Abstract: The growth of open networks created the interest to
commercialise it. The establishment of an electronic business
mechanism must be accompanied by a digital – electronic payment
system to transfer the value of transactions. Financial organizations
are requested to offer a secure e-payment synthesis with equivalent
level of security served in conventional paper-based payment
transactions. PKI, which is functioning as a chain of trust in security
architecture, can enable security services of cryptography to epayments,
in order to take advantage of the wider base either of
customer or of trading partners and the reduction of cost transaction
achieved by the use of Internet channels. The paper addresses the
possibilities and the implementation suggestions of PKI in relevance
to electronic payments by suggesting a framework that should be
followed.
Abstract: To respond to the Kyoto Protocol, the policy of Payment for Environmental Service (PES), which was entitled “Plain Landscape Afforestation Program (PLAP)", was certified by Executive Yuan in Taiwan on 31 August 2001 and has been implementing for six years since 1 January 2002. Although the PLAP has received a lot of positive comments, there are still many difficulties during the process of implementation, such as insufficient technology for afforestation, private landowners- low interests in participating in PLAP, insufficient subsidies, and so on, which are potential threats that hinder the PLAP from moving forward in future. In this paper, selecting Ping-Tung County in Taiwan as a sample region and targeting those private landowners with and without intention to participate in the PLAP, respectively, we conduct an empirical analysis based on the Logit model to investigate the factors that determine whether those private landowners join the PLAP, so as to realize the incentive effects of the PLAP upon the personal decision on afforestation. The possible factors that might determine private landowner-s participation in the PLAP include landowner-s characteristics, cropland characteristics, as well as policy factors. Among them, the policy factors include afforestation subsidy amount (+), duration of afforestation subsidy (+), the rules on adjoining and adjacent areas (+), and so on, which do not reach the remarkable level in statistics though, but the directions of variable signs are consistent with the intuition behind the policy. As for the landowners- characteristics, each of age (+), education level (–), and annual household income (+) variables reaches 10% of the remarkable level in statistics; as for the cropland characteristics, each of cropland area (+), cropland price (–), and the number of cropland parcels (–) reaches 1% of the remarkable level in statistics. In light of the above, the cropland characteristics are the dominate factor that determines the probability of landowner-s participation in the PLAP. In the Logit model established by this paper, the probability of correctly estimating nonparticipants is 98%, the probability of correctly estimating the participants is 71.8%, and the probability for the overall estimation is 95%. In addition, Hosmer-Lemeshow test and omnibus test also revealed that the Logit model in this paper may provide fine goodness of fit and good predictive power in forecasting private landowners- participation in this program. The empirical result of this paper expects to help the implementation of the afforestation programs in Taiwan.
Abstract: The Taiwan government has started to promote the “Plain Landscape Afforestation and Greening Program" since 2002. A key task of the program was the payment for environmental services (PES), entitled the “Plain Landscape Afforestation Policy" (PLAP), which was certificated by the Executive Yuan on August 31, 2001 and enacted on January 1, 2002. According to the policy, it is estimated that the total area of afforestation will be 25,100 hectares by December 31, 2007. Until the end of 2007, the policy had been enacted for six years in total and the actual area of afforestation was 8,919.18 hectares. Among them, Taiwan Sugar Corporation (TSC) was accounted for 7,960 hectares (with 2,450.83 hectares as public service area) which occupied 86.22% of the total afforestation area; the private farmland promoted by local governments was accounted for 869.18 hectares which occupied 9.75% of the total afforestation area. Based on the above, we observe that most of the afforestation area in this policy is executed by TSC, and the achievement ratio by TSC is better than by others. It implies that the success of the PLAP is seriously related to the execution of TSC. The objective of this study is to analyze the relevant policy planning of TSC's participation in the PLAP, suggest complementary measures, and draw up effective adjustment mechanisms, so as to improve the effectiveness of executing the policy. Our main conclusions and suggestions are summarized as follows: 1. The main reason for TSC’s participation in the PLAP is based on their passive cooperation with the central government or company policy. Prior to TSC’s participation in the PLAP, their lands were mainly used for growing sugarcane. 2. The main factors of TSC's consideration on the selection of tree species are based on the suitability of land and species. The largest proportion of tree species is allocated to economic forests, and the lack of technical instruction was the main problem during afforestation. Moreover, the method of improving TSC’s future development in leisure agriculture and landscape business becomes a key topic. 3. TSC has developed short and long-term plans on participating in the PLAP for the future. However, there is no great willingness or incentive on budgeting for such detailed planning. 4. Most people from TSC interviewed consider the requirements on PLAP unreasonable. Among them, an unreasonable requirement on the number of trees accounted for the greatest proportion; furthermore, most interviewees suggested that the government should continue to provide incentives even after 20 years. 5. Since the government shares the same goals as TSC, there should be sufficient cooperation and communication that support the technical instruction and reduction of afforestation cost, which will also help to improve effectiveness of the policy.
