• Journal of Digital Convergence
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• v.13 no.12
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• pp.75-87
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• 2015

The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.

• International Journal of Computer Science & Network Security
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• v.21 no.8
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• pp.317-326
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• 2021

This study aims to examine the factors that affect the intention of merchants to adopt mobile payments in Saudi Arabia. The underlying model used in the study is the technology acceptance model, which includes two factors: perceived ease of use and perceived usefulness. The effects of trust, cost, and compatibility are also examined because these are among the common factors used based on the literature. An online questionnaire was completed by 242 merchants in Saudi Arabia who had already adopted mobile payment services. A significant relationship was identified between perceived usefulness and compatibility in terms of merchants' intention to adopt mobile payment systems, while an insignificant relationship was identified with perceived ease of use, trust, and cost.

• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• Asia pacific journal of information systems
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• v.28 no.4
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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.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.3
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• pp.41-48
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• 2017

Recently, there has been a lot of ongoing research regarding financial transactions and payments due to the emergence of financial technology (FinTech). Payments have been processed through cash and credit cards, and payment methods have been simplified and are more convenient, with mobile payment via mobile cards and mobile phones. This study offers a new mobile payment method by using a mobile phone instead of a card reader or terminal. For payments, authentication is processed with the user's biometrics and a built-in fingerprint scanner, and the payment is processed after receiving an authentication code issued by the authorizing institution to confirm the user's identity. User biometrics and payment information is secured from any kind of malicious hacker by saving it in a Fast Identity Online (FIDO) Trusted Execution Environment (TEE) section in a smartphone. Regarding key security, every key is securely created in the FIDO TEE section, providing secure mobile payment by neutralizing various malicious attacks, including sniffing and the man-in-the middle attack.

• International Journal of Computer Science & Network Security
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• v.21 no.6
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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.

• 한국경영정보학회:학술대회논문집
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• 2007.06a
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• pp.646-651
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• 2007

Secure digital payment is critical in the successful shaping of global digital business. Digital payments are increasingly being used as a substitute to traditional payments, contributing markedly to the efficiency of the economy. The focus of every digital business transaction is to minimize risks arising from transactions. It is essential to ensure the security of digital payment whether used in internal networks or over wireless Internet. This paper analyses secure digital payment methods from the viewpoint of systemic security and transaction security. According to comparative analysis of digital payment models, this paper proposes a comparative analysis framework to investigate and evaluate secure digital payment. In conclusion, the comparative analysis framework, comparison of digital payment models and mobile payment models proposes a useful academic and practical foundation to enhance the understanding of secure digital payment methods. It also provides academic background and practical guidelines for the development of secure digital payment systems.

• Journal of the Korea Society of Computer and Information
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• v.21 no.2
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• pp.61-69
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• 2016

In this paper, we propose the authentication server system that prevent hacking in In-app billing applications. And we also propose the methods to verify electronic receipt for the payment of internal app payments and to check the integrity of the applications. Then we designed the payment metabolic system that checks between products-offer list and paid subscription if payment system is hacked with new hacking technologies different from existing ones. And then we implemented proposed authentication system and experimented with about 10,000 average internal application payments per an hour. It shows that proposed system has defensive techniques that counter attacks against in-app billing but it takes more than 0.8916 seconds than no-certification system that is considered as relatively short time.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2009.05a
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• pp.797-800
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• 2009

RFID enabled credit cards are becoming increasingly popular as contactless credit cards. We envision a future where RFID credit cards will be used for online shopping. RFID system has tremendous potential to render electronic payments more secure than normal credit cards. The word RFID enabled credit cards may bring in mixed passion, enthusiasm and perhaps even rage! This is partly paranoia and partly reality. The reality is that an intruder can read RFID cards without the user even noticing it. This brings in a zone of discomfort and leads to paranoia. Certain interactivity should exist to bring back this comfort to the user. This paper tries to make an effort in that direction. In this paper we propose mobile phone based architecture for secured electronic payments using RFID credit cards.

• Journal of Digital Convergence
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• v.20 no.1
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• pp.277-283
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• 2022

The purpose of this study is to study the user experience that provides psychological stability when paying for mobile e-commerce pay one-touch. Through literature and case studies, e-commerce pay one-touch payments were identified, and user experiences were investigated through surveys and in-depth interviews. The survey based on Aaron Walter's model of user needs received a high average of functionality and usability for one-touch payments, but reliability and stability were somewhat low. Afterwards, four design improvement plans were presented to supplement psychological stability by analyzing in-depth interviews conducted based on the User's Eye View of User Experience Design model. This study is expected to be helpful in basic research on the payment experience where you can feel stable when taking one-touch payments.