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Users' perception of mobile payment

Users' perception of mobile payment This paper reports from an empirical study of users' attitudes pertaining to novel payment solutions, particularly e-cash and mobile micro payments (m-payments). This is a particularly important aspect of mobile services development, since cumbersome payment allegedly is a significant barrier to the adoption of mobile commerce. Moreover, it is often seen as a 'killer' mobile application in its own right, which is expected to have great ramifications for the industry. This paper questions this assumption. Based on a medium-sized questionnaire (n = 462), which was administered to a sample of mobile phone users, we concluded that the current view of m-payment as a stand-alone 'product' has not been very successful. We believe instead that users enjoy tighter integration of 'trying with buying'. It seems that co-located buying, trying and paying within the same medium comprise the more promising approach. The findings of this paper also confirm that mobility as such is not a particularly strong determinant for mobile services adoption. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png International Journal of Knowledge Management Studies Inderscience Publishers

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Publisher
Inderscience Publishers
Copyright
Copyright © Inderscience Enterprises Ltd. All rights reserved
ISSN
1743-8268
eISSN
1743-8276
DOI
10.1504/IJKMS.2008.016448
Publisher site
See Article on Publisher Site

Abstract

This paper reports from an empirical study of users' attitudes pertaining to novel payment solutions, particularly e-cash and mobile micro payments (m-payments). This is a particularly important aspect of mobile services development, since cumbersome payment allegedly is a significant barrier to the adoption of mobile commerce. Moreover, it is often seen as a 'killer' mobile application in its own right, which is expected to have great ramifications for the industry. This paper questions this assumption. Based on a medium-sized questionnaire (n = 462), which was administered to a sample of mobile phone users, we concluded that the current view of m-payment as a stand-alone 'product' has not been very successful. We believe instead that users enjoy tighter integration of 'trying with buying'. It seems that co-located buying, trying and paying within the same medium comprise the more promising approach. The findings of this paper also confirm that mobility as such is not a particularly strong determinant for mobile services adoption.

Journal

International Journal of Knowledge Management StudiesInderscience Publishers

Published: Jan 1, 2008

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