Mobile payments and interoperability: Insights from the academic literature

Bianchi, Milo; Bouvard, Matthieu; Gomes, Renato; Rhodes, Andrew; Shreeti, Vatsala

doi:10.1016/j.infoecopol.2023.101068

Cited by 8 publications

(2 citation statements)

References 90 publications

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“…This innovation has attracted new payment service providers leveraging novel technologies to carve out their niches, while established traditional banking institutions seek to safeguard their oligopoly. In early 2010, the European Union introduced the mobile payment market cooperation (MPMC) framework, which engenders a dynamic interplay of mutual competition and collaboration among mobile phone manufacturers, telecommunications companies, traditional banks, and third-party payment entities within the mobile payment ecosystem (Bianchi et al, 2023). For instance, in the Netherlands, prominent banks and telecom operators have collaboratively undertaken a trusted service manager (TSM) project for mobile payment systems (Hasan et al, 2021).…”

Section: Citationmentioning

confidence: 99%

Mobile payment-banking efficiency nexus—A concise review of the evolution and empirical exploration of the Taiwan banking industry

Phung,

Kao,

Cheng

et al. 2024

J. Infras. Policy. Dev.

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This paper utilizes an advanced Network Data Envelopment Analysis (DEA) model to examine the impact of mobile payment on the efficiency of Taiwan banking industry. Inheriting the literature, we separate the banking operation process into two stages, namely profitability and marketability. Mobile payment is then considered as the core factor in the second stage. Our paper discovers network DEA model can effectively enhance the analysis of banking industry’s efficiency, and mobile payment has a notable impact on Taiwan banking industry. Regarding the profitability stage, there is only one efficient bank in 2019 and 2022, respectively. These banks also perform better in terms of “mobile payment production”. In the marketability stage, there is also only one bank in 2021 and one bank in 2022, that can reach to unique efficiency score. This indicates many banks attempt to increase earnings per share through investing in mobile payment services. However, the achievement still needs more wait. This leads to the fact that no bank can reach the ultimate overall efficiency. Within our sample, we also find that regarding promoting mobile payment services, Private Banks outperform Government Banks.

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Section: Citationmentioning

confidence: 99%

Mobile payment-banking efficiency nexus—A concise review of the evolution and empirical exploration of the Taiwan banking industry

Phung,

Kao,

Cheng

et al. 2024

J. Infras. Policy. Dev.

View full text Add to dashboard Cite

show abstract

“…However we note that partitioned pricing may also increase firms' market power, by confusing consumers (as in, e.g.,Carlin, 2009), or by making it harder for consumers to compare offers (as in, e.g.,Wilson, 2010), especially when fees are framed differently (as in, e.g.,Piccione and Spiegler, 2012, or Chioveanu andZhou, 2013). SeeBianchi et al (2021) for a review of this literature.3 For instance, firms can use their online choice architecture to drip prices (see, e.g., CMA, 2022), and can also use increasingly advanced algorithms to set those prices (see, e.g.,Assad et al, 2021).…”

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confidence: 99%