› › Critical Success Factors Of Mobile Payments

Critical Success Factors of Mobile Payment

Author : Christian Hort

Publisher : diplom.de

Page : 112 pages

File Size : 13,10 MB

Release : 2003-04-08

Category : Business & Economics

ISBN : 3832466436

Get eBook

Book Description

Inhaltsangabe:Abstract: Mobile payment (mPayment) can be understood as every payment where at least one participant applies mobile phone technology, thus, uses a mobile phone. But due to technological progress it seems reasonable to classify other devices like a Personal Digital Assistant (PDA) or devices with embedded Radio Frequency (RF) technology as mobile payment devices. However, mobile phones today clearly outnumber every other mobile payment device. Penetration rates are forecasted to reach almost 80% in Europe by 2005. The number of worldwide cellular subscribers is expected to pass one billion by 2003. By 2005 there will be more mobile phones worldwide than TVs, fixed line phones, and Personal Computers (PC). Driven by the increasing penetration and resulting business opportunities, numerous mPayment solutions have been offered by payment service providers, telcos, and financial institutions. The variety of applicable technologies, the possible linkage between the financial instruments, and the mPayment device combined with different payment scenarios offer a wide landscape of mPayment solutions. Besides technology, questions dealing with consumer expectations, factors thriving or inhibiting a widespread adoption, and with it related penetration strategies for payment service providers have to be carefully researched to develop a successful mPayment. Based on diverse motivations and influenced by recent technology development banks, telcos and start-up companies endeavour to build a successful mPayment that meets the expectations of consumers and merchants. The research question of this paper focuses on factors that can be identified as crucial to drive the success of mobile payment systems. Therefore, the first goal is to give an introduction to the mPayment landscape as a foundation for further research. The second goal is to derive key factors influencing the success of an mPayment from theoretical models and by reviewing related literature. The research concentrates on business to consumer (B2C) and consumer to consumer (C2C) payment on the European and United States (US) market. Neither cross border payments nor business to business (B2B) payments are described in this paper. Inhaltsverzeichnis:Table of Contents: CONTENTSI TABLE OF EXHIBITSIII TABLE OF CHARTSIV ABBREVIATIONSV 1.INTRODUCTION1 1.1Motivation1 1.2Goals of the study2 1.3Structure2 2.TRADITIONAL AND FIXED-LINE ONLINE PAYMENT METHODS4 2.1History of [...]



Critical Success Factors of Mobile Payments

Author : Christian Hort

Publisher : GRIN Verlag

Page : 109 pages

File Size : 15,45 MB

Release : 2003-03-24

Category : Business & Economics

ISBN : 3638178188

Get eBook

Book Description

Scientific Essay from the year 2002 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0 (A), Technical University of Darmstadt (Finance and Banking Management (TUD); Institute of Information Mangement (HSG)), language: English, abstract: In the context of this research, payment is understood as the exchange of monetary value between participants either directly or using an intermediary.5 Mobile payment (mPayment) can be understood as every payment where at least one participant applies mobile phone technology, thus, uses a mobile phone.6 But due to technological progress it seems reasonable to classify other devices like a Personal Digital Assistant (PDA) or devices with embedded Radio Frequency (RF) technology as mobile payment devices.7 However, mobile phones today clearly outnumber every other mobile payment device. Penetration rates8 are forecasted to reach almost 80% in Europe by 2005.9 The number of worldwide cellular subscribers is expected to pass one billion by 2003.10 By 2005 there will be more mobile phones worldwide than TVs, fixed line phones, and Personal Computers (PC).11 Driven by the increasing penetration and resulting business opportunities, numerous mPayment solutions have been offered by payment service providers, telcos, and financial institutions. The variety of applicable technologies, the possible linkage between the financial instruments, and the mPayment device combined with different payment scenarios offer a wide landscape of mPayment solutions. Besides technology, questions dealing with consumer expectations, factors thriving or inhibiting a widespread adoption, and with it related penetration strategies for payment service providers have to be carefully researched to develop a successful mPayment.12 5 See Dahlberg/Mallat (2002) p. 651. 6 See Krueger (2001) p. 1; see IWW (2002a) p. 5; see Kreyer/Pousttchi/Turowski (2002) p. 1 f. 7 See Thing/Rouse (2001); cp. chapter 3.2. 8 Users as a percentage of the population. 9 See Barnett/Hodges/Wilshire (2000) p. 164. 10 See Barnett/Hodges/Wilshire (2000) p. 164; see Krueger (2001) p. 3; see GSM Association (2002b). 11 See Datta/Pasa/Schnitker (2001) p. 72. 12 See Dahlberg/Mallat (2002) p. 650.



