Consumer Perceptions of Mobile and Traditional Point-of-Sale Credit/Debit Card Systems in the United States: A Survey

Nitesh Saxena; John J. Sloan; Manasvee Godbole; Jun Yu Jacinta Cai; Michael Georgescu; Oliver Nick Harper; David C. Schwebel

doi:10.5281/zenodo.56201

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Consumer Perceptions of Mobile and Traditional Point-of-Sale Credit/Debit Card Systems in the United States: A Survey

Journal article

Peer reviewed

Consumer Perceptions of Mobile and Traditional Point-of-Sale Credit/Debit Card Systems in the United States: A Survey

Nitesh Saxena, John J. Sloan, Manasvee Godbole, Jun Yu Jacinta Cai, Michael Georgescu, Oliver Nick Harper and David C. Schwebel

International journal of cyber criminology, Vol.9(2), pp.162-172

07/01/2015

DOI: 10.5281/zenodo.56201

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https://zenodo.org/record/56201View

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Abstract

In recent years, rapidly emerging technology has introduced mobile Point-Of-Sale (MPOS) systems to the North American market. These systems allow merchants to process transactions conveniently and quickly using mobile phones or tablets rather than "traditional" point-of-sale (TPOS) credit card-processing systems. However, the long-term success of these new payment systems relies on consumers perceiving the device to be secure, accurate, and free from criminal activity. We present a case vs. control clustered field study that evaluated consumers' impressions of the security, trust and convenience of mobile (MPOS) versus traditional (TPOS) readers. Consumers were recruited from a local sandwich shop (MPOS) and an ice cream shop (TPOS) and surveyed about their perceptions of the devices immediately after completing transactions using their credit/debit cards. Implications for consumers and industry, including prevention of cyber crime, are discussed.

Criminology & Penology

Social Sciences

Details

Title: Subtitle: Consumer Perceptions of Mobile and Traditional Point-of-Sale Credit/Debit Card Systems in the United States: A Survey
Creators: Nitesh Saxena - University of Alabama
John J. Sloan - University of Alabama
Manasvee Godbole - University of Alabama
Jun Yu Jacinta Cai - University of Alabama
Michael Georgescu - University of Alabama
Oliver Nick Harper - University of Alabama
David C. Schwebel - University of Alabama
Resource Type: Journal article
Publication Details: International journal of cyber criminology, Vol.9(2), pp.162-172
DOI: 10.5281/zenodo.56201
ISSN: 0974-2891
eISSN: 0974-2891
Publisher: K Jaishankar
Number of pages: 11
Grant note: faculty development grant from the UAB Center for Information Assurance and Joint Forensics Research (CIA\JFR)
Language: English
Date published: 07/01/2015
Academic Unit: Research Administration
Record Identifier: 9984949474302771

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