Mobile cloud-based e-payment systems in Saudi Arabia
Marwah Mohammad Almasri, Hazzaa Naif Alshareef · 2019
The rapid revolution of e-commerce has attracted most researchers' attention due to its encountered benefits and conveniences. Numerous e-payment systems have been proposed and applied to cope with current technological development. Mobile payment (also called m-payment) has become one of the most significant e-payment systems available worldwide. m-payment platforms have been widely used owing to their ease of use, high accessibility, and lower transaction costs. However, utilizing mobile devices for m-payment systems has its limitations. In order to overcome these limitations, mobile cloud computing can be an optimal solution to achieve reliability and availability. This paper will highlight the state-of-the-art of m-payment systems and discuss the technological tools involved. It will also identify the research questions based on the purpose of the research. In addition, it will explore various factors affecting m-payment platforms, such as scalability, reliability, usability, and trust. A case study of m-payment in Saudi Arabia was conducted to measure the identified factors. Based on the findings, this paper summarizes the challenges of m-payment systems. Finally, a detailed design of our proposed framework is represented, which reflects the objective of this paper. The aim of this paper is to investigate the ability of introducing the mobile cloud concept into m-payment systems to overcome notable shortcomings that hinder its spreading.