Emerging Markets from a Multidisciplinary Perspective

Author : Yogesh K. Dwivedi

Publisher : Springer

Page : 429 pages

File Size : 49,6 MB

Release : 2018-04-11

Category : Business & Economics

ISBN : 3319750135

Get eBook

Book Description

This book examines prominent issues in the Emerging Markets (EM) from a variety of disciplines in order to make useful societal contributions through knowledge exchange. EMs offer enormous opportunities, but realizing them is both challenging and risky due to inherent uncertainties of such markets. EM’s also have unique characteristics that makes them different from developed countries. This causes implications for both theory and practice. These markets necessitate substantial adaptations of developed theories and approaches employed in the Western world. This book investigates problems specific to emerging markets, and identifies new theoretical constructs, hypotheses (re)development, and emphasizes institutional contexts. The chapters in this book establish new conceptual and theoretical paradigms from multidisciplinary perspectives concentrated in the areas of information systems, electronic government, and digital and social media matters. The book focuses on topics in these areas such as digital enterprises, sustainability, telemedicine, and Information Communication Technology (ICT) and surveys the potential challenges and opportunities that may arise. These concepts and topics covered in this book are vital for making the global economy more equitable and sustainable.



Mobile Payment

Author : Thomas Lerner

Publisher : Springer Science & Business Media

Page : 187 pages

File Size : 38,74 MB

Release : 2013-11-29

Category : Computers

ISBN : 3658032510

Get eBook

Book Description

Paying with mobile devices such as mobile phones or smart phones will expand worldwide in the coming years. This development provides opportunities for various industries (banking, telecommunications, credit card business, manufacturers, suppliers, retail) and for consumers. The book comprehensively describes current status, trends and critical aspects of successful mobile payment. It combines theory and practice. Comprising essential aspects of a successful mobile payment as well as successful case studies and practical examples, this book is for all who are developing, offering and using mobile payment.





Smart Working, Living and Organising

Author : Amany Elbanna

Publisher : Springer

Page : 307 pages

File Size : 45,54 MB

Release : 2018-12-07

Category : Computers

ISBN : 3030043150

Get eBook

Book Description

This book constitutes the refereed proceedings of the IFIP WG 8.6 International Working Conference "Smart Working, Living and Organising" on Transfer and Diffusion of IT, TDIT 2018, held in Portsmouth, UK, in June 2018. The 17 revised full papers and 2 short papers presented were carefully reviewed and selected from 34 submissions. They deal with the adoption of new classes of technology used by individuals, organisations, sectors and society with a particular focus on how emerging technologies are adopted and appropriated in organisations and everday life and their impact. The papers are organized in the following topical sections: being smart: adoption challenges; sharing economy and social media; government and infrastructure; IT project management; and revisiting concepts and theories.



A Study on the Factors Influencing the Adoption of Mobile Payment System in Nigeria

Author : Aminu Hamza

Publisher :

Page : 178 pages

File Size : 10,42 MB

Release : 2014

Category : Mobile commerce

ISBN :