Abstract: Under the difficult access to finance of SMEs, they expect that its relationship with the banks shall constitute a real help to access appropriate financing, at reasonable costs and requirements, given the possibility of mutually beneficial and long lasting relation. The literature, but also the research we have carried on, is centered on such determinants as concentration and the length of the relationship, but at the same time, there is little certainty that banks are responding positively to them. Furthermore, although the trust is considered as being a fundamental element of bank relationship – see the case house bank – SMEs find that the banks finance them looking rather on collaterals and covenants than to trust. Moreover, a positive behavior, such as prompt or advance repayments of loans, doesn-t generate any positive feedback from the banks side. All these show a deep un-satisfaction of the SMEs concerning their relationship banking.
Abstract: The study aimed to identify the logical structure of
data and particularities of developing and testing a website designed
for selling farm products through online auctions.
The research is based on a short literature review in the field and
exploratory trials of some successful models from other industries, in
order to identify the advantages of using such tool, as well as the
optimal structure and functionality of an auction portal. In the last
part, the study focuses on the results of testing the website by the
potential beneficiaries.
Conclusions of the study underlines that the particularities of some
agricultural products could raise difficulties in the process of selling
them through online auctions, but the use of such system it is
perceived to bring significant improvements in the supply chain.
The results of scientific investigations require a more detailed
study regarding the importance of using quality standards for
agricultural products sold via online auction, the impact that
implementation of an online payment system could have on trade
with agricultural products and problems which could arise in using
the website in different countries.
Abstract: In recent years in Kazakhstan, as well as in all countries, we have been talking not only about the professional stress, but also professional Burnout Syndrome of employees. Burnout is essentially a response to chronic emotional stress – manifests itself in the form of chronic fatigue, despondency, unmotivated aggression, anger, and others. This condition is due to mental fatigue among teachers as a sort of payment for overstrain when professional commitments include the impact of “heat your soul", emotional investment. The emergence of professional Burnout among teachers is due to the system of interrelated and mutually reinforcing factors relating to the various levels of the personality: individually-psychological level is psychodynamic special subject characteristics of valuemotivational sphere and formation of skills and habits of selfregulation; the socio-psychological level includes especially the Organization and interpersonal interaction of a teacher. Signs of the Burnout were observed in 15 testees, and virtually a symptom could be observed in every teacher. As a result of the diagnosis 48% of teachers had the signs of stress (phase syndrome), resulting in a sense of anxiety, mood, heightened emotional susceptibility. The following results have also been got:-the fall of General energy potential – 14 pers. -Psychosomatic and psycho vegetative syndrome – 26 pers. -emotional deficit-34 pers. -emotional Burnout Syndrome-6 pers. The problem of professional Burnout of teachers in the current conditions should become not only meaningful, but particularly relevant. The quality of education of the younger generation depends on professional development; teachers- training level, and how “healthy" teachers are. That is why the systematic maintenance of pedagogic-professional development for teachers (including disclosure of professional Burnout Syndrome factors) takes on a special meaning.
Abstract: The growth of open networks created the interest to commercialise it. The establishment of an electronic business mechanism must be accompanied by a digital-electronic payment system to transfer the value of transactions. Financial organizations are requested to offer a secure e-payment synthesis with equivalent levels of trust and security served in conventional paper-based payment transactions. The paper addresses the challenge of the first trade problem in e-commerce, provides a brief literature review on electronic payment and attempts to explain the underlying concept and method of trust in relevance to electronic payment.
Abstract: This paper analyzed the perception of e-commerce
application services by construction material traders in Malaysia.
Five attributes were tested: usability, reputation, trust, privacy and
familiarity. Study methodology consists of survey questionnaire and
statistical analysis that includes reliability analysis, factor analysis,
ANOVA and regression analysis. The respondents were construction
material traders, including hardware stores in Klang Valley, Kuala
Lumpur.
Findings support that usability and familiarity with e-commerce
services in Malaysia have insignificant influence on the acceptance of
e-commerce application. However, reputation, trust and privacy
attributes have significant influence on the choice of e-commerce
acceptance by construction material traders. E-commerce
applications studied included customer database, e-selling, emarketing,
e-payment, e-buying and online advertising. Assumptions
are made that traders have basic knowledge and exposure to ICT
services. i.e. internet service and computers. Study concludes that
reputation, privacy and trust are the three website attributes that
influence the acceptance of e-commerce by construction material
traders.
