A Literature Review: Potential Effects That Health Apps on Mobile Devices May Have on Patient Privacy and Confidentiality

Purpose: This research aims to evaluate the potential threats to patient privacy and confidentiality posed by mHealth applications on mobile devices. Methodology: A comprehensive literature review was conducted, selecting eighty-eight articles published over the past fifteen years. The study assessed data gathering and storage practices, regulatory adherence, legal structures, consent procedures, user education, and strategies to mitigate risks. Results: The findings reveal significant advancements in technologies designed to safeguard privacy and facilitate the widespread use of mHealth apps. However, persistent ethical issues related to privacy remain largely unchanged despite these technological strides.

TAM-based Study on Factors Influencing the Adoption of Mobile Payment

This study uses TAM to examine the factors that influence the adoption of mobile payment in China.The proposed model is empirically evaluated based on TAM by using data collected from 370 users concerning their perceptions of mobile payment.The findings indicate that perceived usefulness and perceived ease of use have significant effects on users'attitude.Furthermore,network externality is also an important factor influencing the adoption.But customers have weak perceptions of the risks of M-payment.The results may provide further insights into mobile payment strategies.

Empirical Test of Determinants of Accepting Mobile Payment

From a global perspective, the develop ment of 3G services in China is quite different from other countries. The factors that influence users＇ adoption of mobile payment are worth ex ploring. This study employs the Technology Ac ceptance Model （TAM） to examine determinant factors affecting consumers＇ acceptance intentions of mobile payment. We adopt Hofstede＇s cultural dimensions as moderators to extend the TAM model for exploring the impact of uncertainty a voidance on mobile payment acceptance.

Mobile Payment Enters into Scenario Era

Mobile payment is entering into an era of offline scenarios.According to the quarterly monitoring report about China’s Q2 third-party mobile payment released by Enfodesk on September 15,China’s thirdparty mobile payment market scale reached RMB 3.5 trillion in Q2,up 22.81% month-on-month.The market generally keeps a stable structure—Alipay dominating the first position with an overwhelmingly market share of 74.31%,Mowed by Tenpay(WeChat pay and QQpurse)with a market share of 13.18% and Lakala with a market share of 6.3%.

An Anonymous Payment Protocol withMobile Agents in Hostile Environments

By using Pedersen's verifiable secret sharing scheme and the theory of crossvalidation, we propose an a-nonymous payment protocol which have following features: protecting theconfidentiality of sensitive payment information from spying by malicioushosts; using a trustedthird party in a minimal way; verifying the validity of the share by the merchant; allowing agent toverify that the product which it is a-bout to receive is the one it is paying for; keeping thecustomer anonymous.

A Structural Topic Model for Exploring User Satisfaction with Mobile Payments

This study explored user satisfaction with mobile payments by applying a novel structural topic model.Specifically,we collected 17,927 online reviews of a specific mobile payment(i.e.,PayPal).Then,we employed a structural topic model to investigate the relationship between the attributes extracted from online reviews and user satisfaction with mobile payment.Consequently,we discovered that“lack of reliability”and“poor customer service”tend to appear in negative reviews.Whereas,the terms“convenience,”“user-friendly interface,”“simple process,”and“secure system”tend to appear in positive reviews.On the basis of information system success theory,we categorized the topics“convenience,”“user-friendly interface,”and“simple process,”as system quality.In addition,“poor customer service”was categorized as service quality.Furthermore,based on the previous studies of trust and security,“lack of reliability”and“secure system”were categorized as trust and security,respectively.These outcomes indicate that users are satisfied when they perceive that system quality and security of specific mobile payments are great.On the contrary,users are dissatisfied when they feel that service quality and reliability of specific mobile payments is lacking.Overall,our research implies that a novel structural topic model is an effective method to explore mobile payment user experience.

A Study of Factors Affecting the Intention to Use Mobile Payment Services in Vietnam

The goal of this paper is to spot out factors affecting the intention to use mobile payment service plan in Vietnam. This study attempts to analyze the impact of various variables extracted from mobility, convenience, compatibility, M-payment knowledge, ease to use, usefulness, risk,, trust, and safe to use on intention to use mobile payment. Quantitative questionnaire is used to measure responses of participants. The statistical analysis method employed in this study is to apply Structural Equation Modeling to test all hypotheses. The results indicate that the strong predictors of the intention to use M-payment are perceived ease of use and perceived usefulness. All respondents show that they do not care about risk when they have intention to use mobile payment services. Convenience of mobility, compatibility, and mobile payment knowledge have impacts on ease to use and usefulness. Among of them, compatibility has the most significant impact o11 ease to use and usefulness in the opinion of those surveyed. Specially, it proved that trust of safe to use has no significant impact on usefulness, but instead has direct impact on intension to use mobile payment services. The outcomes of this research have important connotations for the improvement and development of mobile payment services in Vietnam. Therefore, at the end of this paper, some suggestions based on research results are given for the future development of mobile payment service business in Vietnam.

