Related papers: Examining Cashless Payment Services in a Post-Pand…

Our planet and our species are at an existential crossroads. In the long term, climate change threatens to upend life as we know it, while the ongoing COVID-19 pandemic revealed that the world is unprepared and ill-equipped to handle acute…

This study aims to evaluate the adoption of Bank Indonesia's QRIS (Quick Response code Indonesian Standard) payment system policy. The evaluation is hindered by the contemporaneous emergence of the COVID-19 pandemic, which acts as a…

Mobile payment system in a disaster area have the potential to provide electronic transactions for people purchasing recovery goods like foodstuffs, clothes, and medicine. Conversely, to enable transactions in a disaster area, current…

Since early 2020 the COVID-19 pandemic has had a considerable impact on many aspects of daily life. A range of different measures have been implemented worldwide to reduce the rate of new infections and to manage the pressure on national…

The COVID-19 pandemic has caused unprecedented disruption, particularly in retail. Where essential demand cannot be fulfilled online, or where more stringent measures have been relaxed, customers must visit shop premises in person. This…

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…

State governments in the U.S. have been facing difficult decisions involving tradeoffs between economic and health-related outcomes during the COVID-19 pandemic. Despite evidence of the effectiveness of government-mandated restrictions…

In 2020, the COVID-19 pandemic resulted in a rapid response from governments and researchers worldwide. As of late 2023, over millions have died as a result of COVID-19, with many COVID-19 survivors going on to experience long-term effects…

The year 2020 is experiencing a global health and economic crisis due to the COVID-19 pandemic. Countries across the world are using digital technologies to fight this global crisis. These digital technologies, in one way or another,…

We present a scalable architecture for electronic retail payments via central bank digital currency and offer a solution to the perceived conflict between robust regulatory oversight and consumer affordances such as privacy and control. Our…

Beyond the well-known giants like Uber Eats and DoorDash, there are hundreds of independent food delivery platforms in the United States. However, little is known about the sociotechnical landscape of these ``indie'' platforms. In this…

In recent years, there has been a surge in the adoption of serverless computing due to the ease of deployment, attractive pay-per-use pricing, and transparent horizontal auto-scaling. At the same time, infrastructure advancements such as…

In the early stages of the COVID-19 pandemic, many events and conferences hastily converted to a virtual format, and many commercial ventures promptly developed tools promising seamless transitions to virtual spaces. In particular, efforts…

With the rapid growth of Information and Communication Technology, Electronic commerce is now acting as a new means of carrying out business transactions through electronic means such as Internet environment. To avoid the complexities…

This study focuses on an important transport-related long-term effect of the COVID-19 pandemic in the United States: an increase in telecommuting. Analyzing a nationally representative panel survey of adults, we find that 40-50% of workers…

The use of digital money has become increasingly popular, but it comes with certain drawbacks. For instance, it can be challenging to make payments during power outages or internet failures. Additionally, some groups may find it difficult…

The COVID-19 pandemic has prompted countries around the world to introduce smartphone apps to support disease control efforts. Their purposes range from digital contact tracing to quarantine enforcement to vaccination passports, and their…

As the COVID-19 pandemic unfolded, the mobility patterns of people worldwide changed drastically. While travel time, costs, and trip convenience have always influenced mobility, the risk of infection and policy actions such as lockdowns and…

EMV is the global standard for smart card payments and its NFC-based version, EMV contactless, is widely used, also for mobile payments. In this systematization of knowledge, we examine attacks on the EMV contactless protocol. We provide a…

The COVID-19 Pandemic has left a devastating trail all over the world, in terms of loss of lives, economic decline, travel restrictions, trade deficit, and collapsing economy including real-estate, job loss, loss of health benefits, the…