This paper explores the impact of contactless payment on consumers' demand for cash at an early stage of diffusion. The specific devices that are investigated are debit and credit cards, in which the feature is embedded. A novel balanced panel dataset drawn from representative surveys on...

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...

RFID applicants called as e-ID, smart tag, and contactless smart card are being applied to numerous areas in our daily life, including tracking manufactured goods, currency, and patients to payments systems. To review these various applications of RFID is important to exploring not only ongoing...

Card payment systems are sometimes accused of taking from the poor and giving to the rich. The argument is as follows: High card fees are leading to higher retail prices for both, card users and cash users. However, high income card holders are receiving rewards when purchasing by card. The...

This paper presents a novel security architecture for protecting the integrity of facial signature images and templates using watermarking and Visual Cryptography (VC). The proposed scheme offers a complete protection framework for the facial signature biometrics consists of two stages: the...