Bitcoin is increasingly popular, which is partly evidenced by the significant increase in its value in recent years. This increase in popularity and value has led to malicious actors stealing, or ...attempting to steal, Bitcoin wallet private keys in order to gain ownership of the digital currency held in these wallets. To demonstrate this security threat, two Bitcoin wallet software are studied, namely: Multibit HD and Electrum. Each wallet is subject to a combination of a password exploits and a restore wallet exploit. Findings suggest that it is possible to gain access to Multibit HD and Electrum wallets through offline brute force password attempts. Once a password is found, it is possible to restore a wallet with all Bitcoins contained within. This restoration is possible even if access to the Bitcoin wallet has never occurred. These findings highlight the need for more research into Bitcoin wallet security and forensics.
•Cracking bitcoin wallets: Multibit HD and Electrum.•Password exploits and a restore wallet exploit.•Offline brute force password attempts on Multibit HD and Electrum.
The concept of Hierarchical Deterministic Wallet (HDW) was introduced by Wuille in Bitcoin Improvement Proposal 32 (BIP32). HDW enables an individual/organization to generate cryptographic keys and ...subsequently ease the key management problems (e.g., backup and recovery). Since the first HDW algorithm in 2012, HDW has gradually shown its fit for many promising use cases, such as Bitcoin-like cryptocurrencies, global key revocation in FIDO2 standard. In order to achieve all the features (i.e., deterministic derivation, master public key and hierarchy) and the security (i.e., safety of cryptocurrencies and privacy protection of users) requirements for HDW, Yin et al. (ESORICS 2022) conceptualized Hierarchical Deterministic Wallet supporting Stealth Address (HDWSA), and gave a provably secure construction from the standard Computational Diffie-Hellman Assumption. Unfortunately, the construction is not quantum-resistant. In this work, we propose the first HDWSA construction from lattices to fill this gap, we provide the security proof for the construction in the random oracle model (ROM) based on hard problems over lattices. Compared with existing works, to the best of our knowledge, our construction not only captures all the HDW features and security properties, but also provides the potential quantum resistance.
CUSTOMER PERCEPTION; E-WALLET USED AS A NON-CASH PAYMENT TOOL Zahrah, Salsabilla Aulia Az; Manafe, Leonard Adrie; Tatasari, Titis ...
Media Mahardhika: Media Komunikasi Ekonomi dan Manajemen (Online),
09/2023, Letnik:
22, Številka:
1
Journal Article
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Odprti dostop
This study aims to determine customer perceptions of Haus! Siwalankerto regarding the use of e-wallets as non-cash payments. The method used in this study is a qualitative method with excavation ...techniques through interviews. Retrieval of data in this study using informants as many as seven customers. This research provides valuable insights for stakeholders, including e-wallet companies, merchants, and local governments, in increasing e-wallet adoption in Haus! Siwalankerto. The indicators used to see perceptions are perceptions of convenience, usability and risk. This research shows that: First, Perceived Convenience, most customers agree that e-wallets provide many conveniences; Second, Perceived Usefulness shows that the majority of customers agree that during payment transactions they use e-wallets; Third, Risk Perception shows that a small proportion agree that e-wallet payments are very low risk. Research show, it can be seen from the large number of customer interests, it shows that almost all use e-wallet payments as a non-cash payment instrument. Then the use of e-wallets on Haus! Siwalanketo is influenced by these three perceptions.
This research delves into the factors influencing the adoption of e-wallets among users in Vietnam through quantitative analysis utilizing SmartPLS software. Although one hypothesis received only ...partial support, the remaining three out of four hypotheses were fully supported. The research focuses on individuals utilizing e-wallets in Vietnam, providing novel insights into factors shaping usage behavior. The findings contribute to our understanding of e-wallet adoption dynamics and offer empirical evidence for model consistency across different consumer groups. Moreover, the study clarifies the impacts on the behavior of current e-wallet users and provides valuable insights for potential adopters, addressing their concerns and usage purposes comprehensively. Additionally, it emphasizes the importance for businesses to understand consumer needs and concerns, facilitating a clear understanding for users as they navigate e-wallet usage. Overall, the research aims to foster development and ensure safety in the digital transformation era, benefiting users and businesses in Vietnam and globally.
Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines ...antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users’ intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z’s intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment – Generation Z to examine the factors influencing their decision to adopt Electronic wallet.
Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z’s adoption. KCI Citation Count: 3
•The aim of this study was to explore factors influencing user's recommendation to use m-wallet.•We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's ...intention.•We also determined the moderating effect of stress and social influence on user's satisfaction and recommendation.•This paper is a pioneer in the analysis of intention to use in India context.•This study provides a set of recommendations for companies.
Potential for the use of mobile wallet is enormous and it is drawing attention as an alternative mode of payment worldwide. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. The research model included 206 responses from an online and manual survey in India. Our study tested the moderating effect of innovativeness, stress to use and social influence on user's perceived satisfaction and recommendation to use mobile wallet services. We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's intention, which further influenced user's perceived satisfaction and recommendation to use mobile wallet services. We also determined the significant moderating effect of stress to use and social influence on user's perceived satisfaction and recommendation to mobile wallet services. This study provides an integrated framework for academicians to measure the moderating effect of psychological, social and risk factors on technology acceptance. It can also help practitioners by identifying important factors affecting user's decision, which further affects user's perceived satisfaction and recommendation to use mobile wallet services.
Although digitalisation brings important possibilities to banking & finance service, implementing digital technologies in practices can be challenging. Indeed, the adoption of new innovative ...technology in the banking & finance sector lags behind other business sectors. Many of the valuable banking & finance-related technologies have not been adopted in relation to the strategic implications of decisions in domains such as the development of service innovation and personalization, value co-creation, and marketing strategies. In particular, there is a paucity of research in using gamification to explore ways of customising banking & finance fintech offerings, improving customers’ experience, and developing efficient banking & finance marketing tactics. Drawing on the UTAUT2 and Otcalysis gamification framework, this study develops a research model investigating what configurations of motivations, expectations and conditions can shape consumers’ behavioral intention to adopt a gamified mobile wallet system. Findings suggest that combining effort expectancy, facilitating conditions and perceived value leads to higher intention to use gamified mobile wallet. Accordingly, firms need to consider the three core conditions when design relevant gamifications.
Why do people use and recommend m-wallets? Kaur, Puneet; Dhir, Amandeep; Bodhi, Rahul ...
Journal of retailing and consumer services,
September 2020, 2020-09-00, Letnik:
56
Journal Article
Recenzirano
Odprti dostop
In recent years, mobile wallets (m-wallets), a special form of mobile payment, have garnered much attention in various emerging markets. M-wallets were designed to offer customers swiftness, ease of ...use, efficiency, effectiveness, transparency, and accessibility. Despite these benefits, usage intentions and adoption of m-wallets in most emerging markets have been low, and they have not received widespread acceptance. Notably, existing research related to intentions to use (IUs) mobile payments has largely focused on developed economies and mobile payments in general. Additionally, few studies have examined intentions to recommend (ITRs), even though researchers have recognized that word-of-mouth is an important driver of consumer behavior. In the present study, we addressed the lack of specific findings on use and recommendation intentions in the context of m-wallets by conducting a large cross-sectional survey of 1256 smartphone users based on diffusion of innovation theory (DOI). Results revealed that relative advantage, compatibility, complexity, and observability were significantly associated with participants' intentions toward m-wallets. However, trialability had no association with participants’ intentions to use and recommend m-wallets to others.
•We examined factors influencing the diffusion of m-wallets in emerging markets.•We used diffusion of innovation theory (DOI) to understand acceptance and use.•We examined the association between various factors and intentions to use/recommend.•Relative advantage, compatibility, complexity, and observability were significant variables.•Trialability had a in significant association with intentions to use/recommend m-wallets.
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