Ändra sökning
RefereraExporteraLänk till posten
Permanent länk

Direktlänk
Referera
Referensformat
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Annat format
Fler format
Språk
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Annat språk
Fler språk
Utmatningsformat
  • html
  • text
  • asciidoc
  • rtf
Stakeholder’s expectations: Mobile payments in retail in Sweden
KTH, Skolan för informations- och kommunikationsteknik (ICT), Kommunikationssystem, CoS, Radio Systems Laboratory (RS Lab). KTH, Skolan för informations- och kommunikationsteknik (ICT), Centra, KTH Center för Trådlösa System, Wireless@kth.ORCID-id: 0000-0001-8350-9440
KTH, Skolan för informations- och kommunikationsteknik (ICT), Centra, KTH Center för Trådlösa System, Wireless@kth. KTH, Skolan för informations- och kommunikationsteknik (ICT), Kommunikationssystem, CoS, Radio Systems Laboratory (RS Lab).
2014 (Engelska)Ingår i: 13th International Conference on Mobile Business, 2014 (ICMB 2014), London, June 4-5, 2014, 2014Konferensbidrag, Enbart muntlig presentation (Refereegranskat)
Abstract [en]

One of the main application areas of mobile payment services in Sweden is retailing. The main stakeholders involved in this service are mobile payment service providers, banks, merchants, and consumers. The main focus of this paper is on the change of expectations of different stakeholders taking part in service provisioning. Analysis has been performed by comparison of the initial expectations before the introduction of a mobile payment service and expectations after practical experience of the service usage. Three cases of mobile payment solutions for retailing have been investigated: BART provided by Swedbank, SEQR provided by Seamless, and a service provided by Payair.

The analysis indicates that a number of expectations of stakeholders about mobile payment services did not come true. The results for the different cases differ but the main findings are: banks were excluded from direct service provisioning; merchants see some advantaged to deploy mobile payment, but are uncertain which solution will be a dominant in the market; consumer expectations of improved purchasing experience and usefulness are not met. The performed analysis also helps to identify some of the reasons that can be seen as obstacles for a wider penetration of mobile payment services.

Ort, förlag, år, upplaga, sidor
2014.
Nyckelord [en]
Mobile Payment Services, Stakeholders, Stakeholder Expectations, Retailing, Merchants
Nationell ämneskategori
Företagsekonomi Telekommunikation
Forskningsämne
Företagsekonomi
Identifikatorer
URN: urn:nbn:se:kth:diva-159105OAI: oai:DiVA.org:kth-159105DiVA, id: diva2:782592
Konferens
13th International Conference on Mobile Business, 2014 (ICMB 2014),London, June 4-5, 2014
Forskningsfinansiär
Wireless@kth, 6469
Anmärkning

QC 20150123

Tillgänglig från: 2015-01-21 Skapad: 2015-01-21 Senast uppdaterad: 2015-08-28Bibliografiskt granskad
Ingår i avhandling
1. Challenges Related to the Introduction of Innovative Services in the Market: Mobile Payment Services in the Swedish Retail Industry
Öppna denna publikation i ny flik eller fönster >>Challenges Related to the Introduction of Innovative Services in the Market: Mobile Payment Services in the Swedish Retail Industry
2015 (Engelska)Licentiatavhandling, sammanläggning (Övrigt vetenskapligt)
Abstract [en]

Mobile payment services are expected to be the next step of the electronic payment evolution. However, the level of penetration in European countries is lower than expected. The focus of most academic research has been in two main areas: (i) mobile payment adoption by consumers and (ii) technical aspects of the service. Consequently, a number of themes remain under-researched. In order to expand knowledge on reasons that affect the wider penetration of mobile payments, challenges related to the introduction of mobile payment services in the market have been explored in this thesis.

More specifically, this research has addressed two problem areas: (i) why mobile payments have not been widely adopted by merchants; and (ii) what effects that the introduction of mobile payments has had on the business networks of the involved actors. As an example, we use the mobile payment services applied in the Swedish retail industry. The study is focused on the main groups of stakeholders – the mobile payment providers, the retailers, and the consumers.

First, this study has helped to identify what different stakeholders expect of mobile payments and how these services correspond to their needs. In order to analyse the expectations of stakeholders, we have developed an analysis framework based on the theory of diffusion of innovations, the Technology Acceptance Model (TAM), and the theory of network externalities. The analysis highlights the expectations of stakeholders and helps to understand what kind of mobile payment service merchants expect and are willing to adopt. One key finding is that existing mobile payment services for retailing could be further improved in order to ensure an enhanced purchasing process for consumers.

