Academic literature on the topic 'Mobile wallet'
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Journal articles on the topic "Mobile wallet"
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Manickam, Thirupathi, Vinayagamoorthi G., Gopalakrishnan S., Sudha M., and Mathiraj S. P. "Customer Inclination on Mobile Wallets With Reference to Google-Pay and PayTM in Bengaluru City." International Journal of E-Business Research 18, no. 1 (January 2022): 1–16. http://dx.doi.org/10.4018/ijebr.293295.
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In this cashless economy era, Information and Communication Technology (ICT) plays a vital role in making payments using various payment modes. The mobile wallet app is an innovative technology for avoiding the usage of physical cash. The mobile wallet records all kinds of transactions with a clear payment reference and makes it accountable for tax payments. There are countless reasons for using mobile wallets which makes service providers confused and leads them to offer unattractive features in the wallet apps making the offer as a failure. This paper attempts to collect the data from the mobile wallet users and provide a clear understanding of the reasons for using mobile wallets. Secondly, the customer preferences towards Google Pay and PayTm are analyzed in detail with primary data collected from mobile wallet users to suggest a model for improving the business. This research was conducted to understand the customer's inclination towards the use of mobile wallets.
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Rajesh, Donda, M. Arpana Sagar, and Nalla Roshitha. "Users Perceptions and Problems on Mobile Wallet Payments – A Study in Visakhapatnam City." ComFin Research 10, S1-Jan (January 1, 2022): 12–16. http://dx.doi.org/10.34293/commerce.v10is1-jan.4750.
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The study analysed the perceptions and problems on mobile wallet payments. In recent times, wide usage of mobile wallet payments is witnessed in India, particularly in urban areas. While users’ base increases, there is a chance of increased problems related to mobile wallets. Server down, low internet connectivity, incomplete & delayed payments are the major problems related to usage of mobile wallets. in spite of these problems, majority of the respondents responded positively to the usage of mobile wallets.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 30, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.83.
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Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 30, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.92.
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Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.
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Vinayamoorthi, G., and M. Thirupathi. "Consumer’s Adoption of Digital Wallets With Special Reference to Bangalore City." Shanlax International Journal of Management 8, no. 2 (October 1, 2020): 108–13. http://dx.doi.org/10.34293/management.v8i2.3429.
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The role of technology in human life playing a crucial role in the present scenario in this globe. People are very fast to adopt technological things for the better convenience of their life and made simple. This study reveals how the people are adopting mobile wallet payment systems and the benefits of mobile wallet payments; it also finds out how the customers are comfortable with mobile wallets, perceptions, preferences, and reasons for using mobile wallet payment systems.
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Karthikeyan, K., and M. Dinesh Kumar. "A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India." ComFin Research 9, no. 4 (October 1, 2021): 17–23. http://dx.doi.org/10.34293/commerce.v9i4.4307.
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Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).
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George, Ajimon, and Prajod Sunny. "Developing a Research Model for Mobile Wallet Adoption and Usage." IIM Kozhikode Society & Management Review 10, no. 1 (December 16, 2020): 82–98. http://dx.doi.org/10.1177/2277975220965354.
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The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.
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Shukur, Mohammed H., Reem J. Ismail, and Laith R. Flaih. "Empower E-wallets Payment System by using A Hybrid Approach of Online and Offline Services." Cihan University-Erbil Scientific Journal 6, no. 2 (August 5, 2022): 23–27. http://dx.doi.org/10.24086/cuesj.v6n2y2022.pp23-27.
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Payment mechanisms are migrated to mobile devices as e-commerce grows, creating e-wallets. The current e-wallet payment solutions are based on online-connected smartphones. The transaction is completed using a mobile application, which requires a GPRS and Wi-Fi connection. People around the world are becoming more interested in e-wallets. Nevertheless, in Iraq, it grows slower than in other parts of the world after survey is done to ascertain the primary elements influencing Iraqis’ adoption of electronic wallets. This paper proposes a design of e-wallet Mobile app offering online to offline (O2O) payments that aim to replace traditional e-wallet, credit cards, debit cards, and cash using offline connectivity, near-field communication (NFC), and SMS-based payment mechanisms that are independent of internet connection.
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Vijai, Dr C. "Consumer Attitude and Intention to Adopt Mobile Wallets in India." Middle East Research Journal of Economics and Management 1, no. 1 (December 25, 2021): 46–52. http://dx.doi.org/10.36348/merjem.2021.v01i01.005.
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In today – world, smart phone has become an essential part of one‟s daily life. Mobile users can nowadays use their Smartphones to make money transactions or payments by using applications installed in the phone. When smartphones can function as leather wallets, it is called “Digital Wallet” or widely known as “Mobile Wallet”. The main aim of this empirical study is to examine the mobile wallets usage Consumer attitude and intention to adopt mobile wallet in Chennai city, India. The respondents were categorized on the basis of gender, age and occupation. The study is based on the primary data collected from 481 respondents by using a structured questionnaire. Five point likert scales was used in questionnaire for obtaining responses. The statistical tools applied in this study are ANOVA, Chi Square, Friedman Test, and frequency analysis. SPSS 20 was used to perform statistical analysis.
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Rana, Shailendra Singh. "A STUDY OF PREFERENCE TOWARDS THE MOBILE WALLETS AMONG THE UNIVERSITY STUDENTS IN LUCKNOW CITY." Scholedge International Journal of Management & Development ISSN 2394-3378 4, no. 6 (November 27, 2017): 46. http://dx.doi.org/10.19085/journal.sijmd040601.
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Few years back mobile wallet was something majority in India did not hear about but its use saw a huge leap in last couple of years with the surge of smart phones, high speed internet connectivity using 3G and 4G and the lucrative offers mobile wallets provide. This research paper is an attempt to study the preference towards mobile wallet among the students studying in various universities in Lucknow city.
