Mobile Payment: Towards a Customer-Centric Model

Abstract

Abstract. Mobile payment normally occurs as a wireless transaction of monetary value and includes the initiation, authorization and the realization of the payment. Such transactions are facilitated by purpose-built mobile payment systems that are part of the service infrastructure supporting the functioning of mobile business applications. A number of stakeholder groups may be involved in concluding a mobile payment transaction, among them customers, mobile operators, financial institutions, merchants, and intermediaries. In this paper, mobile payment systems are characterised from the point of view of the stakeholder groups. Building on existing work, a supply and demand model for the investigation of mPayment services is presented, and applied to a case study.

Mobile Payment: An Exploratory Study of Customer Attitudes

“…The proposed research model can be extended to study the influence of external factors such as the role of mobile operators, the role of financial institutions, and other mobile industry stakeholder related factors [3]. Searching for new relationships and exploring the established ones with respect to external variables and demographics may bring useful results.…”

“…While mPayment has shown a significant trend towards growth and wider acceptance in some European and Asian countries [4][5] in other regions the adoption process has been slower [3] [6]. While prior research has identified some mobile service and mPayment service adoption success factors and impediments related to technology [6][7][8], it is also suggested that both demographic and technological characteristics may play a significant role [9][10].…”

“…Mobile payment (mPayment) is a method of payment for goods and services available to mobile commerce (mCommerce) customers and can be viewed as a service enabling transaction with a monetary value conducted via a mobile telecommunications network [1][2][3]; examples include paying for parking, buying a cup of coffee from a vending machine, purchasing a ticket for a future event; such tasks can be accomplished by mobile phone text messaging once the business providing the product or the service has built in mPayment as an option available to the paying customer. While mPayment has shown a significant trend towards growth and wider acceptance in some European and Asian countries [4][5] in other regions the adoption process has been slower [3] [6].…”

Mobile payments: A proposal for a context-oriented approach based on socio-technical theory

“…New Delhi: Response Books. Goeke and Pousttchi, 2010;Leong et al, 2013;Lu et al, 2011;Moroni et al, 2015;Petrova, 2008;Pham and Ho, 2015;Tan et al, 2014;Zhao and Kurnia, 2014;Zhou, 2011 Performance expectancy 8 Gerpott andTeo et al, 2015;Slade et al, 2015a;Zhou, 2014b Convenience 7 Augsburg andHedman, 2014;Kim et al, 2010;Petrova, 2008;Teo et al, 2015;Leong, 2007 Relative advantage 6 Arvidsson, 2014;Augsburg and Hedman, 2014;Lu et al, 2011;Yang et al, 2012 Effort expectancy 6 Morosan andDeFranco, 2016;Slade et al, 2015a;Teo et al, 2015; Added value services/ additional value 3 Augsburg and Hedman, 2014;Petrova, 2008;Pham and Ho, 2015 * Constructs were included if they were mentioned at least three times. and Öörni, 2007;Kim et al, 2010;Leong et al, 2013;Li et al, 2014;Theodora et al, 2010;Xin et al, 2013;Zhao and Kurnia, 2014 Attitude towards use 9…”

Coins in cloud drives can use OAuth for micropayments and resource metering alike

“…Copyright is held by the owner/author(s). Payment transactions are a centralized technology [5]. Therefore, client-side technologies (BitCoin, etc.)…”