Design and analysis of a smart multi purpose electronic nose system.
Abstract: An electronic nose system for multi application purposes is designed and tested. Our hardware design allows various types of sensors to be used for different applications. The system is capable of being interfaced to both analog and digital instruments with special filtering devices that isolate the system from...

Retail payment systems: what can we learn from two-sided markets?
Abstract: Some retail payment systems can be modelled as two-sided markets, where a payment system facilitates money exchanges between consumers on one side and merchants on the other. The system sets rules and standards, to ensure usage and acceptance of its payment instruments by consumers and merchants respectively. Some...

Impact of ATMs on the use of cash (*).
Abstract: This paper examines the role of cash usage in the development of payment media. For that purpose, the basic trends of change in payment media are scrutinized using European data. Although cash still clearly dominates in small retail payments, there has been a definite shift towards electronic payments...

Young generation attitudes and awareness towards the implementation of smart card in Bahrain: an exploratory study.
Abstract: SmartCards are one of the latest additions to the continuing list of advancements and innovations in the world of information and communication technology. A SmartCard resembles in size and shape to a normal credit card or bank ATM card, with a microprocessor chip implanted into the plastic card....

Barriers in using e-banking in payment system of Bosnia and Herzegovina.
Abstract: In recent years banks in banking system of Bosnia and Herzegovina (BiH) have been working very hard on adoption modern technological inovations in their business. Specially, given bank's attention to introduce these new technological inovations, e-banking, seems like distrubution channels of their financial products to their clients. This...

The deregulation of usury ceilings, rise of easy credit, and increasing consumer debt.
I. INTRODUCTION Few laws regarding economic regulation have a longer history than usury laws. (1) Strong attempts to limit usury punctuate Western history. Within the last century, however, these attempts have quickly unraveled. A convergence of factors in the industrialized world has produced the groundbreaking phenomenon of...

Why is electronic debit important to your business?
If the only method of payment that your business offers today is credit cards, then you are missing a large part of the market. Adding electronic checks can substantially increase your revenue and your bottom line. Not accepting electronic checks excludes the 35 percent or more of the U.S....

Getting carded: long before Bill Clinton held up a plastic card in a State of the Union address a decade ago to illustrate the idea of universal health coverage, these types of cards had become a growing emblem of health insurance. Now they are here.
A new "credit card" may be coming to a wallet near you soon--if it hasn't already. Plastic, swipable, magnetic-strip cards are about to become a much bigger symbol of health care benefits, because at last these cards can do more than just carry a number. Use of cards that,...

Technology puts the power in payment processing; in the end, there's nothing more important to your company's success than getting paid by customers for your DR products. New advances in payment processing technology have made old problems in finalizing payment easier to erase.
Get paid. Two words that put the proverbial exclamation mark on the end of sales. Get paid--then and only then--is the sale done. Thanks to the payment processing industry's tinkering with technology, paydays for DR marketers are getting easier and coming faster. Today, payment processing is reeking...

Fundraising new idea: online payment "smart codes" that can reproduce.
Introduction While looking for better ways to publish a newsletter online, this writer, who designed and wrote software in a previous career, invented what looks like a new tool for online commerce. This article outlines fundraising possibilities of this "smart codes" design for computer-controlled money, with financial...