Dissertations / Theses on the topic "Mobile wallet"
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Narayan, Srikant. "Mobile Payments : Comparison of Mobile Wallet Concepts." Thesis, KTH, Kommunikationssystem, CoS, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-143539.
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Mobile payments are an emerging trend and an alternative to traditional payment methods. Mobile payments involve the usage of the mobile phone to handle credit transfers during purchase of goods and peer to peer money transfers referred to as mobile wallet service, instead of depending on bank cards and cash. In this scenario, while the mobile wallet industry still being in its infancy there exist a few drivers of mobile wallet solutions aiming to create a de-facto standard in the mobile market. The major drivers of mobile wallets can be attributed to Mobile Network Operators (MNOs), banks and web based companies. In this report we would compare the motive behind every driver’s intent to enter the mobile payment market and the challenges associated in providing the wallet service to the market and assimilate the similarities and differences that exist among them. The key technical aspect behind the comparative analysis involves a standard set of factors on which the analysis would be based upon. The results obtained from the comparative analysis emphasizes on the significance behind the origin of industry of each mobile payment driver. The results also enlighten the varied yet partially coinciding objectives of each mobile payment driver. The approach adopted to conduct this research is primarily through analyzing different origin industry based mobile wallet drivers, and then generalizing the data based on the researched use case models. The comparative analysis performed is based on the generalized data obtained by studying the use case under each mobile payment driver. Further, to predict the future marketing strategy of each driver, ansoff matrix is employed to devise the roadmap. Finally the main objective of the investigation is answered, which is finding out the reasons behind the entry of different industry origin drivers into the mobile payment market and the challenges faced by them.
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Guler, Sevil. "Secure Bitcoin Wallet." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2015. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-177587.
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Virtual currencies and mobile banking are technology advancements that are receiving increased attention in the global community because of their accessibility, convenience and speed. However, this popularity comes with growing security concerns, like increasing frequency of identity theft, leading to bigger problems which put user anonymity at risk. One possible solution for these problems is using cryptography to enhance security of Bitcoin or other decentralised digital currency systems and to decrease frequency of attacks on either communication channels or system storage. This report outlines various methods and solutions targeting these issues and aims to understand their effectiveness. It also describes Secure Bitcoin Wallet, standard Bitcoin transactions client, enhanced with various security features and services.
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Zarrin, Kafsh Sanaz. "Developing Consumer Adoption Model on Mobile Wallet in Canada." Thesis, Université d'Ottawa / University of Ottawa, 2015. http://hdl.handle.net/10393/32391.
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The widespread use of smartphones and technological advances in near-field communication technologies are quickly transforming mobile payment systems. These technologies have made it possible for consumers to use their smartphones to pay for their purchases through various payments systems such as Apple’s iPay, MasterPass and V.me. These mobile payment systems, commonly referred to as mobile wallets, are designed to eliminate the need for consumers to carry multiple credit cards in their wallets, thereby making it more convenient for consumers to shop. Mobile wallets represent a major advance in mobile marketing because they are another major channel through which marketers can better reach and serve customers in a very personalized way. Realizing the potential benefits of mobile wallets for both marketers and consumers depends on the speed of adoption of this new technology. This study examines the factors that influence consumers’ decision to adopt mobile wallets. Drawing on the theoretical technology adoption and diffusion literatures, a model of the factors that influence mobile wallet adoption is proposed and tested with data collected from 530 respondents.
The purpose of this study was to develop a new technology acceptance model by combining TAM with IDT and exploring the factors that affect people’s behavioral intentions to use Mobile Wallet. Based on our proposed model, we explored the relationships among three innovative characteristics with PU and PEU with subjective norm which affect individuals’ intention for using Mobile Wallet. The results of this study show that some factors significantly influenced people behavioral intention to use Mobile Wallet. The effect of the trialability on the perceived usefulness is supported in this study. Subjective norm and awareness are correlated with the users’ perceived ease of use in Mobile Wallet. The findings suggest extended model of TAM for the acceptance of the Mobile Wallet can help industry players who are looking to build public demand and increase usage of Mobile Wallet.
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Schmid, Philipp, and Sabine Houy. "Investigating Security Aspects of Cryptocurrency Wallets - a Systematic Study." Thesis, Högskolan i Halmstad, Akademin för informationsteknologi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-44798.
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Cryptocurrencies are gaining prominence among individuals and companies alike, resulting in the growing adoption of so-called cryptocurrency wallet applications, as these simplify carrying out transactions. These wallets are available in a myriad of different forms and specifications. For example, there are hardware and software wallets. The latter can be divided into mobile, web, and desktop wallets. All of them offer attackers various ways to exploit vulnerabilities and steal money from victims. It is hard to keep track of this multitude of options and thus choose the right cryptocurrency wallet. For this reason, in this thesis, we collect the findings from previous literature to provide an overview of the various attack surfaces, possible countermeasures, and further research. Our systematic study has shown that there is still a considerable variety of attack vectors, which we have divided into six subcategories, (i) Memory and Storage, (ii) Operating Systems, (iii) Software Layer, (iv) Network Layer, (v) Blockchain Protocol, and (vi) Others. Some of the identified vulnerabilities have currently no solutions at all or hardly applicable countermeasures. However, some are easy to fix and simple to implement. One of the essential measures is to raise awareness of the identified weaknesses and the associated mitigations, if any, among the involved stakeholders, including users, developers, and exchanges.
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Kabir, Ziaul. "User Centric Design of an NFC Mobile Wallet Framework." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-37229.
