Mobile Payment: The Hiding Impact of Learning Costs on User Intentions

This study analyzes how learning costs for technologies that lack de facto standards, such as mobile payment, affect user intentions. In addition, we evaluate how the negative effect of learning costs is mediated by perceived functional value and facilitating conditions. Data used in this research was obtained from a study among 463 consumers....

Emergence of collective digital innovations through the process of control point driven network reconfiguration and reframing: the case of mobile payment

Decentralized digital technologies require multiple organizations to collectively create digital innovations. Control over the resources required for digital innovations is often therefore dispersed among multiple actors. Actors may have conflicting interests and business models which cause collective digital innovations to come to a...

When technological superiority is not enough: The struggle to impose the SIM card as the NFC Secure Element for mobile payment platforms

Mobile network operators have long played an essential role in the Near Field Communication (NFC) mobile payment ecosystem. In most implementations, the SIM card has been the main technical component to secure payments. Currently, mobile payment providers are increasingly planning to place the Secure Element (SE) for authentication in the...

An ecosystem view on third party mobile payment providers: a case study of Alipay wallet

Purpose: To understand why the penetration of handset-based mobile payment in most countries is still low has been an important research topic for the last 15 years, and it has been analyzed from different perspectives. However, the analysis of a single aspect cannot provide a sophisticated answer to the complicated underlying question. The...

Technologies for mobile payments

Mobile payment can offer an easier, faster and more engaging payment experience. New players entered this field with new solutions (e.g. Google, PayPal, Apple and cloud-based payment). Banks might need to adopt these technologies as well to stay competitive. This thesis investigates what are the solutions available in m-payment today. Also, we...