Second, the research has explored the impact of mobile payment services on the business networks. In order to analyse the relationships and cooperation between business actors, and changes in business strategy and network structure, we used the approach proposed by the Industrial Marketing and Purchasing (IMP) Group. The performed analysis illustrates the following changes in the structure of business networks for the traditional payment solutions (bank cards): (i) emergence of new business actors (i.e. independent mobile payment providers); (ii) new roles and activities of business actors; and (iii) exclusion of traditional business actors (i.e. banks) from the mobile payment systems.

All these changes lead to increased complexity of relationships and increased level of interdependence between business actors within the networks. The following changes in the strategies of involved actors have been identified: (i) mobile payment providers seek to achieve a control over the business network; (ii) the retailers affect strategies of the mobile payment providers; (iii) the marketing strategies of business actors include cross-marketing in different sectors. All these changes result in additional value and enhanced quality of service for consumers.

In order to analyse a complex and multidisciplinary area such as mobile payments, it is beneficial to use more than one analysis approach. A combination of different complementing methods helps to explore different aspects of the phenomenon and provides a more comprehensive overview of several research aspects.

This work contributes to the academic research of mobile payment service adoption by merchants through proposing a theoretical analysis framework. More specifically, the research addresses a new area – expectations of retailers when new solutions are introduced. The framework consists of the following criteria and aspects: technological feasibility, economic benefits, lower service costs, added value of services, network externalities and the problem of critical mass, and finally, ease of use. This framework helps to identify what merchants can expect of mobile payment services.

Another area of contribution is the analysis of the effect that mobile payments make on the actors and business networks of traditional payment services. The introduction of new services results in emergence of new business actors, a need to establish new relationships, and increased complexity of a business network. Moreover, in order to succeed, cooperation between all network actors is needed. As a result, business actors have to adjust their services and strategies according to needs of others.

Ort, förlag, år, upplaga, sidor
Stockholm: KTH Royal Institute of Technology, 2015. s. xiii, 78
Serie
TRITA-ICT-COS, ISSN 1653-6347 ; 2015:06
Nyckelord
mobile payment, adoption, business networks, merchant, stakeholders’ expectations, consumer expectations, organisational adoption, retail, innovation
Nationell ämneskategori
Företagsekonomi Systemvetenskap, informationssystem och informatik med samhällsvetenskaplig inriktning Kommunikationssystem
Forskningsämne
Nationalekonomi; Informations- och kommunikationsteknik
Identifikatorer
urn:nbn:se:kth:diva-172340 (URN)978-91-7595-536-0 (ISBN)
Presentation
2015-09-18, Aula A, Electrum, KTH-ICT, Isafjordsgatan 26, Kista, 13:00 (Engelska)
Opponent
Handledare
Forskningsfinansiär
Jan Wallanders och Tom Hedelius stiftelse
Anmärkning

QC 20150828

Tillgänglig från: 2015-08-28 Skapad: 2015-08-19 Senast uppdaterad: 2015-08-28Bibliografiskt granskad

Open Access i DiVA

fulltext(2989 kB)579 nedladdningar
Filinformation
Filnamn FULLTEXT01.pdfFilstorlek 2989 kBChecksumma SHA-512
a7c72a147e22ddc69dc6d6c032de65ac27ea72a389ad6d6ef4cebd50a06eef064d17410b1fb6093155c823de1f70b1f0d9fdf88559eb53701a5182c1111e93cd
Typ fulltextMimetyp application/pdf

Personposter BETA

Apanasevic, Tatjana

Sök vidare i DiVA

Av författaren/redaktören
Apanasevic, TatjanaMarkendahl, Jan
Av organisationen
Radio Systems Laboratory (RS Lab)KTH Center för Trådlösa System, Wireless@kth
FöretagsekonomiTelekommunikation

Sök vidare utanför DiVA

GoogleGoogle Scholar
Totalt: 579 nedladdningar
Antalet nedladdningar är summan av nedladdningar för alla fulltexter. Det kan inkludera t.ex tidigare versioner som nu inte längre är tillgängliga.

urn-nbn

Altmetricpoäng

urn-nbn
Totalt: 1036 träffar
RefereraExporteraLänk till posten
Permanent länk

Direktlänk
Referera
Referensformat
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Annat format
Fler format
Språk
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Annat språk
Fler språk
Utmatningsformat
  • html
  • text
  • asciidoc
  • rtf