Introduced in Ghana in 2008, the e-ZWICH is Africa’s first biometric electronic payment system. Though it was introduced four years ago to promote a cashless society, the level of awareness and patronage seem to be low and some have even predicted its failure in the near future. It is against this background that the study has been conducted to unravel the challenges and prospects associated wi...

Despite the flourishing research on formal modeling and analysis of privacy and authentication issues in E-commerce, little research concentrates on the possible security risk due to business logic specification. In E-commerce systems, an aspect of this logic is to promise fairness. As the feature ensuring parties conduct their business to their mutual moral standards, fairness is one of the pa...

This article describes research into online electronic payment systems, focusing on the aspects of payment systems that are critical for their acceptance by end users. Based on our earlier research and a diary study of payments with an online payment system and with online banking systems of a reputable bank, we proposed a set of 12 interaction design guidelines. The guidelines have been applie...

The popularity of mobile platforms makes them a good candidate for electronic payment. However, there are challenges in this field such as privacy protection, security, the bandwidth limitations of mobile networks, and the limited capabilities of mobile devices. Traditional e-commerce payment protocols were designed to keep track of traditional flows of data, are vulnerable to attacks and are n...

Document Information: Title: On consolidation model in e-bill presentment and payment Author(s): Olufunke Vincent, (Artificial Intelligent Group, Department of Computer Science, University of Agriculture, Abeokuta, Nigeria), Olusegun Folorunso, (Artificial Intelligent Group, Department of Computer Science, University of Agriculture, Abeokuta, Nigeria), Ayodele Akinde, (Artificial Intelligent Gr...

(ii) Significant hardship exception. CMS may, on a case-by-case basis, exempt an eligible professional (or in the case of a group practice under paragraph (e) of this section, a group practice) from the application of the payment adjustment under paragraph (c)(2) of this section if, CMS determines, subject to annual renewal, that compliance with the requirement for being a successful electronic...

This paper will present the reasons for success of e-banking (including actual results) in Croatia both among the individuals and companies. The main reason is that up to early 2002 all companies' payments were done through a centralized system. Only then banks started to do payment services for companies which were faced with a rather easy choice – continue using paper payment orders and recei...