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Littérature scientifique sur le sujet « Mobile Financial Service Provider (MFSP) »
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Articles de revues sur le sujet "Mobile Financial Service Provider (MFSP)"
1
Amran, Afifa Malina, Intan Salwani Mohamed, Sharifah Norzehan Syed Yusuf et Nabilah Rozzani. « Financial and Social Performances of Islamic Microfinance Service Provider With Mobile Banking ». International Journal of Financial Research 10, no 5 (10 juin 2019) : 181. http://dx.doi.org/10.5430/ijfr.v10n5p181.
Texte intégralRésumé :
In Malaysia, Islamic microfinance institutions (IMFIs) are part of Islamic financial institutions and have been established to provide Islamic microfinance products (interest free loans). Their aim is to promote trade activities among Islamic microfinance recipients in improving their standard of living. Information and data gathered can be used as evidence to prove that Islamic microfinance has traits that provide a support system for the poorest of the poor. This study hence intends to investigate the application of technology by Islamic microfinance institutions within a context of its accounting information system through the usage of mobile banking. This study is conducted using qualitative approaches via interviews to obtain in depth understanding of mobile banking usage at an Islamic microfinance institution. Financial data, as well as data on the total number of loan recipients (sahabats) is referred by the study in investigating another aspect of social performance in terms of vicegerency and accountability of the IMFI. Extensive application of vicegerency concept in explaining the findings is parallel to Shari'ah Foundation for Accountants in outlining characteristics of Muslim accountants in preventing them from doing prohibited actions.
2
Urmetzer, Florian, et Isabelle Walinski. « User Acceptance and Mobile Payment Security ». International Journal of E-Services and Mobile Applications 6, no 2 (avril 2014) : 37–66. http://dx.doi.org/10.4018/ijesma.2014040104.
Texte intégralRésumé :
There have been multiple studies detailing mobile payment and its market potential. There is a gap in the literature when it comes to the study of acceptance factors focusing on security and trust. The researchers asked which qualities of security have an influence on the acceptance of a mobile payment service provider. Therefore this study will focus on distinguishing security in two dimensions: objective and subjective security. Objective security represents the user's perception of existing technical safety mechanisms. Subjective security is intangible, based on the user's feelings and perception towards security (trust). The Technology Acceptance Model (TAM) was the theoretical model used in the study. About three hundred responses were collected using an online questionnaire. The study showed that despite the financial crisis banks are still the preferred providers for mobile payment services, where over 80% of the respondents would like to receive the service from a bank. In contrast, only 20% would like to receive such a service from a mobile phone producer. Additionally objective security does not substantially increase subjective security; hence the user trusts the provider rather than the technology itself.
3
Heinonen, Kristina. « Multiple perspectives on customer relationships ». International Journal of Bank Marketing 32, no 6 (26 août 2014) : 450–56. http://dx.doi.org/10.1108/ijbm-06-2014-0086.
Texte intégralRésumé :
Purpose – The purpose of this paper is to describe and conceptualize customer relationships in the financial service sector, focussing on three aspects of customer-bank relationships: the financial service provider perspective, the customer-provider dyad, and the customer context. Design/methodology/approach – Through a short review of the eight papers included in this special issue, this paper illustrates different aspects of customer relationships. It explores customer value formation in the context of banking services, the dynamics and strength of customer relationships, and strategies for financial service provision and consumer trust. Findings – Customer relationships in the financial service sector are increasingly dynamic and unpredictable. This may be due to both activities within the control of financial service providers, such as strategies for service provision, but is more often attributable to factors beyond the control of providers. What empowered customers are doing in their own settings influences their attitudes toward and evaluations of financial services. Research limitations/implications – The paper is conceptual. It challenges the firm-centric approach to customer relationships and compares different perspectives of customer relationships. The significance of the customer-centric perspective is emphasized. Practical implications – Awareness of uncontrollable and idiosyncratic aspects of customer relationships will offer financial service providers new opportunities for being present in the customers’ lives and business. Originality/value – This paper illustrates the importance of extending the focus from what financial service providers are doing to what customers are doing within their own domains. Financial service providers need to understand more about their customers than their perceptions of service quality, satisfaction, and loyalty in different distribution channels, such as internet and mobile banking. The focus should be instead on how customers integrate their financial activities and experiences in their own life or business.
