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money</title> <meta name="description" content="Search results for: mobile money"> <meta name="keywords" content="mobile money"> <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1, maximum-scale=1, user-scalable=no"> <meta charset="utf-8"> <link href="https://cdn.waset.org/favicon.ico" type="image/x-icon" rel="shortcut icon"> <link href="https://cdn.waset.org/static/plugins/bootstrap-4.2.1/css/bootstrap.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/plugins/fontawesome/css/all.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/css/site.css?v=150220211555" rel="stylesheet"> </head> <body> <header> <div class="container"> <nav class="navbar navbar-expand-lg navbar-light"> <a class="navbar-brand" href="https://waset.org"> <img src="https://cdn.waset.org/static/images/wasetc.png" alt="Open Science Research Excellence" title="Open Science Research Excellence" /> </a> <button class="d-block d-lg-none navbar-toggler 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id="custom-search-input"> <div class="input-group"> <i class="fas fa-search"></i> <input type="text" class="search-query" name="q" placeholder="Author, Title, Abstract, Keywords" value="mobile money"> <input type="submit" class="btn_search" value="Search"> </div> </div> </form> </div> </div> <div class="row mt-3"> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Commenced</strong> in January 2007</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Frequency:</strong> Monthly</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Edition:</strong> International</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Paper Count:</strong> 2185</div> </div> </div> </div> <h1 class="mt-3 mb-3 text-center" style="font-size:1.6rem;">Search results for: mobile money</h1> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2185</span> A Pathway to Financial Inclusion: Mobile Money and Individual Savings in Uganda</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Musa%20Mayanja%20Lwanga">Musa Mayanja Lwanga</a>, <a href="https://publications.waset.org/abstracts/search?q=Annet%20Adong"> Annet Adong</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This study provides a micro perspective on the impact of mobile money services on individual’s saving behavior using the 2013 Uganda FinScope data. Results show that although saving through the mobile phone is not a common practice in Uganda, being a registered mobile money user increases the likelihood to save with mobile money. Saving using mobile is more prevalent in urban areas and in Kampala and Central region compared to other regions. This can be explained by: first, rural dwellers tend on average to have lower incomes and thus have lower to saving compared to the urban counterpart. Similarly, residents of Kampala tend to have higher incomes and thus high savings compared to residents of other regions. Secondly, poor infrastructure in rural areas in terms of lack of electricity and poor telecommunication network coverage may limit the use of mobile phones and consequently the use of mobile money as a saving mechanism. Overall, the use of mobile money as a saving mechanism is still very low and this could be partly explained by limitations in the legislation that does not incorporate mobile finance services into mobile money. The absence of interest payments on mobile money savings may act as a disincentive to save through this mechanism. Given the emerging mobile banking services, there is a need to create more awareness and the need for enhanced synergies between telecom companies and commercial banks. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=financial%20inclusion" title="financial inclusion">financial inclusion</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20money" title=" mobile money"> mobile money</a>, <a href="https://publications.waset.org/abstracts/search?q=savings" title=" savings"> savings</a>, <a href="https://publications.waset.org/abstracts/search?q=Uganda" title=" Uganda"> Uganda</a> </p> <a href="https://publications.waset.org/abstracts/45630/a-pathway-to-financial-inclusion-mobile-money-and-individual-savings-in-uganda" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/45630.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">296</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2184</span> Customer Experiences and Perspectives on Mobile Money Service Fraud: A Case Study of the University of Education, Winneba</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mavis%20Ofosuah%20Asante">Mavis Ofosuah Asante</a>, <a href="https://publications.waset.org/abstracts/search?q=Abena%20Abokoma%20Asemanyi"> Abena Abokoma Asemanyi</a>, <a href="https://publications.waset.org/abstracts/search?q=Belinda%20Osei-mensah"> Belinda Osei-mensah</a>, <a href="https://publications.waset.org/abstracts/search?q=Stephen%20Osei%20Akyiaw"> Stephen Osei Akyiaw</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The study examined mobile money service fraud experiences and perspectives on control practices at University of Education, Winneba. The objectives of the study included to examine the forms of MoMo fraud strategies experienced by customers of MoMo on UEW Campus, to examine and classify the main perpetrators of the MoMo fraud among UEW students as well as the framework for fraud detection put together by the Telco’s and consumers on UEW Campus. The study adopted the case study research design. The purposive sampling technique was used to select the UEW Campus. Using the convenience sampling technique, five respondents were sampled for the study. The outcome of the in-depth interviews conducted revealed Mobile money fraud was committed in various forms, such as anonymous calls and text messages from scammers, fraudsters calling to deceive subscribers that they are to deliver goods from abroad or from a close relative under false pretexts. Finally, fraudsters sending false cash-out messages to merchants for authorization of which the physical cash is issued by the merchant to the fraudster without the equivalent e-cash. Mobile money fraud has been perpetuated in diverse forms such as mobile money network systems fraud, false promotion fraud, and reversal of erroneous transactions, fortuitous scams, and mobile money agents' fraud. Finally, the frameworks that have been used to detect mobile money fraud include the display of national identifies cards for the transaction, digital identification systems, the use of firewall to protect mobile money accounts, effective information technology architecture for mobile money services, reporting of mobile money fraud to telecoms and the sanctioning of mobile money fraudsters. The study suggested there should be public education and awareness creation on the activities of mobile money fraudsters in Ghana by telecommunication companies in conjunction with the National Communications Authority and the Bank of Ghana. The study, therefore, concluded that the menace of mobile money fraud threatens the integrity of the mobile money financial services. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20money" title="mobile money">mobile money</a>, <a href="https://publications.waset.org/abstracts/search?q=fraud" title=" fraud"> fraud</a>, <a href="https://publications.waset.org/abstracts/search?q=telecommunication" title=" telecommunication"> telecommunication</a>, <a href="https://publications.waset.org/abstracts/search?q=merchant" title=" merchant"> merchant</a> </p> <a href="https://publications.waset.org/abstracts/172229/customer-experiences-and-perspectives-on-mobile-money-service-fraud-a-case-study-of-the-university-of-education-winneba" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/172229.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">79</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2183</span> Determinants of Mobile Payment Adoption among Retailers in Ghana</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Ibrahim%20Masud">Ibrahim Masud</a>, <a href="https://publications.waset.org/abstracts/search?q=Yusheng%20Kong"> Yusheng Kong</a>, <a href="https://publications.waset.org/abstracts/search?q=Adam%20Diyawu%20Rahman"> Adam Diyawu Rahman</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Mobile payment variously referred to as mobile money, mobile money transfer, and mobile wallet refers to payment services operated under financial regulation and performed from or via a mobile device. Mobile payment systems have come to augment and to some extent try to replace the conventional payment methods like cash, cheque, or credit cards. This study examines mobile payment adoption factors among retailers in Ghana. A conceptual framework was adopted from the extant literature using the Technology Acceptance Model and the Theory of Reasoned action as the theoretical bases. Data for the study was obtained from a sample of 240 respondents through a structured questionnaire. The PLS-SEM was used to analyze the data through SPSS v.22 and SmartPLS v.3. The findings indicate that factors such as perceived usefulness, perceived ease of use, perceived security, competitive pressure and facilitating conditions are the main determinants of mobile payment adoption among retailers in Ghana. The study contributes to the literature on mobile payment adoption from developing country context. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20payment" title="mobile payment">mobile payment</a>, <a href="https://publications.waset.org/abstracts/search?q=retailers" title=" retailers"> retailers</a>, <a href="https://publications.waset.org/abstracts/search?q=structural%20equation%20modeling" title=" structural equation modeling"> structural equation modeling</a>, <a href="https://publications.waset.org/abstracts/search?q=technology%20acceptance%20model" title=" technology acceptance model"> technology acceptance model</a> </p> <a href="https://publications.waset.org/abstracts/108564/determinants-of-mobile-payment-adoption-among-retailers-in-ghana" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/108564.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">178</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2182</span> Effect of Electronic Banking on the Performance of Deposit Money Banks in Nigeria: Using ATM and Mobile Phone as a Case Study</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Charity%20Ifunanya%20Osakwe">Charity Ifunanya Osakwe</a>, <a href="https://publications.waset.org/abstracts/search?q=Victoria%20Ogochuchukwu%20Obi-Nwosu"> Victoria Ogochuchukwu Obi-Nwosu</a>, <a href="https://publications.waset.org/abstracts/search?q=Chima%20Kenneth%20Anachedo"> Chima Kenneth Anachedo</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The study investigates how automated teller machines (ATM) and mobile banking affect deposit money banks in the Nigerian economy. The study made use of time series data which were obtained from the Central Bank of Nigeria Statistical Bulletin from 2009 to 2021. The Central Bank of Nigeria (CBN) data on automated teller machine and mobile phones were used to proxy electronic banking while total deposit in banks proxied the performance of deposit money banks. The analysis for the study was done using ordinary least square econometric technique with the aid of economic view statistical package. The results show that the automated teller machine has a positive and significant effect on the total deposits of deposit money banks in Nigeria and that making use of deposits of deposit money banks in Nigeria. It was concluded in the study that e-banking has equally increased banking access to customers and also created room for banks to expand their operations to more customers. The study recommends that banks in Nigeria should prioritize the expansion and maintenance of ATM networks as well as continue to invest in and develop more mobile banking services. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=electronic" title="electronic">electronic</a>, <a href="https://publications.waset.org/abstracts/search?q=banking" title=" banking"> banking</a>, <a href="https://publications.waset.org/abstracts/search?q=automated%20teller%20machines" title=" automated teller machines"> automated teller machines</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile" title=" mobile"> mobile</a>, <a href="https://publications.waset.org/abstracts/search?q=deposit" title=" deposit"> deposit</a> </p> <a href="https://publications.waset.org/abstracts/180816/effect-of-electronic-banking-on-the-performance-of-deposit-money-banks-in-nigeria-using-atm-and-mobile-phone-as-a-case-study" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/180816.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">54</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2181</span> The Novelty of Mobile Money Solution to Ghana’S Cashless Future: Opportunities, Challenges and Way Forward</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Julius%20Y%20Asamoah">Julius Y Asamoah</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Mobile money has seen faster adoption in the decade. Its emergence serves as an essential driver of financial inclusion and an innovative financial service delivery channel, especially to the unbanked population. The rising importance of mobile money services has caught policymakers and regulators' attention, seeking to understand the many issues emerging from this context. At the same time, it is unlocking the potential of knowledge of this new technology. Regulatory responses and support are essential, requiring significant changes to current regulatory practices in Ghana. The article aims to answer the following research questions: "What risk does an unregulated mobile money service pose to consumers and the financial system? "What factors stimulate and hinder the introduction of mobile payments in developing countries? The sample size used was 250 respondents selected from the study area. The study has adopted an analytical approach comprising a combination of qualitative and quantitative data collection methods. Actor-network theory (ANT) is used as an interpretive lens to analyse this process. ANT helps analyse how actors form alliances and enrol other actors, including non-human actors (i.e. technology), to secure their interests. The study revealed that government regulatory policies impact mobile money as critical to mobile money services in developing countries. Regulatory environment should balance the needs of advancing access to finance with the financial system's stability and draw extensively from Kenya's work as the best strategies for the system's players. Thus, regulators need to address issues related to the enhancement of supportive regulatory frameworks. It recommended that the government involve various stakeholders, such as mobile phone operators. Moreover, the national regulatory authority creates a regulatory environment that promotes fair practices and competition to raise revenues to support a business-enabling environment's key pillars as infrastructure. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=actor-network%20theory%20%28ANT%29" title="actor-network theory (ANT)">actor-network theory (ANT)</a>, <a href="https://publications.waset.org/abstracts/search?q=cashless%20future" title=" cashless future"> cashless future</a>, <a href="https://publications.waset.org/abstracts/search?q=Developing%20countries" title=" Developing countries"> Developing countries</a>, <a href="https://publications.waset.org/abstracts/search?q=Ghana" title=" Ghana"> Ghana</a>, <a href="https://publications.waset.org/abstracts/search?q=Mobile%20Money" title=" Mobile Money"> Mobile Money</a> </p> <a href="https://publications.waset.org/abstracts/133737/the-novelty-of-mobile-money-solution-to-ghanas-cashless-future-opportunities-challenges-and-way-forward" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/133737.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">138</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2180</span> Using Mobile Phones for M-Learning in Higher Education: A Comparative Study</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Islam%20Elsayed%20Hussein%20Ali">Islam Elsayed Hussein Ali</a>, <a href="https://publications.waset.org/abstracts/search?q=Stefan%20M.%20Wagner"> Stefan M. Wagner</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Smartphone and tablet computers, as well as other ultra portable devices, have already gained enough critical mass to be considered mainstream devices, being present in the daily lives of millions of higher education students. Many universities throughout the world have already adopted or are planning to adopt mobile technologies in many of their courses as a better way to connect students with the subjects they are studying. These new mobile platforms allow students to access content anywhere/anytime to immerse himself/herself into that content (alone or interacting with teachers or colleagues via web communication forms) and to interact with that content in ways that were not previously possible. This paper plans to provide a thorough overview of the possibilities and consequences of m-learning in higher education environments as a gateway to ubiquitous learning – perhaps the ultimate form of learner engagement, since it allows the student to learn, access and interact with important content in any way or at any time or place he might want so the objective of the study is to examine how the usage of mobile phones for m-learning differs between heavy and light mobile phone users at TU Braunschweig. Heavy mobile phone users are hypothesized to have access to/subscribe to one type of mobile content than light mobile phone users, to have less frequent access to, subscribe to or purchase mobile content within the last year than light mobile phone users, and to pay less money for mobile learning, its content and mobile games than light mobile phone users. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20learning" title="mobile learning">mobile learning</a>, <a href="https://publications.waset.org/abstracts/search?q=technologies" title=" technologies"> technologies</a>, <a href="https://publications.waset.org/abstracts/search?q=applications" title=" applications"> applications</a>, <a href="https://publications.waset.org/abstracts/search?q=higher%20education" title=" higher education"> higher education</a> </p> <a href="https://publications.waset.org/abstracts/36822/using-mobile-phones-for-m-learning-in-higher-education-a-comparative-study" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/36822.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">415</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2179</span> Money and Inflation in Cambodia</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Siphat%20Lim">Siphat Lim</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The result of the study revealed that the interaction between money, exchange rate, and price level was mainly derived from the policy-induced by the central bank. Furthermore, the variation of inflation was explained weakly by exchange rate and money supply. In the period of twelfth-month, the variation of inflation which caused by exchange rate and money supply were not more than 1.78 percent and 9.77 percent, respectively. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=money%20supply" title="money supply">money supply</a>, <a href="https://publications.waset.org/abstracts/search?q=exchange%20rate" title=" exchange rate"> exchange rate</a>, <a href="https://publications.waset.org/abstracts/search?q=price%20level" title=" price level"> price level</a>, <a href="https://publications.waset.org/abstracts/search?q=VAR%20model" title=" VAR model"> VAR model</a> </p> <a href="https://publications.waset.org/abstracts/46180/money-and-inflation-in-cambodia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/46180.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">288</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2178</span> Anti-Money Laundering and Countering of Terrorist Financing: The Role of Domestic Financial Institutions to Prevent Money Laundering</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Dinesh%20Sivaguru">Dinesh Sivaguru</a>, <a href="https://publications.waset.org/abstracts/search?q=Kamal%20Thilakasiri"> Kamal Thilakasiri</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Preventing money laundering and terrorist financing is a major national and international problem today. Several attempts have been made to prevent money laundering by national and international dimension. These are often counteracted by the multi dynamic nature of the crimes. However, launders are often to use remittance systems to clean their ill-gotten money. This study presents the role of domestic financial institutions and the effective practices and actions should implement within domestic financial institutions to control and prevent financial crimes. This thesis highlights the progress that is required to prevent money laundering and terrorist financing, further it is an original contribution to the knowledge in an under researched field in Sri Lanka. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title="money laundering">money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=terrorists%20financing" title=" terrorists financing"> terrorists financing</a>, <a href="https://publications.waset.org/abstracts/search?q=financial%20institutions" title=" financial institutions"> financial institutions</a>, <a href="https://publications.waset.org/abstracts/search?q=regulatory%20bodies" title=" regulatory bodies "> regulatory bodies </a> </p> <a href="https://publications.waset.org/abstracts/104376/anti-money-laundering-and-countering-of-terrorist-financing-the-role-of-domestic-financial-institutions-to-prevent-money-laundering" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/104376.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">230</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2177</span> Forensic Investigation: The Impact of Biometric-Based Solution in Combatting Mobile Fraud</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mokopane%20Charles%20%20Marakalala">Mokopane Charles Marakalala</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Research shows that mobile fraud has grown exponentially in South Africa during the lockdown caused by the COVID-19 pandemic. According to the South African Banking Risk Information Centre (SABRIC), fraudulent online banking and transactions resulted in a sharp increase in cybercrime since the beginning of the lockdown, resulting in a huge loss to the banking industry in South Africa. While the Financial Intelligence Centre Act, 38 of 2001, regulate financial transactions, it is evident that criminals are making use of technology to their advantage. Money-laundering ranks among the major crimes, not only in South Africa but worldwide. This paper focuses on the impact of biometric-based solutions in combatting mobile fraud at the South African Risk Information. SABRIC had the challenges of a successful mobile fraud; cybercriminals could hijack a mobile device and use it to gain access to sensitive personal data and accounts. Cybercriminals are constantly looting the depths of cyberspace in search of victims to attack. Millions of people worldwide use online banking to do their regular bank-related transactions quickly and conveniently. This was supported by the SABRIC, who regularly highlighted incidents of mobile fraud, corruption, and maladministration in SABRIC, resulting in a lack of secure their banking online; they are vulnerable to falling prey to fraud scams such as mobile fraud. Criminals have made use of digital platforms since the development of technology. In 2017, 13 438 instances involving banking apps, internet banking, and mobile banking caused the sector to suffer gross losses of more than R250,000,000. The final three parties are forced to point fingers at one another while the fraudster makes off with the money. A non-probability sampling (purposive sampling) was used in selecting these participants. These included telephone calls and virtual interviews. The results indicate that there is a relationship between remote online banking and the increase in money-laundering as the system allows transactions to take place with limited verification processes. This paper highlights the significance of considering the development of prevention mechanisms, capacity development, and strategies for both financial institutions as well as law enforcement agencies in South Africa to reduce crime such as money-laundering. The researcher recommends that strategies to increase awareness for bank staff must be harnessed through the provision of requisite training and to be provided adequate training. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=biometric-based%20solution" title="biometric-based solution">biometric-based solution</a>, <a href="https://publications.waset.org/abstracts/search?q=investigation" title=" investigation"> investigation</a>, <a href="https://publications.waset.org/abstracts/search?q=cybercrime" title=" cybercrime"> cybercrime</a>, <a href="https://publications.waset.org/abstracts/search?q=forensic%20investigation" title=" forensic investigation"> forensic investigation</a>, <a href="https://publications.waset.org/abstracts/search?q=fraud" title=" fraud"> fraud</a>, <a href="https://publications.waset.org/abstracts/search?q=combatting" title=" combatting"> combatting</a> </p> <a href="https://publications.waset.org/abstracts/163189/forensic-investigation-the-impact-of-biometric-based-solution-in-combatting-mobile-fraud" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/163189.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">101</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2176</span> Financial Technology: The Key to Achieving Financial Inclusion in Developing Countries Post COVID-19 from an East African Perspective</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Yosia%20Mulumba">Yosia Mulumba</a>, <a href="https://publications.waset.org/abstracts/search?q=Klaus%20Schmidt"> Klaus Schmidt</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Financial Inclusion is considered a key pillar for development in most countries around the world. Access to affordable financial services in a country’s economy can be a driver to overcome poverty and reduce income inequalities, and thus increase economic growth. Nevertheless, the number of financially excluded populations in developing countries continues to be very high. This paper explores the role of Financial Technology (Fintech) as a key driver for achieving financial inclusion in developing countries post the COVID-19 pandemic with an emphasis on four East African countries: Kenya, Tanzania, Uganda, and Rwanda. The research paper is inspired by the positive disruption caused by the pandemic, which has compelled societies in East Africa to adapt and embrace the use of financial technology innovations, specifically Mobile Money Services (MMS), to access financial services. MMS has been further migrated and integrated with other financial technology innovations such as Mobile Banking, Micro Savings, and Loans, and Insurance, to mention but a few. These innovations have been adopted across key sectors such as commerce, health care, or agriculture. The research paper will highlight the Mobile Network Operators (MNOs) that are behind MMS, along with numerous innovative products and services being offered to the customers. It will also highlight the regulatory framework under which these innovations are being governed to ensure the safety of the customers' funds. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=financial%20inclusion" title="financial inclusion">financial inclusion</a>, <a href="https://publications.waset.org/abstracts/search?q=financial%20technology" title=" financial technology"> financial technology</a>, <a href="https://publications.waset.org/abstracts/search?q=regulatory%20framework" title=" regulatory framework"> regulatory framework</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20money%20services" title=" mobile money services"> mobile money services</a> </p> <a href="https://publications.waset.org/abstracts/130992/financial-technology-the-key-to-achieving-financial-inclusion-in-developing-countries-post-covid-19-from-an-east-african-perspective" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/130992.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">146</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2175</span> The Link between Money Market and Economic Growth in Nigeria: Vector Error Correction Model Approach</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Uyi%20Kizito%20Ehigiamusoe">Uyi Kizito Ehigiamusoe </a> </p> <p class="card-text"><strong>Abstract:</strong></p> The paper examines the impact of money market on economic growth in Nigeria using data for the period 1980-2012. Econometrics techniques such as Ordinary Least Squares Method, Johanson’s Co-integration Test and Vector Error Correction Model were used to examine both the long-run and short-run relationship. Evidence from the study suggest that though a long-run relationship exists between money market and economic growth, but the present state of the Nigerian money market is significantly and negatively related to economic growth. The link between the money market and the real sector of the economy remains very weak. This implies that the market is not yet developed enough to produce the needed growth that will propel the Nigerian economy because of several challenges. It was therefore recommended that government should create the appropriate macroeconomic policies, legal framework and sustain the present reforms with a view to developing the market so as to promote productive activities, investments, and ultimately economic growth. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=economic%20growth" title="economic growth">economic growth</a>, <a href="https://publications.waset.org/abstracts/search?q=investments" title=" investments"> investments</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20market" title=" money market"> money market</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20market%20challenges" title=" money market challenges"> money market challenges</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20market%20instruments" title=" money market instruments"> money market instruments</a> </p> <a href="https://publications.waset.org/abstracts/3189/the-link-between-money-market-and-economic-growth-in-nigeria-vector-error-correction-model-approach" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/3189.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">344</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2174</span> Challenges in Multi-Cloud Storage Systems for Mobile Devices</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Rajeev%20Kumar%20Bedi">Rajeev Kumar Bedi</a>, <a href="https://publications.waset.org/abstracts/search?q=Jaswinder%20Singh"> Jaswinder Singh</a>, <a href="https://publications.waset.org/abstracts/search?q=Sunil%20Kumar%20Gupta"> Sunil Kumar Gupta</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The demand for cloud storage is increasing because users want continuous access their data. Cloud Storage revolutionized the way how users access their data. A lot of cloud storage service providers are available as DropBox, G Drive, and providing limited free storage and for extra storage; users have to pay money, which will act as a burden on users. To avoid the issue of limited free storage, the concept of Multi Cloud Storage introduced. In this paper, we will discuss the limitations of existing Multi Cloud Storage systems for mobile devices. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=cloud%20storage" title="cloud storage">cloud storage</a>, <a href="https://publications.waset.org/abstracts/search?q=data%20privacy" title=" data privacy"> data privacy</a>, <a href="https://publications.waset.org/abstracts/search?q=data%20security" title=" data security"> data security</a>, <a href="https://publications.waset.org/abstracts/search?q=multi%20cloud%20storage" title=" multi cloud storage"> multi cloud storage</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20devices" title=" mobile devices"> mobile devices</a> </p> <a href="https://publications.waset.org/abstracts/68072/challenges-in-multi-cloud-storage-systems-for-mobile-devices" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/68072.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">699</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2173</span> Toward a Re-Definition of Mobile Learning</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mirna%20Diab">Mirna Diab</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Mobile learning, or M-learning, drives the development of new teaching, learning, and assessment strategies in schools and colleges. With initiatives across states, districts, and institutions, the United States leads mobile learning, significantly impacting education. Since 2010, over 2,3 million American pupils have received their education via mobile devices, demonstrating its rapid expansion. Nonetheless, mobile learning lacks a consistent and explicit definition that helps educators, students, and stakeholders grasp its essence and implement it effectively. This article addresses the need for a revised definition by introducing readers to various mobile learning concepts and understandings. It seeks to raise awareness, clarify, and encourage making well-informed decisions regarding its incorporation as a potent learning tool. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20learning" title="mobile learning">mobile learning</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20pedagogy" title=" mobile pedagogy"> mobile pedagogy</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20technological%20devices" title=" mobile technological devices"> mobile technological devices</a>, <a href="https://publications.waset.org/abstracts/search?q=learner%20mobility" title=" learner mobility"> learner mobility</a> </p> <a href="https://publications.waset.org/abstracts/169586/toward-a-re-definition-of-mobile-learning" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/169586.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">67</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2172</span> Preventing Corruption in Dubai: Governance, Contemporary Strategies and Systemic Flaws</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Graham%20Brooks">Graham Brooks</a>, <a href="https://publications.waset.org/abstracts/search?q=Belaisha%20Bin%20Belaisha"> Belaisha Bin Belaisha</a>, <a href="https://publications.waset.org/abstracts/search?q=Hakkyong%20Kim"> Hakkyong Kim </a> </p> <p class="card-text"><strong>Abstract:</strong></p> The problem of preventing and/or reducing corruption is a major international problem. This paper, however, specifically focuses on how organisations in Dubai are tackling the problem of money laundering. This research establishes that Dubai has a clear international anti-money laundering framework but suffers from some national weaknesses such as diverse anti-money laundering working practice, lack of communication, sharing information and disparate organisational vested self-interest. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=corruption" title="corruption">corruption</a>, <a href="https://publications.waset.org/abstracts/search?q=governance" title=" governance"> governance</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title=" money laundering"> money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=prevention" title=" prevention"> prevention</a>, <a href="https://publications.waset.org/abstracts/search?q=strategies" title=" strategies"> strategies</a> </p> <a href="https://publications.waset.org/abstracts/20384/preventing-corruption-in-dubai-governance-contemporary-strategies-and-systemic-flaws" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/20384.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">273</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2171</span> Money Laundering and Financing of Terrorism</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Covadonga%20Mallada%20Fern%C3%A1ndez">Covadonga Mallada Fernández</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Economic development and globalization of international markets have created a favourable atmosphere for the emergence of new forms of crime such as money laundering or financing of terrorism, which may contribute to destabilized and damage economic systems. In particular, money laundering have acquired great importance since the 11S attacks, what has caused on the one hand, the establishment and development of preventive measures and, on the other hand, a progressive hardening of penal measures. Since then, the regulations imposed to fight against money laundering have been viewed as key components also in the fight against terrorist financing. Terrorism, at the beginning, was a “national” crime connected with internal problems of the State (for instance the RAF in Germany or ETA in Spain) but in the last 20 years has started to be an international problem that is connected with the defence and security of the States. Therefore, the new strategic concept for the defense and security of NATO has a comprehensive list of security threats to the Alliance, such as terrorism, international instability, money laundering or attacks on cyberspace, among others. With this new concept, money laundering and terrorism has become a priority in the national defense. In this work we will analyze the methods to combat these new threats to the national security. We will study the preventive legislations to combat money laundering and financing of terrorism, the UIF that exchange information between States, and the hawala-Banking. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=control%20of%20financial%20flows" title="control of financial flows">control of financial flows</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title=" money laundering"> money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=terrorism" title=" terrorism"> terrorism</a>, <a href="https://publications.waset.org/abstracts/search?q=financing%20of%20terrorism" title=" financing of terrorism"> financing of terrorism</a> </p> <a href="https://publications.waset.org/abstracts/8545/money-laundering-and-financing-of-terrorism" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/8545.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">454</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2170</span> Role of Authorized Agencies to Combat Financial Crime in Bangladesh</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Khan%20Sarfaraz">Khan Sarfaraz</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Ali%20Mia"> Mohammad Ali Mia</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Money laundering and other financial crime have become a global threat in recent years, impacting both developed and poor countries. In developing countries like Bangladesh, it is more difficult to combat financial crime than in developing countries because of the inadequate regulatory environment and vulnerable financial system. Bangladesh's central bank issues guidelines to facilitate the implementation of the prevention of the money laundering act. According to the guideline of Bangladesh Bank, all financial institution has to develop anti-money laundering policy to ensure the safety and soundness of their institutions. The paper aims to focus on the role of authorized agencies in combating financial crime. In this paper, the latest trends in financial crimes have been discussed from global and Asian perspectives. The preventive measures for money laundering and other financial crimes have been discussed elaborately. So far, financial crime is a sophisticated and dynamic crime, and criminals continuously took innovative processes to use the financial system to launder money. The study will take a step in pointing out new techniques, effects and challenges of financial crime in Bangladesh. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=financial%20crime" title="financial crime">financial crime</a>, <a href="https://publications.waset.org/abstracts/search?q=illegal%20money%20transfer" title=" illegal money transfer"> illegal money transfer</a>, <a href="https://publications.waset.org/abstracts/search?q=online%20gambling" title=" online gambling"> online gambling</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title=" money laundering"> money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=authorized%20agencies" title=" authorized agencies"> authorized agencies</a> </p> <a href="https://publications.waset.org/abstracts/163733/role-of-authorized-agencies-to-combat-financial-crime-in-bangladesh" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/163733.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">77</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2169</span> The Effect of Mobile Technology Use in Education: A Meta-Analysis Study</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=%C5%9Eirin%20K%C3%BC%C3%A7%C3%BCk">Şirin Küçük</a>, <a href="https://publications.waset.org/abstracts/search?q=Ay%C5%9Fe%20K%C3%B6k"> Ayşe Kök</a>, <a href="https://publications.waset.org/abstracts/search?q=%C4%B0smail%20%C5%9Eahin"> İsmail Şahin</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Mobile devices are very popular and useful tools for assisting people in daily life. With the advancement of mobile technologies, the issue of mobile learning has been widely investigated in education. Many researches consider that it is important to integrate pedagogical and technical strengths of mobile technology into learning environments. For this reason, the purpose of this research is to examine the effect of mobile technology use in education with meta-analysis method. Meta-analysis is a statistical technique which combines the findings of independent studies in a specific subject. In this respect, the articles will be examined by searching the databases for researches which are conducted between 2005 and 2014. It is expected that the results of this research will contribute to future research related to mobile technology use in education. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20learning" title="mobile learning">mobile learning</a>, <a href="https://publications.waset.org/abstracts/search?q=meta-analysis" title=" meta-analysis"> meta-analysis</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20technology" title=" mobile technology"> mobile technology</a>, <a href="https://publications.waset.org/abstracts/search?q=education" title=" education"> education</a> </p> <a href="https://publications.waset.org/abstracts/20062/the-effect-of-mobile-technology-use-in-education-a-meta-analysis-study" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/20062.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">721</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2168</span> Accelerating Mobile Innovation, Adoption, and Translational Science within a Large Research Enterprise and Healthcare System</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Stephen%20Wheat">Stephen Wheat</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Institutional mobile application governance and distribution processes are essential to mobile app innovation. The absence of effective processes poses a significant barrier to the development and adoption of mobile apps for use within a research enterprise and also impedes the translational science of applying research apps in clinical and engineering settings. To accelerate mobile app innovation and adoption, Emory University and Emory Healthcare implemented a three-pronged strategy including. I) Mobile app review and distribution policies and processes. II) Mobile app management infrastructure and mobile app foundation components. III) A strategic sourcing strategy based on preferred mobile app development firms. The results have been an increase from five to 56 mobile apps in the pipeline over three years; increased engagement from technology transfer, legal counsel, compliance, and information security; articulation of a coordinated mobile app strategy; and allocation of more institutional resources toward specific mobile technology and mobile application goals. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20app%20management" title="mobile app management">mobile app management</a>, <a href="https://publications.waset.org/abstracts/search?q=governance" title=" governance"> governance</a>, <a href="https://publications.waset.org/abstracts/search?q=distribution" title=" distribution"> distribution</a>, <a href="https://publications.waset.org/abstracts/search?q=information%20security" title=" information security"> information security</a> </p> <a href="https://publications.waset.org/abstracts/61884/accelerating-mobile-innovation-adoption-and-translational-science-within-a-large-research-enterprise-and-healthcare-system" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/61884.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">299</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2167</span> The Intention to Use E-Money Transaction: The Moderating Effect of Security in Conceptual Frammework</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Husnil%20Khatimah">Husnil Khatimah</a>, <a href="https://publications.waset.org/abstracts/search?q=Fairol%20Halim"> Fairol Halim</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This research examines the moderating impact of security on intention to use e-money that adapted from some variables of the TAM (Technology Acceptance Model) and TPB (Theory of Planned Behavior). This study will use security as moderating variable and finds these relationship depends on customer intention to use e-money as payment tools. The conceptual framework of e-money transactions was reviewed to understand behavioral intention of consumers from perceived usefulness, perceived ease of use, perceived behavioral control and security. Quantitative method will be utilized as sources of data collection. A total of one thousand respondents will be selected using quota sampling method in Medan, Indonesia. Descriptive analysis and Multiple Regression analysis will be conducted to analyze the data. The article ended with suggestion for future studies. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=e-money%20transaction" title="e-money transaction">e-money transaction</a>, <a href="https://publications.waset.org/abstracts/search?q=TAM%20%26%20TPB" title=" TAM & TPB"> TAM & TPB</a>, <a href="https://publications.waset.org/abstracts/search?q=moderating%20variable" title=" moderating variable"> moderating variable</a>, <a href="https://publications.waset.org/abstracts/search?q=behavioral%20intention" title=" behavioral intention"> behavioral intention</a>, <a href="https://publications.waset.org/abstracts/search?q=conceptual%20paper" title=" conceptual paper"> conceptual paper</a> </p> <a href="https://publications.waset.org/abstracts/8497/the-intention-to-use-e-money-transaction-the-moderating-effect-of-security-in-conceptual-frammework" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/8497.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">454</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2166</span> An Intercontinental Comparison of Delay Discounting for Real and Hypothetical Money and Cigarettes among Cigarette Smokers</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Steven%20R.%20Lawyer">Steven R. Lawyer</a>, <a href="https://publications.waset.org/abstracts/search?q=Tereza%20Prihodova"> Tereza Prihodova</a>, <a href="https://publications.waset.org/abstracts/search?q=Katerina%20Prihodova"> Katerina Prihodova</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Delay discounting (DD) is one of the most frequently used behavioral-economic measures of impulsive choice, but there are few cross-cultural comparisons of discounting, and to the best of our knowledge, none compare patterns of DD across different commodities or compare real and hypothetical rewards across cultures. The purpose of this study was to compare patterns of DD for both real and hypothetical money and cigarettes among participants in the USA and the Czech Republic. Adult smokers from the United States and the Czech Republic completed standard measures of DD for hypothetical and real money (~$10USD) and cigarettes (1 pack, or 20 cigarettes). Contrary to data from the USA sample, Czech Republic participants discounted the value of real money steeper than hypothetical money, though this could be related to the relatively poor fit of the hyperbolic decay function to DD for hypothetical money in the Czech sample. These findings suggest that there might be cultural differences in delay discounting that warrant further attention. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=delay%20discounting" title="delay discounting">delay discounting</a>, <a href="https://publications.waset.org/abstracts/search?q=temporal%20discounting" title=" temporal discounting"> temporal discounting</a>, <a href="https://publications.waset.org/abstracts/search?q=cigarette%20smoking" title=" cigarette smoking"> cigarette smoking</a>, <a href="https://publications.waset.org/abstracts/search?q=real%20rewards" title=" real rewards"> real rewards</a>, <a href="https://publications.waset.org/abstracts/search?q=hypothetical%20rewards" title=" hypothetical rewards"> hypothetical rewards</a> </p> <a href="https://publications.waset.org/abstracts/102136/an-intercontinental-comparison-of-delay-discounting-for-real-and-hypothetical-money-and-cigarettes-among-cigarette-smokers" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/102136.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">188</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2165</span> Data Mining Techniques for Anti-Money Laundering</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=M.%20Sai%20Veerendra">M. Sai Veerendra</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Today, money laundering (ML) poses a serious threat not only to financial institutions but also to the nation. This criminal activity is becoming more and more sophisticated and seems to have moved from the cliché of drug trafficking to financing terrorism and surely not forgetting personal gain. Most of the financial institutions internationally have been implementing anti-money laundering solutions (AML) to fight investment fraud activities. However, traditional investigative techniques consume numerous man-hours. Recently, data mining approaches have been developed and are considered as well-suited techniques for detecting ML activities. Within the scope of a collaboration project on developing a new data mining solution for AML Units in an international investment bank in Ireland, we survey recent data mining approaches for AML. In this paper, we present not only these approaches but also give an overview on the important factors in building data mining solutions for AML activities. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=data%20mining" title="data mining">data mining</a>, <a href="https://publications.waset.org/abstracts/search?q=clustering" title=" clustering"> clustering</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title=" money laundering"> money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=anti-money%20laundering%20solutions" title=" anti-money laundering solutions"> anti-money laundering solutions</a> </p> <a href="https://publications.waset.org/abstracts/4768/data-mining-techniques-for-anti-money-laundering" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/4768.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">537</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2164</span> E-Payments, COVID-19 Restrictions, and Currency in Circulation: Thailand and Turkey</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Zeliha%20Sayar">Zeliha Sayar</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Central banks all over the world appear to be focusing first and foremost on retail central bank digital currency CBDC), i.e., digital cash/money. This approach is predicated on the belief that the use of cash has decreased, owing primarily to technological advancements and pandemic restrictions, and that a suitable foundation for the transition to a cashless society has been revealed. This study aims to contribute to the debate over whether digital money/CBDC can be a substitute or supplement to physical cash by examining the potential effects on cash demand. For this reason, this paper compares two emerging countries, Turkey, and Thailand, to demystify the impact of e-payment and COVID-19 restrictions on cash demand by employing fully modified ordinary least squares (FMOLS), dynamic ordinary least squares (DOLS), and the canonical cointegrating regression (CCR). The currency in circulation in two emerging countries, Turkey and Thailand, was examined in order to estimate the elasticity of different types of retail payments. The results demonstrate that real internet and mobile, cart, contactless payment, and e-money are long-term determinants of real cash demand in these two developing countries. Furthermore, with the exception of contactless payments in Turkey, there is a positive relationship between the currency in circulation and the various types of retail payments. According to findings, COVID-19 restrictions encourage the demand for cash, resulting in cash hoarding. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=CCR" title="CCR">CCR</a>, <a href="https://publications.waset.org/abstracts/search?q=DOLS" title=" DOLS"> DOLS</a>, <a href="https://publications.waset.org/abstracts/search?q=e-money" title=" e-money"> e-money</a>, <a href="https://publications.waset.org/abstracts/search?q=FMOLS" title=" FMOLS"> FMOLS</a>, <a href="https://publications.waset.org/abstracts/search?q=real%20cash" title=" real cash"> real cash</a> </p> <a href="https://publications.waset.org/abstracts/150227/e-payments-covid-19-restrictions-and-currency-in-circulation-thailand-and-turkey" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/150227.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">105</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2163</span> Mobile Agent Security Using Reference Monitor Based Security Framework</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Sandhya%20Armoogum">Sandhya Armoogum</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In distributed systems and in open systems such as the Internet, often mobile code has to run on unknown and potentially hostile hosts. Mobile code such as a mobile agent is vulnerable when executing on remote hosts. The mobile agent may be subjected to various attacks such as tampering, inspection, and replay attack by a malicious host. Much research has been done to provide solutions for various security problems, such as authentication of mobile agent and hosts, integrity and confidentiality of the data carried by the mobile agent. Many of such proposed solutions in literature are not suitable for open systems whereby the mobile code arrives and executes on a host which is not known and trusted by the mobile agent owner. In this paper, we propose the adoption of the reference monitor by hosts in an open system for providing trust and security for mobile code execution. A secure protocol for the distribution of the reference monitor entity is described. This reference monitor entity on the remote host may also provide several security services such as authentication and integrity to the mobile code. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=security" title="security">security</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20agents" title=" mobile agents"> mobile agents</a>, <a href="https://publications.waset.org/abstracts/search?q=reference%20monitor" title=" reference monitor"> reference monitor</a>, <a href="https://publications.waset.org/abstracts/search?q=trust" title=" trust"> trust</a> </p> <a href="https://publications.waset.org/abstracts/31788/mobile-agent-security-using-reference-monitor-based-security-framework" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/31788.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">440</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2162</span> A Proposal to Mobile Payment Implementing 2AF+</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nael%20Hirzallah">Nael Hirzallah</a>, <a href="https://publications.waset.org/abstracts/search?q=Sana%20Nseir"> Sana Nseir</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Merchants are competing to offer the use of mobile payment to encourage shopping. many mobile payment systems were made available in various locations worldwide; however, they have various drawbacks. This paper proposes a new mobile payment system that discusses the main drawbacks of these systems, namely security and speed of transaction. The proposal is featured by being simple to use by customers and merchants. Furthermore, the proposed system depends on a new authentication factor that is introduced in this paper and called by Two-Factors Authentication Plus, (2FA+). <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=electronic%20commerce" title="electronic commerce">electronic commerce</a>, <a href="https://publications.waset.org/abstracts/search?q=payment%20schemes" title=" payment schemes"> payment schemes</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20payment" title=" mobile payment"> mobile payment</a>, <a href="https://publications.waset.org/abstracts/search?q=authentication%20factors" title=" authentication factors"> authentication factors</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20applications" title=" mobile applications"> mobile applications</a> </p> <a href="https://publications.waset.org/abstracts/1572/a-proposal-to-mobile-payment-implementing-2af" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/1572.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">286</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2161</span> From Al Capone to Silk Road: Money Laundering Regulation for Cryptocurrency on the Horizon</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Chinelle%20van%20der%20Westhuizen">Chinelle van der Westhuizen</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The introduction of cryptocurrencies as an alternative payment system have placed governments in a challenging position in relation to the regulatory status of cryptocurrencies and the money laundering activities associated with it. In April 2018, the Australian government amended its Anti-Money Laundering laws to regulate digital currency exchanges in an attempt to regulate money laundering activities and the introduction of ‘know-your-customer’ policies within the digital currency sector. Part one of this paper explores the use of cryptocurrencies for money laundering purposes and its significance to money launderers. Part two studies the efficacy of the current Australian Anti-Money Laundering laws and whether more can be done on a regulatory level. This paper will, therefore, highlight recent court decisions and legislation in terms of money laundering activities within these alternative payment systems in Australia and the United Kingdom. Part three of the paper will further analyze recent case studies by the Australian Transaction Reports and Analysis Centre and the Office for Professional Body Anti-Money Laundering Supervision in the United Kingdom as the regulatory bodies for money laundering activities. The case studies and research will explore the legal disputes and future regulation concerning the use of cryptocurrencies and money laundering on a national as well as international level. This paper intends to highlight that although cryptocurrency is viewed as an innovative global phenomenon and an alternative method of payment, there are a number of legal issues associated with its use that indicate the need for regulatory reform. It is recommended in this paper that the Financial Action Task Force, International Monetary Fund as well as concerned governments have ongoing discussions on these regulatory issues and how to address it appropriately, whether through legislation or universal guidelines. Therefore, the conclusion of this paper will emphasize the benefits of a regulatory regime for money laundering activities within the cryptocurrency space and that the lack of such a regime may be detrimental to countries. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=cryptocurrency" title="cryptocurrency">cryptocurrency</a>, <a href="https://publications.waset.org/abstracts/search?q=know-your-customer%20policy" title=" know-your-customer policy"> know-your-customer policy</a>, <a href="https://publications.waset.org/abstracts/search?q=money%20laundering" title=" money laundering"> money laundering</a>, <a href="https://publications.waset.org/abstracts/search?q=regulation" title=" regulation"> regulation</a> </p> <a href="https://publications.waset.org/abstracts/98481/from-al-capone-to-silk-road-money-laundering-regulation-for-cryptocurrency-on-the-horizon" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/98481.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">157</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2160</span> Mobile Payment over NFC: The M-Check System Case</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Karima%20Maazouz">Karima Maazouz</a>, <a href="https://publications.waset.org/abstracts/search?q=Habib%20Benlahmer"> Habib Benlahmer</a>, <a href="https://publications.waset.org/abstracts/search?q=Naceur%20Achtaich"> Naceur Achtaich</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The realization of mobile payments will make possible new and unforeseen ways of convenience and m-commerce. Mobile payment today benefit from technology and trends. NFC technology is creating a new era of contactless mobile payment. the “M-check” is a mobile payment system provides a new way facilitating transaction with high valued payment and enable new m-commerce. The objective of the paper is to propose a new solution for m-payment. The proposed combination of m-check system and NFC offers acceptable security for payment mobile, client’s satisfaction, and simplifies the process payment between clients and merchants. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=M-payment" title="M-payment">M-payment</a>, <a href="https://publications.waset.org/abstracts/search?q=NFC" title=" NFC"> NFC</a>, <a href="https://publications.waset.org/abstracts/search?q=M-check" title=" M-check"> M-check</a>, <a href="https://publications.waset.org/abstracts/search?q=M-commerce" title=" M-commerce"> M-commerce</a>, <a href="https://publications.waset.org/abstracts/search?q=security" title=" security"> security</a> </p> <a href="https://publications.waset.org/abstracts/20466/mobile-payment-over-nfc-the-m-check-system-case" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/20466.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">598</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2159</span> Secure Mobile E-Business Applications</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Hala%20A.%20Alrumaih">Hala A. Alrumaih</a> </p> <p class="card-text"><strong>Abstract:</strong></p> It is widely believed that mobile device is a promising technology for lending the opportunity for the third wave of electronic commerce. Mobile devices have changed the way companies do business. Many applications are under development or being incorporated into business processes. In this day, mobile applications are a vital component of any industry strategy. One of the greatest benefits of selling merchandise and providing services on a mobile application is that it widens a company’s customer base significantly. Mobile applications are accessible to interested customers across regional and international borders in different electronic business (e-business) area. But there is a dark side to this success story. The security risks associated with mobile devices and applications are very significant. This paper introduces a broad risk analysis for the various threats, vulnerabilities, and risks in mobile e-business applications and presents some important risk mitigation approaches. It reviews and compares two different frameworks for security assurance in mobile e-business applications. Based on the comparison, the paper suggests some recommendations for applications developers and business owners in mobile e-business application development process. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=e-business" title="e-business">e-business</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20applications" title=" mobile applications"> mobile applications</a>, <a href="https://publications.waset.org/abstracts/search?q=risk%20mitigations" title=" risk mitigations"> risk mitigations</a>, <a href="https://publications.waset.org/abstracts/search?q=security%20assurance" title=" security assurance"> security assurance</a> </p> <a href="https://publications.waset.org/abstracts/16632/secure-mobile-e-business-applications" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/16632.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">295</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2158</span> Behavioral Pattern of 2G Mobile Internet Subscribers: A Study on an Operator of Bangladesh</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Azfar%20Adib">Azfar Adib</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Like many other countries of the world, mobile internet has been playing a key role in the growth of internet subscriber base in Bangladesh. This study has attempted to identify particular behavioral or usage patterns of 2G mobile internet subscribers who were using the service of the topmost internet service provider (as well as the top mobile operator) of Bangladesh prior to the launching of 3G services (when 2G was fully dominant). It contains some comprehensive analysis carried on different info regarding 2G mobile internet subscribers, obtained from the operator’s own network insights.This is accompanied by the results of a survey conducted among 40 high-frequency users of this service. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20internet" title="mobile internet">mobile internet</a>, <a href="https://publications.waset.org/abstracts/search?q=Symbian" title=" Symbian"> Symbian</a>, <a href="https://publications.waset.org/abstracts/search?q=Android" title=" Android"> Android</a>, <a href="https://publications.waset.org/abstracts/search?q=iPhone" title=" iPhone"> iPhone</a> </p> <a href="https://publications.waset.org/abstracts/66690/behavioral-pattern-of-2g-mobile-internet-subscribers-a-study-on-an-operator-of-bangladesh" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/66690.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">438</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2157</span> Managers’ Mobile Information Behavior in an Openness Paradigm Era</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Abd%20Latif%20Abdul%20Rahman">Abd Latif Abdul Rahman</a>, <a href="https://publications.waset.org/abstracts/search?q=Zuraidah%20Arif"> Zuraidah Arif</a>, <a href="https://publications.waset.org/abstracts/search?q=Muhammad%20Faizal%20Iylia"> Muhammad Faizal Iylia</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohd%20Ghazali"> Mohd Ghazali</a>, <a href="https://publications.waset.org/abstracts/search?q=Asmadi%20Mohammed%20Ghazali"> Asmadi Mohammed Ghazali</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Mobile information is a significant access point for human information activities. Theories and models of human information behavior have developed over several decades but have not yet considered the role of the user’s computing device in digital information interactions. This paper reviews the literature that leads to developing a conceptual framework of a study on the managers mobile information behavior. Based on the literature review, dimensions of mobile information behavior are identified, namely, dimension information needs, dimension information access, information retrieval and dimension of information use. The study is significant to understand the nature of librarians’ behavior in searching, retrieving and using information via the mobile device. Secondly, the study would provide suggestions about various kinds of mobile applications which organization can provide for their staff to improve their services. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=mobile%20information%20behavior" title="mobile information behavior">mobile information behavior</a>, <a href="https://publications.waset.org/abstracts/search?q=information%20behavior" title=" information behavior"> information behavior</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20information" title=" mobile information"> mobile information</a>, <a href="https://publications.waset.org/abstracts/search?q=mobile%20devices" title=" mobile devices"> mobile devices</a> </p> <a href="https://publications.waset.org/abstracts/45724/managers-mobile-information-behavior-in-an-openness-paradigm-era" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/45724.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">349</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">2156</span> Money as Motivation Amongst Industrial Sales People in Nigeria</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mahmoud%20Rufai%20Mahmoud">Mahmoud Rufai Mahmoud</a> </p> <p class="card-text"><strong>Abstract:</strong></p> A look at existing literature on sales force motivation reveals lack of consensus on the role monetary rewards play in motivating salespeople. In view of the apparent contradiction inherent in the literature, it follows perhaps, chat sales managers are faced with the dilemma of what role to assign to monetary incentives in the scheme of motivating salespeople. This study investigated the perception of industrial salespeople on the role of money as a motivator. The result shows that salespeople believe that money is an important motivator whose power of motivation is influenced by a complex function of economic, social and psychological variables. Based on the findings, if is recommended that managers need different types of rewards to achieve a given level of motivation. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=motivation" title="motivation">motivation</a>, <a href="https://publications.waset.org/abstracts/search?q=salespeople" title=" salespeople"> salespeople</a>, <a href="https://publications.waset.org/abstracts/search?q=money" title=" money"> money</a>, <a href="https://publications.waset.org/abstracts/search?q=Nigeria" title=" Nigeria"> Nigeria</a> </p> <a href="https://publications.waset.org/abstracts/18176/money-as-motivation-amongst-industrial-sales-people-in-nigeria" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/18176.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">349</span> </span> </div> 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