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on Information and Communication Technologies |
| By: | Julia S. Cheney; Sherrie L.W. Rhine |
| Abstract: | This paper describes the characteristics of closed-system and open-system prepaid cards. Of particular interest is a class of open-system programs that offer a set of features similar to conventional deposit accounts using card-based payment applications. The benefits that open-system prepaid cards offer for consumers, providers, and issuing banks contribute to the increased adoption of these payment applications. Using these cards, consumers can pay bills, make purchases, and get cash from ATM networks. At the same time, consumers who hold prepaid cards need not secure a traditional banking relationship nor gain approval for a deposit account or revolving credit. By offering prepaid cards, issuing banks may meet the financial needs of consumers who may not otherwise qualify for more traditional banking products and these banks may do so with a card-based electronic payment application that essentially eliminates credit risk for the bank. |
| Keywords: | Payment systems |
| Date: | 2006 |
| URL: | http://d.repec.org/n?u=RePEc:fip:fedpdp:06-07&r=ict |
| By: | Ioana Popovici (Department of Economics, Florida International University) |
| Abstract: | Open source (OS) licenses differ in the conditions under which licensors and OS contributors are allowed to modify and redistribute the source code. While recent research has explored the determinants of license choice, we know little about the impact of license choice on project success. In this paper, we measure success by the speed with which programming bugs are fixed. Using data obtained from SourceForge.net, a free service that hosts OS projects, we test whether the license chosen by project leaders influences bug resolution rates. In initial regressions, we find a strong correlation between the hazard of bug resolution and the use of highly restrictive licenses. However, license choices are likely to be endogenous. We instrument license choice using (i) the human language in which contributors operate and (ii) the license choice of the project leaders for a previous project. We then find weak evidence that restrictive licenses adversely affect project success. |
| Keywords: | open source software, property rights, copy-left |
| JEL: | L86 K39 O30 |
| Date: | 2007–04 |
| URL: | http://d.repec.org/n?u=RePEc:fiu:wpaper:0704&r=ict |
| By: | Kim, AeRee; Mitomo, Hitoshi |
| Abstract: | Communication via mobile telephones is widespread in East Asian metropolis such as Seoul, Taipei and Tokyo. In the last ten years, the number of mobile telephone users has increased dramatically, with the younger generation in particular depending on the services available via mobile telephones. This paper explores the relationship between the voice and text messaging communications of these young consumers through their mobile telephones and their interpersonal relations. It analyses how mobile telephone usage affects relationships between respondents by comparing models of the cause-effect relationship of several latent factors in different environments, namely dependency on mobile telephone communication, perception of friendships, individual factors and IT literacy. By applying a covariance structure analysis, the correlations between latent and observable variables can be successfully visualized. The results show that mobile telephones have little influence on the perception of relationships among the younger generation, although somewhat different structures of interdependency exist in these metropolitan areas. |
| Keywords: | mobile telephone calls; text messaging; Seoul; Taipei; Tokyo; communication; younger generation; relationship and covariance structure analysis. |
| JEL: | L96 O33 |
| Date: | 2006–03 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:2603&r=ict |