• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.505-516
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• 2020

The purpose of the research is to identify antecedents of mobile wallet continuance intention in Vietnam. A self-administered questionnaire was distributed to collect data from a total of 276 respondents. Partial least squares structural equation modeling was employed for analyzing the data. Five mobile wallet features - mobile application quality, mobile wallet familiarity, situational normality, payment security, and feedback mechanism - are introduced as fundamental elements, which influence customer' continuance intention to use mobile wallet in Vietnam. The results indicate that mobile quality application and familiarity can significantly influence perceived ease-of-use (PEOU) and perceived usefulness (PU), but situational normality has an impact only on PEOU. PEOU and PU are positively related to satisfaction. On the other hand, payment security and feedback mechanism affect positively customer' trust. As a result, the positive effects that satisfaction and trust have on electronic wallet continuance intention are confirmed. The findings can be used to advise mobile wallet providers to improve their platform design and services to retain users. As a theoretical contribution, this study combines the Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology to investigate the key determinants on continuance intention in the context of electronic wallet in Vietnam.

• 한국컴퓨터정보학회논문지
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• 제24권8호
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• pp.59-66
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• 2019

As the monetary value of cryptocurrency increases, the security measures for cryptocurrency becomes more important. A limitation of the existing cryptocurrency exchanges is their vulnerability to threats of hacking due to their centralized manner of management. In order to overcome such limitation, blockchain technology is increasingly adopted. The blockchain technology enables decentralization and Peer-to-Peer(P2P) transactions, in which blocks of information are linked in chain topology, and each node participating in the blockchain shares a distributed ledger. In this paper, we propose and implement a mobile electronic wallet that can safely store, send and receive cryptocurrencies. The proposed mobile cryptocurrency wallet connects to the network only when the wallet actively is used. Wallet owner manages his or her private key offline, which is advantageous in terms of security. JavaScript based wallet apps were implemented to respectively run on Android and iOS mobile phones. I demonstrate the process of transferring Ethereum cryptocurrency from an account to another account through Ropsten, a test net for Ethereum. Hardware wallets, such as Ledger Nano S, provide a slightly higher level of security, yet have the disadvantages of added burden of carrying additional physical devices and high costs (about 80$).

• Asia pacific journal of information systems
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• 제28권4호
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• pp.290-307
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• 2018

In this research, we study the impact of the factors that predict consumer loyalty of mobile payments and mobile wallets usage in Thailand. We developed a research model based upon previous findings where we propose and examine four constructs of personal innovativeness, consumer attitudes, consumer satisfaction and loyalty. In general, all of the hypotheses were supported by variables related to consumer loyalty with mobile wallet usage. Personal innovativeness analyzed due to its potential mediation effect on loyalty, both from attitudes and from satisfaction. It was found that personal innovativeness was a mediator construct in predicting consumer loyalty. The overall model provides value to the mobile payment and mobile wallet application providers in term of improving service efficiency and business strategies to secure Thai consumer loyalty.

• 정보처리학회논문지C
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• 제9C권5호
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• pp.687-698
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• 2002

무선인터넷의 활성화와 더불어 기존의 유선 및 무선 전자상거래를 통합하는 여러 방안에 대한 관심이 고조되고 있다 유.무선 통합형 전자상거래를 위해서 무선통신 환경에서의 최적화된 보안 및 인증 그리고 사용자에게 보다 편리한 사용방안이 선결되어야 한다. 본 논문에서는 J2ME(Java 2 Micro Edition) 기반 MIDP(Mobile Information Device Profile)를 이용해서 전자지불용 전자지갑 모듈 개발을 통해 유선과 무선에서 공통으로 사용할 수 있는 유\ulcorner무선 연동의 모바일 전자지갑(Mobile Wallet)을 설계 및 구현하였다. 본 논문에서 구현한 전자지갑의 특징은 지불정보의 암\ulcorner복호화를 통한 안전성 제공과 전자지갑의 다운로드를 통해 유.무선 환경에서 온라인 형태로 사용할 수 있는 기능을 제공하는 것이다. 또한 유.무선인터넷 전자상거래에서 안전하고 편리한 지불방안을 제시한다.

• International Journal of Advanced Culture Technology
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• 제11권2호
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• pp.125-131
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• 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.

• International Journal of Computer Science & Network Security
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• 제21권6호
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• pp.222-230
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• 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.

