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In this paper, we present the design and evaluation of a near-field communication-based mobile p2p payment application, called mFerio, that is designed to replace cash-based transactions. ... We chose not to compare mobile payments to credit cards as credit cards require infrastructure and thus cannot be used in a peer-to-peer manner. ... mFerio prototypes and for their help in conducting the phase 1 user studies. ...doi:10.1145/1555816.1555846 dblp:conf/mobisys/BalanRPCH09 fatcat:ehfwo7gljjaybavznmne556b2q
Payment systems play a significant role in our daily lives. They are an important driver of economic activities and a vital part of the banking infrastructure of any country. ... Unlike other person-to-person payment systems, the proposed methods do not require the receiving entity to have a bank account, or to perform any registration procedure. ... Conflicts of Interest: The authors declare no conflict of interest. ...doi:10.3390/s17061376 pmid:28608846 pmcid:PMC5492722 fatcat:sbkclu6k3fbnxh2g3npl5p66ai
We describe how we built such a set of apps for mobile shoppers and retailers equipped only with smart phones and tablets, and who require little to no training to use them. ... We describe how we conducted a user study of retailers in North India to ascertain their needs, and to understand the ecosystem in emerging markets. ... The authors give very little detail as to how the service is unique, and, base their results on simulation rather than deployment. mFerio is a mobile payment solution that uses NFC to facilitate payment ...doi:10.4108/ue.1.3.e1 fatcat:gf4qxiafsvhzni5e56ycw5hwne
The study covered design considerations and evaluated M2M money transfer system in two phases of user study, comparing VM usage with a physical cash-based system. ... The usability and security of a system have been shown to be sensitive to similar vulnerabilities during the design, development and testing stages of a system  . ... These systems (For instance, mobile phone financial service providers systems) make use of the Internet but they are not designed to help cater for rural areas. ...fatcat:lgikz24sxnbjxdx633ilaw6ice