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Near Field Communication (NFC) among various other things, allows end-users to enjoy contactless mobile services such as credit cards, transport tickets, office access etc. using NFC mobile phones. Such services are placed as software applications inside the secure-chip hardware of the NFC phone – often termed as a Secure Element (SE). Bringing these contactless smart-card services into mobile phones raises the need to allow the end-users to interact and control the information and the communication with secure-chip applications. The display of a mobile phone can easily allow such functionalities as graphical user interface applications. This thesis terms such applications as NFC mobile wallet applications where a mobile wallet is the container for all of these applications. A mobile wallet application for a single service is intended to be used on various phone platforms and often there is a need to keep the consistency and uniform functionalities between the designs. Primarily, this thesis aims to provide the means for the service providers (and for the developers) to design and develop one single wallet application for a particular NFC service and deploy it on various phone platforms using the support of a wallet framework. In order to achieve that, this thesis aims to identify a minimal but adequate set of user interaction functionalities for the mobile wallet services and include their support in the wallet framework. Due to time constraints, only three NFC services: payment, access control, and transport were investigated. Then a lightweight wallet framework was designed that includes support to implement the identified user interaction functionalities as a set of application programming interfaces (APIs) to develop interoperable wallet applications. There were complexities while designing the framework, for example, limited NFC supports on various phone platforms at this writing; however, the thesis achieved the desired goals at the end. Two prototype wallet applications were developed on the basis of the identified minimal functionalities and the wallet framework support. Usability testing was conducted for the prototypes to find usability issues and the applicability of the functionalities in the wallet interface. The result was very positive; the users had little trouble interacting with the wallet applications. Several recommendations were noted from the usability testing mainly on navigating the interface and consistency in the design, which are summarized for the developers as guidelines to develop wallet applications.
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Arslan, Bercis, and Blenda Fröjdh. "E-wallet - designed for usability." Thesis, KTH, Kommunikationssystem, CoS, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-252790.
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As the use of mobile payment applications (apps) and electronic wallets (e-wallets)increases, so does the demand for a improved user experience when interactingwith these apps. The field of Human-Computer interaction (HCI) focuses onthe design, evaluation, and implementation of interactive computing systems forhuman use. One aspect of HCI is usability, i.e., the quality of the interactions witha product or system. This thesis investigates how an e-wallet can be designed to provide a high level ofusability by conforming to best HCI practices and by formative evaluation using aset of usability evaluation methods.The research process consisted of an initial literature study and developmentof a prototype, which was evaluated iteratively through Thinking-aloud-protocol(TAP) and a combination of performance measurements and questionnaire by achosen test group. By each iteration, the results of the performance measurements, as well as theverbal data improved. The most complex or difficult task, for the test subjectsto perform, was, according to the results, Pay via manual input. All goals wereachieved for all tasks except for the performance goal of a percentage of errorsbelow 5%. To conclude, it was clear that the test subjects had more trouble understandingthe concept of the e-wallet rather than navigating and completing tasks. Thedifficulties lay in understanding how currencies were stored and how transactionshappened. When developing this e-wallet we noticed that the most importantissue was to make new functions and concepts familiar to the user through relatingit to recognizable ideas.I och med att användning av mobila betalningslösningar (appar) och elektroniskaplånböcker (e-plånböcker) ökar, ökar även efterfrågan på en förbättradanvändarupplevelse vid interaktion med dessa appar. Området människadatorinteraktion(MDI) fokuserar på design, utvärdering och implementeringav interaktiva datorsystem för mänsklig användning. En aspekt av MDI äranvändbarhet, dvs kvaliteten på interaktionerna med en produkt eller ett system.Detta kandidatexamensarbete undersöker hur en e-plånbok kan utformas föratt ge en hög användbarhet genom att anpassas till MDI praxis och formativutvärdering av designen med hjälp av en uppsättning utvärderingsmetoder föranvändbarhet. Forskningsprocessen bestod av en litteraturstudie och utveckling av en prototoyp,som utvärderades iterativt genom Thinking-aloud Protocol (TAP) samt enkombination av prestationsmätningar och frågeformulär av en vald testgrupp.Efter varje iteration förbättrades resultaten av prestationsmätningarna, såvälsom för den verbala datan. Den mest komplexa eller svåra uppgiften,för testpersonerna att utföra, var, enligt resultaten, Betalning via manuelinmatning. Alla mål uppnåddes för alla uppgifter förutom prestationsmålet fören procentandel av fel under 5%. Avslutningsvis var det tydligt att testpersonerna fann det svårare att förståkonceptet av e-plånboken än att navigera och slutföra uppgifterna. Svårigheternalåg i att förstå hur valutor lagrades och hur transaktioner gick till. När viutvecklade den här e-plånboken märkte vi att den viktigaste uppgiften var att göranya funktioner och koncept förståerliga för användaren genom att koppla dem tilligenkännliga idéer.
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Eliasi, Behnam, and Arian Javdan. "Comparison of blockchain e-wallet implementations." Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-258932.
