Abstract

This capstone project sought to explore the evolution of digital/electronic checking, assess how technology and other factors fueled the development of digital electronic checking, evaluate if the sampled research literature indicate that the desirable attributes of a payment instrument have been fully addressed; and analyze issues that deter the digital/electronic checking system to fully integrate the six most desirable attributes for a payment instrument in order to recommend possible directions for future research and design implementation. The project utilized integrative review as its methodology and adopted a theoretical framework based on the input-process-output model to guide the analysis and presentation of deliverables. Ten research articles from relevant journals were sampled to represent the about two decades of development of digital checking as well as supporting theory from authoritative sources. The findings revealed that cryptography was a dominant technology in the evolution of e-checking, which facilitated the role of human ingenuity as motivation for innovation and development of more efficient systems. Additionally, the gap in knowledge and practice, to date, in digital/electronic checking concerns fraud and other technology-enabled security threats. Recommendations to address security threats which prevent wide adoption of e-checking point towards biometrics, quantum cryptology, and a blend of data mining and artificial intelligence, specifically deep learning and neural networks. It is also essential that programmers and other information/wireless security professionals remain vigilant about the implications of legal aspects and human rights in the implementation of technological solutions to security threats.

Publication Date

5-10-2022

Document Type

Master's Project

Student Type

Graduate

Degree Name

Professional Studies (MS)

Department, Program, or Center

Graduate Programs & Research

Advisor

Sanjay Modak

Advisor/Committee Member

Khalil Al Hussaeni

Campus

RIT Dubai

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