簡易檢索 / 詳目顯示

回結果列表
研究生： 艾雷傑
Escobar, Gian Reggie
論文名稱： 次級銀行用戶的金融服務：在加勒比地區導入信任導向的行動金融支付系統
Banking the Underbanked: an implementation of a trust-oriented mobile money payment system in the Caribbean
指導教授： 雷松亞
Ray, Soumya
口試委員: 林哲群
Lin, Che-Chun
王俊程
Wang, Jyun-Cheng
學位類別： 碩士
Master
系所名稱： 科技管理學院 - 國際專業管理碩士班
International Master of Business Administration(IMBA)
論文出版年： 2018
畢業學年度： 106
語文別： 英文
論文頁數： 80
中文關鍵詞： 區塊鏈 、創新商業模式 、領域驅動設計 、金融系統 、行動數位支付 、信任導向行動支付系統
外文關鍵詞： blockchain, business model innovation, domain driven design, financial system, mobile digital payments, trust-oriented mobile payment system
相關次數： 點閱：3  下載：0 
分享至:
查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報

    • 本論文旨為加勒比地區導入可信的行動金融支付系統以及套用區塊鏈技術的行動支付系統解決現今眾多議題。探討如何在新興經濟體，藉由結合三項成功的商業模式，創建出一套在行動支付及對等式數位金錢傳輸產業(P2P digital money transfer industry)中，轉型且成功的商業模式。介紹如何應用業務流程模型和標記法(BPMN)來設計此行動應用程式及辨識使用者經驗過程(UX interactions)。此外，圖解詳加說明此新商業模式系統中，所應用的資訊科技體系結構、軟件開發、以及資訊安全保護系統及使用者資料保護系統。展示如何結合區塊鏈技術與現代金融支付系統。

    This paper aims takes a first step in attempting to implement a trust-oriented mobile money payment system for the Caribbean and solves the current issues with mobile payment systems that use Blockchain. It discusses how we can achieve Business Model Innovation by combining three successful business models in the mobile payments and P2P digital money transfer industry and produce a new business model that adapts with emerging economies. Furthermore, it introduces a mobile app and how we can use the BPMN to design it and identify UX interactions points. In addition, it illustrates the type of IT architecture and software development design to use for a system that will adapt in conjunction with the new business model, while also discussing the type of security that would protect the IT architecture and user’s data. It also demonstrates how we can integrate Blockchain in a modern payment system.

    ABSTRACT 2 ACKNOWLEDGMENTS 3 LIST OF FIGURES 4 TABLE OF CONTENT 6 CHAPTER 1 - INTRODUCTION 10 CHAPTER 2 - BACKGROUND OF THE CARIBBEAN MARKET 11 CHAPTER 3 - BUSINESS MODEL INNOVATION 13 3.1 Status Quo 13 3.2 Combining different business models 15 3.2.1 M-Pesa’s key business model canvas key points 16 3.2.2 TransferWise’s key business model canvas points 19 3.2.3 AliPay’s key business model canvas points 21 3.2.4 A combination of three business models 23 3.3 Business model canvas of Proposed Solution (Oblip) 23 3.3.1 Customer Segments 25 3.3.2 Value Propositions 25 3.3.3 Channels 26 3.3.4 Customer Relationship 26 3.3.5 Revenue Stream 27 3.3.6 Key Resources 28 3.3.7 Key Activities 29 3.3.8 Key Partnerships 29 3.3.9 Cost Structures 29 3.4 Overview of Oblip 30 CHAPTER 4 - MOBILE APP AND SERVICE 31 4.1. Key Features 32 4.2 Main Components 33 4.2.1 Blockchain Account Management (Vault) 33 4.2.2 Fund Accounts 34 4.2.3 Contact Management 36 4.2.4 Quick Response Tool 38 4.2.5 Blockchain P2P Transaction (Request and Payments) 40 4.2.6 Secure KYC Document Management 42 4.2.7 Bank Account Management 44 4.2.8 Liquidation Management 44 4.2.9 Account Recovery (Verification) 45 4.3 UI/UX Flow 46 4.3.1 Signing Up 47 4.3.2 Topping Up using a Bank 48 4.3.3 Withdrawing 48 4.3.4 Creating a Fund Account 49 4.3.5 Creating a Transaction 49 4.4 Business Process Model and Notation 50 4.4.1 Fiat Currency to Digital Money Exchange through a bank (Topup/Reload) 50 4.4.2 Digital Money to Fiat Currency Exchange (Liquidation/Withdrawal) 53 4.4.3 Using QR Codes 55 4.4.3.1 Request Money 55 4.4.3.2 Make Payments through different types of QR Codes 57 4.4.3.3 Adding Contacts 59 CHAPTER 5 - IT ARCHITECTURE 61 5.1 Service Oriented Architecture 61 5.2 Domain Driven Design (DDD) 62 CHAPTER 6 - IT SECURITY 64 6.1 Importance of securing a distributed architecture 64 6.2 CIA Triad 65 6.3 Encoding 66 6.3.1 Base64 66 6.3.2 External Data Representation (XDR) 67 6.4 Tokenization 67 6.4.1 Stateless Authentication 68 6.4.3 One Time Passwords 68 6.4.4 Secure Key Sharing 69 6.4.5 Authorization 69 6.5 Policy Management 70 6.6 Public Key Encryption (Non-repudiation) 71 6.6.1 Digitally Signing Requests 71 6.6.2 Securely Managing Private Keys in Mobile Devices 72 6.7 Blockchain - trust enabler in Financial Systems 73 6.8 Efficient use of Mnemonics and applying it for 3D-Secure 74 6.8.1 Account Recovery 75 6.8.2 Payer Authentication 76 CHAPTER 7 - CONCLUSION 78 REFERENCES 79