4
Vyšedvorskytė, Miglė, et Neringa Vilkaitė-Vaitonė. « FACTORS AFFECTING CUSTOMER LOYALTY FOR MOBILE SERVICE PROVIDERS ». Mokslas - Lietuvos ateitis 12 (26 juin 2020) : 1–10. http://dx.doi.org/10.3846/mla.2020.12448.
Texte intégralRésumé :
Intense competition in the mobile services market encourages these service providers to take measures to create, maintain and enhance consumer loyalty. In such a concentrated market, it becomes important for service providers to identify and enhance the factors determining customer loyalty and their expression, whereas maintaining existing users requires significantly less effort and financial, human and time resources than attracting new ones. This article deals with a case study of Lithuania’s mobile operators: UAB “Bitė Lietuva”, UAB “Tele2”, UAB “Telia” in the context of consumer loyalty. The paper raises the question of what factors influence mobile phone user loyalty and how these factors can be evaluated. The article presents theoretical analysis of factors determining consumer loyalty in the service sector. An expert evaluation and multi-criteria study reveals which loyalty factors have the strongest influence on customers of mobile operators when choosing a particular service provider in Lithuania. The relevance of this article has potential for a practical study of consumer loyalty factors in the future. In the future, the research may be continued on a larger scale, involving more companies in the telecommunications sector, choosing research methods that are suitable for a broader sample of research and formulating consumer loyalty enhancement solutions applicable exclusively to organizations in the industry.
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Dairo, Adeolu, et Krisztián Szűcs. « Analytical approach to digital channel performance optimization of mobile money transactions in emerging markets ». Innovative Marketing 16, no 3 (16 juillet 2020) : 37–47. http://dx.doi.org/10.21511/im.16(3).2020.04.
Texte intégralRésumé :
Understanding marketing channel performance is a crucial and complex task for the mobile financial technology segment of the mobile industry in emerging markets. However, poor techniques and capabilities for channel optimization of the mobile money users across available channels by the service providers often undermine the performance of these channels. The research aims to develop a target selection and campaign optimization framework for mobile money customers along two channels of transactions. It is complemented by mapping the appropriate campaign techniques across digital and non-digital channels of mobile money transactions. The key analytical method is the combination of fuzzy c-means clustering and RFM algorithm for the target selection development through the usage logs of customers (n = 300) of a mobile service provider. The results indicated that fuzzy c-means clustering and RFM algorithm are efficient for target selection. Also, the mapping of clusters with the appropriate channel of transactions revealed that mobile money users’ transactions could be optimized along the digital channel. The analytic model’s output enables appropriate cross-selling and up-selling campaigns that optimize the service provider revenue from existing and new mobile money users within the customer base. The channel evaluation revealed mobile application channels to be a promising and future channel for mobile money transactions as smartphone penetration continues to grow in emerging mobile markets. That is a positive sign of the digital channel’s future potential for mobile money transactions in developing markets. Acknowledgment The authors wish to thank the University of Pecs under the Higher Education Institution Excellence Program of the Ministry of Innovation and Technology in Hungary within the framework of the 4th Thematic Program – “Enhancing the Role of Domestic Companies in the Re-industrialization of Hungary.”
6
Trifu, Alexandru. « Consumers of a Special Product Service Within a Changing Business and Social Environment ». Journal of Social and Development Sciences 6, no 1 (30 mars 2015) : 1–6. http://dx.doi.org/10.22610/jsds.v6i1.829.
Texte intégralRésumé :
We consider that around the Consumer gravitate all the problems concerning any provider (supplyer) or distributor. The actual economic and financial world crisis shown, once more, that the firms have to conceive and develop theirs products and services according to the needs, the preferences and the budgets of the potential consumers. The domain of mobile telephony is the the specific production and service aspect addressed in this paper. Despite the crisis effects, this domain continued its expansion in Romania and not only. The communication is a necessity and the facilities, the devices and the revolutionary new IT technologies are essential in these days for many people, among them the Romanian consumers. The study case is based on the experience of a Romanian company, Vegastel (partner of the corporate entity "O", which has realised remarkable economic and financial results, just by the special attention to the requirements, preferences and financial potential of the clients (individuals or firms). The importance of the domain and its continuing improvement and reshaping entail for the firms in the field, including Vegastel, to permanent adapt the offer and take into account the consumers’ feedback, such that to gain profits and to remain sustainable on the market.
