The blockchain is a decentralized and distributed digital ledger - an open database with a pattern of sharable and unmodifiable data that are sequenced in chronological order. Practical applications go well beyond the controversial crypto-currencies, even thanks to smart contracts and digital...

By now, almost without exception, every business has an internet presence, and is likely engaged in e-commerce. What are the major risks perceived by those engaged in e-commerce and electronic payment systems? What potential risks, if they become reality, may cause substantial increases in...

This paper summarizes an explorative study of the novel design and security that contribute to consumers’ adoption of an integrated, single platform payment system encompassing card, Internet and mobile technologies in the ASEAN. The attempt to survey these areas in an integrated fashion is a...

We study a model of financial intermediation, payment choice, and privacy in the digital economy. Cash preserves anonymity but cannot be used for more efficient online transactions. By contrast, bank deposits can be used online but do not preserve anonymity. Banks use the information contained...

E-payment is a key component of e-commerce, facilitating improved user efficiency and fostering the intent to use e-commerce in the digital realm and the international integration arena. This study investigates the joint impact of digital literacy on two similar but fundamentally different...

The Millennials and Generation Z use online shopping for a holistic experience and buy more expensive or better-quality products with buy now pay later payment methods for their highly demanding needs. The authors aimed to deepen understanding of this phenomenon by finding related knowledge...