Mobile payments system employing NFC technology under the Android operating system

Authors

  • Jose Luis Cerón Imbachi Universidad del Cauca, Popayán
  • Dario Leonardo Narvaez Jacome Universidad del Cauca, Popayán
  • Gustavo Ramirez Universidad del Cauca, Popayán

DOI:

https://doi.org/10.18046/syt.v13i33.2082

Keywords:

NFC, e-payment, rural development.

Abstract

Today in Colombia most high-cost payments are made electronically. However, frequent and low-cost payments –equivalent to 42,000 million dollars per month–, have experienced just a tiny transition to electronic transfers, due to barriers such as low levels of inclusion, transactional taxes and a highly informal economy. Meanwhile, big companies have developed and implemented the NFC technology in mobile phones for payment systems. Motivated by the facts outlined above, the initiative to develop a proposal for a mobile payments system using NFC technology is gaining strength. This can be applied in areas of low financial inclusion, such as rural areas, basically in support of farming.

Author Biographies

  • Jose Luis Cerón Imbachi, Universidad del Cauca, Popayán
    Currently studying the last semester of Electronic Engineering at the Universidad del Cauca (Popayán, Colombia). He works as a software developer for Seratic Ltda. His current research interests are mobile applications and project management.
  • Dario Leonardo Narvaez Jacome, Universidad del Cauca, Popayán

    Currently studying the last semester of Electronic Engineering at the Universidad del Cauca (Popayán, Colombia). He works as a Human Resources Manager and Software Developer. His current research interests are mobile, Web and hybrid applications using agile development methods. 

  • Gustavo Ramirez, Universidad del Cauca, Popayán

    Received the Engineering degree in Electronic and Telecommunications Engineering in 2001, and his Master Degree in Telematics in 2006, both of them from Universidad del Cauca. Additionally received a Ph.D. in Telematics Engineering from Universidad Carlos III (Madrid, Spain) in 2010. Currently he serves as a teacher and researcher in the Telematic Department at the Universidad del Cauca. He has been part of national and international projects in Colombia and Spain. His current research interests are ubiquitous computing, mobile learning and advanced telecommunications services.

References

Ahora el efectivo y las transacciones bancarias no serán el único medio de pago en Colombia. (2014, April 3). [on-line Mintic]. Retrieved from: http://www.mintic.gov.co/portal/604/w3-article-5882.html

Alonso, J. (2015). Microprestamos en zonas rurales a través de teléfonos móviles [on-line SMSocial]. Retrieved from: https://textosms.wordpress.com/2009/12/03/microprestamos-en-zonas-rurales-a-traves-de-telefonos-moviles/

Amit, Hiren, Kevin, & Kai (2004, Feb. 26). Digital cash. Retrieved from: https://www.google.com.co/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CBwQFjAAahUKEwi0hoGZ56bHAhUF1B4KHdITDvA&url=https%3A%2F%2Fwww.cs.bham.ac.uk%2F~mdr%2Fteaching%2Fmodules06%2Fnetsec%2Flectures%2FDigitalCash.html&ei=tPHMVbTcHYWoe9KnuIAP&

Antes de 2020, pagos electrónicos le ganarían al efectivo en Colombia. (2014, April 24). [on-line, eltiempo.com]. Retrieved from: http://www.eltiempo.com/tecnologia/actualidad/antes-de-2020-pagos-electronicos-le-ganarian-al-efectivo-en-colombia_13878508-4

Asobancaria (2015, April 8). Reporte de bancarización. Retrieved from: http://www.asobancaria.com/portal/page/portal/Asobancaria/publicaciones/economica_financiera/reporte_bancarizacion/2013

Barungi, B., Ogunleye, E., Zamba, C. (2014). Nigeria [on-line, African Economic Outlook]. Retrieved from: http://www.africaneconomicoutlook.org/en/country-notes/west-africa/nigeria/

Comercio electrónico creció más del 40 % en Colombia (2015, Jan. 19). [on-line, Portafolio]. Retrieved from: http://www.portafolio.co/economia/comercio-electronico-crecio-mas-40-colombia

GSMA (2015, April 5). Mobile money deployment tracker. Retrieved from: http://www.gsma.com/mobilefordevelopment/programmes/mobile-money-for-the-unbanked/insights/tracker

ISACA (2011). Pagos mediante dispositivos móviles: cuestiones relacionadas con los riesgos, la seguridad y el aseguramiento. Rolling Meadows, IL: ISACA

Ivatury, G. & Mas, I. (2015). Las primeras experiencias con la banca sin sucursales. Enfoque, 46. [on-line]. Retrieved from: http://www.cgap.org/sites/default/files/CGAP-Focus-Note-The-Early-Experience-with-Branchless-Banking-Apr-2008-Spanish.pdf

Kirk, M., Steele, J., Delbé, C., Crow, L., Keeble, J., Fricke, C., Myerscough, R., & Bulloch, G. (2011). Connected agriculture. London UK: Accenture-Vodafone. Available at: https://www.accenture.com/mu-en/_acnmedia/Accenture/next-gen/reassembling-industry/pdf/Accenture-Connected-Agriculture.pdf

Mariliana, R. C. (2014). Nuevas alternativas de pago en internet: el dinero electrónico y los sistemas de micropagos. Derecho Privado, 29, 139-152

Mas, I. & Radcliffe, D. (2010). Mobile payments go viral: M-PESA in Kenya. Recuperado de: http://siteresources.worldbank.org/AFRICAEXT/Resources/258643-1271798012256/M-PESA_Kenya.pdf

Pegueroles, J. (2015, April 10). Sistemas de pagos electrónicos. Burán, 18, 40-54

Roy, N., Sikhar, H., & Kirtania, M (2015). Micropayments: the case for wider market participation by banks [white paper]. Retrieved from: http://www.tcs.com/resources/white_papers/Pages/Micropayments.aspx

Saving $15.5 million by replacing cash with cards for Colombian coffee farmers (2015, march 2). [Blog, BetterThanCash.org] Retrieved from: http://betterthancash.org/increasing-financial-inclusion-for-colombia-coffee-farmers-and-saving-15-5-million-by-replacing-cash-with-cards/

Downloads

Published

2015-06-30

Issue

Section

Original Research