Application of Unified Payment Platform in Mobile Medical Services

Mobile medical service has become an indispensable method for the hospitals to improve service quality, while mobile payment has provided an effective solution for solving the problems of long queuing, long examination time, long waiting before being hospitalized and short time of diagnosis and treatment of the traditional outpatient services. With the increasing diversification of payment methods, it is necessary for the hospitals to establish a unified payment platform in order to support different business scenarios according to needs and standardize the interfaces of various developers and manufacturers. In addition, it will help the Financial Department timely identify the problems in the tons of transaction data and better serve the goals of the hospitals to streamline the procedures of medical services and achieve concentrated information management.

Study on the Factors Driving the Loyalty of the Customers of a Third Party Mobile Payment Platform

. In this paper, the main driving factors affecting the customer loyalty of a third party mobile payment service were chosen by combining with the actual situation of the third party mobile payment service and customer spending habits in China. The assumed relations between all affecting factors and the customer loyalty of a third party mobile payment platform were proposed, and a model for studying customer loyalty was established and also a conclusion was made through the questionnaire survey analysis data. Finally, suggestions on improving the loyalty of the customers of a third party mobile payment platform are presented.

Touch-and-Go Mobile Payment System

Contactless mobile payment devices are fast, convenient and user friendly means for executing small value business transactions. This kind of transactions is preferred to be executed conveniently and on the fly by just tapping a mobile payment device to a mobile terminal. Mobility, convenience and fast transaction execution are very important payment system properties in potentially crowded places such as in public transportation. These properties are in practice causing transaction execution problems, such as: delays in offline transaction execution, transaction atomicity failures caused by mobile data communication drops, lack of central control on mobile transaction system components and increased vulnerability risk caused by easy physical access to the mobile transaction system components. This paper describes a holistic transaction processing model for resolving mentioned problems in micropayment mobile touch-and-go transaction systems. Defined processing model was implemented on real public transportation mobile payment system where it was proven as a robust solution for execution of small value touch-and-go mobile ticketing transactions.

China Mobile Payment Development Situation and Prospects Analysis

With the continuous development of the Internet,e-commerce and popularization of financial payment means,traditional constraints have become unfavorable factors in our country's economic development.Meanwhile,the rapid development of mobile communications provides solid basis for the development of mobile payment business.In this case,the mobile payment industry naturally will become an industry to deal with all walks of life and promote the development of logistics,manufacturing,service industries,public information and all kinds of innovative mobile technology.Then a branch of financial payment will naturally be formed.As mobile technology continuously improves cost savings and the efficiency of payment,the development of the mobile payment industry began to be analyzed.In this thesis,for study Chinese mobile payment,a detailed analysis of the development status will be investigated,the problems of development of China's mobile payment will be revealed and the strategic development of the final payment will be put forward.They all have profound significance.

Operational risk assessment of third-party payment platforms:a case study of China

Operational risk events have severely impacted the development of third-party payment(TPP)platforms,and have even led to a discussion on the operational risk capital charge settlement by relevant international regulators.However,prior studies have mostly focused on qualitative mechanism analysis,and have rarely examined quantitative risk assessment based on actual operational risk events.Therefore,this study attempts to assess the operational risk on TPP platforms in China by constructing a systematic framework incorporating database construction and risk modeling.First,the operational risk database that covers 202 events between Q1,2014,and Q2,2020 is constructed.Then,specific causes are clarified,and the characteristics are analyzed from both the trend and loss severity perspectives.Finally,the piecewise-defined severity distribution based-Loss Distribution Approach(PSD-LDA)with double truncation is utilized to assess the operational risk.Two main conclusions are drawn from the empirical analysis.First,legal risk and external fraud risk are the two main causes of operational risk.Second,the yearly Value at Risk and Expected Shortfall are 724.46 million yuan and 1081.98 million yuan under the 99.9%significance level,respectively.Our results are beneficial for both TPP platform operators and regulators in managing and controlling operational risk.

Key Points of Supervision of Third-Party Payment Business:A Comparative Analysis of China's Mainland and Macao

China's Mainland has witnessed remarkable achievements in payment innovations based on internet and financial technologies in recent years,whereas Macao has made little progress in financial technologies,especially in payment technologies.Based on the concept and types of third-party payment business in China's Mainland and Macao,as well as to investigate the causes for Macao’s lack of innovation in third-party payment,this study compares their differences from two aspects:business licensing authorities and key points of supervision.By comparison,although the classification and methods of third-party payment businesses are different between China's Mainland and Macao,they are all managed and licensed by a unified supervision department.Moreover,the key points of supervision in both places are similar,but unlike China's Mainland,which takes financial risk prevention as the principle and financial technology as the means to encourage innovation,Macao showed obvious deficiencies.In order to further deepen the connection between the financial markets of China's Mainland and Macao as well as boost financial technologies in Macao,this study aims to provide some suggestions and references for the development of cross-border payment systems.

