Towards Safer and Efficient Dowry Transactions: A Blockchain-Based Approach

The dowry payment system is used in the cultural context and tradition of certain financial transactions related to marriages and engagement. However, disputes, fraud, and financial gaps in exploitation occur in these systems, which affect user confidence. This study uses an exploratory approach to identify the main weaknesses of current traditional dowry payment systems and analyses the benefits that blockchain technology and smart contracts can provide. The proposed data security framework combines blockchain security features such as decentralisation, cryptography, and automatic verification through smart contracts to ensure the integrity and reliability of dowry payment transactions. In this study, we adopt the Design Science Research (DSR) methodology to propose producing and developing artefacts that support solving problems in the existing dowry payment system more efficiently. We will disseminate new ideas or concepts developed to indigenous communities in Timor-Leste using the Diffusion of Innovation (DOI) and Technology Acceptance Model (TAM) frameworks to ensure that the technological framework developed can be used safely and efficiently.