• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.10
• /
• pp.295-302
• /
• 2020

The study examines an empirical case that explores the key constructs of the Unified Theory of Acceptance and Use of Technology (UTAUT) (Venkatesh, Morris, Davis & Davis, 2003) and the relationship between security and privacy of the Theory of Perceived Risk (TPR) (Bauer, 1960). This study employs survey data of 200 young Internet users aged 18 to 25. The study was conducted through two steps: preliminary research by qualitative research method to form the official research scale then formal research by quantitative research method using CFA and SEM to test the research model. The research results show that performance expectancy and social influence significantly predict behavioral intention to use e-wallets in payment. In contrast, the factors, namely, security and privacy, and effort expectancy, are statistically insignificant on behavioral intention. Nevertheless, the facilitating conditions factor still affects the behavior of using e-wallets. The study proposes a model to generalize the online payment environment through the integration of UTAUT and TPR models that are important for online payment management and researchers in the technology environment. The findings of this study suggest that social influence significantly affects the intention of young people to use e-wallets instead of security and privacy.

• Earthquakes and Structures
• /
• v.25 no.3
• /
• pp.149-160
• /
• 2023

Over the course of the last 4-5 years, India's northeastern region have widely used Autoclaved Aerated Concrete (AAC) blocks to construct load-bearing masonry structures. The aim of this investigation is to examine the shear characteristics of AAC masonry triplet assemblage strengthened by using two techniques, i.e., the bead joint (BJ) and the bed-head joint (BHJ) technique. Three unique variations of wire mesh were involved in the strengthening method. Furthermore, three strengthening configurations were used to strengthen each of the three wire mesh variations and the two-strengthening method, i.e. (-), L and (Z) configuration. The unreinforced and reinforced triplet masonry wallets were tested under direct shear test. From the results obtained, the 'BJ'triplet masonry wallets observed an enhanced in shear strength of about 2.23% to 23.33 % whereas the 'BHJ' triplet masonry wallets observed an enhanced in shear strength of about 22.92% to 50.69%. The "BHJ" strengthening method effectively enhance the shear strength of the triplet masonry wallets compared to the "BJ" and the "UR" wallets with an increase in capacity as the wire mesh strength increases. Furthermore, in terms of the strengthening configuration, the (Z) configuration performs better, followed by the (L) and (-) configuration demonstrating the strengthening configuration effectiveness.

• International Journal of Computer Science & Network Security
• /
• v.21 no.6
• /
• pp.222-230
• /
• 2021

Mobile wallets have been in continuous demand and developed over the past few years, especially during the COVID-19 pandemic. Several studies have examined user intentions and perspectives. This study develops a conceptual model combining behavioral factors with the technology acceptance model (TAM). The goal is to identify key factors that influence user's intention to adopt mobile payments. This study uses the TAM and the unified theory of acceptance and use of technology (UTAUT) models with additional factors. The additional factors are security, trust, facilitating conditions, and lifestyle compatibility. The study analyzes the results of a survey of 394 Saudi citizens conducted via an online survey. The results indicate that user attitudes and intentions are positively influenced by all of the factors. Perceived usefulness, perceived ease of use, lifestyle compatibility, and facilitating conditions are direct predictors of user behavior in accepting mobile wallet payments. This study provides an empirical contribution to the literature on mobile payment acceptance on the effect of perceived usefulness and lifestyle compatibility. The results demonstrate that about 26% of the respondents started using mobile wallet services because of the COVID-19 pandemic.

• International Journal of Advanced Culture Technology
• /
• v.11 no.2
• /
• pp.125-131
• /
• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• Journal of the Korean Society of Clothing and Textiles
• /
• v.47 no.4
• /
• pp.646-665
• /
• 2023

This study attempted to examine the characteristics of fashion cross-border e-commerce(CBEC) by analyzing about 35.7 million cases of customs clearance data received from the Korea Customs Service. The demographic characteristics of consumers and the features of products purchased from 2019 to 2021 were explored. Next, the association rules between products, brands, and websites were analyzed by men and women in their 20s to 50s. The results are as follows. First, women purchased more clothing products than men, and overall, consumers tended to purchase products at low prices every year. Second, the most commonly purchased products were T-shirts, bags, and other shoes. In the list clearance, the purchase frequency of international open markets increased for three years; in general clearance, the proportion of luxury brands was high every year. Finally, in the list clearance, the relationships between bags, other shoes, pants, and overseas open markets were significant, while the relationships between wallets, bags, and luxury brands were significant in general clearance. Based on this study, domestic companies participating in or competing against the CBEC market can develop appropriate strategies for merchandising and sourcing clothing products.

• Journal of Convergence for Information Technology
• /
• v.9 no.10
• /
• pp.9-15
• /
• 2019

Recently, in the field of next-generation e-commerce and finance, interest in blockchain-based technologies such as Bitcoin and Ethereum is great. Although the security of blockchain technology is known to be secure, hacking incidents / accidents related to cryptocurrencies are being issued. The main causes were vulnerabilities in the external environment, such as taking over login sessions on cryptocurrency wallets, exposing private keys due to malware infection, and using simple passwords. However, private key management recommends general methods such as utilizing a dedicated application or local backup and physical archiving through document printing. In this paper, we propose a white box password-based private key protection scheme. As a result of safety and performance analysis, we strengthened the security against vulnerability of private key exposure and proved the processing efficiency of existing protocol.