Users' perception of mobile payment
by Steinar Kristoffersen, Anders Synstad, Kristian Sorli
International Journal of Knowledge Management Studies (IJKMS), Vol. 2, No. 1, 2008

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.

Online publication date: Fri, 28-Dec-2007

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