Based on a survey of 1000 Hispanic and 1000 African-American business owners on the impacts e-commerce and e-cash are expected to have upon business practices, there were significant discrepancies between perceptions of these two groups regarding their ability to track and retain customers and to authenticate the source of e-cash payments. In addition, while both groups of owners agreed that e-...

The growing prevalence of electronic commerce and the widespread use of mobile devices have made mobile payments an interesting alternative method of payment for customers and merchants. One major issue to be resolved is the integration of a real-time wireless means of payment within their current payment system. In this paper, we propose an architecture of mobile payment system to improve busi...

The success of electronic commerce depends upon effective electronic payment systems. The Internet and on-line businesses are growing exponentially.. Due to this explosive growth, electronic commerce on the Internet uses various electronic payment mechanisms that can cater for much diversity of applications. This paper discusses the evolution and the growth of electronic technologies, which can...

Micro-payment systems have the potential to provide non-intrusive, high-volume and low-cost pay-as-you-use services for a wide variety of webbased applications. However, adding micro-payment support to web-sites is usually time-consuming and intrusive, both to the web site’s software architecture and its user interface implementation. We describe a plug-in, component model for adding micro-paym...

The growing prevalence of electronic commerce and the widespread use of mobile devices has made mobile payments an interesting alternative method of payment for customers and merchants. One major issue to be resolved is the integration of a real-time wireless means of payment within their current payment system. In this paper, we propose a new architecture of mobile payment system to improve bu...

We use logit analysis to exploit a self-collected dataset on the payment and delivery options offered by the vast majority of B2C websites in 5 Central Asian transition economies. Specifically, we conduct a supply-side test of the Transaction Context Model, which highlights the role of perceived risk. Our results confirm that higher product risk increases the probability that e-retailers adopt ...

With the development of the information technology, using Internet to pay for goods and services has become a very popular application. The traditional forms of payment can not be applied to e-commerce environment. Because of the complexity of online transactions related to capital flows and goods flows, the transaction process requires higher security and reliability. One mature approach for e...

New web vendors emerge daily as business-to-consumer e-commerce grows substantially over the years. However, new web vendors may be regarded with skepticism in an existing marketplace, and may require third party support to reduce uncertainty. This study investigates the effect of consumer’s perceived security and reputation of web vendors on consumer’s purchase intention and third party paymen...

Everything in the world is turning into electronic mode; all our basic requirements are now fulfilled electronically through e-business. One of the main operations that are affected is the payment of different transactions and activities. The latest payment techniques emerged recently was mobile payment where a user can proceed with the payment operation easily through mobile. This study identi...

The rapid growth of data communications networks in recent years has led to enormous development in electronic commerce. Internet banking and trading are two important applications that execute financial transaction from anywhere in the world. This enables banks and merchants to simplify their financial transaction process as well as to provide customer friendly service 24-hours a day. On one h...