Mobile e-Commerce Security: A Study of the End Users’ Security Perceptions

Mobile Payments and End Users' Sensitivity to Information Disclosure

“…In remote mobile payments (generally regarded as online mobile payments), the payment terminal does not have to come in direct contact with the mobile device; examples are carrier billing, mobile payment applications using a barcode, QR codes, and cloud technologies such as implemented in PayPal, Starbucks, and Dunkin Donuts applications [4][6] [7]. Mobile payment systems are similar to mobile commerce, which involves the use of mobile devices (usually smartphones, tablets, and other handheld computing devices) for initiating or completing an electronic transaction [9], but the difference lies in the role of the mobile device and the type of transaction. In mobile commerce, the transaction is carried out entirely over the internet by the end-user to the recipient, while in mobile payments there is an exchange of information between the end user and the merchant, usually through a mobile payment terminal which is linked to an Automated Clearing House (ACH).…”