Do Newspaper Articles on Card Fraud Affect Debit Card Usage?

Kosse, Anneke

doi:10.2139/ssrn.2018175

Cited by 12 publications

(15 citation statements)

References 21 publications

(18 reference statements)

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“…For example, Kosse () shows that perceptions of the safety of payment instruments strongly influence payment preferences. Our finding that safety has become a more important driver of payment behavior over time may be related to the fact that skimming fraud and the number of mentions in the press about skimming fraud increased sharply in the Netherlands since January 1, 2005 (Kosse ). Kosse () finds that debit card usage is negatively affected by these publications.…”

Section: Regression Results: Shifts In Relationships Per Type Of Posmentioning

confidence: 91%

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Drivers of Payment Patterns at the Point of Sale: Stable or Not?

Cruijsen

Plooij

2017

Contemporary Economic Policy

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This research shows that it is key to have up‐to‐date information on payment behavior per type of point of sale (POS) and on how this behavior is driven by sociodemographic factors and perceived payment instrument attributes. Based on 2004 and 2014 data of the Netherlands, we find substantial shifts in the drivers of payment behavior. The sociodemographic factors behind the adoption of the credit card and debit card have changed, especially for the latter payment card. In addition, there are substantial shifts in the effects of sociodemographic factors and perceived relative payment attributes on which payment instrument consumers most often use. Shifts in payment behavior depend on the type of POS. Overall, we find that safety has become more important for payment behavior. The extent to which payment behavior depends on user‐friendliness and speed has somewhat decreased. (JEL C25, D12, E42)

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Section: Regression Results: Shifts In Relationships Per Type Of Posmentioning

confidence: 91%

“…Overall, safety has become a more important driver of payment behavior over time. This may be related to the increased media attention to safety (Kosse ). The extent to which payment behavior depends on user‐friendliness and speed has decreased.…”

Section: Resultsmentioning

confidence: 99%

Drivers of Payment Patterns at the Point of Sale: Stable or Not?

Cruijsen

Plooij

2017

Contemporary Economic Policy

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“…This is done by splitting up the private cryptography key of all systems, generating limited vectors from the system to be used as keys and then calculating a hash function for all those keys. The same process is done for each trait and the hash functions are stored in a database that is kept unlimited [22]. These hash values are basically used for identification purposes.…”

Section: Biometric Based Authenticationmentioning

confidence: 99%

Modern Authentication Techniques in Smart Phones: Security and Usability Perspective

Shafique¹,

Khan²,

Waqar³

et al. 2017

ijacsa

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Abstract-A smartphone has more advanced computing ability and connectivity than basic featured phones. Presently, we are moving from the Internet society to a mobile society where more and more access to the information is required. This has resulted in a mobile security which is no longer immanent, but imperative. Smartphone authentication has received substantial attention of the research community for the past several years because there have been modern developments beyond the classical PINs and passwords making user authentication more challenging. In this paper, we critically analyze the attacks and the vulnerabilities in smartphones' authentication mechanisms. A comparative analysis of different authentication techniques along with the usage of the different authentication methods is discussed which lead the end-user towards choosing the most suitable and customizable authentication technique.

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“…However, this might have been illicitly copied in a previous attack, e.g. via a manipulated ATM machine [3].…”

Section: Using Client's Location Information To Enhanced Authenticatimentioning

confidence: 99%

Location-assured, multifactor authentication on smartphones via LTE communication

2013

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With the added security provided by LTE, geographical location has become an important factor for authentication to enhance the security of remote client authentication during mCommerce applications using Smartphones. Tight combination of geographical location with classic authentication factors like PINs/Biometrics in a real-time, remote verification scheme over the LTE layer connection assures the authenticator about the client itself (via PIN/biometric) as well as the client's current location, thus defines the important aspects of "who", "when", and "where" of the authentication attempt without eaves dropping or man on the middle attacks. To securely integrate location as an authentication factor into the remote authentication scheme, client's location must be verified independently, i.e. the authenticator should not solely rely on the location determined on and reported by the client's Smartphone. The latest wireless data communication technology for mobile phones (4G LTE, Long-Term Evolution), recently being rolled out in various networks, can be employed to enhance this location-factor requirement of independent location verification. LTE's Control Plane LBS provisions, when integrated with user-based authentication and independent source of localisation factors ensures secure efficient, continuous location tracking of the Smartphone. This feature can be performed during normal operation of the LTE-based communication between client and network operator resulting in the authenticator being able to verify the client's claimed location more securely and accurately. Trials and experiments show that such algorithm implementation is viable for nowadays Smartphone-based banking via LTE communication.

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Do Newspaper Articles on Card Fraud Affect Debit Card Usage?

Cited by 12 publications

References 21 publications

Drivers of Payment Patterns at the Point of Sale: Stable or Not?

Drivers of Payment Patterns at the Point of Sale: Stable or Not?

Modern Authentication Techniques in Smart Phones: Security and Usability Perspective

Location-assured, multifactor authentication on smartphones via LTE communication

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