.49 in 2000 to 25.22 in 2007. This trend has brought about a monumental development in the major sectors of the economy, such as banking, telecoms and commerce in general.
This paper presents the level of adoption of ICT in the banking sector and investigates the prospects of m-Commerce in Nigeria based on strengths, weaknesses, opportunities and threats (SWOT) analysis.
Findings revealed that all banks in Nigeria offer e-Banking services and about 52% of the offer some forms of m-Banking services. The banks and the telecoms operators have enormous potentials and opportunities for m-Commerce but the level of patronage, quality of cell phones, lack of basic infrastructure and security issues pose a major threat to its wide scale implementation
The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria
With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology
Design of a secure unified e-payment system in Nigeria: A case study
The automatic teller machine (ATM) is the most widely used e-Payment instrument in Nigeria. It is responsible for about 89% (in volume) of all e-Payment instruments since 2006 to 2008. Some customers have at least two ATM cards depending on the number of accounts operated by them and
they represent the active users of the ATM cards. Furthermore, identity theft has been identified as one
of the most prominent problems hindering the wider adoption of e-Business, particularly e-Banking, hence the need for a more secure platform of operation. Therefore, in this paper we propose a unified (single) smart card-based ATM card with biometric-based cash dispenser for all banking transactions.
This is to reduce the number of ATM cards carried by an individual and the biometric facility is to introduce another level of security in addition to the PIN which is currently being used. A set of questionnaire was designed to evaluate the acceptability of this concept among users and the architecture of the proposed system is presented
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A multi-agent architecture for electronic payment
The Internet has brought about innumerable changes to the way enterprises do business. An essential problem to be solved before the widespread commercial use of the Internet is to provide a trustworthy solution for electronic payment. We propose a multi-agent mediated electronic payment architecture in this paper. It is aimed at providing an agent-based approach to accommodate multiple e-payment schemes. Through a layered design of the payment structure and a well-defined uniform payment interface, the architecture shows good scalability. When a new e-payment scheme or implementation is available, it can be plugged into the framework easily. In addition, we construct a framework allowing multiple agents to work cooperatively to realize automation of electronic payment. A prototype has been built to illustrate the functionality of this design. Finally we discuss the security issues
Pendekatan konstruktif dalam inovasi pengajaran dan pembelajaran Bahasa Melayu di Kolej Vokasional
Pendekatan konstruktif adalah pendekatan pengajaran dan pembelajaran yang
berpusatkan pelajar manakala inovasi pengajaran pula dikaitkan dengan kaedah
pengajaran yang terbaru demi mengukuhkan pemahaman pelajar. Pembelajaran
berasaskan pendekatan konstruktif merupakan elemen yang penting dan perlu
difahami oleh guru-guru bagi memantapkan proses pengajaran dan pembelajaran
sesuai dengan peredaran masa dan menjayakan proses tranformasi pendidikan
negara. Objektif kajian ini dijalankan untuk mengenal pasti pemahaman guru-guru
bahasa Melayu berkaitan inovasi, mengenal pasti perbezaan yang wujud antara guru
lelaki dan guru perempuan dalam mengamalkan inovasi, pengkaji juga melihat
adakah wujud perbezaan antara guru baru dan guru yang sudah berpengalaman
dalam aspek mengaplikasikan inovasi serta mengenal pasti kekangan-kekangan yang
dialami oleh para guru untuk mengaplikasikan inovasi di sekolah. Seramai 63 orang
guru bahasa Melayu dari lapan buah kolej vokasional telah dipilih sebagai responden
dalam kajian ini. Data dianalisis menggunakan perisian Winsteps 3.69.1.11 dengan
pendekatan Model Pengukuran Rasch. Hasil analisis menunjukkan bahawa guru�guru bahasa Melayu memahami kepentingan inovasi dalam pengajaran dan
pembelajaran. Hasil kajian juga menunjukkan guru-guru perempuan lebih banyak
menerapkan unsur inovasi dalam pengajaran berbanding guru lelaki. Walaupun
begitu, aspek pengalaman tidak menunjukkan perbezaan dari segi pengamalan
inovasi sama ada guru baru ataupun guru yang sudah berpengalaman. Pengkaji juga
mengenal pasti beberapa kekangan yang dialami oleh guru-guru untuk mengamalkan
inovasi ini. Sebagai langkah untuk menangani masalah berkenaan, beberapa
cadangan telah dikemukakan oleh pengkaji bagi memastikan guru-guru dapat
merealisasikan proses pengajaran berkesan dengan penerapan inovasi mengikut
model pendekatan konstruktif. Pengkaji berharap, kajian ini dapat dijadikan sebagai
satu panduan kepada pelaksana kurikulum bagi memastikan budaya inovasi sentiasa
menjadi amalan dalam kalangan guru demi mengangkat profesionalisme guru di
Malaysia
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