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  • 1.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Barriers to further commercialization of NFC pilots in Western Europe2013In: The Second International Cashless Society Roundtable (ICSR) / [ed] Fergal Carton and Jonas Hedman, 2013, p. 39-41Conference paper (Refereed)
    Abstract [en]

    A mobile payment can be performed in various ways. For example, the Near Field Technology (NFC) integrated with mobile devices provides an opportunity of a contactless mobile payment. However, it is not only payment. The NFC can further expand functionality of mobile phones and enrich consumer experience. Indeed, added value services created by the NFC include mobile ticketing, loyalty applications, smart advertisement, informational service, physical and logical access, and other functionalities.

    However, despite NFC potential to create added value we cannot witness its wide penetration and global spread unless some successful solutions are implemented on a national level. The research aims to define the barriers preventing NFC pilots from entering commercialization stage in Western Europe. Commercialization of NFC mobile solutions needs to overcome a range of barriers and obstacles predefined by macro- and micro-environmental conditions, and individual factors related to consumers, which are analized in this research.

  • 2.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Challenges Related to the Introduction of Innovative Services in the Market: Mobile Payment Services in the Swedish Retail Industry2015Licentiate thesis, comprehensive summary (Other academic)
    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.

  • 3.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Factors Influencing the Slow Rate of Penetration of NFC Mobile Payment in Western Europe2013In: the 12th International Conference on Mobile Business (ICMB2013), Berlin, Germany, June 2013, 2013Conference paper (Refereed)
    Abstract [en]

    The NFC technology implemented on the base of contemporary mobile handsets can provide considerable benefits to end-users. However, despite high level of diffusion of mobile phones in Western Europe, the level of penetration of the NFC based mobile payment is low. A considerable number of trials have been initiated, however, large scale deployment of commercial NFC services cannot be seen. This paper identifies and analyzes different factors that influence the slow rate of penetration of NFC based mobile payment in Western Europe.

    This paper presents a qualitative study based on experience of six NFC pilots implemented in Finland, France, Italy, the Netherlands, Norway, and the UK. The research findings confirm that a number of demand and supply barriers negatively affect the rate of the penetration of the NFC payment. The network externalities and the lack of consumer awareness about NFC services were identified as the most important demand side barriers. The most significant supply side barriers are the lack of uniform technological standards, the lack of NFC enabled mobile phones, and the coopetition issue. In addition, the interrelation between mentioned obstacles was identified. This fact means that a delay in the NFC payment’s diffusion is affected not by a single factor, but rather by a set of interrelated factors. The sources of these obstacles are related to the consumer acceptance, the specifics of business environment, and the technology.

  • 4.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Mobile Payments: Main Trends in the Retail Industry2014In: 25th European Regional Conference of the International Telecommunications Society (ITS), Brussels, Belgium, June 22 - 25, 2014, 2014Conference paper (Refereed)
    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.

  • 5.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Obstacles to investments in mobile payments: The perspective of merchants: Work in progress2013Conference paper (Refereed)
    Abstract [en]

    The main objective of the ongoing research is to investigate obstacles and driving forces affecting merchants’ decision to invest in mobile payment solutions. The core aim of this paper is to present initial results of a desktop analysis revealing the current market situation, identifying main players, and estimating the structure of investment costs. In order to do that available secondary information was analyzed.

    The conducted analysis served to identify market fragmentation existing in the Swedish market due to existence of a number of competing mobile payment solutions. Another finding allows making conclusion, that retailers select to adopt already existing solutions, rather than developing own. Finally, the size of an organization and financial resources are important when making a decision to invest in a new payment solution.

  • 6.
    Apanasevic, Tatjana
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Opportunities and challenges of mobile payment services: The perspective of service providers2018Doctoral 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.

  • 7.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Organizational Acceptance of Mobile Payments2014In: 30th annual International Marketing and Purchasing Conference (IMP 2014), Bordeaux, France, September 4-5, 2014, 2014Conference paper (Refereed)
  • 8.
    Apanasevic, Tatjana
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Primary data collection: Approaches of service providers towards mobile payments2018Report (Other academic)
    Abstract [en]

    Mobile payments are new services enabled by evolution of information and communication technologies. These services can be provided by different types of actors both banks and non-banks. The understanding of capabilities and limitations of different service providers to act in local markets requires further understanding. Implemented research seeks to extend knowledge in this area. I have implemented research focused on approaches used by different types of service providers including banks, independent providers, operator billing providers, retailers, and public transport companies in six Northern European countries.