Financial literacy,behavioral traits,and ePayment adoption and usage in Japan

This study investigates how financial literacy and behavioral traits affect the adoption of electronic payment(ePayment)services in Japan.We construct a financial literacy index using a representative sample of 25,000 individuals from the Bank of Japan’s 2019 Financial Literacy Survey.We then analyze the relationship between this index and the extensive and intensive usage of two types of payment services:electronic money(e-money)and mobile payment apps.Using an instrumental variable approach,we find that higher financial literacy is positively associated with a higher likelihood of adopting ePayment services.The empirical results suggest that individuals with higher financial literacy use payment services more frequently.We also find that risk-averse people are less likely to adopt and use ePayment services,whereas people with herd behavior tend to adopt and use ePayment services more.Our empirical results also suggest that the effects of financial literacy on the adoption and use of ePayment differ among people with different behavioral traits.

指尖上的旅行:移动支付能否促进家庭旅游消费?

基于2017年和2019年中国家庭金融调查数据,使用固定效应模型、工具变量估计、Tobit模型和差分模型,研究了移动支付对家庭旅游消费的影响。结果表明:移动支付能够显著提高家庭出游概率、促进家庭旅游消费,且对高收入、高人力资本、城镇和老年家庭影响更大。机制检验发现,移动支付通过提升居民信任水平、提高支付便利性促进家庭旅游消费。鉴于此,应深入发展智慧旅游,驱动旅游消费智慧化、数字化升级。

金融科技:研究现状与展望

本研究认为金融科技是指借助移动互联、区块链、人工智能、大数据等科技创新方式,通过数字化、智能化、安全化等手段把金融服务与应用场景紧密互联,实现金融服务提供者流动性、营利性、安全性等目标,满足金融服务需求者支付、融资、投资和交易等功能需求,并且促进金融服务向便利、便宜、普惠、安全等方向发展的综合金融活动总称.本研究从分析移动互联、大数据、人工智能、区块链等新兴技术及其所推动的金融创新入手,以金融服务三大业务流程为切入点,从支付与结算、信贷与融资、资产管理服务三个方面进行文献梳理.此外,从监管理念变革、监管内容扩展、监管机制重构、监管技术创新四个方面对金融监管进行思考.最后对未来相关研究提出一些展望.

数字支付能显著降低农户消费不平等吗?

居民消费对实现共同富裕以及推动经济长期稳定发展具有重要意义。以往研究主要关注城乡居民消费差距,较少关注农户内部消费不平等问题。鉴于此,基于2017、2019年中国家庭金融调查数据,采用由农户人均消费支出测算的Kakwani指数构建消费不平等测度指标,使用双向固定效应模型和工具变量法实证分析数字支付对农户消费不平等的影响。研究结果表明,数字支付能够显著降低农户消费不平等;机制分析表明,数字支付通过缓解流动性约束和提高消费可及性,进而降低农户消费不平等;异质性分析表明,数字支付对户主年龄更高、受教育水平更低农户消费不平等的缓解作用更大,对发展型消费不平等的缓解作用大于生存型消费。基于此,本文认为应加大对农村数字支付发展的支持力度,推动农村数字普惠金融发展,提升农村居民数字素养,支持农村发展型消费品产业发展。

安全高效的移动支付系统设计

随着移动互联网的快速发展,移动支付成了不可或缺的一部分。与此同时,安全挑战和威胁也日益凸显。本文设计了一种结合对称加密、非对称加密优点及hash算法特点的加密机制,通过对不可否认性及完整性保障、用户登录管理模块、加盐hash增强密码安全性、认证功能模块以及支付功能模块进行设计,实现了移动支付系统的安全高效性。

基于TEE和SE的移动平台双离线匿名支付方案

近年来,中央银行数字货币(CBDC)受到全球多个国家和地区的高度关注.双离线交易作为CBDC的可选属性,在无网络连接的情况下进行支付,被认为具有较大的实用价值.面向CBDC的双离线匿名支付场景,基于可信执行环境(TEE)和安全单元(SE)技术,提出了一种专为移动平台设计的高效双离线匿名支付方案(dual offline anonymous E-payment for mobile devices,OAPM).OAPM适用于资源受限的移动设备,允许移动付款者在不联网状态下安全地向收款者支付数字货币,且不向收款者及商业银行泄露个人隐私信息,付款者的支付行为也不会被链接,同时允许收款者设备处于离线状态,监管机构(如中央银行)在必要情况下能够识别匿名付款者的真实身份.该方案满足数字货币交易的多项重要属性,包括正确性、不可链接性、可追踪性、不可陷害性、机密性、真实性、防双花性以及可控匿名性等.实现了原型系统,并对可能的参数进行了评估.安全性分析和实验结果表明,该方案从安全性和效率两方面均能满足移动用户CBDC双离线交易的实际需求.