Knowledge graph of mobile payment platforms based on deep learning: Risk analysis and policy implications

Xia, Huosong; Wang, Yuan; Gauthier, Jeffrey; Zhang, Zuopeng

doi:10.1016/j.eswa.2022.118143

Cited by 7 publications

(3 citation statements)

References 86 publications

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“…There are various definitions of the concept of "electronic money". Thus, in the Glossary of terms published in 2001 by the Bank for International Settlements, electronic money was understood as a value that is stored electronically on devices such as a hard disk drive or in the form of a chip card (Ivasiv, 2008;Xia et al, 2022). The European Central Bank has given the following definition of "electronic money", according to which electronic money should be understood as electronic storage of money on an electronic medium, which can be used to make payments in favour of entities and which in turn does not entail the use of bank accounts, but simply works as a bearer prepayment tool.…”

Section: Resultsmentioning

confidence: 99%

Financial and Legal Regulation of Electronic Money Circulation in Developed Countries

Kovalenko¹,

Samsin²,

Subina³

et al. 2022

R. Econ. and Finan.

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The relevance of this paper is conditioned by the study of the regulation of electronic money circulation in the countries of the world, in particular in Ukraine, the specifics of carrying out activities in the field of issuing electronic money and establishing the regulatory basis for such activities. The purpose of this study is to investigate and analyse the financial and legal regulation of electronic money circulation, and to establish the specifics of issuing electronic money. The following methods were used: dialectical method, formalisation, hermeneutical, legal, formal and legal, logical and legal methods, system, structural and functional method, axiomatic method, induction and deduction, analysis, synthesis, etc. The findings are the definition and establishment of the features of the concept of "electronic money" and "electronic money circulation"; the establishment of the regulatory framework for regulating electronic money; investigation of the history of the establishment of electronic money in the world; the regulations of the sphere of electronic money circulation in Ukraine are studied and ways to improve this sphere are proposed. Subjects who can engage in activities aimed at issuing electronic money were identified and the features of their activities were determined. The provisions set out in this paper are of practical value primarily for subjects whose activities are aimed at implementing electronic money circulation and regulating this activity, and for persons who somehow participate in electronic money circulation and whose rights may be violated by the providers of such services.

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Section: Resultsmentioning

confidence: 99%

Financial and Legal Regulation of Electronic Money Circulation in Developed Countries

Kovalenko¹,

Samsin²,

Subina³

et al. 2022

R. Econ. and Finan.

View full text Add to dashboard Cite

show abstract

“…The third pair in the hierarchy is an overlap between "AI-7 "(advantage, intelligent, system, automatically, realtime) and "SMM-6" (information, mobile, transaction, sale, payment). The overlap of these concepts show implications of machine learning in digital transactions, and mobile payment, [41] [42]. Similarly, such works hint that the commercial activities of social media that focus on mobile, transaction, sale, and payment have special attention to AI solutions related to intelligent, systems, and automation.…”

Section: Smm-1 Smm-2 Smm-3 Smm-4 Smm-5 Smm-6 Smm-mentioning

confidence: 99%

Refining the Smart Linkage Across Two Fields: Artificial Intelligence and Social Media Marketing Using LDA and Bibliographic coupling (August 2023)

Hanif,

Hanif

et al. 2023

IEEE Access

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Apparently, two different fields might share common knowledge. Such shared knowledge might have better strategic priority for commercial enterprises working on applying solutions from one area to another domain. For instance, when using solutions from "artificial intelligence" (AI) to given "social media marketing" (SMM) programs, this shared-information might accelerate cross-functional cooperation to attain completive advantage -an area of study that is mainly under-researched. In this context, the current study presents a sustainable design model to reveal the range of linkage options between AI and SMM from commercial prospects. Methodologically, the patent database related to AI and SMM is employed to generate topics independently, using the classic topic model, Latent Dirichlet allocation. Then, those topics are mutually paired through bibliographic coupling. The study's findings observed cross-concept networks; it reveals a range of concept pairs, and each pair is linked through a unique value of coupling strength. For instance, the top five AI-SMM pairs show the highest coupling value and offer the maximum commonality of previous work(s) in the following areas: [accurate advertising; automation of customer-response]; [automation of payment transaction; accuracy of transactions; and automation of network database, storage. This study contributes to the literature in three ways. First, each bibliographic coupling-based association shows a unique association of shared knowledge -an influence of common prior art(s). Second, using citation-based linkage auto-updates to add sustainable features. Third, taking the patents database reflects the concepts covering technological activities. In summary, the current study has a specific focus, but overall analysis can be applied to other unrelated fields, making it capable of meeting complex challenges through sustainable cooperation. Bringing automation in information sharing might open promising doors for cross-field communication, capable of completing complex challenges for smart cooperation for sustainable industry development.

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“…A payment system based on biometric technology can guarantee certain payment security because users are uniquely identified, but service providers must ensure users’ trust. Compared with cash, DCEP affects the privacy of user payment data, similar to the issues associated with mobile payments (Xia et al 2022 ). However, unlike mobile payment platforms, the central bank—as a non-commercial entity—has no motivation to use private transaction data and can credibly commit to protect users’ data better than private banks or digital platforms, thus effectively addressing personal privacy issues and avoiding potential price discrimination against consumers (Auer et al 2022 ).…”

Section: Introductionmentioning

confidence: 99%

Understanding the adoption context of China’s digital currency electronic payment

2023

Self Cite

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Central banks worldwide have started researching and developing central bank digital currencies (CBDCs). In the digital economy context, concerns regarding the integrity, competition, and privacy of CBDC systems have also gradually emerged. Against this backdrop, this study aims to evaluate users’ willingness to use China’s digital currency electronic payment (DCEP) system, a digital payment and processing network, and its influencing factors by comprehensively considering and comparing the characteristics of cash and third-party payment services. Combining the push-pull-mooring framework (PPM) and task-technology fit (TTF) theory, we discuss the scenarios and mechanisms that may inspire users’ DCEP adoption intention through an empirical study. The results reveal that privacy concerns regarding the original payment methods and technology-task fitting level of DCEP positively impact users’ willingness to adopt DCEP. The technical characteristics of DCEP, users’ payment requirements, and government support positively affect users’ adoption intention by influencing the task-technology fitting degree of DCEP. Switching cost significantly and negatively impacts adoption intention, whereas relative advantage exhibits no significant effect. This research contributes to a better understanding of the factors that influence switching intentions and the actual use of DCEP, and provides policy guidance on promoting the efficiency and effectiveness of DCEP.

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Knowledge graph of mobile payment platforms based on deep learning: Risk analysis and policy implications

Cited by 7 publications

References 86 publications

Financial and Legal Regulation of Electronic Money Circulation in Developed Countries

Financial and Legal Regulation of Electronic Money Circulation in Developed Countries

Refining the Smart Linkage Across Two Fields: Artificial Intelligence and Social Media Marketing Using LDA and Bibliographic coupling (August 2023)

Understanding the adoption context of China’s digital currency electronic payment

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