    Exploratory part of the research aims to address the following research question: What factors stimulate and hinder the introduction of mobile payments? The main objective of this report is to present primary data collected during the research through interviews with contacted companies.

    The collected primary data is classified and organised using the STOF (Service, Technology, Organisation, and Finance) model. Evidence is presented in tables. This primary data is further used for explanatory study. At the same time, this data can be used by other researchers studying the same area. The collected data is reach in facts and presents the overview of different strategies. 

  • 9.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    The Effect of Innovation on Business Networks2014Conference paper (Refereed)
  • 10.
    Apanasevic, Tatjana
    et al.
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Sustainability and Industrial Dynamics.
    Markendahl, Jan
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Mobile payments: a proposal for a context-oriented approach based on socio-technical system theoryIn: Journal of Innovation Management, ISSN 2183-0606Article in journal (Refereed)
    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.

  • 11.
    Apanasevic, Tatjana
    et al.
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Markendahl, Jan
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Mobile ticketing services in the Northern Europe: Critical business model issues2018In: Internet of Things Business Models, Users, and Networks, 2017 / [ed] Morten Falch, Copenhagen, Denmark: IEEE, 2018, p. 1-8Conference paper (Refereed)
    Abstract [en]

    Started as SMS ticketing, today, mobile ticketing services become a platform for combined mobility solutions that integrate mobile ticketing, bike renting, car sharing, and parking payment services. Mobile ticketing services provide a number of benefits for public transport companies and passengers, however, in some Northern European countries, the share of mobile ticket sales does not exceed 10 percent. In this paper, we analyse business models of three types of mobile ticketing services (SMS, in-app, and “Be-In Be-Out” (BIBO)) in order to identify factors that negatively affect wider penetration of mobile ticketing. In order to do so, we use STOF (Service, Technology, Organisation, and Finance) model. The research reveals that there are a number of challenges related to service, technology, and finance domains of mobile ticketing. Due to this, with the help of price policy, many public transport companies push choices of their customers towards use of plastic travel card.

  • 12.
    Apanasevic, Tatjana
    et al.
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Markendahl, Jan
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Mobile ticketing services in the Northern Europe Critical business model issues2017In: 2017 JOINT 13TH CTTE AND 10TH CMI CONFERENCE ON INTERNET OF THINGS - BUSINESS MODELS, USERS, AND NETWORKS / [ed] Falch, M, IEEE , 2017Conference paper (Refereed)
    Abstract [en]

    Started as SMS ticketing, today, mobile ticketing services become a platform for combined mobility solutions that integrate mobile ticketing, bike renting, car sharing, and parking payment services. Mobile ticketing services provide a number of benefits for public transport companies and passengers, however, in some Northern European countries, the share of mobile ticket sales does not exceed 10 percent. In this paper, we analyse business models of three types of mobile ticketing services (SMS, in-app, and "Be-InBe-Out" (BIBO)) in order to identify factors that negatively affect wider penetration of mobile ticketing. In order to do so, we use STOF (Service, Technology, Organisation, and Finance) model. The research reveals that there are a number of challenges related to service, technology, and finance domains of mobile ticketing. Due to this, with the help of price policy, many public transport companies push choices of their customers towards use of plastic travel card.

  • 13.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Stakeholder’s expectations: Mobile payments in retail in Sweden2014In: 13th International Conference on Mobile Business, 2014 (ICMB 2014), London, June 4-5, 2014, 2014Conference paper (Refereed)
    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.

  • 14.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    The mobile payment in retail: Teaching case summary2013In: The 29th Annual IMP Conference (IMP2013) proceedings: Building and Managing Relationships in a Global Network: Challenges and Necessary Capabilities / [ed] Minna Rollins and Brian Rutherford, IMP Group, 2013Conference paper (Refereed)
    Abstract [en]

    The case is written for master level students from business, commerce, and technical areas having some background in strategic marketing and management. The work over case implies a group work and a discussion of a strategy behind taken decision.

    THE OBJECTIVES OF THE CASE

    The main objective of the case is to gain practical skills in and better understanding of decision making in the circumstances of market uncertainty. The decision making process requires analysis of company’s core competences (Collis and Montgomery, 2008), market forces (Porter, 1996; Porter, 2008), and understanding of consumer needs. Students should apply different analysis frameworks in order to develop a strategy improving company’s competitive advantage and leveraging opportunities provided by a new technology, namely a new mobile payment solution. In addition, a consumer-centered thinking should lead to a suggestion of a bundle of attractive added values services build on top of mobile payment solution.

