Technological developments are changing how users pay for goods and services.In the context of the COVID-19(coronavirus disease 2019)pandemic,new payment systems have been established to reduce contact between buyer a...Technological developments are changing how users pay for goods and services.In the context of the COVID-19(coronavirus disease 2019)pandemic,new payment systems have been established to reduce contact between buyer and seller.In addition to the pandemic,the future is payment processing is also uncertain due to the new EU security regulations of the Payment Services Directive(PSD2).Biometric payments one option that would guarantee the security of transactions and reduce the risk of conta-gion.This research analyses the intention to recommend the use of the mobile phone as a tool for collecting payments in a shop using iris reading as a biometric measure of the buyer.The moderating effect of the fear of contagion in the proposed relationships was also analysed.An online survey was carried out,which yielded a sample of 368 respondents.The results indicate that the main antecedents of intention to use,which precedes intention to recommend,are perceived trust,habit,personal innovativeness and comfort of use.Additionally,the moderating effect of COVID-19 was checked among users with a higher perception of risk.The results obtained have interesting implications for purchase management among manufacturers and retailers.展开更多
Identity management has been ripe for disruption over the past few years due to recurring incidents of data breaches that have led to personal information leaks and identity theft.The rise of blockchain technology has...Identity management has been ripe for disruption over the past few years due to recurring incidents of data breaches that have led to personal information leaks and identity theft.The rise of blockchain technology has paved the way for the development of self-sovereign identity(SSI)—a new class of user-controlled resilient identity management systems that are enabled by distributed ledger technology.This paper examines how SSI management can be used in a public transportation sector that spans different operators in multiple countries.Specifically,the paper explores how a blockchain-based decentralized identity management system can draw on the SSI framework to provide high-level security and transparency for all involved parties in public transportation ecosystems.Accordingly,building on analyses of the existing public transportation ticketing solutions,we elicited requirements of a comparable system based on the SSI principles.Next,we developed a low-fidelity prototype to showcase how passengers can utilize standardized travel credentials that are valid across different transportation networks in Europe.The proposed system eliminates the need for multiple travel cards(i.e.,one for each transportation provider)and empowers individuals to have better control over the use of their identities while they utilize interoperable ticketing systems across Europe.Overall,building on the public transportation case,we offer a proof-of-concept that shows how individuals can better manage their identity credentials via the SSI framework.展开更多
基金support provided by the Spanish Ministry of Science,Innovation and Universities,National R&D&I Plan and FEDER(B-SEJ-209-UGR18).
文摘Technological developments are changing how users pay for goods and services.In the context of the COVID-19(coronavirus disease 2019)pandemic,new payment systems have been established to reduce contact between buyer and seller.In addition to the pandemic,the future is payment processing is also uncertain due to the new EU security regulations of the Payment Services Directive(PSD2).Biometric payments one option that would guarantee the security of transactions and reduce the risk of conta-gion.This research analyses the intention to recommend the use of the mobile phone as a tool for collecting payments in a shop using iris reading as a biometric measure of the buyer.The moderating effect of the fear of contagion in the proposed relationships was also analysed.An online survey was carried out,which yielded a sample of 368 respondents.The results indicate that the main antecedents of intention to use,which precedes intention to recommend,are perceived trust,habit,personal innovativeness and comfort of use.Additionally,the moderating effect of COVID-19 was checked among users with a higher perception of risk.The results obtained have interesting implications for purchase management among manufacturers and retailers.
文摘Identity management has been ripe for disruption over the past few years due to recurring incidents of data breaches that have led to personal information leaks and identity theft.The rise of blockchain technology has paved the way for the development of self-sovereign identity(SSI)—a new class of user-controlled resilient identity management systems that are enabled by distributed ledger technology.This paper examines how SSI management can be used in a public transportation sector that spans different operators in multiple countries.Specifically,the paper explores how a blockchain-based decentralized identity management system can draw on the SSI framework to provide high-level security and transparency for all involved parties in public transportation ecosystems.Accordingly,building on analyses of the existing public transportation ticketing solutions,we elicited requirements of a comparable system based on the SSI principles.Next,we developed a low-fidelity prototype to showcase how passengers can utilize standardized travel credentials that are valid across different transportation networks in Europe.The proposed system eliminates the need for multiple travel cards(i.e.,one for each transportation provider)and empowers individuals to have better control over the use of their identities while they utilize interoperable ticketing systems across Europe.Overall,building on the public transportation case,we offer a proof-of-concept that shows how individuals can better manage their identity credentials via the SSI framework.