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Muna, Nalal, Mutia Rahmi Pratiwi et Barkah Alkhaliq. « Loyalty of m-wallet user from a service-dominant logic perspective ». Jurnal Manajemen dan Pemasaran Jasa 13, no 2 (31 octobre 2020) : 245. http://dx.doi.org/10.25105/jmpj.v13i2.6727.
Texte intégralRésumé :
<p>This study aimed<ins cite="mailto:Author" datetime="2020-10-25T10:56"> </ins>to examine the effect of customer perceived value on the loyalty of mobile wallet (m-wallet) users. Payment using mobile wallet offers several benefits for consumer in terms of functional, social, and economic value. Meanwhile, Service-Dominant Logic was<ins cite="mailto:Author" datetime="2020-10-25T10:56"> </ins>used to explain consumer’s experience in utilizing mobile wallet for payment. Furthermore, a quantitativeapproach with<ins cite="mailto:Author" datetime="2020-10-25T10:56"> </ins>questionnaire was used for data collection, and<ins cite="mailto:Author" datetime="2020-10-25T10:58"> </ins>a total of 325 users participated as the respondents. A purposivesampling technique was used to determine the sample criteria i.e. active m-wallet users with a minimum usage<ins cite="mailto:Author" datetime="2020-10-25T10:58"> </ins>of 1 year. The result showed that all the hypotheses are supported. This indicated that customer perceived value consist of functional, economic, and social value, which have positive and significant impact on satisfaction that leads to customer loyalty. Meanwhile, satisfactionis the most salient predictor of customer loyalty. Therefore, financial technology provider needs to pay more attention to customer perceived value, especially in terms of functional, economic and social aspect.</p>
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Amin, Md Ruhul, et Md Nahiduzzaman. « Performance Analysis of Mobile Banking During the COVID-19 Pandemic Period Comparing with the Pre-pandemic Period of Covid-19 : An Empirical Study on Bangladesh ». GATR Accounting and Finance Review 6, no 1 (29 juin 2021) : 54–68. http://dx.doi.org/10.35609/afr.2021.6.1(2).
Texte intégralRésumé :
Objective - Mobile banking is a growing activity to engage the non-banking people in the banking system in Bangladesh, so researchers of this paper try to find out how much it is affected by the Coronavirus (COVID-19). Basically, this study is developed to assess the performance of mobile banking during the COVID-19 pandemic period comparing with the pre-pandemic period. Methodology/Technique - Authors use descriptive statistics to evaluate the performance of mobile bank during the study period from 2014 to August 2020. Findings - This paper finds that during the COVID period the average change of monthly number of active accounts & registered clients have increased, on the other hand the average change of monthly number of agents have decreased at the same time. Except cash in & cash out, all other types of transactions proportion of mobile banking have increased during the COVID-19 period. Novelty - As the mobile banking is a key resource for banking people as well as non-banking people to transact financial things at setting at the house, so this paper will be beneficial for mobile banking service provider organization to assess the whole things of mobile banking at this ongoing period, and they can take necessary action. Type of Paper - Empirical. Keywords: Mobile Banking, COVID-19, Financial Performance, Bangladesh. JEL Classification: G21, G22. URI: http://gatrenterprise.com/GATRJournals/AFR/vol6.1_2.html DOI: https://doi.org/10.35609/afr.2021.6.1(2) Pages 54 – 68
9
Nimbalkar, Atul Arun, et Nachiket Deodhar. « A Study of E-Services of Bank with Special Reference to Private Banks, Ahmednagar ». International Research Journal of Management, IT & ; Social Sciences 2, no 11 (1 novembre 2015) : 22. http://dx.doi.org/10.21744/irjmis.v2i11.78.