Abstract: In this paper, Economic Order Quantity (EOQ) based model for non-instantaneous Weibull distribution deteriorating items with power demand pattern is presented. In this model, the holding cost per unit of the item per unit time is assumed to be an increasing linear function of time spent in storage. Here the retailer is allowed a trade-credit offer by the supplier to buy more items. Also in this model, shortages are allowed and partially backlogged. The backlogging rate is dependent on the waiting time for the next replenishment. This model aids in minimizing the total inventory cost by finding the optimal time interval and finding the optimal order quantity. The optimal solution of the model is illustrated with the help of numerical examples. Finally sensitivity analysis and graphical representations are given to demonstrate the model.
Abstract: The increasing development of wireless networks and
the widespread popularity of handheld devices such as Personal
Digital Assistants (PDAs), mobile phones and wireless tablets
represents an incredible opportunity to enable mobile devices as a
universal payment method, involving daily financial transactions.
Unfortunately, some issues hampering the widespread acceptance of
mobile payment such as accountability properties, privacy protection,
limitation of wireless network and mobile device. Recently, many
public-key cryptography based mobile payment protocol have been
proposed. However, limited capabilities of mobile devices and
wireless networks make these protocols are unsuitable for mobile
network. Moreover, these protocols were designed to preserve
traditional flow of payment data, which is vulnerable to attack and
increase the user-s risk. In this paper, we propose a private mobile
payment protocol which based on client centric model and by
employing symmetric key operations. The proposed mobile payment
protocol not only minimizes the computational operations and
communication passes between the engaging parties, but also
achieves a completely privacy protection for the payer. The future
work will concentrate on improving the verification solution to
support mobile user authentication and authorization for mobile
payment transactions.
Abstract: Determining reasonable fees is the main objective of designing the cost estimation and payment systems for consultant contracts. However, project clients utilize different cost estimation and payment systems because of their varying views on the reasonableness of consultant fees. This study reviews the cost estimation and payment systems of consultant contracts for five countries, including the US (Washington State Department of Transportation), Japan (Ministry of Land, Infrastructure, Transport and Tourism), China (Engineering Design Charging Standard) and UK (Her Majesty's Treasure). Specifically, this work investigates the budgeting process, contractor selection method, contractual price negotiation process, cost review, and cost-control concept of the systems used in these countries. The main finding indicates that that project client-s view on whether the fee is high will affect the way he controls it. In the US, the fee is commonly considered to be high. As a result, stringent auditing system (low flexibility given to the consultant) is then applied. In the UK, the fee is viewed to be low by comparing it to the total life-cycle project cost. Thus, a system that has high flexibility in budgeting and cost reviewing is given to the consultant. In terms of the flexibility allowed for the consultant, the systems applied in Japan and China fall between those of the US and UK. Both the US and UK systems are helpful in determining a reasonable fee. However, in the US system, rigid auditing standards must be established and additional cost-audit manpower is required. In the UK system, sufficient historical cost data should be needed to evaluate the reasonableness of the consultant-s proposed fee
Abstract: Mobile payments have been deployed by businesses for more than a decade. Customers use mobile payments if they trust in this relatively new payment method, have a belief and confidence in, as well as reliance on its services and applications. Despite its potential, the current literature shows that there is lack of customer trust in B2C mobile payments, and a lack of studies that determine the factors that influence their trust in these payments; which make these factors yet to be understood, especially in the Middle East region. Thus, this study aims to explore the factors that influence customer trust in mobile payments. The empirical data for this explorative study was collected by establishing four focus group sessions in the UAE. The results indicate that the explored significant factors can be classified into five main groups: customer characteristics, environmental (social and cultural) influences, provider characteristics, mobile-device characteristics, and perceived risks.
Abstract: As a by-product of its "cyberspace" status, electronic
commerce is global, encompassing a whole range of B2C
relationships which need to be approached with solutions provided at
a local level while remaining viable when applied to global issues.
Today, the European Union seems to be endowed with a reliable
legal framework for consumer protection. A question which remains,
however, is enforcement of this protection. This is probably a matter
of time and awareness from both parties in the B2C relationship.
Business should realize that enhancing trust in the minds of
consumers is more than a question of technology; it is a question of
best practice. Best practice starts with the online service of high
street banks as well as with the existence of a secure, user-friendly
and cost-effective payment system. It also includes the respect of
privacy and the use of smart cards as well as enhancing privacy
technologies and fair information practice. In sum, only by offering
this guarantee of privacy and security will the consumer be assured
that, in cyberspace, his/her interests will be protected in the same
manner as in a traditional commercial environment.
Abstract: The purpose of this paper was to study motivation
factors affecting job performance effectiveness. This paper drew
upon data collected from an Internal Audit Staffs of Internal Audit
Line of Head Office of Krung Thai Public Company Limited.