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With the rise of blockchain technology and cryptocurrency, secure e-wallets also become more important. But what makes an e-wallet secure? In this report, we compare different aspects of ewallets to see which alternatives are secure and convenient enough to be used.This report contains comparative analyses of different implementation for e-wallets. The problem area is divided into three smaller areas: Key storage, authentication, and recovery. These problem areas have defined criteria for what is considered good qualities in each respective area.The results show that for key storage, the best options are, Android’s keystore/IOS’ secure enclave, offline storage or a hybrid hot/cold storage. For authentication, the best alternatives proved to be BankID and local authentication through the phone’s OS. Good Recovery alternatives include recovery seeds that recover the whole e-wallet or using multiple keys for both signing and recovery.The proof of concept made for this project uses three different storage methods with the authentication methods for each one and with the possibility of recovery in case a key should be lost. The storage methods used are offline storage thought QR-codes, online storage with firebase and local storage with Android keystore or Secure enclave. Authentication is done with Facebook/Google sign in or local authentication.Med blockkedja och kryptovalutornas ökande popularitet blir säkra e-plånböcker allt mer viktiga. Men vad gör en e-plånbok säker? I detta arbete ska olika implementationer för e-plånböcker undersökas för att se vilka alternativ som är tillräckligt säkra samt användarvänliga.Problemområdena delas upp i följande delar: nyckellagring, autentisering och återhämtning av stulen/förlorade nycklar. Arbetet innefattar jämförelser mellan olika lösningar till dessa områden med definierade jämförelsekriterier.Resultatet visar att för nyckellagring är de bästa alternativen Androids keystore system/IOS secure enclave som båda är en form av säker lagringsplats på telefonen, offline lagring och hybridlagring som enkelt förklarat är en tjänst som bevarar data offline och gör den online när användaren väl vill ha tillgång till datan. För autentisering är de bästa alternativen BankID och lokal autentisering genom telefonens operativsystem. För återhämtning av nycklar är de bästa alternativen recovery seed eller att använda multipla nycklar för både signering och återhämtning.En proof of concept gjordes där lagringsmetoderna papper (exempelvis QR-kod), online-lagring med Firebase och lokal lagring med Android keystore eller Secure enclave implementerats. Autentiseringen sker med hjälp av Facebook/Google login och lokal autentisering. Återhämtning görs med två utav tre nycklarna som används för både signering och återhämtning.
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Sánchez, Garvín Mario. "Network constellations for mobile payments - Influence of the leading partner on NFC-based mobile digital wallets." Thesis, KTH, Bygg- och fastighetsekonomi, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-76718.
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The mobile payments industry, which is currently at an early stage of development, is taking the direction to be established mainly as an NFC-based industry, and, moreover, led by the mobile digital wallets setting. A mobile digital wallet is a complete payment app for your NFC-enabled mobile phone that enables consumers to pay at stores at the point of sale with a mobile phone. The digital wallet, which is associated with a credit card, integrates all payment-related services like the management and storage of receipts, coupons and offers, and loyalty cards. Currently, there are three big partnerships going ahead of the NFC mPayments stream: Google Wallet, VISA’s Digital Wallet and ISIS Mobile Wallet. Each one of these three mobile digital wallets is led by an actor coming from a different industry of origin. Google Wallet is led by Google, an internet and technology actor. VISA’s Digital Wallet is managed by Visa, a traditional payment processor. And ISIS Mobile Wallet is led by three of the largest US telecom operators: AT&T, T-Mobile and Verizon. Thus, applying a business network theory to analyse how the industry of origin of the mobile digital wallet affects the interaction within the partnership formed is a unique and perfectly fitted opportunity. The aim of this Master Thesis was to analyse the influence, regarding interaction, of the origin industry of the leading partners on the NFC-based mobile digital wallet partnerships of the mobile payments developing industry. A literature review on business network theory was conducted, in order to identify key features of the business landscape affecting interaction on business networks, as well as an industry analysis of the mobile payments developing industry. Then, the business network theory approach was applied to the study of the mobile payments digital wallet setting, conducting a discussion based both on the industry analysis performed and a set of interviews with experts on the mobile payments industry.
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Ba, Jing. "Analysis of Security Risks in Mobile Payments : A Case Study Using DNAT." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-119997.
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Technology development always makes the life easier and faster thus it also impacts the way we do business in our lives. As the widespread usage of mobile devices in recent years mobile technology has created an environment in which people around the world are getting closer. Recently the popularity of personal mobile devices like Ipad and Iphone leads to the appearance of opportunities to improve payments more fast and efficient. And for the past years various services and applications for mobile payment have been developed by the companies which are eager for the leader positions in the new market. With the development of mobile payment and the important relationship between payment and our lives, a lot of security risks associated with this field should be extensively studied. This thesis aims to analyze the security risks related to the mobile payment. This thesis uses an explorative method to research the stakeholders, critical assets and vulnerabilities within mobile payment by utilizing case studies of Square and Google Wallet. The information gathered from the case studies and security analysis is further analyzed by the dynamic network analysis tool (ORA) in order to discover the security risks. The results of this thesis indicate that accounts and business data are the most critical assets in mobile payment because accounts are the foundation to perform payment transactions. Further, the mobile payment service provider, merchant and consumer are the stakeholders affected most by the security risks. And this thesis concludes that all the stakeholders should be aware of the security risks within the mobile payment environment, and further if service and device providers want to keep continuous business they should make more effort to cooperate with each other to protect the users against these risks.
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Bartoo, Debora S. "Financial Services Innovation: Opportunities for Transformation Through Facial Recognition and Digital Wallet Patents." Antioch University / OhioLINK, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1370778739.
Full textBooks on the topic "Mobile wallet"
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Services, RNCOS Business Consultancy. M-Wallet: Scenario post demonetisation. New Delhi, India: ASSOCHAM, 2017.
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Giles, Michael A. Design, construction and field testing of a mobile hatchery for thirty million walleye eggs. Winnipeg, Man: Central and Arctic Region, Dept. of Fisheries and Oceans, 1987.
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Hanʼguk ŭi yŏhaeng munhak. Sŏul Tʻŭkpyŏlsi: Ihwa Yŏja Taehakkyo Chʻulpʻanbu, 2006.
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Schropfer, David W. The Top 20 Public Companies In The Mobile Wallet Industry. The Top 20 Public Companies In The Mobile Wallet Industry, 2014.
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Global Mobile Wallet Market to Expand at a CAGR of 38.2% between 2016 and 2023: Credence Research. Serena Peter, 2016.