Texte intégralRésumé :
E-banking means electronic banking which is popularly known as anywhere banking. Electronic banking also known as EFT (electronic Fund Transfer) means transfer amount online from one account to another account rather by using physical cheque. Information technology has taken important place in the future development of financial service, specially banking sector transaction are affected more than any other financial provider groups. Increased use of mobile services and use of internet as a new distribution channel for banking transactions and international trading requires more attention towards e-banking security against fraudulent activities. The development and the increasing progress that is being experienced in the Information and Communication Technology have brought about a lot of changes in almost all facets of life. In the Banking Industry, it has been in the form of online banking, which is now replacing the traditional banking practice. Although it is proving boon to all sectors especially to all types of customers and financial sector but its growing use without awareness has also attracted many crimes and frauds. Through this paper, it is tried tom discuss about growth of E-banking along with growing challenges of risk & Insecurity. Emphasis is given on awareness to be given to E-banking users and establishment of more security measures to avoid chances of misappropriation of funds and cybercrimes. Online banking has a lot of benefits which add value to customers’ satisfaction in terms of better quality of service offerings and at the same time enable the banks gain more competitive advantage over other competitors. This paper discusses some challenges in an emerging economy and benefits of E-banking.
10
Wan Mohd Isa, Wan Abdul Rahim, Ahmad Iqbal Hakim Suhaimi, Nurulhuda Noordin, Afdallyna Fathiyah Harun, Juhaida Ismail et Rosshidayu Awang Teh. « Factors influencing cloud computing adoption in higher education institution ». Indonesian Journal of Electrical Engineering and Computer Science 17, no 1 (1 janvier 2020) : 412. http://dx.doi.org/10.11591/ijeecs.v17.i1.pp412-419.
Texte intégralRésumé :
<table width="593" border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="387"><p>There are few studies on factors influencing cloud computing adoption in higher education institutions. However, there are lacks of understanding of the cloud computing adoption issues in the university. The main objective of this study is to investigate factors influencing cloud computing adoption in a higher education institution. The research method involved using qualitative interviewing with relevant stakeholders and case study at one public university in Malaysia. The analysis was done by using Atlat.ti. There are eighteen factors that have been coded into three main categories of Technological, Organizational and Environmental. These are among factors to influence the decision of cloud computing adoption for a public university. The first category (Technological) consists of nine factors; (i) relative advantage, (ii) cost reduction, (iii) ease of use, (iv) compatibility, (v) operational requirement, (vi) security, (vii) sustainability, (viii) trialability and (ix) complexity, The second category (organizational) consists of four factors; (i) infrastructure readiness, (ii) top management, (iii) knowledge and IT skillset and (iv) financial. The third category (environmental) consists of five factors; (i) Cloud Service Provider, (ii) Geographical, (iii) Data Privacy, (iv) Guideline and Policy, (v) Service Level Agreement (SLA). The result may provide a reference for the adoption of cloud computing in the area of mobile learning or mobile computing. Future work involves conducting similar studies at other case studies including public and private universities in Malaysia.</p></td></tr></tbody></table>
Thèses sur le sujet "Mobile Financial Service Provider (MFSP)"
1
Perlman, Leon Joseph. « Legal and regulatory aspects of mobile financial services ». Thesis, 2012. http://hdl.handle.net/10500/13362.
Texte intégralRésumé :
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| viPublic, Constitutional and International Law
LLD
Chapitres de livres sur le sujet "Mobile Financial Service Provider (MFSP)"
1
Urmetzer, Florian, et Isabelle Walinski. « User Acceptance and Mobile Payment Security ». Dans Mobile Commerce, 1014–38. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-2599-8.ch047.
Texte intégralRésumé :
There have been multiple studies detailing mobile payment and its market potential. There is a gap in the literature when it comes to the study of acceptance factors focusing on security and trust. The researchers asked which qualities of security have an influence on the acceptance of a mobile payment service provider. Therefore this study will focus on distinguishing security in two dimensions: objective and subjective security. Objective security represents the user's perception of existing technical safety mechanisms. Subjective security is intangible, based on the user's feelings and perception towards security (trust). The Technology Acceptance Model (TAM) was the theoretical model used in the study. About three hundred responses were collected using an online questionnaire. The study showed that despite the financial crisis banks are still the preferred providers for mobile payment services, where over 80% of the respondents would like to receive the service from a bank. In contrast, only 20% would like to receive such a service from a mobile phone producer. Additionally objective security does not substantially increase subjective security; hence the user trusts the provider rather than the technology itself.
2
Arora, Jyoti Batra. « Regulatory Framework of Mobile Commerce ». Dans Mobile Commerce, 145–60. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-2599-8.ch009.
