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In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…
This comprehensive survey deliberated over the security of electronic payment systems. In our research, we focused on either dominant systems or new attempts and innovations to improve the level of security of the electronic payment…
E-Commerce offers the banking industry great opportunity, but also creates a set of new risks and vulnerability such as security threats. Information security, therefore, is an essential management and technical requirement for any…
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…
In today's world of E-Commerce everything comes online like Music, E-Books, Shopping all most everything is online. If you are using some service or buying things online then you have to pay for that. For that you have to do Net Banking or…
Recent years have witnessed a rapid development of platform economy, as it effectively addresses the trust dilemma between untrusted online buyers and merchants. However, malicious platforms can misuse users' funds and information, causing…
Many reports regarding online fraud in varieties media create skepticism for conducting transactions online, especially through an open network such as the Internet, which offers no security whatsoever. Therefore, encryption technology is…
The use of the Internet has become an urgent necessity in various fields and activities. One of such important fields could be electronic business (E-Business). E-business includes all operations and activities related to Internet commerce,…
Decentralized, offline, and privacy-preserving e-cash could fulfil the need for both scalable and byzantine fault-resistant payment systems. Existing offline anonymous e-cash schemes are unsuitable for distributed environments due to a…
Electronic payment protocols play a vital role in electronic commerce security, which is essential for secure operation of electronic commerce activities. Formal method is an effective way to verify the security of protocols. But current…
Blockchain technology has spawned a vast ecosystem of digital currencies with Central Bank Digital Currencies (CBDCs) -- digital forms of fiat currency -- being one of them. An important feature of digital currencies is facilitating…
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…
The successful amalgamation of cryptocurrency and consumer Internet of Things (IoT) devices can pave the way for novel applications in machine-to-machine economy. However, the lack of scalability and heavy resource requirements of initial…
Credit card is one of the most extensive methods of instalment for both online and offline mode of payment for electronic transactions in recent times. credit cards invention has provided significant ease in electronic transactions.…
With the growth of digital monetary transactions and cashless payments, encouraged by the COVID-19 pandemic, use of e-payment applications is on the rise. It is thus imperative to understand and evaluate the current posture of e-payment…
This research aims to provide a framework to assess the contribution of digital currencies to promote financial inclusion, based on a diagnosis of the landscape of financial inclusion and domestic and cross-border payments in Latin America…
With challenges and limitations associated with security in the fintech industry, the rise to the need for data protection increases. However, the current existing passwordless and password-based peer to peer transactions in online banking…
Central Bank Digital Currency (CBDCs) are becoming a new digital financial tool aimed at financial inclusion, increased monetary stability, and improved efficiency of payment systems, as they are issued by central banks. One of the most…
Digital wallet as a software program or a digital device allows users to conduct various transactions. Hot and cold digital wallets are considered as two types of this wallet. Digital wallets need an online connection fall into the first…
One of major considerations in an online business is customer privacy. Consumers are not interested in being monitored and identified by sellers. Some solutions are proposed to hide selection of the customer but in the payment phase, there…