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Gerald, David. Using Big Data Analytics in : Passenger Travel with Mobile Trajectory , Usage of e-Wallet, Luxury Brand's Social Media Marketing: Big Data. Independently Published, 2021.
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Imagine No. 09: Prototyping Efn Mobile. NAi Uitgevers / Publishers Stichting, 2016.
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Stephens, Keri K. Negotiating Mobile Control. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780190625504.003.0003.
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In the late 1990s and early 2000s, mobile use started expanding. From Nokia phones to BlackBerrys, these business tools often were considered status symbols—so it’s natural that control issues emerged. This chapter discusses some cultural-differences data, along with the gut-wrenching decisions that Kjell, a Norwegian entrepreneur, and Matt, a Wall Street Journal executive, had to make concerning whose jobs warranted mobile devices. These managers wrestled with issues of productivity, budgeting, fairness, mooching, and status. The chapter shows what happens when there’s a “boss in your pocket,” as well as the temptation to work all weekend when “sent from my iPhone” appears at the bottom of a message at 6 p.m. on Friday evening. This chapter invites readers to consider issues of hierarchical control and what happens when some workers are accessible 24/7.
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Meier, Dennis, Jan Seidel, Marty Gregg, and Ramamoorthy Ramesh. Domain Walls. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198862499.001.0001.
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Technological evolution and revolution are both driven by the discovery of new functionalities, new materials and the design of yet smaller, faster, and more energy-efficient components. Progress is being made at a breathtaking pace, stimulated by the rapidly growing demand for more powerful and readily available information technology. High-speed internet and data-streaming, home automation, tablets and smartphones are now ‘necessities’ for our everyday lives. Consumer expectations for progressively more data storage and exchange appear to be insatiable. In this context, ferroic domain walls have attracted recent attention as a completely new type of oxide interface. In addition to their functional properties, such walls are spatially mobile and can be created, moved, and erased on demand. This unique degree of flexibility enables domain walls to take an active role in future devices and hold a great potential as multifunctional 2D systems for nanoelectronics. With domain walls as reconfigurable electronic 2D components, a new generation of adaptive nano-technology and flexible circuitry becomes possible, that can be altered and upgraded throughout the lifetime of the device. Thus, what started out as fundamental research, at the limit of accessibility, is finally maturing into a promising concept for next-generation technology.
Book chapters on the topic "Mobile wallet"
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De Soete, Marijke. "Mobile Wallet." In Encyclopedia of Cryptography and Security, 789. Boston, MA: Springer US, 2011. http://dx.doi.org/10.1007/978-1-4419-5906-5_293.
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Belkhir, Abdelkader, Maria Belkhir, and Fayçal Bouyakoub. "Phone Wallet for Mobile Payment in Algeria." In Innovations in Smart Cities Applications Volume 5, 413–19. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-94191-8_33.
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Latha, A., and M. Deepa. "Consumer perspective on mobile wallet payment system." In Interdisciplinary Research in Technology and Management, 148–54. London: CRC Press, 2023. http://dx.doi.org/10.1201/9781003358589-20.
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Khanum, Saba, Dishika Bisht, Kirti Kashyap, and Muskan Mehta. "Vulnerability Assessment of Cryptocurrency Wallet and Exchange Websites." In Mobile Radio Communications and 5G Networks, 483–92. Singapore: Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-19-7982-8_40.
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Shaw, Norman, and Brenda Eschenbrenner. "Mobile Wallet Adoption: Does Ubiquity Make a Difference?" In HCI in Business, Government and Organizations, 277–92. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-77750-0_18.
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Kozlovsky, Jan, Jan Dvorak, and Ondrej Krejcar. "Location Based Services Used in Smart Electronic Wallet Mobile Application." In Mobile Web and Intelligent Information Systems, 353–62. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-44215-0_30.
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Fosso Wamba, Samuel, and Maciel M. Queiroz. "Mobile Wallet Continuance Adoption Intention: An Empirical Study in Cameroon." In Re-imagining Diffusion and Adoption of Information Technology and Systems: A Continuing Conversation, 82–90. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-64861-9_8.
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Kavitha, R., R. Rajeswari, Pratyusa Mukherjee, Suchismita Rout, and S. S. Patra. "Performance Measures of Blockchain-Based Mobile Wallet Using Queueing Model." In Intelligent Systems and Sustainable Computing, 269–77. Singapore: Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-0011-2_25.
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Eschenbrenner, Brenda, and Norman Shaw. "The Mediation Role of Compatible Advantage in Mobile Wallet Usage." In HCI in Business, Government and Organizations, 190–201. Cham: Springer Nature Switzerland, 2023. http://dx.doi.org/10.1007/978-3-031-35969-9_13.
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Ho, Debby, Milena Head, and Khaled Hassanein. "Developing and Validating a Scale for Perceived Usefulness for the Mobile Wallet." In Advances in Intelligent Systems and Computing, 469–76. Berlin, Heidelberg: Springer Berlin Heidelberg, 2013. http://dx.doi.org/10.1007/978-3-642-36981-0_43.
Full textConference papers on the topic "Mobile wallet"
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Olsen, Mia, Jonas Hedman, and Ravi Vatrapu. "e-Wallet Properties." In 2011 Tenth International Conference on Mobile Business, ICMB. IEEE, 2011. http://dx.doi.org/10.1109/icmb.2011.48.
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Steffens, Ernst-Joachim, Axel Nennker, Zhiyun Ren, Ming Yin, and Lutz Schneider. "The SIM-based mobile wallet." In 2009 13th International Conference on Intelligence in Next Generation Networks (ICIN): "Beyond the Bit Pipes". IEEE, 2009. http://dx.doi.org/10.1109/icin.2009.5357095.
