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Persuasive designs become prevalent on smartphones, and an increasing number of users report having problematic smartphone use behaviours. Persuasive designs in smartphones might be accountable for the development and reinforcement of such…
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…
Mobile messaging services have gained a large share in global telecommunications. Unlike conventional services like phone calls, text messages or email, they do not feature a standardized environment enabling a federated and potentially…
Unified Payments Interface (UPI) is a groundbreaking innovation making waves in digital payment systems in India. It has revolutionised financial transactions by offering enhanced convenience and security. While previous research has…
Wallet may be described as container application used for configuring, accessing and analysing data from underlying payment application(s). There are two dominant types of digital wallet applications, proximity wallet and remote wallet. In…
The data revolution in low- and middle-income countries is quickly transforming how companies approach emerging markets. As mobile phones and mobile money proliferate, they generate new streams of data that enable innovation in consumer…
Understanding the financial burden of chronic diseases in developing regions still remains an important economical factor which influences the successful implementation of sensor based applications for continuous monitoring of chronic…
Do today's communication technologies hold potential to alleviate poverty? The mobile phone's accessibility and use allows us with an unprecedented volume of data on social interactions, mobility and more. Can this data help us better…
Today, 95% of the global population has 2G mobile phone coverage and the number of individuals who own a mobile phone is at an all time high. Mobile phones generate rich data on billions of people across different societal contexts and have…
As artificial intelligence and robotics increasingly reshape the global labor market, understanding public perceptions of these technologies becomes critical. We examine how these perceptions have evolved across Latin America, using survey…
Large Language Models (LLMs) are reshaping consumer decision-making, particularly in communication with firms, yet our understanding of their impact remains limited. This research explores the effect of LLMs on consumer complaints submitted…
Smartphones are now ubiquitous, yet our understanding of user interface factors that maximize mobile user experience (UX), is still limited. This work presents a controlled experiment, which investigated factors that affect the usability…
The mobile device is one of the fasted growing technologies that is widely used in a diversifying sector. Mobile devices are used for everyday life, such as personal information exchange - chatting, email, shopping, and mobile banking,…
Mobile phones have developed into complex platforms with large numbers of installed applications and a wide range of sensitive data. Application security policies limit the permissions of each installed application. As applications may…
While smart mobile health apps that adapt to users' progressive individual needs are proliferating, many of them struggle to fulfill their promises due to an inferior user experience. Understanding the concerns of real-world users related…
Payment transactions initiated through a mobile device are growing and security concerns must be ad-dressed. People coming from payment card industry often talk passionately about porting ISO 9564 PIN standard based authentication in…
The goal of this paper is to analyze the behavior and intent of recent types of privacy invasive Android adware. There are two recent trends in this area: more financial motives instead of ego motives, and the development of more dynamic…
Reliable statistical information is important to make political decisions on a sound basis and to help measure the impact of policies. Unfortunately, statistics offices in developing countries have scarce resources and statistical censuses…
We present our approach to automatically designing and implementing keyboard layouts on mobile devices for typing low-resource languages written in the Latin script. For many speakers, one of the barriers in accessing and creating text…
. This paper explores consumer behavior towards food delivery apps, focusing on attributes like restaurant variety, food packaging quality, and application design and user interface. The study reveals that a diverse range of restaurants…