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[{"key": "dc.contributor.advisor", "value": "Frank, Lauri", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Koskim\u00e4ki, Markus", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-06-16T08:44:49Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-06-16T08:44:49Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2022", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/81786", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Verkkokauppojen maksuv\u00e4lineet ovat kehittyneet viime aikoina nopeasti ja Euroopan unioni (EU) on halunnut tuoda kuluttajille turvaa verkkomaksamisessa. EU s\u00e4\u00e4ti maksupalveludirektiivist\u00e4 toisen version PSD2:n (Payment Services Directive 2), jossa vahva tunnistautuminen tuli osaksi verkkomaksamista. Uutena asiana se tuli k\u00e4yt\u00e4nn\u00f6ss\u00e4 vain pankkikorttimaksuihin, sill\u00e4 muut maksuv\u00e4lineet sis\u00e4lt\u00e4v\u00e4t jo entuudestaan vahvan tunnistautumisen. T\u00e4ss\u00e4 tutkielmassa tutkin vahvan tunnistautumisen omaksumisen kokemuksia kuluttajilta, jotka k\u00e4ytt\u00e4v\u00e4t verkkokauppaa arjessaan. Tutkimukseen osallistui kahdeksan nuorta aikuista, joille verkkokauppa ja pankkikortilla verkossa maksaminen on tuttua.\nTutkimus on toteutettu kahdessa eri osassa, aluksi kirjallisuuskatsaus, jossa k\u00e4sitell\u00e4\u00e4n teoriaviitekehyst\u00e4 UTAUT2-mallia ja sovelletaan sit\u00e4 t\u00e4h\u00e4n tutkimukseen. Sitten tutkitaan kirjallisuutta maksuv\u00e4lineist\u00e4 ja maksupalveludirektiivist\u00e4. Toinen osa oli empiirinen tutkimus, joka toteutettiin puolistrukturoituna haastatteluna ja saatu aineisto analysoitiin fenomenografisella analyysilla.\nTutkimuksen tulokset osoittivat, ett\u00e4 vahva tunnistautuminen on koettu helppok\u00e4yt-t\u00f6iseksi, mutta samalla se on koettu turhauttavaksi, koska pankkikorttimaksu koetaan olevan nyky\u00e4\u00e4n turha maksuv\u00e4line sen pitk\u00e4n maksuprosessin vuoksi. Vahva tunnistautuminen on otettu kaikesta huolimatta kuluttajien k\u00e4ytt\u00f6\u00f6n normaalina asiana, joka kuuluu prosessiin. Tutkimuksen tulokset osoittivat my\u00f6s, ett\u00e4 on my\u00f6s niit\u00e4, jotka yritt\u00e4v\u00e4t v\u00e4ltt\u00e4\u00e4 mahdollisuuksien mukaan vahvaa tunnistautumista. Haastatteluiden perusteella vahva tunnistautuminen on koettu v\u00e4hent\u00e4neen haastateltavien pankkikorttimaksamista verkkokaupoissa. Lis\u00e4ksi haastateltavat ovat suosineet mobiilimaksamista sen j\u00e4lkeen, kun vahva tunnistautuminen on tullut osaksi verkkomaksamista.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "E-commerce payment methods have evolved recently, and the European Union (EU) is willing to improve the security to consumers when paying online. The EU enacted a second version of the Payment Services Directive, PSD2, in which strong authentication became part of online payment. As an addition it only came to credit and debit cards payments in practice, as other means of payment already contain strong authentication. In this thesis, I am going to explore experiences of strong authentication from consumers who use e-commerce in their daily lives. Eight young adults, who are familiar with e-commerce and online debit payments, participated in the study.\nThe thesis was carried out in two different parts. Firstly, the literature review was carried out of UTAUT2 model and the theoretical framework and applies it to this study. The literature on payment instruments and the Payment Services Directive is then examined. Secondly empirical research was done by conducting semi-structured interview and the data which was obtained analyzed by phenomenographic analysis.\nThe results of the study showed that strong authentication has been perceived as easy to use, but at the same time it has been perceived as frustrating, as debit card payments are now perceived as a useless payment instrument due to its long payment process. Strong authentication has nevertheless been introduced to consumers as a normal part of the process. The results of the study also showed that there are also those who try to avoid strong authentication where possible. Based on the interviews, strong authentication has been felt to have reduced the interviewees' debit card payments in online shopping. In addition, interviewees have favored mobile payment after strong identification has be-come part of online payment.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2022-06-16T08:44:49Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-06-16T08:44:49Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "59", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "vahva tunnistautuminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "teknologian omaksuminen", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "UTAUT2", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "PSD2", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Uuden maksupalveludirektiivin tuoman vahvan tunnistautumisen omaksuminen ja vaikutus maksuk\u00e4ytt\u00e4ytymiseen verkkomaksuissa", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202206163395", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "601", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "verkkokauppa", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksuv\u00e4lineet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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