Texte intégralRésumé :
Mobile commerce has given a new definition to wireless payment methods. It is new emerging technique which requires security at the top priority. Users are not still confident in using this technology. The proper infrastructure and support from government is required to deal with mobile commerce which can be achieved by developing fundamental regulatory framework. Regulatory framework described the technological and legal regulations to ensure the security in transaction in mobile commerce. It helps to deal with security related problem, financial issues and other legal issues that cause a hurdle in making mobile payment. A clearly defined regulatory framework is also required to enhance the customers' confidence and increase acceptance of mobile payment in their daily life. The cooperation and information sharing between telecommunication regulator, mobile service provider, and mobile operator and banking regulator is required to make a successful and efficient working regulatory framework.
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Arora, Jyoti Batra. « Regulatory Framework of Mobile Commerce ». Dans Securing Transactions and Payment Systems for M-Commerce, 176–92. IGI Global, 2016. http://dx.doi.org/10.4018/978-1-5225-0236-4.ch009.
Texte intégralRésumé :
Mobile commerce has given a new definition to wireless payment methods. It is new emerging technique which requires security at the top priority. Users are not still confident in using this technology. The proper infrastructure and support from government is required to deal with mobile commerce which can be achieved by developing fundamental regulatory framework. Regulatory framework described the technological and legal regulations to ensure the security in transaction in mobile commerce. It helps to deal with security related problem, financial issues and other legal issues that cause a hurdle in making mobile payment. A clearly defined regulatory framework is also required to enhance the customers' confidence and increase acceptance of mobile payment in their daily life. The cooperation and information sharing between telecommunication regulator, mobile service provider, and mobile operator and banking regulator is required to make a successful and efficient working regulatory framework.
4
Lee, Chung-wei, Weidong Kou et Wen-Chen Hu. « Mobile Commerce Security and Payment Methods ». Dans Information Security and Ethics, 1766–73. IGI Global, 2008. http://dx.doi.org/10.4018/978-1-59904-937-3.ch121.
Texte intégralRésumé :
Without secure commercial information exchange and safe electronic financial transactions over mobile networks, neither service providers nor potential customers will trust mobile commerce. Various mobile security procedures and payment methods have been proposed and applied to mobile commerce, and this chapter attempts to provide a comprehensive overview of them. A secure mobile commerce system must have the following properties: (i) confidentiality, (ii) authentication, (iii) integrity, (iv) authorization, (v) availability, and (vi) non-repudiation. This chapter discusses the security issues related to the following three network paradigms: (i) wireless local area networks, (ii) wireless wide area networks, and (iii) WAP. Among the many themes of mobile commerce security, mobile payment methods are probably the most important. A typical mobile payment process includes: (i) registration, (ii) payment submission, (iii) authentication and authorization by a content provider, and (iv) confirmation. This chapter also describes a set of standards for mobile payments.
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Pierre, Samuel. « Mobile Electronic Commerce ». Dans Mobile Computing, 18–26. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch003.
Texte intégralRésumé :
Mobile electronic commerce (or m-commerce) is generally defined as the set of financial transactions that can be carried out over a wireless mobile network (Pierre, 2003; Varshney, 2001; Varshney, Vetter, & Kalakota, 2000). According to this definition, m-commerce constitutes a subset of all electronic commercial transactions (electronic commerce or e-commerce) from business- to-consumer (B2C) or business-to-business (B2B). Thus, short personal messages such as those from short messaging system (SMS) sent between two individuals do not fall within the category of m-commerce, whereas messages from a service provider to a salesperson or a consumer, or vice versa, do fit this very definition. M-commerce appears an emerging manifestation of Internet electronic commerce which meshes together concepts such as the Internet, mobile computing, and wireless telecommunications in order to provide an array of sophisticated services (m-services) to mobile users (Paurobally, Turner, & Jennings, 2003). Before purchasing a product, clients need services such as those used to search for a product and a merchant who offer the lowest price for this product. Consumers also like to participate in auctions and analyze the quality/price ratio of a product for a certain number of suppliers (Jukic, Sharma, Jukic, & Parameswaran, 2002). Online shopping for a given product is becoming increasingly popular, and electronic purchasing and bargaining consist of looking up and deciphering the contents of electronic catalogues prior to making a decision. To automate this process and to ensure that these documents are comprehensible to computers, they must have a standard format. Such services exist in standard commerce; however, in e-commerce, they require further consideration such as those related to the market dynamics, the variety of platforms, and the languages used by various merchant sites (Itani, & Kayssi, 2003; Lenou, Glitho, & Pierre, 2003).