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Chen, You-Ping, and Ju-Chun Ko. "CryptoAR Wallet." In MobileHCI '19: 21st International Conference on Human-Computer Interaction with Mobile Devices and Services. New York, NY, USA: ACM, 2019. http://dx.doi.org/10.1145/3338286.3344386.
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Zhao, Hao, and Sead Muftic. "The concept of Secure Mobile Wallet." In 2011 World Congress on Internet Security (WorldCIS-2011). IEEE, 2011. http://dx.doi.org/10.1109/worldcis17046.2011.5749882.
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De, Pradipta, Kuntal Dey, Vinod Mankar, and Sougata Mukherjea. "Towards an interoperable mobile wallet service." In 2013 10th International Conference & Expo on Emerging Technologies for a Smarter World (CEWIT). IEEE, 2013. http://dx.doi.org/10.1109/cewit.2013.6713767.
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"Determinants of Mobile Wallet Service Usage." In rd Joint International Conference on Accounting, Business, Economics and Politics. Tishk International University, 2021. http://dx.doi.org/10.23918/icabep2021p18.
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Casal, João, David Monteiro, Laís Sousa, Patrick Santos, João Santos, and Jorge Ramos. "Requirements Elicitation for a Holistic Mobile Wallet Ecosystem." In 14th International Conference on e-Business. SCITEPRESS - Science and Technology Publications, 2017. http://dx.doi.org/10.5220/0006390600630070.
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Vasquez, Luis Fernando Guerrero, Diego Andres Cuji Dutan, and Edgar Efrain Ochoa Figueroa. "Analysis of mobile wallet model applicable for Ecuador." In 2016 IEEE NW Russia Young Researchers in Electrical and Electronic Engineering Conference (EIConRusNW). IEEE, 2016. http://dx.doi.org/10.1109/eiconrusnw.2016.7448313.
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Ekhsan, Hawa Mohd, Mohamad Arif Asraf Zainudin, and Jiwa Noris Hamid. "Mobile App for Wallet Tracking using GPS Tracker." In 2021 6th IEEE International Conference on Recent Advances and Innovations in Engineering (ICRAIE). IEEE, 2021. http://dx.doi.org/10.1109/icraie52900.2021.9704001.
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Sakalauskas, Eligijus, Jonas Muleravicius, and Inga Timofejeva. "Computational resources for mobile E-wallet system with observers." In 2017 Electronics. IEEE, 2017. http://dx.doi.org/10.1109/electronics.2017.7995226.
Full textReports on the topic "Mobile wallet"
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Seybold, Patricia. The Mobile E-Wallet Customer Ecosystem. Boston, MA: Patricia Seybold Group, September 2012. http://dx.doi.org/10.1571/vs09-14-12cc.
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León, Carlos. The dawn of a mobile payment scheme: The case of Movii. Banco de la República, March 2021. http://dx.doi.org/10.32468/be.1157.
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Mobile wallets replicate physical wallets on a mobile device, in which users can store different payment instruments (e.g., cards, transfers) to make mobile payments. As the mobile wallet is adopted, a mobile payment scheme emerges, with its users as elements in a network of transfers. In this article, I study the mobile payment scheme of Movii— the first fintech firm in Colombia operating under a financial non-banking license for electronic deposits and payments. Based on a unique dataset of bilateral transfers between Movii’s mobile wallet users, I build, visualize and analyze Movii’s network, daily from November 18, 2017, to November 25, 2020. Besides the anticipated increase in the number of users and the value of transfers, the visual and quantitative complexity of the network of transfers increases over time. This increase in complexity is likely to be linked to the adoption of Movii’s mobile wallet, which results in users finding new ways to use mobile payments beyond person-to-person transfers, including person-to-business and business-to-business. Also, results suggest the Covid-19 pandemic accelerated the evolution of Movii’s mobile payments scheme.
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Seybold, Patricia. Who Are the Key Players in Mobile E-Wallets in the U.S.? Boston, MA: Patricia Seybold Group, September 2012. http://dx.doi.org/10.1571/vs09-06-12cc.
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Cavallaro, Paul V., and Melvin Jee. A Combined Experimental/Analytical Approach to Support the Design of a Lightweight, Rigid-Wall, Mobile Shelter. Fort Belvoir, VA: Defense Technical Information Center, November 2007. http://dx.doi.org/10.21236/ada474726.
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(CIEH), Chartered Institute of Environmental Health. Online display of food hygiene ratings by food businesses in Wales. Food Standards Agency, June 2023. http://dx.doi.org/10.46756/sci.fsa.lvn877.
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The Chartered Institute of Environmental Health (CIEH) was commissioned by the Food Standards Agency (FSA) to facilitate a workshop to explore regulators views about proposals to introduce mandatory online display of food hygiene ratings by food businesses in Wales. This report details the findings. Participants were supportive of the FSA’s proposals and welcomed the opportunity for engagement at an early stage. They were unanimous in their views that mandating the display of food hygiene ratings online by businesses would represent a natural progression of the current scheme which has evolved over time, reflecting changes in the landscape whereby online food sales have increased dramatically. A gradual approach to introducing any new requirements for food businesses was favoured with voluntary online display by pathfinder businesses initially, followed by phased implementation of a statutory scheme. The likely IT challenges associated with implementation, particularly for small food businesses was highlighted as a concern by participants who welcomed the prospect of a potential technological solution which would automatically update business websites and social media accounts with up-to-date ratings. The resource implications for already stretched local authorities associated with verifying business compliance was highlighted, but the opportunity for this surveillance to be done remotely by the FSA or others was identified, with LAs only needing to be notified in the event of a problem or non-compliance being identified for potential enforcement action. Investment in technology was identified as key to the success of this initiative as there was a general feeling that whilst the Food Hygiene Rating Scheme (FHRS) has developed over time, the technology supporting it has not. Participants suggested that a mobile app should be developed to provide consumers with quick, easy to access up-to-date ratings information. A mobile app would also enable other benefits to be realised. Early engagement about proposals with aggregators and identification of pathfinder food businesses were identified as potential next steps for the FSA, together with continuation of work to explore technological fixes to reduce potential burdens on businesses and regulators associated with implementation of the Scheme.
