Purpose: This research aims to study the impact of changes in transaction styles in the 4.0 era with more depth, how consumers from various level start to use technology in ease of everyday life and consumer choices in the use of applications and their willingness to pay for the transaction fee, whether from bank institutions or digital start-up co...
The European Union is on course for introducing a European Digital Identity that will be available to all EU citizens and businesses. This will have a huge impact on how citizens and businesses interact online. Big Tech companies currently dictate how digital identities are used. As a result they have amassed huge amounts of private user data. Move...
Today’s systems for digital identity management exhibit critical security, efficiency, and privacy issues. A new paradigm, called Self-Sovereign Identity (SSI), addresses these shortcomings by equipping users with mobile wallets and empowering them to manage their digital identities. Various companies and governments back this paradigm and promote ...
Book subtitle: Intelligent Technologies, Governments and Citizens / status: published
Background: Emerging in December 2019, the COVID-19 pandemic profoundly changed consumer behaviour leading to social distancing and mitigating physical contact. Statistics show an increased use of contactless and mobile payment usage and adoption during the pandemic. It is unclear how valid previous models on mobile payment adoption explain adoptio...
This article presents the WOLF (Wallet Open Library Framework) platform which supports an original interface for NFC developers called " SE-QL ". SE-QL is a SQL-like interface which eases and optimizes NFC secure application development in making the heterogeneity of the Secure Element (SE) transparent. SE implementation could be " embedded " (eSE)...
Den här uppsatsen handlar om vad som påverkar konsumenten till att vilja använda en digital plånbok. Den digitala plånboken är femte generationens betalningsmedel och har nu kommit för att digitalisera flera av de funktioner som den fysiska plånboken erbjuder. En transaktion med den digitala plånboken sker genom konsumentens Smartphone. Förutsatt a...