    Agrawal, Mohit. “M-Pesa: Transforming Millions of Lives.” Telecom Circle, 19 Jan. 2010, https://www.telecomcircle.com/2010/01/m-pesa/.

    Ai, China Money. “Chinese Official Says Blockchain Projects Globally Had Average Life Span Of 1.22 Years – China Money Network.” China Money Network, 28 May 2018, https://www.chinamoneynetwork.com/2018/05/28/chinese-official-says-blockchain-projects-globally-had-average-life-span-of-1-22-years.

    An Introduction to Domain Driven Design. http://www.methodsandtools.com/archive/archive.php?id=97. Accessed 20 July 2018.

    Caribbean Internet Usage, Telecommunications and Population Statistics. https://www.internetworldstats.com/stats11.htm. Accessed 23 July 2018.

    Hughes, Nick, and Susie Lonie. “M-PESA: Mobile Money for the ‘Unbanked’ Turning Cellphones into 24-Hour Tellers in Kenya.” Innovations: Technology, Governance, Globalization, vol. 2, no. 1-2, 2007, pp. 63–81.

    Microsystems, Sun. XDR: External Data Representation Standard. June 1987, https://tools.ietf.org/html/rfc1014.

    Population of Caribbean (2018) - Worldometers. http://www.worldometers.info/world-population/caribbean-population/. Accessed 23 July 2018.

    Siedersleben, J. "SOA revisited: Component orientation in system landscapes", 2007
    Wirtschaftsinformatik (49:Special Issue), pp. 110–117. Accessed 10 July 2018.

    Firdhous, Mohamed. "Implementation of Security in Distributed Systems – A Comparative
    Study ." International Journal of Computer Information Systems 2.2 (2011): 4.

    (Osterwalder, A., & Pigneur, Y. (2010). Business Model Generation: A Handbook for
    Visionaries, Game Changers, and Challengers Paperback (p. 288). John Wiley and Sons.

    Webster, Karen. “Why It Pays To Be Thick In Mobile Payments.” PYMNTS.com, 23 May 2016.
    27 July 2018, https://www.pymnts.com/news/mobile-payments/2016/why-consumers-dont-use-mobile-payments/.

    Best, Gerard. “Digital skills needed for Caribbean to stay globally competitive”. 15 July 2017.
    25 July 2018, http://www.caribbeannewsnow.com/headline-Digital-skills-needed-for-Caribbean-to-stay-globally-competitive-35066.html.

    Gannamaneni, Avinash, et al. “A Post-Failure Analysis of Mobile Payment Platforms.” 2015
    48th Hawaii International Conference on System Sciences, 2015, doi:10.1109/hicss.2015.141.

    QR CODE