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Payment Systems Report - June of 2021. Banco de la República, February 2022. http://dx.doi.org/10.32468/rept-sist-pag.eng.2021.
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Banco de la República provides a comprehensive overview of Colombia’s finan¬cial infrastructure in its Payment Systems Report, which is an important product of the work it does to oversee that infrastructure. The figures published in this edition of the report are for the year 2020, a pandemic period in which the con¬tainment measures designed and adopted to alleviate the strain on the health system led to a sharp reduction in economic activity and consumption in Colom¬bia, as was the case in most countries. At the start of the pandemic, the Board of Directors of Banco de la República adopted decisions that were necessary to supply the market with ample liquid¬ity in pesos and US dollars to guarantee market stability, protect the payment system and preserve the supply of credit. The pronounced growth in mone¬tary aggregates reflected an increased preference for liquidity, which Banco de la República addressed at the right time. These decisions were implemented through operations that were cleared and settled via the financial infrastructure. The second section of this report, following the introduction, offers an analysis of how the various financial infrastructures in Colombia have evolved and per¬formed. One of the highlights is the large-value payment system (CUD), which registered more momentum in 2020 than during the previous year, mainly be¬cause of an increase in average daily remunerated deposits made with Banco de la República by the General Directorate of Public Credit and the National Treasury (DGCPTN), as well as more activity in the sell/buy-back market with sovereign debt. Consequently, with more activity in the CUD, the Central Securi¬ties Depository (DCV) experienced an added impetus sparked by an increase in the money market for bonds and securities placed on the primary market by the national government. The value of operations cleared and settled through the Colombian Central Counterparty (CRCC) continues to grow, propelled largely by peso/dollar non-deliverable forward (NDF) contracts. With respect to the CRCC, it is important to note this clearing house has been in charge of managing risks and clearing and settling operations in the peso/dollar spot market since the end of last year, following its merger with the Foreign Exchange Clearing House of Colombia (CCDC). Since the final quarter of 2020, the CRCC has also been re¬sponsible for clearing and settlement in the equities market, which was former¬ly done by the Colombian Stock Exchange (BVC). The third section of this report provides an all-inclusive view of payments in the market for goods and services; namely, transactions carried out by members of the public and non-financial institutions. During the pandemic, inter- and intra-bank electronic funds transfers, which originate mostly with companies, increased in both the number and value of transactions with respect to 2019. However, debit and credit card payments, which are made largely by private citizens, declined compared to 2019. The incidence of payment by check contin¬ue to drop, exhibiting quite a pronounced downward trend during the past last year. To supplement to the information on electronic funds transfers, section three includes a segment (Box 4) characterizing the population with savings and checking accounts, based on data from a survey by Banco de la República con-cerning the perception of the use of payment instruments in 2019. There also is segment (Box 2) on the growth in transactions with a mobile wallet provided by a company specialized in electronic deposits and payments (Sedpe). It shows the number of users and the value of their transactions have increased since the wallet was introduced in late 2017, particularly during the pandemic. In addition, there is a diagnosis of the effects of the pandemic on the payment patterns of the population, based on data related to the use of cash in circu¬lation, payments with electronic instruments, and consumption and consumer confidence. The conclusion is that the collapse in the consumer confidence in¬dex and the drop in private consumption led to changes in the public’s pay¬ment patterns. Credit and debit card purchases were down, while payments for goods and services through electronic funds transfers increased. These findings, coupled with the considerable increase in cash in circulation, might indicate a possible precautionary cash hoarding by individuals and more use of cash as a payment instrument. There is also a segment (in Focus 3) on the major changes introduced in regulations on the retail-value payment system in Colombia, as provided for in Decree 1692 of December 2020. The fourth section of this report refers to the important innovations and tech¬nological changes that have occurred in the retail-value payment system. Four themes are highlighted in this respect. The first is a key point in building the financial infrastructure for instant payments. It involves of the design and im¬plementation of overlay schemes, a technological development that allows the various participants in the payment chain to communicate openly. The result is a high degree of interoperability among the different payment service providers. The second topic explores developments in the international debate on central bank digital currency (CBDC). The purpose is to understand how it could impact the retail-value payment system and the use of cash if it were to be issued. The third topic is related to new forms of payment initiation, such as QR codes, bio¬metrics or near field communication (NFC) technology. These seemingly small changes can have a major impact on the user’s experience with the retail-value payment system. The fourth theme is the growth in payments via mobile tele¬phone and the internet. The report ends in section five with a review of two papers on applied research done at Banco de la República in 2020. The first analyzes the extent of the CRCC’s capital, acknowledging the relevant role this infrastructure has acquired in pro¬viding clearing and settlement services for various financial markets in Colom¬bia. The capital requirements defined for central counterparties in some jurisdic¬tions are explored, and the risks to be hedged are identified from the standpoint of the service these type of institutions offer to the market and those associated with their corporate activity. The CRCC’s capital levels are analyzed in light of what has been observed in the European Union’s regulations, and the conclusion is that the CRCC has a scheme of security rings very similar to those applied internationally and the extent of its capital exceeds what is stipulated in Colombian regulations, being sufficient to hedge other risks. The second study presents an algorithm used to identify and quantify the liquidity sources that CUD’s participants use under normal conditions to meet their daily obligations in the local financial market. This algorithm can be used as a tool to monitor intraday liquidity. Leonardo Villar Gómez Governor
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Financial Infrastructure Report 2022. Banco de la República, June 2023. http://dx.doi.org/10.32468/rept-sist-pag.eng.2022.
