Characteristics of Mobile Payment Procedures

Companies are not going to invest into the development of innovative applications or services unless these can be charged for appropriately. Thus, the existence of standardized and widely accepted mobile payment procedures is crucial for successful business-to-customer mobile commerce. The acceptance of mobile payment procedures depends on costs, security and convenience issues. For the latter, it is important that a procedure can be used over the different payment scenarios mobile commerce, electronic commerce, stationary merchant and customer-to-customer. Current payment procedures can be categorized with strategic, participation and operational criteria, using the morphological method. The proposed scheme allows to unambiguously identify and characterize any given mobile payment procedure. The design of today's mobile payment procedures should less try to optimize on the future mobile commerce problems but focus on the ease of spreading in the electronic commerce setting as lead-in scenario.

The mobile commerce technologies: Generations, standards and protocols

Mobile Commerce has staged a remarkable come-back. Driven by the technological innovations in the field of telecommunications, it is showing signs of a healthy recovery. The collapse of the dot-com boom in 2001/2002 had dealt a severe blow not only to Electronic Commerce but also to Mobile Commerce, which was just about developing at that time. In addition to a general lack of customer demand for mobile, location-based, services, it suffered heavily under the technical deficiencies of end-devices, slow data transmission and unripe technological standards. These factors in turn had a negative impact on the customer acceptance of mobile services and whatever little demand was available, was rendered useless. Many of the environmental conditions have changed since then. Technology innovations have reduced many barriers to acceptance. Increasing globalization has led to more mobility and therefore to greater demand for mobile, ubiquitios services that can be consumed anytime, anywher. This paper examines different telecommunication technologies regarding their suitablilty and deficiencies. It provides an overview over the historical development of mobile technologies while pointing towards the expected future scenario. --Mobile Commerce,M-Commerce,UMTS,WLAN,3G

Mobile banking as business strategy: Impact of mobile technologies on customer behaviour and its implications for banks

Mobile Commerce is gaining increasing acceptance amongst various sections of the society. This growth can be partly traced back to technological and demographical developments that have been influencing important aspects of the socio-cultural behaviour in today's world. The need/wish for mobility seems to be the driving force behind Mobile Commerce in general. Mobile Banking, availment of bank-related financial services via mobile devices, builds a cornerstone of Mobile Commerce. An empirical survey of customer acceptance conducted within the frame of our research clearly reveals a major, growing interest in Mobile Banking. However, since the degree of interest and the willingness to pay vary for individual services, it seems to be necessary to design specific services taking the needs and wishes of relevant target groups into consideration. Banks ought to therefore employ mobile channels with a clear business-focus. This paper examines the opportunities for banks to generate revenues by offering value-added, innovative mobile financial services while retaining and even extending their base of technology-savvy customers. --Mobile Commerce,Mobile Banking,Mobile Financial Services,Multi-channel Strategy

Migration control for mobile agents based on passport and visa

Research on mobile agents has attracted much attention as this paradigm has demonstrated great potential for the next-generation e-commerce. Proper solutions to security-related problems become key factors in the successful deployment of mobile agents in e-commerce systems. We propose the use of passport and visa (P/V) for securing mobile agent migration across communities based on the SAFER e-commerce framework. P/V not only serves as up-to-date digital credentials for agent-host authentication, but also provides effective security mechanisms for online communities to control mobile agent migration. Protection for mobile agents, network hosts, and online communities is enhanced using P/V. We discuss the design issues in details and evaluate the implementation of the proposed system

Mobile Commerce and Applications: An Exploratory Study and Review

Mobile commerce is enabling the development of additional revenue streams for organizations through the delivery of chargeable mobile services. According to the European Information Technology Observatory, the total amount of revenue generated by mobile commerce was reported to be less than {\pounds}9 million in the United Kingdom in 2001. By 2005 this had, at least, doubled and more recent industry forecasts project significant global growth in this area. Mobile commerce creates a range of business opportunities and new revenue streams for businesses across industry sectors via the deployment of innovative services, applications and associated information content. This paper presents a review of mobile commerce business models and their importance for the creation of mobile commerce solutions.Comment: Journal of Computing online at https://sites.google.com/site/journalofcomputing

Examining Trust in Information Technology Artifacts : The Effects of System Quality and Culture.

The topic of trust in information technology (IT) artifacts has piqued interest among researchers, but studies of this form of trust are not definitive regarding which factors contribute to it the most. Our study empirically tests a model of trust in IT artifacts that increases our understanding in two ways. First, it sets forth two previously unexamined system quality constructs-navigational structure and visual appeal. We found that both of these system quality constructs significantly predict the extent to which users place trust in mobile commerce technologies. Second, our study considers the effect of culture by comparing the trust of French and American potential users in m- commerce technologies. We found that not only does culture directly affect user trust in IT artifacts but it also moderates the extent to which navigational structure affects this form of trust. These findings show that system quality and culture significantly affect trust in the IT artifact and point to rich possibilities for future research in these areas.Commerce mobile; Systems use; System quality; Navigational structure; Mobile commerce; M-commerce portals;

Aplikasi Mobile Commerce (M-commerce) Berbasis Android Hybrid

The number of uses of the Android operating system makes developers compete in making Android-based applications. One of them is in business, making a sales system that can run on Android-based smartphones is very popular with most people because it can facilitate buying and selling transactions. Based on the results of the research, the sales system at PT Gemanusa Sentra Teknologi still has some shortcomings. To solve this problem, a Mobile Commerce (M-Commerce) application is created by using the REST API as a communication method between Client and Server. With this application, it will be easier for users to make buying and selling transactions because they can be used anywhere and anytime

Mobile Electronic Commerce: What Is It? Who Uses It? And Why Use It?

When individuals and businesses conduct transactions electronically over a network using mobile devices, they have participated in mobile e-commerce. The advantages and disadvantages of mobile e-commerce are presented in this paper. This is followed by a discussion of who is using mobile e-commerce and why they are using it. Information is also presented on how to be successful with mobile e-commerce