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Mobile payment in Fintech environment: trends, security challenges, and services
Human-centric Computing and Information Sciences ( IF 3.9 ) Pub Date : 2018-10-30 , DOI: 10.1186/s13673-018-0155-4
Jungho Kang

Due to recent developments in IT technology, various Fintech technologies composing of finance and technology are being developed. Especially, because of rapidly growing online market and supply of mobile devices, the need for mobile Fintech payment service that enables easy online and off-line payment has increased. According to the 2013 report by market research company Gartner, purchase related global mobile payment market size was predicted to grow from $45.1 billion in 2012 to $224.3 billion in 2017 with average annual growth of 38%. The study will surveyed the recent trends of mobile Fintech payment services and categorized them based on the service forms to suggest requirements and security challenges so that better and securer service can be provided in the future. First, the study defined existing payment services and Fintech payment services by comparing them, and analyzed recent mobile Fintech payment services to classify mobile Fintech payment service providers into Hardware makers, Operating System makers, payment platform providers, and financial institutions to show their common features. Finally it defined requirements that mobile Fintech payment services must meet and security challenges that future and present mobile Fintech payment services will encounter in the perspective of mutual authentication, authorization, integrity, privacy, and availability. Through the suggested study, it is expected that mobile Fintech payment services will develop into more secure services in the future.

中文翻译:

金融科技环境中的移动支付:趋势,安全挑战和服务

由于IT技术的最新发展,正在开发由金融和技术组成的各种金融技术。特别地,由于在线市场的迅速增长和移动设备的供应,对使得易于在线和离线支付的移动金融科技支付服务的需求增加了。根据市场研究公司Gartner于2013年发布的报告,与购买相关的全球移动支付市场规模预计将从2012年的451亿美元增长至2017年的2243亿美元,年均增长38%。这项研究将调查移动金融科技支付服务的最新趋势,并根据服务表格对它们进行分类,以提出要求和安全挑战,以便将来可以提供更好,更安全的服务。第一,该研究通过比较现有的支付服务和金融科技的支付服务,并对最近的移动金融科技的支付服务进行了分析,以将移动金融科技的支付服务提供商分类为硬件制造商,操作系统制造商,支付平台提供商和金融机构,以显示其共同特征。最后,它从相互认证,授权,完整性,隐私性和可用性的角度定义了移动金融科技支付服务必须满足的要求以及未来和现在的移动金融科技支付服务将面临的安全挑战。通过建议的研究,预计未来移动金融技术支付服务将发展为更安全的服务。并分析了最近的移动金融科技支付服务,以将移动金融科技支付服务提供商分为硬件制造商,操作系统制造商,支付平台提供商和金融机构,以显示其共同特征。最后,它从相互认证,授权,完整性,隐私性和可用性的角度定义了移动金融科技支付服务必须满足的要求以及未来和现在的移动金融科技支付服务将面临的安全挑战。通过建议的研究,预计未来移动金融技术支付服务将发展为更安全的服务。并分析了最近的移动金融科技支付服务,以将移动金融科技支付服务提供商分为硬件制造商,操作系统制造商,支付平台提供商和金融机构,以显示其共同特征。最后,它从相互认证,授权,完整性,隐私性和可用性的角度定义了移动金融科技支付服务必须满足的要求以及未来和现在的移动金融科技支付服务将面临的安全挑战。通过建议的研究,预计未来移动金融技术支付服务将发展为更安全的服务。最后,它从相互认证,授权,完整性,隐私和可用性的角度定义了移动金融科技支付服务必须满足的要求以及未来和现在的移动金融科技支付服务将面临的安全挑战。通过建议的研究,预计未来移动金融技术支付服务将发展为更安全的服务。最后,它从相互认证,授权,完整性,隐私性和可用性的角度定义了移动金融科技支付服务必须满足的要求以及未来和现在的移动金融科技支付服务将面临的安全挑战。通过建议的研究,预计未来移动金融技术支付服务将发展为更安全的服务。
更新日期:2018-10-30
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