Get eBook

Book Description

The proliferation of handheld devices and the high-speed mobile network have created another revolution in the world of commerce. Despite the continuous emerging payment solutions and abundant facilitating technologies, the level of mobile payment system adoption is quite low. Researchers focused their attention mainly on mobile payment business model and mobile payment software/infrastructures architectures with relatively little attention paid to the factors influencing the adoption. Moreover, researchers paid very little attention on issues regarding mobile payment system adoption in developing countries. Accordingly, this study examined the factors that determine the adoption of mobile payment system and how their influence differs by gender of the students of tertiary institutions in Nigeria. Technology Acceptance Model (TAM) was used with three additional variables to form the conceptual model. The study was conducted in three Universities in Kano state, Nigeria. Purposive sampling method was used with a total valid 214 respondents which involved the students of Bayero University Kano (BUK), North-West University, and Kano University of Science and Technology (KUST) Wudil, Kano, Nigeria. The results of the multiple regression analysis revealed that perceived ease of use (PEOU), perceived usefulness (PU), perceived compatibility (PC) and social norm (SN) have significant and positive correlation with the behavioural intention to adopt mobile payment system. The findings from the independent t-test also revealed that there is a significant difference on the influence of PEOU and SN among the gender of the students with male having high perceived ease use (PEOU) over female counterpart, while social norm (SN) influences female more than their male counterpart in adopting mobile payment. The study provided empirical support of the background theory outside the context of developed countries and contributed significantly to the existing literature in the field of mobile payment. Secondly, the study provided input about the critical success factors of the adoption of mobile payment system among mobile users. Thirdly, the study will help authorities to make relevant adjustments regarding the cashless-policy to make it more effective in the economy.



Impact of Mobile Payment Applications and Transfers on Business

Author : Opati, Thaisaiyi Zephania

Publisher : IGI Global

Page : 311 pages

File Size : 32,48 MB

Release : 2019-12-20

Category : Business & Economics

ISBN : 1799824004

Get eBook

Book Description

Consumers continue to rely heavily on their phones to complete such tasks as transferring funds between banks or accounts, depositing or withdrawing funds, paying bills, and purchasing items. Mobile money users are oftentimes more financially resilient and can protect themselves better against economic and other shocks. Moreover, mobile money can increase the velocity of money in circulation because it reduces the transactions and time costs of making retail payments. As such, understanding the impact of mobile payments is imperative for businesses and the economy. Impact of Mobile Payment Applications and Transfers on Business is a pivotal reference source that provides vital research on mobile money transfer and its impact in social, corporate, and micro- and macro-policies concerning the aggregate economy and individual households as a whole within an economy. It covers the impact, innovations, business-to-business transformations, regulatory framework, challenges, and ethical issues surrounding mobile money transfers around the world. This book is ideally designed for economists, financial analysts, business managers, leaders, scholars, practitioners, researchers, and students in fields that include management, finance, economics, commerce, and leadership.



Challenges of Expanding Internet: E-Commerce, E-Business, and E-Government

Author : Matohisa Funabashi

Publisher : Springer

Page : 616 pages

File Size : 46,46 MB

Release : 2006-06-08

Category : Computers

ISBN : 0387297731

Get eBook

Book Description

2.1 E-Government: e-Governance and e-Democracy The term Electronic Government (e-Government), as an expression, was coined after the example of Electronic Commerce. In spite of being a relatively recent expression, e-Government designates a field of activity that has been with us for several decades and which has attained a high level of penetration in many countries2. What has been observed over the recent years is a shift on the broadness of the e-Government concept. The ideas inside e-Governance and e- Democracy are to some extent promising big changes in public administration. The demand now is not only simply delivering a service - line. It is to deliver complex and new services, which are all citizen-centric. Another important demand is related to the improvement of citizen's participation in governmental processes and decisions so that the governments' transparency and legitimacy are enforced. In order to fulfill these new demands, a lot of research has been done over the recent years (see Section 3) but many challenges are still to be faced, not only in the technological field, but also in the political and social aspects.



ICT Unbounded, Social Impact of Bright ICT Adoption

Author : Yogesh Dwivedi

Publisher : Springer

Page : 568 pages

File Size : 11,16 MB

Release : 2019-06-11

Category : Computers

ISBN : 3030206718

Get eBook

Book Description

This book constitutes the refereed proceedings of the IFIP WG 8.6 International Working Conference "ICT Unbounded, Social Impact of Bright ICT Adoption" on Transfer and Diffusion of IT, TDIT 2019, held in Accra, Ghana, in June 2019. The 30 revised full papers and 4 short papers presented were carefully reviewed and selected from 72 submissions. The papers focus on Bright Information and Communication Technology, a concept that entails the development of relevant technologies, business models, public policies, social norms, international agreements, metrics of measuring national progress and preventing undesirable activities on the Internet. They are organized in the following topical sections: technology adoption, diffusion and ubiquitous computing; big data and business intellligence; smart cities; and security, privacy, ethics and misinformation.