Title: Users' perception of mobile payment

Authors: Steinar Kristoffersen, Anders Synstad, Kristian Sorli

Addresses: Faculty of Computer Sciences, Ostfold University College, Halden N-1757, Norway. ' Department of Informatics, University of Oslo, P.O. Box 1080, Blindern, Oslo N-0316, Norway. ' Department of Informatics, University of Oslo, P.O. Box 1080, Blindern, Oslo N-0316, Norway

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.

Keywords: mobile content; micro payment; m-payment; e-cash; mobile payment; user perceptions; mobile services; m-services; m-commerce; mobile commerce; mobile phones; cell phones; co-located buying.

DOI: 10.1504/IJKMS.2008.016448

International Journal of Knowledge Management Studies, 2008 Vol.2 No.1, pp.74 - 95

Available online: 28 Dec 2007 *

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