Biblio

FinBots are chatbots built on automated decision technology, aimed to facilitate accessible banking and to support customers in making financial decisions. Chatbots are increasing in prevalence, sometimes even equipped to mimic human social rules, expectations and norms, decreasing the necessity for human-to-human interaction. As banks and financial advisory platforms move towards creating bots that enhance the current state of consumer trust and adoption rates, we investigated the effects of chatbot vignettes with and without socio-emotional features on intention to use the chatbot for financial support purposes. We conducted a between-subject online experiment with N = 410 participants. Participants in the control group were provided with a vignette describing a secure and reliable chatbot called XRO23, whereas participants in the experimental group were presented with a vignette describing a secure and reliable chatbot that is more human-like and named Emma. We found that Vignette Emma did not increase participants' trust levels nor lowered their privacy concerns even though it increased perception of social presence. However, we found that intention to use the presented chatbot for financial support was positively influenced by perceived humanness and trust in the bot. Participants were also more willing to share financially-sensitive information such as account number, sort code and payments information to XRO23 compared to Emma - revealing a preference for a technical and mechanical FinBot in information sharing. Overall, this research contributes to our understanding of the intention to use chatbots with different features as financial technology, in particular that socio-emotional support may not be favoured when designed independently of financial function.

Supply chain management (SCM) is fundamental for gaining financial, environmental and social benefits in the supply chain industry. However, traditional SCM mechanisms usually suffer from a wide scope of issues such as lack of information sharing, long delays for data retrieval, and unreliability in product tracing. Recent advances in blockchain technology show great potential to tackle these issues due to its salient features including immutability, transparency, and decentralization. Although there are some proof-of-concept studies and surveys on blockchain-based SCM from the perspective of logistics, the underlying technical challenges are not clearly identified. In this paper, we provide a comprehensive analysis of potential opportunities, new requirements, and principles of designing blockchain-based SCM systems. We summarize and discuss four crucial technical challenges in terms of scalability, throughput, access control, data retrieval and review the promising solutions. Finally, a case study of designing blockchain-based food traceability system is reported to provide more insights on how to tackle these technical challenges in practice.

In this paper, we focus on the principal-agent problems in continuous time when the participants have ambiguity on the output process in the framework of g-expectation. The first best (or, risk-sharing) type is studied. The necessary condition of the optimal contract is derived by means of the optimal control theory. Finally, we present some examples to clarify our results.

According to the advancement of mobile devices and wireless network technology, these portable devices became the potential devices that can be used for different types of payments. Recently, most of the people would rather to do their activities by their cellphones. On the other hand, there are some issues that hamper the widespread acceptance of mobile payment among people. The traditional ways of mobile payment are not secure enough, since they follow the traditional flow of data. This paper is going to suggest a new protocol named Golden Mobile Pay Center Protocol that is based on client centric model. The suggested protocol downgrade the computational operations and communications that are necessary between the engaging parties and achieves a completely privacy protection for the engaging parties. It avoids transaction repudiation among the engaging parties and will decrease replay attack s risk. The goal of the protocol is to help n users to have payments to each others'. Besides, it will utilize a new key agreement protocol named Golden Circle that is working by employing symmetric key operations. GMPCP uses GC for generating a shared session key between n users.

Electric vehicle is the automobile that powered by electrical energy stored in batteries. Due to the frequent recharging, vehicles need to be connected to the recharging infrastructure while they are parked. This may disclose drivers' privacy, such as their location that drivers may want to keep secret. In this paper, we propose a scheme to enhance the privacy of the drivers using anonymous credential technique and Trusted Platform Module(TPM). We use anonymous credential technique to achieve the anonymity of vehicles such that drivers can anonymously and unlinkably recharge their vehicles. We add some attributes to the credential such as the type of the battery in the vehicle in case that the prices of different batteries are different. We use TPM to omit a blacklist such that the company that offer the recharging service(Energy Provider Company, EPC) does not need to conduct a double spending detection.