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Guo, J. (author), Nikou, S. (author), Bouwman, W.A.G.A. (author)The increasing number of smart phones presents a significant opportunity for the development of m-payment services. Despite the predicted success of m-payment, the market remains immature in most countries. This can be explained by the lack of agreement on standards and business models for all stakeholders in m-payment ecosystem. In this paper,...conference paper 2013