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Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…
Cash payment is still king in several markets, accounting for more than 90\ of the payments in almost all the developing countries. The usage of mobile phones is pretty ordinary in this present era. Mobile phones have become an inseparable…
Computing technology has gotten cheaper and more powerful, allowing users to have a growing number of personal computing devices at their disposal. While this trend is beneficial for the user, it also creates a growing management burden for…
The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
Mobile crowdsensing (MCS) is a new paradigm of sensing by taking advantage of the rich embedded sensors of mobile user devices. However, the traditional server-client MCS architecture often suffers from the high operational cost on the…
Cashless payment systems offer many benefits over cash, but also have some drawbacks. Fake terminals, skimming, wireless connectivity, and relay attacks are persistent problems. Attempts to overcome one problem often lead to another - for…
Widely used payment splitting apps allow members of a group to keep track of debts between members by sending charges for expenses paid by one member on behalf of others. While offering a great deal of convenience, these apps gain access to…
Passwords provide security mechanism for authentication and protection services against unwanted access to resources. A graphical based password is one promising alternatives of textual passwords. According to human psychology, humans are…
The wide adoption of wearable smart devices with onboard cameras greatly increases people's concern on privacy infringement. Here we explore the possibility of easing persons from photos captured by smart devices according to their privacy…
E-commerce in today's conditions has the highest dependence on network infrastructure of banking. However, when the possibility of communicating with the Banking network is not provided, business activities will suffer. This paper proposes…
Payment platforms have significantly evolved in recent years to keep pace with the proliferation of online and cashless payments. These platforms are increasingly aligned with online social networks, allowing users to interact with each…
Due to the ubiquity of smartphones, it is popular to take photos of one's self, or "selfies." Such photos are convenient to take, because they do not require specialized equipment or a third-party photographer. However, in selfies,…
With 3.78 billion social media users worldwide in 2021 (48% of the human population), almost 3 billion images are shared daily. At the same time, a consistent evolution of smartphone cameras has led to a photography explosion with 85% of…
Camera-based contactless photoplethysmography refers to a set of popular techniques for contactless physiological measurement. The current state-of-the-art neural models are typically trained in a supervised manner using videos accompanied…
Participatory sensing is emerging as an innovative computing paradigm that targets the ubiquity of always-connected mobile phones and their sensing capabilities. In this context, a multitude of pioneering applications increasingly carry out…
Pose-Guided Person Image Synthesis (PGPIS) generates realistic person images conditioned on a target pose and a source image. This task plays a key role in various real-world applications, such as sign language video generation, AR/VR,…
Authors of scientific articles use coins in photographs as a size reference for objects. For this purpose, coins are placed next to objects when taking the photo. In this letter we propose a novel method that uses artificial intelligence…
Access to financial institutions is difficult in developing economies and especially for the poor. However, the widespread adoption of mobile phones has enabled the development of mobile money systems that deliver financial services through…
Selfies have become increasingly fashionable in the social media era. People are willing to share their selfies in various social media platforms such as Facebook, Instagram and Flicker. The popularity of selfie have caught researchers'…
Standard economic theory, starting with Adam Smith's invisible hand, holds that those who trade for their own selfish motives of maximizing their private preferences may contribute more to the public wealth than those who claim altruistic…