• 디지털융복합연구
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• 제16권10호
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• pp.115-123
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• 2018

본 연구에서는 O2O 서비스 활성화를 위한 고객들의 통합적 서비스 경험을 살펴보고자 한다. 기존 서비스 경영 및 마케팅 연구에서는 오프라인 매장에서의 서비스 경험에 초점을 두었고, 경영 정보 연구에서는 모바일 어플리케이션에서의 서비스 경험만을 살펴보는 경우가 많았다. 본 연구에서는 고객들이 인지하는 오프라인 매장의 특성과 모바일 어플리케이션의 특성을 동시에 고려하여, 고객들의 통합적인 서비스 경험을 살펴보았다. 그리고 해당 카테고리 안에서 해당 기업의 상대적 지출 비중을 살펴볼 수 있는 지갑 점유율을 최종 종속 변수로 고려하였다. 스타벅스에 자주 방문하고 해당 브랜드의 어플리케이션을 사용하고 있는 219명의 고객을 대상으로 연구 모형을 검증하였다. 연구 모형 분석에 PLS를 활용하였다. 연구 모형 분석 결과, 오프라인 매장에 대한 만족은 지갑 점유율에 유의한 영향을 미치지 않았지만, 모바일 어플리케이션에 대한 만족은 지갑 점유율에 유의한 영향을 미쳤다. 모바일 어플리케이션이 제공하는 유희적 혜택과 사회적 혜택은 모바일 어플리케이션 만족 형성에 핵심적인 역할을 담당하였다. 본 연구 분석 결과를 통해 O2O 서비스의 고객 경험을 증진할 수 있는 서비스 운영 및 마케팅 전략을 수립하는데 도움을 줄 수 있을 것으로 기대한다.

• 한국전자거래학회지
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• 제20권1호
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• pp.117-135
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• 2015

모바일 쿠폰과 멤버십 카드를 통합적으로 관리하는 모바일 지갑은 사용 편리성과 경제적 혜택으로 인해 빠르게 성장하고 있는 모바일 서비스 중의 하나이다. 그러나 빠른 성장에도 불구하고 모바일 지갑을 지속적으로 사용하지 않는 단기 사용자의 증가는 모바일 지갑 서비스 제공자들이 수익창출을 위해 해결해야 할 주요한 문제점이 되고 있다. 본 연구에서는 모바일 지갑 사용자의 서비스 사용기간을 늘리기 위한 주요 고려사항을 도출하기 위해, 모바일 지갑 사용자의 지속적인 사용의도에 영향을 주는 요인을 이익(Benefit)과 비용(Sacrifice)측면으로 나누어 종합적으로 분석 가능한 VAM(Value-based Adoption Model)을 적용하여 검증하였다. 연구결과, 이익 측면에서는 유용성, 가치표현, 인지된 보안과 즐거움이 지각된 가치에 유의한 영향을 미치는 것으로 나타났으며, 비용 측면에서는 기술의 복잡성이 지각된 가치에 유의한 영향을 미치는 것으로 확인되었다. 또한, 지각된 가치는 지속사용의도와 유의한 관계를 갖는 것으로 검증되었다. 본 연구결과를 활용해 모바일 지갑 서비스 제공자가 단기 사용자를 위한 서비스의 개선 및 마케팅 시에 기능 측면뿐만 아니라 감성적 측면의 요인들까지 고려할 수 있을 것으로 기대한다.

• 한국IT서비스학회지
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• 제13권4호
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• pp.325-340
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• 2014

Mobile payment system using NFC attracted attention as the mobile payment market grows due to the fast diffusion of smart phones. However, non NFC mobile payment recently appeared because of the slow growth of infrastructure for NFC. With advent of Non NFC mobile payment applications, mobile payment industry is in developing trend. Non NFC mobile payment revitalizes the market by overcoming the limit of NFC with the smart applications using bar code and QR code payment, and providing various discounts, membership benefits and payment information. Therefore, this paper analyzed the intention of continuous use with the quality of mobile payment application based on the information system success model. Three categories of factors which are system quality, service quality, and information quality were used. We verified the significance of the factors affecting the intension of continuous use. mainly, quality of information was considered as an important factor of continuous Intention to Use. Also, unlike previous NFC, it was found that in Non-NFC, compatibility might not be as important factor. Moreover, we suggest a marketing strategy of companies for mobile payment industry which focus on information quality. and future research directions for non NFC payment market.

• 유통과학연구
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• 제15권11호
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• pp.5-19
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• 2017

Purpose - According to the research findings, it proposes corresponding market promotion schemes, for Alipay, WeChat wallet and even other payment service providers and mobile internet companies to understand the factors which promote or hinder users' acceptance of mobile payment. Research design, data, and methodology - Statistic analysis of data and social science statistical software of IBM Statistics 23.0 and IBM SPSS AMOS 23.0 were adopted for all the data researched. Results - The technical features of the third party mobile payment and the task characteristics of users have positive influence on the matching degree between task and technology, and the matching degree between task and technology of the third party mobile payment has positive influence on the performance expectancy, effort expectancy and usage intention. The social influence, facilitating condition, price value and enjoyment motivation have significant and positive influence on users' intention of mobile payment adoption. The perceive security of the mobile fingerprint payment of users has positive influence on users' intention of usage. Conclusions - This research has the main contribution on the analysis on the key factors with influence on the third party mobile payment usage by utilizing the integrated model of UTAUT2 and TTF.