Search results for "verkkomaksaminen"
showing 6 items of 6 documents
Using Blockchain in Digitalizing Enterprise Legacy Systems: An Experience Report
2021
Blockchain technology and distributed ledger technology (DLT) offer a secure, distributed, and tamper-proof way to store and exchange information. However, apart from standard cryptocurrency-based networks, innovations and process improvements based on the blockchain technology have mostly remained on the conceptualizing stage and have not yet reached mass adoption. There is a high demand for practical experiences from developing blockchain and DLT based systems in various domains outside FinTech. This work seeks to contribute to this gap by presenting real-world experiences from developing a proof of concept for automatizing conditional payments in social benefits and healthcare domains. W…
Effects of PSD2 on security architecture of mobile banking : a review of literature
2017
This thesis aims to find out the changes that the Payment Service Directive (PSD2) will bring to the security architecture of mobile banking. PSD2 will create a situation where security mechanisms are separated from the actual banking application. Payment service providers must provide their Application Programming Interface for third party developers to give them access to authentication of payment transactions. PSD2 requires payments service providers to offer strong customer authentication with separate authentication mechanism from the banking application. This thesis found that academic literature about the security architecture of mobile banking does not provide a model where a separa…
Arm security alternatives
2019
Many real-world scenarios such as protecting DRM, online payments and usage in NFC payments in embedded devices require a trustworthy “trusted execution environment” (TEE) platform. The TEE should run on the ARM architecture. That is popular in embedded devices. Furthermore, past experience has proved that such TEE platform should be available in source code form. Without the source code 3rd parties and user cannot be conducted code review audit. Lack of review put doubt on the system as a trustworthy environment. The popular Android OS supports various TEE implementations. Each TEE OS implementation has its own unique way of deploying trusted applications(trustlets) and its own distinct fe…
Advances in mobile financial services: a review of the literature and future research directions
2022
PurposeUsing the theory, construct, method, moderator (TCMM) format, this framework-based review critically analyses the mobile financial services (MFSs) field through a detailed synthesis and analysis of a sample of mainstream empirical research published in various scientific journals within the period 2009–2020.Design/methodology/approachThe authors followed a three-step structured approach suggested by Webster and Watson (2002) to search for the literature to synthesise the global perspectives on MFSs and their associated applications and systems. The literature research resulted in the identification of 115 most relevant articles.FindingsThe authors identified three major categories or…
PSD2 ja sen vaikutukset verkkomaksamisen tietoturvaan ja liiketoimintamalleihin
2016
Web payments have created a whole industry around them in the last decade where sensitive data is moved around and where security is one of the key concepts. On top of internal facilities, members of the EU are regulated by EU directives of which the second will be taken to legislation by the start of year 2017. It forces the banks to open interfaces that allow third parties to use web shop customers banking credentials in order to initiate payments. Second directive on payment services brings up a set of web security hazards that have yet to be studied. In this thesis a literature review is made on web payment security. I will also study the second directive on payment services and its eff…
Examining the antecedents and consequences of perceived value : a case study of mobile banking application usage in the Kingdom of Saudi Arabia
2022
Recent advancements in information, communications, and mobile technologies have revolutionized banking and payment services as well as consumer behavior. This study examines the continuous usage experience of mobile financial services, and especially mobile banking services, in the Kingdom of Saudi Arabia (KSA), the context of this study. Data were collected from 300 experienced mobile banking users across the KSA using a pre-tested survey instrument. The partial least squares structural equation modelling (PLS-SEM) was used to analyze the data. The results supported most of the hypotheses and revealed that e-service quality, e-information quality, and experience flow have a significant an…