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Mobile payments: a proposal for a context-oriented approach based on socio-technical system theory
KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.ORCID iD: 0000-0001-8350-9440
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Sustainability and Industrial Dynamics.ORCID iD: 0000-0003-1226-2799
KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
(English)In: Journal of Innovation Management, ISSN 2183-0606Article in journal (Refereed) Submitted
Abstract [en]

A recent review on mobile payment research by Dahlberg et al. (2015) concludes that there is a need to synthesise this research area by studying contexts in which innovation is done as well as to integrate different aspects of research. This article aims to provide a proposal for how to achieve such integration and context-orientation by building on previous studies as well as an additional review. Our systematic literature review of mobile payments research is focused on papers published during 2006–2016. The main objective is to examine how mobile payments research has been conducted from the methodological and theoretical perspectives. Our findings show that research on mobile payments is a multidisciplinary research. Three main themes, which are in line with previous studies, in research are: customer adoption, technological aspects, and business aspects. Moreover, research is mainly analytical based on deductive approach. To meet the challenge formulated in the previous research, we propose and apply a socio-technical system framework to achieve synthesis and context-specific consideration in future research on mobile payments.

Keywords [en]
Literature review, Mobile payments, m-Payments, Socio-technical systems
National Category
Business Administration
Research subject
Business Studies
Identifiers
URN: urn:nbn:se:kth:diva-226553OAI: oai:DiVA.org:kth-226553DiVA, id: diva2:1199253
Note

QC 20180420

Available from: 2018-04-19 Created: 2018-04-19 Last updated: 2018-04-20Bibliographically approved
In thesis
1. Opportunities and challenges of mobile payment services: The perspective of service providers
Open this publication in new window or tab >>Opportunities and challenges of mobile payment services: The perspective of service providers
2018 (English)Doctoral thesis, comprehensive summary (Other academic)
Abstract [en]

 Mobile payments are transforming the payments industry. These services open up the opportunity for non-banking actors to enter the market. In order to embrace this challenge, banks, traditional payments market players, are forced to launch mobile payments. However, in Europe and most developed economies, a big number of launched services get terminated soon after their introduction in the market. Hence, the ability of different actors to act locally calls for additional research.

The main objective of this thesis is to broaden knowledge and understanding about the ways mobile payment service providers address the opportunities and challenges of mobile payment services. In order to investigate this problem, this research (i) explores factors stimulating and hindering the introduction of mobile payments using perspectives of different types of service providers (i.e., banks, independent providers, direct operator billing providers, retailers, and public transport companies) and (ii) seeks to explain the importance of these factors for each type of provider.

The primary data collected using interview method. More than 40 industry representatives in six countries were contacted. The Service, Technology, Organisation, and Finance (STOF) model was used as a theoretical research framework. This is a business modelling framework that specifies a set of critical design issues that have to  be considered within each model’s domain.

Research findings highlight that the organisation domain is the key domain, which  affects all other domains and has an impact on the general viability of the business model. A comparison of the approaches used by different service providers to address each of the critical design issues helped to identify the factors that are most important within each domain. These factors stimulate or hinder development of a viable business model within each category of service providers.

This research contributes to a better understanding of challenges and success factors associated with the design of business models for new mobile services and uses the lens of the STOF model. The contributions to the academic research on mobile payments are: (i) collection and analysis of a rich empirical data set on mobile payment services implemented in six Northern European countries, (ii) discussion of a bigger picture by connecting research findings to the context of the existing payment system, (iii) extension  of knowledge on business models for mobile ticketing, and (iv) extension of knowledge on the value of mobile ticketing services in the business-to-business (B2B) context.

Abstract [sv]

Uppkomsten av mobila betalningslösningar förändrar betalningsindustrin. Tjänsterna erbjuder möjligheter för nya aktörer att komma in på marknaden. Detta utmanar traditionella aktörer såsom banker vilka börjat att införa mobila betalningstjänster. I Europa och andra utvecklade länder visar det sig att ett stort antal av dessa nya tjänster dras bort från marknaden strax efter att de lanserats. Därför behövs fördjupad forskning kring olika aktörers förmåga att agera på lokala marknader.

Det övergripande syftet med denna avhandling är att bredda kunskap och förståelse om hur tjänsteleverantörer hanterar möjligheter och utmaningar med mobila betalningar. Forskningen har fokuserat på att: (i) identifiera faktorer som stimulerar eller försvårar  lansering av betalningslösningar för olika typer av tjänsteleverantörer (banker, oberoende betalningsleverantörer, telekomoperatörer, detaljhandel och kollektivtrafikföretag) och  (ii) förklara inverkan av olika faktorer för varje typ av leverantör.

Forskningen baseras på primärdata insamlad från intervjuer med drygt 40 aktörer i sex länder. Som teoretiskt ramverk används den s.k. STOF modellen (Service, Technology, Organisation, and Finance) som är ett verktyg framtaget för analys av affärsmodeller. Den anger olika kritiska faktorer och problem som bör beaktas inom affärsmodellens olika domäner.

Resultaten pekar på att “Organisation” är den viktigaste domänen i affärsmodellen, denna påverkar de övriga domänerna samt affärsmodellens allmänna bärkraft. En jämförelse av de strategier som olika tjänsteleverantörer använder för att hantera kritiska designproblem har använts för att peka ut de faktorer som är de viktigaste inom varje domän.

Denna forskningen bidrar till en bättre förståelse av utmaningar och framgångsfaktorer i samband med utformningen av affärsmodeller för nya mobila betalningstjänster. Bidragen till den akademiska forskningen om mobila betalningslösningar är: (i) insamling och analys av ett brett empiriskt material om mobila betalningslösningar i sex nordeuropeiska länder, (ii) en diskussion av helhetsbilden genom att koppla forskningsresultaten om nya betalningslösningar till det befintliga betalningssystemet,  (iii) utökad kunskap om affärsmodeller för mobila biljetttjänster, och (iv) breddad kunskap om värdet av mobila biljetttjänster inom business-to-business (B2B).

Place, publisher, year, edition, pages
Stockholm: Kungliga Tekniska högskolan, 2018. p. 131
Series
TRITA-EECS-AVL ; 2018:31
Keywords
Mobile payments, Mobile ticketing, Business model, STOF, Service provider, Payment services provider, Mobila betalningstjänster, Mobil biljettjänster, Affärsmodeller, STOF, Tjänsteleverantör, Leverantörer av betalningstjänster
National Category
Communication Systems Business Administration
Research subject
Business Studies; SRA - ICT
Identifiers
urn:nbn:se:kth:diva-226555 (URN)978-91-7729-745-1 (ISBN)
Public defence
2018-05-30, Ka-Sal C (Sal Sven-Olof Öhrvik), KTH, Kistagången 16, Kista, 13:00 (English)
Opponent
Supervisors
Note

QC 20180420

Available from: 2018-04-20 Created: 2018-04-19 Last updated: 2018-04-20Bibliographically approved

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