Optical camera communication for mobile payments using an LED panel light

2018 ◽  
Vol 57 (19) ◽  
pp. 5288 ◽  
Author(s):  
Hao-Wei Chen ◽  
Shang-Sheng Wen ◽  
Yun Liu ◽  
Min Fu ◽  
Zi-Chun Weng ◽  
...  
Keyword(s):  
Mobile Payments ◽  
Panel Light ◽  
Optical Camera Communication

Mobilising resiliency in times of economic hardship: Emerging themes in migrant worker remittance payments

2014 ◽  
Vol 7 (2) ◽  
pp. 159-167
Author(s):  
Kevin Garlan
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Migrant Worker ◽  
Economic Hardship ◽  
Priority Areas ◽  
Mobile Payments ◽  
Payment Methods ◽  
The Future ◽  
Emerging Themes ◽  
The Global Financial Crisis

This paper analyses the nexus of the global financial crisis and the remittance markets of Mexico and India, along with introducing new and emerging payment technologies that will help facilitate the growth of remittances worldwide. Overall resiliency is found in most markets but some are impacted differently by economic hardship. With that we also explore the area of emerging payment methods and how they can help nations weather this economic strife. Mobile payments are highlighted as one of the priority areas for the future of transferring monetary funds, and we assess their ability to further facilitate global remittances.

The use of statistical methods in the analysis of mobile payment market in Poland

2020 ◽  
Vol 3 (2) ◽  
pp. 45-50
Author(s):  
Artur Borcuch
Keyword(s):  
Economic Growth ◽  
Economic Activity ◽  
Initial Phase ◽  
Positive Impact ◽  
Ease Of Use ◽  
Mobile Payment ◽  
Human History ◽  
Payment Systems ◽  
Mobile Payments ◽  
Payment Instruments

Payments are an inherent element of economic activity (León and Ortega 2018). However, the evolution of payment instruments and the way individuals and businesses make daily payments has undergone enormous change in human history, particularly due to main innovations in payment systems in last decades (Gandhi 2016). The last innovation in payment system concerns mobile payment. The development of mobile payments market can have a positive impact on economic growth (Leon and Rodriguez 2012). Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The main purpose of this article is to analyze, which feature (convenience, speed, availability, ease of use, safety) of mobile payments could be the most important for users from Poland.

scholarly journals Panel Econometric Analysis on Mobile Payment Transactions and Traditional Banks Effort toward Financial Accessibility in Sub-Sahara Africa

2020 ◽  
Vol 12 (3) ◽  
pp. 895 ◽  
Author(s):  
Cephas Paa Kwasi Coffie ◽  
Hongjiang Zhao ◽  
Isaac Adjei Mensah
Keyword(s):  
Time Series Data ◽  
Unit Root Test ◽  
Panel Cointegration ◽  
Ordinary Least Squares ◽  
Sustainable Growth ◽  
Series Data ◽  
Mobile Payment ◽  
Cross Sectional ◽  
Mobile Payments ◽  
Long Run

The financial landscape of sub-Sahara Africa is undergoing major changes due to the advent of FinTech, which has seen mobile payments boom in the region. This paper examines the salient role of mobile payments in traditional banks’ drive toward financial accessibility in sub-Sahara Africa by using panel econometric approaches that consider the issues of independencies among cross-sectional residuals. Using data from the World Development Index (WDI) 2011–2017 on 11 countries in the region, empirical results from cross-sectional dependence (CD) tests, panel unit root test, panel cointegration test, and the fully modified ordinary least squares (FMOLS) approach indicates that (i) the panel time series data are cross-sectionally independent, (ii) the variables have the same order of integration and are cointegrated, and (iii) growth in mobile payment transactions had a significant positive relationship with formal account ownership, the number of ATMs, and number of new bank branches in the long-run. The paper therefore confirms that the institutional structure of traditional banks that makes them competitive, irrespective of emerging disruptive technologies, has stimulated overall financial accessibility in the region leading to overall sustainable growth in the financial sector. We conclude the paper with feasible policy suggestions.

