Bitcoin has recently raised substantial attention from a variety of players: media, academia, and regulators. While the price of Bitcoin has continuously and substantially gone down since its peak in December 2013, other metrics indicate a more optimistic prospect. The adoption of Bitcoin is increasing rapidly, even in off-line channels, with companies such as Microsoft, Paypal, EBay, Dell, and...

Background: The angular dependency of response for TLD cards may cause deviation from its true value on the results of environmental dosimetry, since TLDs may be exposed to radiation at different angles of incidence from the surrounding area.Objective: A 3D setting of TLD cards has been calibrated isotropically in a standard radiation field to evaluate the improvement of the accuracy of meas...

Federal law mandates the removal of personal bankruptcies from credit reports after 10 years. The removal’s effect is market efficiency in reverse. The short-term effect is a spurious boost in apparent creditworthiness, especially for the more creditworthy bankrupts, delivering a substantial increase in both credit scores and the number and aggregate limit of bank cards. The longer-term effect ...

Consumers’ ability to purchase goods and services from anywhere and at any time is a critical factor in the ubiquity of e-commerce. Credit cards enable a medium of exchange that facilitates the global e-commerce marketplace. Credit card providers’ and bank account service sites provide powerful tools for the individual to manage their credit card accounts, and allowing payment of monthly credit...

We use microeconomic data on households to estimate the parameters of the demand for currency derived from a generalized Baumol-Tobin model. Our data set contains information on average currency, deposits, and other interest-bearing assets; the number of trips to the bank; the size of withdrawals; and ownership and use of ATM cards. We model the demand for currency accounting for adoption of ne...

Personal credit scoring on credit cards has been a critical issue in the banking industry. The bank with the most accurate estimation of its customer credit quality will be the most profitable. The study aims to compare quality prediction models from data mining methods, and improve traditional models by using boosting and genetic algorithms (GA). The predicting models used are instant-based cl...

The use of story cards for user stories in many Extreme Programming software development projects has been widespread. Several popular traditional methods for story cards (e.g., Cohen M, Kent B) have been used in successful fashion at some extent, but all lack of the powerful features for story cards guidelines, right sort of information on story cards and quality of user stories on story cards...

Mixed reality games (MRGs) pose new challenges but also opportunities to designers. In order to make the design space of MRGs easily accessible and enable collaborative design in a playful manner we have developed Mixed Reality Game Cards. These ideation cards synthesize design knowledge about MRGs and are inspired by a variety of other successful ideation cards. We describe six studies, illust...

Existing bank-card payment systems, such as EMV, have two serious vulnerabilities: the user does not have a trustworthy interface, and the protocols are vulnerable in a number of ways to man-in-themiddle attacks. Moving to RFID payments may, on the one hand, let bank customers use their mobile phones to make payments, which will go a fair way towards fixing the interface problem; on the other h...