  • 15.
    Apanasevic, Tatjana
    et al.
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS.
    Markendahl, Jan
    KTH, School of Electrical Engineering and Computer Science (EECS), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    The value of mobile ticketing from a public transport perspective2018In: Journal of Payments Strategy & Systems, Vol. 11, no 4, p. 292-305Article in journal (Refereed)
    Abstract [en]

    Within the field of mobile payments, the market segment for mobile ticketing services is expected to grow, driven by the public transport sector. Although a large number of studies have explored the value of mobile payments to customers (ie service end users), there is a lack of research exploring the value of mobile payment and mobile ticketing for business customers (ie transport companies and retailers). This paper aims to address this gap and to explore the kinds of value that mobile ticketing services create for public transport companies. The research considers mobile ticketing services in six Northern European countries. The research findings suggest that within the business-to-business context, mobile ticketing services create multiple dimensions of value, namely enhanced technical functionality; financial value; better working environment; operational value; and reputational and customer relationship value. For passengers, meanwhile, value takes the form of convenience and service enhancement. These benefits are factors driving adoption of mobile ticketing and mobile payment services by public transport companies.

  • 16.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Entrepreneurship and innovation.
    An exploratory study of consumer attitudes towards mobile ticketing in Sweden2013In: 24th European Regional Conference of the International Telecommunications Society: Technology, Investment and Uncertainty, ITS , 2013Conference paper (Refereed)
    Abstract [en]

    Swedish public transport organizations have set an objective to double usage of the public transport during the next coming five years. This study attempts to investigate if the current ticket solutions support the goal of the public transport companies, and if the available mobile phone solutions can lower barriers for consumers. In order to do that, critical travelling moments for users of different market segments were estimated during a pre-study stage. The following focus group discussions helped to validate problems identified during the pre-study. At the same time, focus groups provided deeper consumer insights on general consumer perception of the transport service, ticketing, mobile payment, quality of service, consumer expectations related to the public transport services, and consumer satisfaction and loyalty.

    The conducted research helped to identify problems existing in public transport ticketing and mobile payment areas, which have the negative impact on the usage of the public transport service and contribute with additional barriers for users. Moreover, this conclusion is supported by multiple examples that clearly illustrate what does not work, and why it does not work. Hence, mentioned solutions do not support the overall objective of the public transport operators. The comprehension of these problems and barriers can contribute to a better understanding of consumer needs and expectations, and help the public transport service providers to improve the service.

  • 17.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.).
    Stakeholders' expectations of mobile payment in retail: lessons from Sweden2016In: International Journal of Bank Marketing, ISSN 0265-2323, E-ISSN 1758-5937, Vol. 34, no 1, p. 37-61Article in journal (Refereed)
    Abstract [en]

    Purpose– The purpose of this paper is to explore the reasons behind the slow adoption of mobile payment services. The expectations of the main groups of stakeholders – the mobile service providers, the retailers, and the consumers – of the service in the retail industry in Sweden are examined. Design/methodology/approach– The authors use a qualitative case study of stakeholders’ expectations. The conceptual research framework is based on the theory of diffusion of innovations, the technology adoption model, and network externalities. The proposed framework was tested and validated by empirical findings. Findings– One of the key findings of the research highlights that acceptance of a mobile payment service depends on the ability of mobile payment providers to build networks of both retailers and consumers simultaneously. The service will attract these stakeholders if it meets their expectations in the best possible way. Another finding is that mobile payment services do not meet expectations on an enhanced purchasing process. This is the area for future service improvement. Research limitations/implications– The main limitation of this study is that only a few retailers were contacted. Practical implications– First of all, criteria from the developed research framework can be used as a guide for mobile payment service development. Second, when developing and providing a mobile payment service, mobile payment providers need to have a good understanding of the needs and expectations of retailers and consumers. Originality/value– Stakeholders’ expectations have not been a focus for research in previous studies. This is a new research object.

  • 18.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Entrepreneurship and innovation.
    Stakeholders’ Expectations of Mobile Payment in Retail: Lessons from SwedenManuscript (preprint) (Other academic)
  • 19.
    Apanasevic, Tatjana
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Markendahl, Jan
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Entrepreneurship and innovation.
    Stakeholder’s expectations: The case of mobile public transport ticketing in Sweden2014In: 13th International Conference on Mobile Business, 2014 (ICMB 2014), London, June 4-5, 2014, 2014Conference paper (Refereed)
    Abstract [en]

    One of the main areas of mobile payment application in Sweden is mobile public transport ticketing. The main stakeholders involved in this service are mobile network operators, mobile payment service providers, SMS ticket’s “technology solution” providers, public transport companies, and consumers.

