The Industrial Internet of things (IIoT) helps several applications that require power control and low cost to achieve long life. The progress of IIoT communications, mainly based on cognitive radio (CR), has been guided to the robust network connectivity. The low power communication is achieved for IIoT sensors applying the Low Power Wide Area Network (LPWAN) with the Sigfox, NBIoT, and LoRaWAN technologies. This paper aims to review the various technologies and protocols for industrial IoT applications. A depth of assessment has been achieved by comparing various technologies considering the key terms such as frequency, data rate, power, coverage, mobility, costing, and QoS. This paper provides an assessment of 64 articles published on electricity control problems of IIoT between 2007 and 2020. That prepares a qualitative technique of answering the research questions (RQ): RQ1: “How cognitive radio engage with the industrial IoT?”, RQ2: “What are the Proposed architectures that Support Cognitive Radio LPWAN based IIOT?”, and RQ3: What key success factors need to comply for reliable CIIoT support in the industry?”. With the systematic literature assessment approach, the effects displayed on the cognitive radio in LPWAN can significantly revolute the commercial IIoT. Thus, researchers are more focused in this regard. The study suggests that the essential factors of design need to be considered to conquer the critical research gaps of the existing LPWAN cognitive-enabled IIoT. A cognitive low energy architecture is brought to ensure efficient and stable communications in a heterogeneous IIoT. It will protect the network layer from offering the customers an efficient platform to rent AI, and various LPWAN technology were explored and investigated.

E-commerce implies an electronic purchasing and marketing process online by using typical Web browsers. As e-commerce is quickly developing on the planet, particularly in recent years, many areas of life are affected, particularly the improvement in how individuals regulate themselves non-financially and financially in different transactions. In electronic payment or e-commerce payment, the gateway is a major component of the structure to assure that such exchanges occur without disputes, while maintaining the common security over such systems. Most Internet payment gateways in e-commerce provide monetary information to customers using trusted third parties directly to a payment gateway. Nonetheless, it is recognized that the cloud Web server is not considered a protected entity. This article aims to develop an efficient and secure electronic payment protocol for e-commerce where consumers can immediately connect with the merchant properly. Interestingly, the proposed system does not require the customer to input his/her identity in the merchant’s website even though the customer can hide his/her identity and make a temporary identity to perform the service. It has been found that our protocol has much improved security effectiveness in terms of confidentiality, integrity, non-repudiation, anonymity availability, authentication, and authorization.

Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services

E-wallets are a modern electronic payment system technology that easily recognize consumer interest, making our transactions very convenient and efficient. E-wallets are intended to substitute the existing physical wallet, which may tell others something about us as a person. That is why using a physical wallet is a unique, personal experience that cannot be duplicated. A solution would be to replace the physical wallet with an e-wallet on an existing mobile device. The personal nature of the e-wallet is that it should be installed on a unique device. One of the fundamental protections against any illegal access to e-wallet application is through authentication. In particular, the fundamental authentication category used in an existing e-wallet is based on knowledge (i.e., what you know), ownership (i.e., what you have), and biometric (i.e., what you are) authentication, which are sometimes prone to security threats such as account takeover, sim swapping, app cloning, or know your customer verification attacks. The design of an e-wallet authentication on mobile device solution must take into consideration the intensity of the security. To address this problem, this study proposes a design of e-wallet apps with an extension security element that focuses on the device identity in the existing user authentication mechanism. This study covers four fundamental categories of authentication: password, one time password, fingerprints, and international mobile equipment identifier. Using IMEI limits an e-wallet to be in one specific device in one time; this brings it into line with the nature of a physical wallet. In addition, it will be ready to handle the mentioned threats above, which will ultimately result in the far more reliable to use of e-wallet apps. The proposed authentication design has two phases, a registration phase and an authentication phase. The proposed method has been developed and implemented based on an Android Studio Firebase real-time database management and PayPal. In addition, the complete design has been evaluated using functional requirement testing to see how closely it meets functionality requirements. The results obtained from functional testing show that the functionalities of the proposed method meet the requirements, and one cannot use a same account on two devices; hence, it is secure from attacks. The result also shows that the proposed method has no errors. Moreover, it has been shown that our proposed method has better security parameters in terms of the existing method.

The financial industry has proven to be an important factor in our daily lives through the adaption of new technology. Fintech companies are driven towards enhancing financial services currently being provided by consecutive financial institutions. Digital wallet is the latest invention of finance technology, which is a great tool for making our payment transaction very easily and fast. Many digital wallet applications have already been developed and implemented in payment transactions. An effective number of cyber threats targetting the monetary system have made security an imperative component of the banking system. This paper outlines the digital wallets’ threats and also provides the requirements of digital wallets that technically try to address the fear of security customers as usual providers,,while assisting in the successful implementation of digital wallets.