Towards a More Competitive Mobile Payment Industry: Standardization And Beyond

2020 ◽  
Author(s):  
Xingyu Yan
Keyword(s):  
Financial Market ◽  
Competitive Dynamics ◽  
Mobile Payment ◽  
Market Failures ◽  
Mobile Payments ◽  
The World ◽  
Chinese Industry ◽  
Definable Groups ◽  
Study Case ◽  
Bank Card

Abstract Mobile payments are becoming increasingly popular around the world. In countries like China, they appear in the form of barcode payments and are poised to replace cash and bank card payments for day-to-day consumer purchases. Against that backdrop, this paper analyzes the availability of barcode standardization as an approach to interoperability and ultimately to enhanced competition in the mobile payment industry. It uses the Chinese industry as a study case, which features a duopoly structure and shifting competitive dynamics among three definable groups of market players. This paper confirms that standardization can enhance competition and argues that, in this case, a government-mandated standardization is preferable to a voluntary one because the latter is prone to financial market failures. Along this line, this paper makes three suggestions for furthering the barcode standardization. It also advises prudence and competitive neutrality for the financial regulator and calls for more active involvements of the competition and data protection authorities.

scholarly journals A qualitative study of consumer resistance to mobile payments for in-store purchases

2021 ◽  
Vol 181 ◽  
pp. 634-641
Author(s):  
Niklas Eriksson ◽  
Ates Gökhan ◽  
Minna Stenius
Keyword(s):  
Qualitative Study ◽  
Consumer Resistance ◽  
Mobile Payments

scholarly journals Design of an SVM Classifier Assisted Intelligent Receiver for Reliable Optical Camera Communication

Sensors ◽  
2021 ◽  
Vol 21 (13) ◽  
pp. 4283
Author(s):  
Md.-Habibur Rahman ◽  
Md. Shahjalal ◽  
Moh. Khalid Hasan ◽  
Md.-Osman Ali ◽  
Yeong-Min Jang
Keyword(s):  
Light Emitting Diode ◽  
Characteristic Curve ◽  
Analysis Data ◽  
Image Sensor ◽  
Data Rate ◽  
Support Vector ◽  
Svm Classifier ◽  
High Data ◽  
Receiver System ◽  
Optical Camera Communication

Embedding optical camera communication (OCC) commercially as a favorable complement of radio-frequency technology has led to the desire for an intelligent receiver system that is eligible to communicate with an accurate light-emitting diode (LED) transmitter. To shed light on this issue, a novel scheme for detecting and recognizing data transmitting LEDs has been elucidated in this paper. Since the optically modulated signal is captured wirelessly by a camera that plays the role of the receiver for the OCC technology, the process to detect LED region and retrieval of exact information from the image sensor is required to be intelligent enough to achieve a low bit error rate (BER) and high data rate to ensure reliable optical communication within limited computational abilities of the most used commercial cameras such as those in smartphones, vehicles, and mobile robots. In the proposed scheme, we have designed an intelligent camera receiver system that is capable of separating accurate data transmitting LED regions removing other unwanted LED regions employing a support vector machine (SVM) classifier along with a convolutional neural network (CNN) in the camera receiver. CNN is used to detect every LED region from the image frame and then essential features are extracted to feed into an SVM classifier for further accurate classification. The receiver operating characteristic curve and other key performance parameters of the classifier have been analyzed broadly to evaluate the performance, justify the assistance of the SVM classifier in recognizing the accurate LED region, and decode data with low BER. To investigate communication performances, BER analysis, data rate, and inter-symbol interference have been elaborately demonstrated for the proposed intelligent receiver. In addition, BER against distance and BER against data rate have also been exhibited to validate the effectiveness of our proposed scheme comparing with only CNN and only SVM classifier based receivers individually. Experimental results have ensured the robustness and applicability of the proposed scheme both in the static and mobile scenarios.

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