Statistics used included frequency, percentage, mean and standard
deviation, t-test, and one-way ANOVA test. The finding revealed that
the majority of the respondents were female of 46 years of age and
over, married and live together, hold a bachelor degree, with an
average monthly income over 70,001 Baht. The majority of
respondents had over 15 years of work experience. They generally
had high working motivation as well as high job performance
effectiveness.
The hypotheses testing disclosed that employees with different
working status had different level of job performance effectiveness at
a 0.01 level of significance. Working motivation factors had an effect
on job performance in the same direction with high level. Individual
working motivation included working completion, reorganization,
working progression, working characteristic, opportunity,
responsibility, management policy, supervision, relationship with
their superior, relationship with co-worker, working position,
working stability, safety, privacy, working conditions, and payment.
All of these factors related to job performance effectiveness in the
same direction with medium level.
Abstract: The building of a factory can be a strategic investment
owing to its long service life. An evaluation that only focuses, for
example, on payments for the building, the technical equipment of
the factory, and the personnel for the enterprise is – considering the
complexity of the system factory – not sufficient for this long-term
view. The success of an investment is secured, among other things,
by the attainment of nonmonetary goals, too, like transformability.
Such aspects are not considered in traditional investment calculations
like the net present value method. This paper closes this gap with the
enhanced economic evaluation (EWR) for factory planning. The
procedure and the first results of an application in a project are
presented.
Abstract: A potentially serious problem with current payment systems is that their underlying hard problems from number theory may be solved by either a quantum computer or unanticipated future advances in algorithms and hardware. A new quantum payment system is proposed in this paper. The suggested system makes use of fundamental principles of quantum mechanics to ensure the unconditional security without prior arrangements between customers and vendors. More specifically, the new system uses Greenberger-Home-Zeilinger (GHZ) states and Quantum Key Distribution to authenticate the vendors and guarantee the transaction integrity.
Abstract: Despite the strong and consistent increase in the use of
electronic payment methods worldwide, the diffusion of electronic
wallets is still far from widespread. Analysis of the failure of
electronic wallet uptake has either focused on technical issues or
chosen to analyse a specific scheme. This article proposes a joint
approach to analysing key factors affecting the adoption of e-wallets
by using the ‘Technology Acceptance Model” [1] which we have
expanded to take into account the cost of using e-wallets. We use this
model to analyse Monéo, the only French electronic wallet still in
operation.
Abstract: One challenging direction of mobile commerce (mcommerce)
that is getting a great deal of attention globally is mobile
financing. The smart-phone and PDA users all around the world are
facing difficulties to become accustomed and trust in m-commerce.
The main rationale can be the slow variation and lack of trust in
mobile payment systems. Mobile payment systems that are in use
need to be more effective and efficient. This paper proposes: the
interface design is not the only factor affecting the m-commerce
adoption and lack of trust; in fact it is the combined effect of
interface usability and trustworthy mobile payment systems, because
it-s the money that the user has to spend at the end of the day, which
the user requires to get transferred securely. The purpose of this
research is to identify the problems regarding the trust and adaption
of m-commerce applications by mobile users and to provide the best
possible solution with respect to human computer interaction (HCI)
principles.
Abstract: Network exchange is now widely used. However, it still
cannot avoid the problems evolving from network exchange. For
example. A buyer may not receive the order even if he/she makes the
payment. For another example, the seller possibly get nothing even
when the merchandise is sent. Some studies about the fair exchange
have proposed protocols for the design of efficiency and exploited the
signature property to specify that two parties agree on the exchange.
The information about purchased item and price are disclosed in
this way. This paper proposes a new fair network payment protocol
with off-line trusted third party. The proposed protocol can protect
the buyers- purchase message from being traced. In addition, the
proposed protocol can meet the proposed requirements. The most
significant feature is Non-transfer property we achieved.
Abstract: The subject of the paper is comparative analysis of the hotel guest-s contractual liability for breaching the obligation for non-payment of hotel services in the hotel-keeper-s contract. The paper is methodologically conceived of six chapters (1. introduction, 2. comparative law sources of the hotel-keeper-s contract, 3. the guest-s obligation for payment of hotel services, 4. hotel guest's liability for non-payment, 5. the hotel-keeper-s rights due to nonpayment and 6. conclusion), which analyzes the guest-s liability for non-payment of hotel services through the international law, European law, euro-continental national laws (France, Germany, Italy, Croatia) and Anglo-American national laws (UK, USA). The paper-s results are the synthesis of answers to the set hypothesis and comparative review of hotel guest-s contractual liability for nonpayment of hotel services provided. In conclusion, it is necessary to adopt an international convention on the hotel-keeper-s contract, which would unify the institute of the hotel guest-s contractual liability for non-payment of hotel services at the international level.