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Pierre, Samuel. « Security Issues Concerning Mobile Commerce ». Dans Mobile Computing, 2653–59. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch201.
Texte intégralRésumé :
Electronic commerce or e-commerce can be briefly defined as a financial transaction or commercial information between two parties based on data transmitted over communication networks (Soriano & Ponce, 2002). It relies upon users’ interventions to initiate a transaction and select the main steps of the process. Users’ actions stem from a succession of virtual decisions. Indeed, when shopping with a virtual catalog, customers can select products which meet their needs, tastes, and respect their price range. Such decisions consistently require the users’ input, thus costing them both time and money. These costs are even more exorbitant when a search is launched for an order that includes a variety of products from different sources which have different characteristics (price range, delivery dates, etc.). When transactions involve users who are moving or take place over mobile networks, this is referred to as mobile electronic commerce, a specific type of e-commerce. Mobile electronic commerce (or m-commerce) refers to an ability to carry out wireless commercial transactions using mobile applications within mobile devices, such as mobile phones and personal digital assistants (PDAs). It is generally defined as the set of transactions or processes which can be carried out over a wireless mobile network. According to this definition, m-commerce constitutes a subset of all electronic commercial transactions (electronic commerce or e-commerce) from business to consumer (B2C) or business to business (B2B). Thus, short personal messages such as those from SMS (short messaging system) sent between two individuals do not fall into the category of m-commerce, whereas messages from a service provider to a salesperson or a consumer, or vice versa, do fit this very definition. M-commerce appears as an emerging manifestation of Internet electronic commerce which meshes together concepts such as the Internet, mobile computing, and wireless telecommunications in order to provide an array of sophisticated services (m-services) to mobile users (Varshney, Vetter, & Kalakota, 2000; Veijalainen, Terziyan, & Tirri, 2003). E-commerce includes an initial step where consumers search for a product they wish to purchase by virtually visiting several merchants. Once the product is found, negotiations can take place between the customer and the merchant (electronic negotiation or e-negotiation) (Paurobally, Turner, & Jennings, 2003). If an agreement is reached, the next step is the payment phase. At each step of the process, some problems arise, such as transaction security, confidence in the payment protocol, bandwidth limitations, quality of service, shipping delays, and so forth (Younas, Chao, & Anane, 2003; Zhang, Yuan, & Archer, 2002). The peak withdrawal periods have always presented a major challenge for certain types of distributed applications. The advent of m-commerce further highlights this problem. Indeed, in spite of rather optimistic predictions, m-commerce is plagued by several handicaps which hinder its commercial development, security being the main one.
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Lee, Maria R. « The Perspectives of Message-Based Service in Taiwan ». Dans Encyclopedia of Multimedia Technology and Networking, Second Edition, 1148–53. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-014-1.ch156.
Texte intégralRésumé :
The number of cellular phone subscribers has reached a total of 5.6 million in Taiwan (NCC, 2007). Meanwhile, Internet users have reached a total of 14.5 million and mobile Internet users have broken the record of 9.1 million in 2006 (NCC, 2007). The combination of information and telecommunication technologies has brought people a new communication method—cellular value-added services, which have become a lucrative business for telecommunication providers in Taiwan. One result of the cellular value-added services presented to the public brought the information-based, messaging-based, and financial services into one kit; people can not only communicate through the cellular phones but also use them as versatile handsets. Do- CoMo, a famous Japanese telecommunication provider, has successfully cultivated the cellular value-added services. Its success can be explained with two reasons: one is content, and Web site providers are willing to share their technical support; and the other reason is the establishment of an automated payment system to assist the cash flow between providers and even beef up the whole industry by associating related business partners (Natsuno, 2001). Comparing with DoCoMo’s case, the telecommunication service providers in Taiwan have provided various cellular value-added services. However, the popularity of the service does not turn out to be as good as expected. We are wondering why. Telecommunication providers began to adjust the fee of short message service (SMS) down to 25% maximally since June 2004 in Taiwan. The idea of lowering fees is to stimulate the popularity of SMS usage. Would that bring a collateral effect to the providers of cellular value-added service positively or negatively? In response, this research will discuss the challenges facing Taiwanese cellular value-added service providers. Hinet, Taiwan Cellular Corporation (TCC), and Flyma online service providers have been chosen as research companies.