    Traditionally, mobile operators have had a strong position in this niche since the mobile phone bill or pre-paid subscriptions were used for end-user billing. Due to financial regulation, this situation was changed in February 2013 when new SMS payment solutions were introduced for all public transport companies in Sweden. A number of new actors entered the scene, and the position of existing actors changed dramatically. At the same time, the Swedish mobile operators formed a joint venture, 4T Sweden, offering a new mobile payment solution – WyWallet.

    The main focus of this paper is on the change of expectations of different stakeholders taking part in provisioning of SMS payment services. Analysis has been performed by comparison of the initial expectations before the introduction of the new SMS payment system and the real outcome in approximately half a year time. Analysis revealed the fact that expectations of a number of stakeholders about mobile payment services did not come true. Moreover, due to barriers set by the mobile payment solution, mobile payment transactions in public transportation is dramatically lower than what SMS payments were before the market changed.

  • 20.
    Markendahl, Jan
    et al.
    KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth. KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab).
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Mobile operator strategies to enter or stay in the market of mobile payment services: Teaching Notes2013In: The 29th Annual IMP Conference (IMP2013) proceedings: Building and Managing Relationships in a Global Network: Challenges and Necessary Capabilities / [ed] Minna Rollins and Brian Rutherford, IMP Group , 2013Conference paper (Refereed)
    Abstract [en]

    The case is to be used for identification, selection and analysis of company strategies with focus on decision making for companies providing mobile services. The target groups are both managers in the industry as well as master level students in areas like business administration, industrial marketing, industrial economy, and information and communication The work using the case includes a group exercise with identification and analysis of different strategy options for a sequence of events where market conditions change.

    In the case the students will represent the management of a mobile network operator (MNO) that needs to adapt to market changes related to mobile payment services. An ccompanying, but totally different, case covers the use of mobile payment services by big retailers.

  • 21.
    Markendahl, Jan
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS. KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Trends towards fragmentation of the mobile payment market in Sweden2013In: The 29th Annual IMP Conference (IMP2013) proceedings: Building and Managing Relationships in a Global Network: Challenges and Necessary Capabilities / [ed] Minna Rollins and Brian Rutherford, IMP Group , 2013Conference paper (Refereed)
    Abstract [en]

    In Sweden many new mobile payment solutions and services have been proposed during the last years. Banks and payment providers have proposed different forms of person to person (P2P) and Point of Sales (PoS) services that are tested and taken into commercial use. The Swedish mobile operators have joined forces and formed a joint venture that offers a separate charging solution that can be used for mobile payments and e-commerce, i.e. not using the phone bill. Early 2013 the SMS ticket for public transportation was changed substantially with the entrance of many new actors. 

    In this paper we use the ARA model (Activities, Resources and Actors) in order to analyse the new mobile payment solutions and services looking into the activities, roles and responsibilities of different actors. We also apply the activity system approach describing the Activity system content, structure and governance and activity design themes indicating the main value creation drivers. The analysed cases include mobile payment services for P2P transactions, payments in shops, and ticketing for public transport and parking. The technology, services, and new constellations of actors seem to work fine but there are challenges for the adoption of new services both due to both the multitude of solutions as well as the need to register and manage new user accounts with the payment providers offering new solutions.

  • 22.
    Markendahl, Jan
    et al.
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Apanasevic, Tatjana
    KTH, School of Information and Communication Technology (ICT), Communication Systems, CoS, Radio Systems Laboratory (RS Lab). KTH, School of Information and Communication Technology (ICT), Centres, Center for Wireless Systems, Wireless@kth.
    Arvidsson, Niklas
    KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Entrepreneurship and innovation.
    Mobile ticketing: It is not only about 'cashlessness"2013In: Proceedings of the Second International Cashless Society Roundtable (ICSR): 17 & 18, 2013 / [ed] Fergal Carton and Jonas Hedman, 2013, p. 20-22Conference paper (Refereed)
    Abstract [en]

    A mobile payment service is much more than the transaction, the payment is one part but other types of services and values can be added. In a Swedish research project with public transportation companies KTH researchers look into mobile services for the public transport. The mobile services include integrated solutions for information services, ticketing and payments. For the public transport sector, payment and ticket solutions is one way to attract new types of customers, to decrease barriers for users and to increase the use of public transport in general. These mobile services mainly target segment that do not use public transport on a daily basis, both car drivers (that never or seldom use public transport) and those that quite often (but not always) use public transport. From a research perspective, it is interesting to study mobile services for public transport since it is used by many persons – and often. If mobile payments can take off in this area it may be an “island” that can grow.

1 - 22 of 22
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