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ردیف | عنوان | نوع |
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1 |
Forecasting third-party mobile payments with implications for customer flow prediction
پیش بینی پرداخت های تلفن همراه شخص ثالث با پیامدهای پیش بینی جریان مشتری-2020 Forecasting customer flow is key for retailers in making daily operational decisions, but
small retailers often lack the resources to obtain such forecasts. Rather than forecasting
stores’ total customer flows, this research utilizes emerging third-party mobile payment
data to provide participating stores with a value-added service by forecasting their share
of daily customer flows. These customer transactions using mobile payments can then be
utilized further to derive retailers’ total customer flows indirectly, thereby overcoming
the constraints that small retailers face. We propose a third-party mobile-paymentplatform
centered daily mobile payments forecasting solution based on an extension
of the newly-developed Gradient Boosting Regression Tree (GBRT) method which can
generate multi-step forecasts for many stores concurrently. Using empirical forecasting
experiments with thousands of time series, we show that GBRT, together with a strategy
for multi-period-ahead forecasting, provides more accurate forecasts than established
benchmarks. Pooling data from the platform across stores leads to benefits relative to
analyzing the data individually, thus demonstrating the value of this machine learning
application. Keywords: Analytics | Big data | Customer flow forecasting | Machine learning | Forecasting many time series | Multi-step-ahead forecasting strategy |
مقاله انگلیسی |
2 |
Exploring the growth challenge of mobile payment platforms: A business model perspective
بررسی چالش رشد سیستم عامل های پرداخت تلفن همراه: چشم انداز مدل کسب و کار-2020 The power of platform business models has grown as our economies become increasingly digital, but how companies address the challenge of platform growth to achieve a critical mass of users remains unclear. In this study, we take a business model (BM) perspective to understand how mobile payment platform providers go about addressing such a challenge. We studied how mobile payment providers engaged in innovation of their business models, and thus identified three pertaining aspects: rethinking the relationship management with retailers, creating partnerships with other actors in the payment ecosystem to complement and deliver the proposed value, and integrating and using front-end mobile technology. Furthermore, our study suggests that mobile payment providers need to adapt their role within the ecosystem to scale the platform, and that it will depend on their choice of scope of geographic availability. Finally, we suggest that mutual adaptation of BMs of platform-as-sociated actors leads to improved diffusion of the platform offer, which also hints at the need for researchers to revisit innovation diffusion and technology adoption theories by acknowledging the importance of the BM of the offer side of technology. Keywords: Business model | Case study | Digital transformation | Fintech | Mobile payment | Platforms |
مقاله انگلیسی |
3 |
EyesGAN: Synthesize human face from human eyes
EyesGAN: صورت انسان را از چشم انسان سنتز کنید-2020 Face recognition recently has achieved remarkable success in many fields, especially in mobile payment,
authentication, criminal investigation, and city management. However, face occlusion is still the key
problem in person identification, such as in the field of anti-terrorism, criminal cases and public security.
To solve this problem, an improved end-to-end deep generative adversarial network (named EyesGAN)
has been proposed to synthesize human face from human eyes in this paper, which can be used as a
potential scheme for masked face recognition. BicycleGAN is chosen as the baseline and effective
improvements have been achieved. First, the self-attentional mechanism is introduced so that the
improved model can more effectively learn about the internal mapping between human eyes and face.
