Mobile Payment Technology and Competitiveness In the Credit Card Chain

NFC mobile credit card: The next frontier of mobile payment?

With the advancement of mobile devices and the emergence of Near Field Communication (NFC) technology, payment today is a mere wave-of-the-phone. However, the adoption of mobile credit card (MCC) is still not widespread despite its potential as documented. Premised on this, the study extends the Technology Acceptance Model (TAM) with four additional constructs. The moderating effect of gender w...

Credit Card Debt and Payment Use

Charles Sprenger and Joanna Stavins Abstract: Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so‐called “revolvers” exhibit payment behavior that differs from that of those who repay their entire credit card balance every month. Previous literature has focused on the adoption of debit cards by people who carry credit card balances, ...

Taming The Wild Card for Mobile Payment

Mobile wallets promise to allow people to easily manage their accounts and to carry less cards. However, the slow adoption of contactless point of sales (POS) terminals by merchants limits the potential of Near-Field Communication (NFC) based payment devices. In this paper, we discuss Wild Card, a secure and backward compatible way to make mobile payment through conventional magnetic stripe bas...

A Simple and Secure Credit Card-Based Payment System

Smart Card based Mobile Payment Protocol

New mobile consumers are demanding access to a wider range of applications and services, convenient payment for digital content and physical goods, and integrated financial management services. As mobile devices evolve into ‘smart devices’, the primary requirements for realizing the digital contents providing services are to implement the compatibly secure payment protocol on m-commerce environ...