Trust Building in the Mobile Payment Platform:

This study investigates gender differences issue regarding the effect of platform characteristics on trust and continuance intention in the context of mobile payment. Drawing upon innovation diffusion and trust theory, a research model is developed to examine four significant antecedents of trust for male and female users. An empirical survey was conducted and 740 valid questionnaires were collected from users of Alipay and Wechat pay, which are recognized as two leading mobile payment platforms in China. Structural equation modelling analysis results suggest that security is the most significant antecedent of customers’ trust, followed by platform reputation, mobility and customization. Specifically, a multi-group analysis results indicate that mobility and reputation have more significant influence on trust for males, while customization and security are more important in promoting trust for females. Theoretical and practical implications are discussed in the final section

Spending time with money: from shared values to social connectivity

This article has been made available through the Brunel Open Access Publishing Fund.There is a rapidly growing momentum driving the development of mobile payment systems for co-present interactions, using near-field communication on smartphones and contactless payment systems. The design (and marketing) imperative for this is to enable faster, simpler, effortless and secure transactions, yet our evidence shows that this focus on reducing transactional friction may ignore other important features around making payments. We draw from empirical data to consider user interactions around financial exchanges made on mobile phones. Our findings examine how the practices around making payments support people in making connections, to other people, to their communities, to the places they move through, to their environment, and to what they consume. While these social and community bonds shape the kinds of interactions that become possible, they also shape how users feel about, and act on, the values that they hold with their co-users. We draw implications for future payment systems that make use of community connections, build trust, leverage transactional latency, and generate opportunities for rich social interactions

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

Quire: Lightweight Provenance for Smart Phone Operating Systems

Smartphone apps often run with full privileges to access the network and sensitive local resources, making it difficult for remote systems to have any trust in the provenance of network connections they receive. Even within the phone, different apps with different privileges can communicate with one another, allowing one app to trick another into improperly exercising its privileges (a Confused Deputy attack). In Quire, we engineered two new security mechanisms into Android to address these issues. First, we track the call chain of IPCs, allowing an app the choice of operating with the diminished privileges of its callers or to act explicitly on its own behalf. Second, a lightweight signature scheme allows any app to create a signed statement that can be verified anywhere inside the phone. Both of these mechanisms are reflected in network RPCs, allowing remote systems visibility into the state of the phone when an RPC is made. We demonstrate the usefulness of Quire with two example applications. We built an advertising service, running distinctly from the app which wants to display ads, which can validate clicks passed to it from its host. We also built a payment service, allowing an app to issue a request which the payment service validates with the user. An app cannot not forge a payment request by directly connecting to the remote server, nor can the local payment service tamper with the request

The Digitalisation of African Agriculture Report 2018-2019

An inclusive, digitally-enabled agricultural transformation could help achieve meaningful livelihood improvements for Africa’s smallholder farmers and pastoralists. It could drive greater engagement in agriculture from women and youth and create employment opportunities along the value chain. At CTA we staked a claim on this power of digitalisation to more systematically transform agriculture early on. Digitalisation, focusing on not individual ICTs but the application of these technologies to entire value chains, is a theme that cuts across all of our work. In youth entrepreneurship, we are fostering a new breed of young ICT ‘agripreneurs’. In climate-smart agriculture multiple projects provide information that can help towards building resilience for smallholder farmers. And in women empowerment we are supporting digital platforms to drive greater inclusion for women entrepreneurs in agricultural value chains

Building an alternative social currency: Dematerialising and rematerialising digital money across media

This paper reports on the user experience and design of physical and digital forms of a mixed-media local currency. We reconceive digitally mediated transactions as social interactions and report on the development of conceptual designs informed by user research and interactive workshops. Our findings show that use is strongly tied to conceptions of locality and community, markers of identity, information exchange and the digital and physical forms as tools for shaping interactions. The form of the currency can make the invisible visible, exposing our identities and values, business models, and the details of the transactions themselves. Our analysis stresses the need to provide opportunities for extending social interaction, making more local connections and deriving the best value from those connections, without insulating individuals from each other, or from the wider geographical context. Themes that emerged from the user research were visualized as conceptual designs for digitally augmented media, allowing us to explore the monetary transaction at three levels: the material, as interaction between two parties, and the context of the transaction.The RCUK Digital Economy theme (EP/K012304/1)