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
Mobile Payments: Main Trends in the Retail Industry
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
2014 (Engelska)Ingår i: 25th European Regional Conference of the International Telecommunications Society (ITS), Brussels, Belgium, June 22 - 25, 2014, 2014Konferensbidrag, Publicerat paper (Refereegranskat)
Abstract [en]

The main objective of the ongoing study is to investigate obstacles ans driving forces affecting organization adoption of innovation. In order to that an example of the mobile payments applied in the Swedish retail industry has been used. The main analyzed factors are: adopter characteristics, supplier marketing activity, perceived innovation dcharacteristics, social network, and environmental influences.

The analysis of case study findings helped to estimate some common trends in the adoption of mobile payment services by retailers. As a result, the analyzed factors were categorized as obstacles or driving forces to adoption of the mobile payments.

Ort, förlag, år, upplaga, sidor
2014.
Nyckelord [en]
Mobile Payment Services, Organizational Acceptance of Technology, Service Adoption, Mobile payments, Mobile payment services, Retail, Merchants
Nationell ämneskategori
Företagsekonomi Telekommunikation
Forskningsämne
Företagsekonomi
Identifikatorer
URN: urn:nbn:se:kth:diva-159180OAI: oai:DiVA.org:kth-159180DiVA, id: diva2:782961
Konferens
25th European Regional Conference of the International Telecommunications Society (ITS),Brussels, Belgium, June 22 - 25, 2014
Forskningsfinansiär
Wireless@kth, 6469
Anmärkning

QC 20150123

Tillgänglig från: 2015-01-23 Skapad: 2015-01-23 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(741 kB)488 nedladdningar
Filinformation
Filnamn FULLTEXT01.pdfFilstorlek 741 kBChecksumma SHA-512
06089b6933da5b9850a8f7411afbcf9b0f9439a96ddc44f5ed6fef32325a2d0066aba267d0da878e41d3ad65e6679f8e33d763e618f622a14be414fb748be68d
Typ fulltextMimetyp application/pdf

Personposter BETA

Apanasevic, Tatjana

Sök vidare i DiVA

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

Sök vidare utanför DiVA

GoogleGoogle Scholar
Totalt: 488 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: 1025 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