Ally, Mustafa and Toleman, Mark (2004) A critical analysis of buyer authenticated credit card payment programs: the online merchant's perspective. In: e-Biz World Conference 2004, 25 Feb 2004, Seoul, Korea.
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[Abstract]: Recently introduced by the major credit card associations as replacements for the decommissioned SET and 3DSET protocols, the new payment models, 3DSecure and UCAF/SPA, have been designed to provide online merchants with a solution to an existing problem in online credit card transactions - the lack of an effective and efficient means of authenticating cardholders. The expected benefits arising from this added level of security from the merchant's perspective are increased consumer confidence, significant reduction in the levels of fraud and chargebacks and 'liability shift'. Using data gleaned from preliminary interviews, discussion forums and promotional material, we present a critical analysis of the potential barriers and facilitators that will impact on the widespread traction of these programs in the marketplace in the coming years.
|Item Type:||Conference or Workshop Item (Commonwealth Reporting Category E) (Paper)|
|Additional Information:||No evidence of copyright restrictions.|
|Uncontrolled Keywords:||payment systems, credit card fraud, buyer authentication models|
|Fields of Research (FOR2008):||08 Information and Computing Sciences > 0804 Data Format > 080402 Data Encryption|
15 Commerce, Management, Tourism and Services > 1503 Business and Management > 150399 Business and Management not elsewhere classified
|Subjects:||280000 Information, Computing and Communication Sciences > 280500 Data Format > 280504 Data Encryption|
350000 Commerce, Management, Tourism and Services > 350200 Business and Management > 350213 Electronic Commerce
|Socio-Economic Objective (SEO2008):||B Ecomonic Development > 89 Information and Communication Services > 8902 Computer Software and Services > 890299 Computer Software and Services not elsewhere classified|
|Deposited On:||24 Jul 2009 23:29|
|Last Modified:||20 Jun 2012 11:31|
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