Smart card technology is currently popular for global identification. The use of smart cards continues to increase in various fields along with the rapid development of technology. Data security stored on a smart card needs to be a focus of attention to avoid misuse of data by unauthorized...

This article critiques the decision of the England and Wales Court of Appeal in Philipp v Barclays Bank on the duties of banks whose customers are the subject of a scam or other external fraud. It argues that without an assumption of responsibility to look after the interests of customers banks...

SMARTCARE is a flagship initiative of Europe's Beating Cancer Plan and it makes the cancer systems in Europe more compassionate and also more efficient by using an innovative app for the cancer survivor journey.

Der Einsatz von eSIM in Endgeräten, die auf mobile Kommunikation zurückgreifen, nimmt sowohl im Consumer- als auch im M2M-Bereich stetig zu. Die vorliegende Studie untersucht mögliche Auswirkungen der eSIM auf den Wettbewerb mit einem Fokus auf Anwendungen im Consumer-Bereich. Dabei...

Modern public transit systems are often run with automated fare collection (AFC) systems in combination with smart cards. These systems passively collect massive amounts of detailed spatio-temporal trip data, thus opening up new possibilities for public transit planning and management as well as...

The COVID-19 pandemic has changed travel behaviour and reduced the use of public transport throughout the world, but the reduction has not been uniform. In this study we analyse the propensity to stop traveling by public transport during COVID-19 for the holders of 1.8 million smart cards in...

How far can shoe-leather go in explaining the welfare cost of inflation? Using a unique set of microeconomic data on households, we estimate the parameters of the demand for money derived from the generalized Baumol-Tobin model. Our data set contains information on average holdings of cash, on...

This paper proposes the estimation of trip origin-destination matrices using big data through two case studies. In the first, trip matrices are estimated from mobile network data and compared with household travel survey results. In the second, public transport trip matrices are derived from...

This study employs an administrative dataset containing high-frequency transaction records for approximately four million smart transit cards used by Singaporean residents in order to study the travel preferences of public transport commuters. We examine the impact of service attributes,...

In the past few years, secure information sharing became very popular in the area of immigration, military applications, healthcare, education, foreign affairs, etc. As secure communication utilizes both wireless and wired communication mechanizations for exchanging sensitive information, so...

We exploit the principles of choice architecture to evaluate interventions in the market for reloadable prepaid cards. Participants are randomized into three card menu presentation treatments - the market status quo, a regulation-inspired reform, or an enhanced reform designed to minimize...

Due to the rapid advancement in electronic commerce technology, credit and debit cards theft have increased. As credit/debit card becomes the most popular mode of payment for both online and regular purchase in Nigeria, cases of fraud keeps increasing. Financial fraud has increased significantly...

The issue of consumer payments and data security has reached a high level of public and regulatory interest as a result of a number of recent high-profile data breaches that compromised consumer payment cards. In addition, the ecosystem of consumer payment security has changed dramatically in...

Public transport smart cards are widely used around the world. However, while they provide information about various aspects of passenger behavior, they have not been properly exploited to predict demand. Indeed, traditional methods in economics employ linear unbiased estimators that pay little...

Improved technology allows enhanced data opportunities. Yet, the more useful the data collected may be – whether financial, demographic or personal – the more intrusive is the impact on personal liberty and individual privacy. Thus, there is a trade-off in terms of the costs and benefits of...

This paper proposes the estimation of trip origin-destination matrices using big data through two case studies. In the first, trip matrices are estimated from mobile network data and compared with household travel survey results. In the second, public transport trip matrices are derived from...

Australia's payment card regulations are similar to those used in a variety of countries around the world. However, as we argue below, they are complex, open to gaming and have failed to win support from consumers.In this paper, we present an alternative approach to regulation involving direct...

In recent years, regulators in various parts of the world have capped interchange fees on debit and credit cards. The justification for the caps rests to a large extent on the argument that these cards have, for certain merchants, become must-take cards rather than ‘wanna-take cards'. That is,...

In this study, we present and discuss the results of a longitudinal survey on consumers' payment behaviour carried out yearly during the period 2010 to 2016. We have collected data among 119,117 Dutch consumers aged 12 years and older using single day payment diaries. Between 2010 and 2013 the...

We exploit the principles of choice architecture to evaluate interventions in the market for reloadable prepaid cards. Participants are randomized into three card menu presentation treatments - the market status quo, a regulation-inspired reform, or an enhanced reform designed to minimize...

This essay takes a closer look at the U.S. payment card system, primarily debit cards. I examine the bundle of transactional services this and other types of payment cards provide. My goal, in large part, is to assess the competitive effects of the debit card interchange fee cap under the Durbin...

This paper analyzes the scope of out-of-market efficiencies in competition policy from a legal and economic perspective. It identifies potential shortcomings in neglecting their relevance, both in relation to the economic principles of two-sided platforms and, more generally, in the fulfillment...

This application note shows how to use smart card for security and authentication for application with procedure and mechanism. Include details configuration of contact & contactless chip. How access control on operating system, conclusion with smart card secure or not