Second, the perceptual loss is applied to guide the model cyclic training and help with updating the network
parameters so that the synthesized face can be of higher-similarity to the ground truth face. Third,
EyesGAN has been designed by getting the utmost out of the performance of the perceptual loss and the
self-attentional mechanism in GANs. A dataset of eyes-to-face synthesis has been reconstructed based on
the public face datasets for training and testing. Finally, the faces synthesized by EyesGAN have been
quantitatively and qualitatively compared with the results of existing methods. Extensive experiments
demenstrate that our proposed method has performed better than the state-of-the-art methods in terms
of Average Euclidean Distance, Average Cosine Similarity, Synthesis Accuracy Percentage, Fréchet
Inception Distance, and Baidu face recognition rate (the accuracy achieved 96:1% on 615 test data of
CelebA database). In this paper, the feasibility of synthesizing human face from human eyes has been
explored, and the attention map shows that our network can predict other parts of the face from eyes. Keywords: Eyes-to-face synthesis | Self-attention mechanism | Perceptual loss | Face occlusion recognition | Conditional generative adversarial networks |
مقاله انگلیسی |
4 |
User engagement for mobile payment service providers : introducing the social media engagement model
تعامل کاربر برای ارائه دهندگان خدمات پرداخت تلفن همراه: معرفی مدل تعامل رسانه های اجتماعی-2020 Twitter is being used by mobile wallet firms for customer acquisition, relationship management, marketing and
promotional purposes. This study examines service advertisement and promotional tweets by mobile wallet
firms on Twitter. For this study, timeline data of top four mobile wallet firms of India, Paytm, MobiKwik,
Freecharge and Oxigen Wallet were extracted from their Twitter screen (firm generated tweets). The user
generated tweets were also extracted, using the search terms as firms name. This study proposes a Social Media
Engagement model for understanding user dynamics. The study provides three interesting inputs for promotional
marketing tweets, firstly, firm should post mix of the tweets with respect to content type (i.e. informational,
entertainment, remuneration and social). Secondly, a periodic campaigning is needed by the firms; and
lastly, firms should focus on increasing their network size. The implications of these findings can help firms
managers and marketers in planning effective social media marketing campaigns. Keywords: Social media marketing | Digital payments | Twitter analytics | Mobile wallets | Customer engagement |
مقاله انگلیسی |
5 |
How perceived value drives the use of mobile financial services apps
چگونگی درک ارزش ، استفاده از برنامه های خدمات مالی موبایل را هدایت می کند-2019 Mobile information services have revolutionized business models and service delivery methods by facilitating
consumer access to information and order placement via mobile apps. In developed markets, mobile banking (mbanking)
and mobile payment (m-payment) applications have replaced text-based mobile services. However,
extant research has not addressed these mobile financial services apps (MFSAs) adequately from the perspective
of consumer behavior. Thus, the present study developed and tested a series of hypotheses related to the
antecedents of perceived value of MFSA use; it also examined how such use affects the development of customers’
overall relationships with banks. Our hypotheses were tested using two samples (N=992; N=524)
comprising different types of MFSA end-users in one of the leading countries in digital banking, Finland. The
results supported most of the hypotheses and revealed that self-congruence and new product novelty are the
principal drivers of perceived MFSA value. In addition, the findings show that the perceived value of MFSAs
yields strong positive effects on customers’ overall satisfaction and commitment to their bank. The present
study’s key managerial implication is that banks’ investments in developing MFSAs result in improved relationships
with customers and increased business. Keywords: Mobile financial services apps | Perceived value | Personal innovativeness | Self-congruence | New product novelty |
مقاله انگلیسی |
6 |
مجموعه داده برای عملکرد پرداخت الکترونیکی در سیستم بانکداری نیجریه: تحلیل روند از سال 2012 تا 2017
سال انتشار: 2018 - تعداد صفحات فایل pdf انگلیسی: 5 - تعداد صفحات فایل doc فارسی: 8 ظهور فناوری اطلاعات و ارتباطات (ICT) در عصر جدید به دیجیتالی شدن فرآیندهای کسب و کار از جمله بانکداری منجر شده است. برای اندازه گیری عملکرد در میان دیگر سودمندی¬ها، مجموعه داده برای این کانال¬های الکترونیکی بانکی - دستگاه خودپرداز یا ATM، معاملات اینترنتی (وب) ، پرداخت با موبایل، پرداخت از طریق مسنجر، صندوق انتقال الکترونیک، فروش با دستگاه پوز (POS)، تسویه خودکار چک و برات¬های الکترونیکی پرداخت، بررسی شد. این مجموعه داده تجزیه و تحلیلی از کارایی روند پرداخت الکترونیکی از ارزش و حجم آن در هر کانال بر روی پلت فرم سیستم بین بانکی مسکن نیجریه (NIBSS) در شش سال گذشته از سال 2012 - 2017 فراهم می کند.
کلیدواژگان: اقتباس | رقابت | دیجیتالی شدن | بانکداری الکترونیکی | کارائی پرداخت الکترونیکی. |
مقاله ترجمه شده |
7 |
Is mobile payment still relevant in the fintech era?
آیا پرداخت سیار هنوزهم در عصر فناوری مناسب است؟-2018 Mobile phones have provided such an enormous opportunity for financial development, and are anticipated to become a common tool for carrying out various financial transactions. Hundreds of mobile payment services have been introduced across the globe. Strikingly, many of these efforts have failed. This study analyzes whether mobile payment is still relevant in the fintech era. I compare three mobile payment projects – Oi Paggo in Brazil, TCASH in Indonesia, and M-PESA in Kenya – as case studies. I argue that mobile payment systems currently operate in such complex and multidimensional networks with shared common infrastructures and compete for producing and providing value to the customers on the basis of these infrastructures. Three attributes of industry and network structure are immediately of interest: (1) cutting the vertical supply chain more finely may encourage large players to extend their domination, (2) the basic platform continues to be governed by multinational operators (MNOs) – telecom firms, and (3) openness may be decreasing or increasing even as the number of independent parties in the supply chain drops.