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Banco de la República's monitoring of the local financial market infrastructure is an additional contribution to the country's financial stability. One of the products of that monitoring has been the Payment Systems Report, which is now known as the Financial Infrastructure Report. The change in name, as of this edition, is intended to reflect in a broader way the issues that are addressed in the report. The 2022 edition includes several changes that are the result of a comparative study of financial infrastructure reports prepared by other central banks. These changes seek to make the report more fluid and easier to read, including main points and selected key figures for the different interest groups to which it is addressed. The report shows the financial infrastructure continued to render its services without interruption, with general evidence of good performance in 2021. Additionally, the resilience of the Central Counterparty Risk of Colombia (CRCC) and the Large-value Payments System (CUD) to extreme events was validated, based on stress tests conducted according to international standards (focused on liquidity and credit risk). As for retail payments, transactional information indicates the use of electronic instruments increased in terms of value during 2021 compared to 2020 (credit and debit cards, checks and electronic funds transfers). The use of debit and credit cards in payments rose to levels similar to those reached in the pre-pandemic year. Meanwhile, electronic funds transfers continued to grow. Although the results of the BR 2022 survey show cash continues to be the instrument most used by the public for regular payments (like the situation in other countries), the perception of its use decreased significantly to 75 % (87 % in 2019). Also, in commerce, cash was the preferred instrument for customers. However, in this measurement, several retail channels such as hairdressers, drugstores and restaurants joined the group that has traditionally received electronic payments for a value greater than 10% of their sales (hypermarkets and gas stations). Likewise, for nearly 50% of the population, cash payments are lower than before the pandemic. This is consistent with the transactional increase in electronic payment instruments that was observed in 2021. Banco de la República continues to monitor the technological developments that have expanded and modernized the supply in the international and local payments market, as these are issues of interest to the industry that provides clearing and settlement services. This report outlines the Pix case for instant payments in Brazil, the projects that are underway regarding the possible issue of digital currency by central banks (CBDC) for cross-border payments, as well as an approach to the Fintech ecosystem in Colombia, with an emphasis on companies that provide payment services. Leonardo Villar Governor Main points: 2022 The local financial infrastructure was safe and efficient throughout the year. The services of the financial infrastructure were proved on a continuous basis, showing good performance overall. Less momentum in the large-value payment system CUD activity declined versus the previous year because of fewer government deposits with BanRep. This was offset partially by growth in repos to increase money supply and in retail-value payments (electronic funds transfers, checks and cards). Increased momentum in financial market infrastructures. Larger amounts were cleared and settled through the Central Securities Depository (DCV) due to an increase in the market for sovereign debt. Operations managed by the Central Counterparty Risk of Colombia (CRCC) increased due to inclusion of the foreign exchange segment and the positive evolution in non-delivery forward peso/dollar contracts. Added confidence in the peso/dollar spot foreign exchange market due to CRCC interposition. Number and value of trades grew, mainly due to the adjustment of therisk management model for the FX segment and the increase in the limiton net selling positions in dollars. Stress testing with international standards to validate CRCC and CUD resilience Stress tests conducted independently by the SFC, BanRep and the CRCC, like those done in England and the United States, concluded that the CRCC's risk management model allows it to withstand extreme market events and simultaneous defaults by its main members. Based on the experience of other central banks, BanRep strengthened its intraday liquidity risk stress exercises in the CUD by incorporating temporary payment delays. It calculated that a two-hour delay by a key participant increases the system's liquidity needs by 0.5%. Electronic payments increased during 2021 According to transactional information, all electronic payment instruments increased in value versus 2020 (electronic funds transfers, checks and debit and credit cards). Electronic funds transfers continued to grow (80% from legal entities), with the participation of closed schemes driven particularly by the use of mobile wallets (35% of the number of intra-transfer transactions). The use of debit and credit cards for payments climbed to levels similar to those witnessed in the pre-pandemic year. Cash continues to be the instrument most used by the public for regular payments. The results of the BanRep survey in 2022 show that the perception of the use of cash declined significantly to 75% (87% in 2019), and about 50% of the population perceive their cash payments as being lower than those they made before the pandemic. Electronic funds transfers were second most used instrument, having increased to 15% (3% in 2019). Also, in commerce, cash was the preferred instrument of payment for its customers; however, several commerce channels received more than 10% of the value of their sales in electronic payments (hypermarkets 35%, gas stations 25%, hairdressers 15%, drugstores 14% and restaurants 12%). Continuous technological developments have broadened, and modernized services offered in the payments market. Pix (instant payments in Brazil). The high level of adoption of instant transfers in Brazil motivated a review of its strengths; namely, the possibility of different use cases between individuals, businesses, and government; high participation by financial and payment institutions; free of charge for individuals and the possibility of charging legal entities, and simple user experience. Digital currencies in central banking. Several groups of countries have joined forces to conduct pilot projects with wholesale CBDCs for cross-border payments. Flows generated by international trade, foreign investment and remittances between individuals can be processed more efficiently, transparently, and securely by reducing their cost and increasing their speed. Due to the constant progress being made on this issue, BanRep will continue to monitor all CBDC-related matters. The fintech ecosystem for payments in Colombia. A high percentage of existing FinTech companies in the country are dedicated to offering digital payment services: wallets, payment gateways, mobile devices (point-of-sale terminals) and acquisition. These have driven innovation in payment services.