Guía metodológica para la implementación de la tecnología NFC para pagos en línea en instituciones financieras.

Abstract

The current research aims to propose a Methodological Guide for the lmplementation of the technology, Near Field Communication (NFC), for online payments in Financial Institutions, considering an issue of major global and unto Id importance in Ecuador applied to the Credit Un ion "Fernando Daquilema" ltd., in Riobamba. It was carried out a thorough investigation based on technology and knowing their applications, features, advantages and disadvantages related to other existing wireless technologies. It was developed a prototype mobile application using: Scrum methodology, software development, settling in two different applications, and correspondent and respectively in the Android 4.4.2 (Kitkat) platform, simulating the mobile payment ecosystem. The scenario used in tests applied to NFC mobile payment ecosystem, joined at: markets, shopping centers, stores among others in Riobamba, obtaining 75% of transactional productivity, 100% security, accessible in 30% referring to other technologies, 70% intuitive, without any difficulties and problems, reduced to just touch the phone, generating greater security and confidence in the data, in real time. Concluding that the application of the guide mentioned above in order to help greatly transactional security performed daily, reducing latency time to move to a Financial Institution, and apply it immediately (online), without worrying about carrying cash and being essentially in the mobile payment system. It is recommended to apply to all Financial Institutions considering successful at worldwide and being the future technology.