keywords: Case study methods |Developing countries |Financial transactions |Financial services |Fintech |Innovation |Mobile payment |Modularity |Networks |Payment networks |Platforms |Technology ecosystems |
مقاله انگلیسی |
8 |
Evaluation of an integrated mobile payment, route planner and social network solution for public transport
ارزیابی یک پرداخت یکپارچه تلفن همراه، برنامه ریز مسیر و راه حل شبکه های اجتماعی برای حمل و نقل عمومی-2017 The proliferation of new technologies is revolutionizing the public transport sector, allowing Operators to replace complex and
expensive infrastructures by travellers’ mobile devices and online management channels and platforms. This paper aims to present
the Seamless Mobility platform, a disruptive solution based on these new channels, which main goal is to facilitate and promote
public transport usage for travellers, as well as reducing operational costs for public transport companies. The Seamless Mobility
platform integrates three main components: (i) mobile payments, (ii) route planner, and (iii) social network. The payment
component is based on the pay-as-you-go concept with check-in and check-out requiring the reading of the corresponding QR Code
station. The route planner combines information from published schedules with real-time information to identify the nearest stops,
the next departures, or the best route for a scheduled trip. The social network component allows real time sharing among travellers
of public transport information, related to several aspects of the service (e.g. noise, skilfulness of drivers). To test the concept, a
mobile application, called OneRide, was developed. This application was tested by users in real environment, in the city of Porto,
Portugal. The results show that users considered the system extremely useful, since it is more convenient than traditional systems.
It was also clear that users valued the integration of additional and complementary services with mobile payments, such as
information about their journey, maps and schedules. Regarding the social component some users found it difficult to understand
the concept, but once they understood they considered it very useful. The use of the QR Codes to perform the payment has shown
to be one of the main challenges to be addressed, since lighting conditions, position and distance to the QR Code influences the
reading process.
Keywords: Mobile payments | journey planner | social network | public transport | seamless mobility |
مقاله انگلیسی |
9 |
Security-related factors in extended UTAUT model for NFC based mobile payment in the restaurant industry
عوامل مرتبط با امنیت در مدل UTAUT توسعه یافته برای پرداخت تلفن همراه مبتنی بر NFC در صنعت رستوران-2017 This study aims to provide an integrated model that examines the determinants of near-field commu- nication (NFC) based mobile payment (MP) technology acceptance in the restaurant industry. The pro- posed model, which combines the unified theory of acceptance and use of technology (UTAUT) and technology acceptance model (TAM), was tested via structural equation modeling (SEM) by using data collected from 412 restaurant customers. The study results indicated that the proposed model provides approximately 20% greater explanatory power and predictive accuracy than the original UTAUT model and demonstrates strong evidence of the effects of risk, security, and trust on customers intentions to use NFC-based MP technology in restaurant settings. In addition, considering the total effect, attitude, security, and risk have the most substantial impact on customers’ behavioral intentions. The study results further demonstrate that risk, security, and trust are also important determinants, with direct and in- direct impacts, of other critical constructs (i.e., effort expectancy, hedonic and utilitarian performance expectancy, attitude, and intention). The empirical findings provide valuable theoretical contributions for researchers and practical implications for restaurant operators and technology vendors by explaining the reasons as to why the NFC-based MP is not popular in North American restaurants.© 2017 Elsevier Ltd. All rights reserved. Keywords:Unified theory of acceptance and use of | technology (UTAUT) | Near-field communication (NFC) technology | Restaurants | Mobile payment | E-commerce |
مقاله انگلیسی |
10 |
احراز هویت متقابل در امنیت سیستم پرداخت سیار با استفاده از کد QR رمزنگاری شده براساس زیرساخت کلید عمومی
سال انتشار: 2016 - تعداد صفحات فایل pdf انگلیسی: 5 - تعداد صفحات فایل doc فارسی: 16 تراکنش پرداختی با استفاده تلفن همراه دارای ریسک های احتمالی نیز می باشد. دستگاه های موبایل هنوز امن نیستند و نیاز به توجه بیشتری در منطقه امنیتی دارند. در این مقاله، روش کدهای احراز هویتِ متقابل بین مشتری و بازرگان با استفاده از رمزنگاری کد QR را ارائه می دهیم. کد QR به طور گسترده در تکنولوژی های اخیر مورد استفاده قرار گرفته است. کد QR می تواند اطلاعات بیشتری را از یک بارکد سنتی ذخیره کند. این سیستم امنیتی با استفاده از زیرساخت کلید عمومی (PKI) یک لایه امنیتی اضافی را تضمین می¬کند.
کلمات کلیدی: کد QR | زیرساخت کلید عمومی (PKI) | پرداخت همراه | امنیت |
مقاله ترجمه شده |