Title: Exploring consumers acceptance of mobile payments – an empirical study

Authors: Omaima Bamasak

Addresses: Department of Computer Science, King Abdulaziz University, P.O. Box 42808, Jeddah 21551, Saudi Arabia

Abstract: With the growing impetus of wireless revolution and rapid increase of mobile devices, it is evident that mobile commerce and payment are becoming a critical component of the new digital economy. Mobile devices are being transformed from simple communication devices to payments platforms. This paper looks into the status of mobile payment in Saudi Arabia in term of consumers| acceptance and concerns towards mobile payments. This study showed that there is a bright future for m-payment in Saudi Arabia as majority of respondents showed their willingness to participate in such an activity. Security of mobile payment transactions and the unauthorised use of mobile phones to make a payment are great concerns to the mobile phone users. Spinning out from the survey results, a list of recommendations is provided that would be of importance to the mobile industry stakeholders in Saudi Arabia and other countries with similar market and consumer characteristics.

Keywords: m-payment systems; mobile commerce; m-payment acceptance; mobile payment; Saudi Arabia; m-commerce.

DOI: 10.1504/IJITCC.2011.039284

International Journal of Information Technology, Communications and Convergence, 2011 Vol.1 No.2, pp.173 - 185

Published online: 29 Mar 2011 *

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