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Cooperation for Innovation in Payment Systems: The Case of Mobile Payments

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  • Marc Bourreau
  • Marianne Verdier

Abstract

In this paper, we study the development of mobile payments as an innovation in developed countries. In particular, we introduce five cooperation models that have emerged or could emerge between banks, mobile network operators, and payment systems, for the development of this new payment method. We also discuss the regulatory issues posed by the presence of mobile operators in the payments market

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Bibliographic Info

Paper provided by University of Paris West - Nanterre la Défense, EconomiX in its series EconomiX Working Papers with number 2010-5.

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Length: 24 pages
Date of creation: 2010
Date of revision:
Handle: RePEc:drm:wpaper:2010-5

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Postal: 200 Avenue de la République, Bât. G - 92001 Nanterre Cedex
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Web page: http://economix.fr
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Keywords: mobile payments; payment systems; mobile banking; mobile commerce.;

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  1. Marc BOURREAU & Marianne VERDIER, 2010. "Cooperation for Innovation in Payment Systems: The Case of Mobile Payments," Communications & Strategies, IDATE, Com&Strat dept., IDATE, Com&Strat dept., vol. 1(79), pages 95-114, 3rd quart.
  2. Leo Van Hove, 2004. "Electronic Purses in Euroland: Why do Penetration and Usage Rates differ?," SUERF Studies, SUERF - The European Money and Finance Forum, SUERF - The European Money and Finance Forum, number 2004/4 edited by Morten Balling, July.
  3. Demirgüç-Kunt, A. & Beck, T.H.L. & Honohan, P., 2008. "Finance for all?: Policies and pitfalls in expanding access," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3508393, Tilburg University.
  4. Jean-Charles Rochet & Jean Tirole, 2002. "Cooperation Among Competitors: Some Economics Of Payment Card Associations," RAND Journal of Economics, The RAND Corporation, vol. 33(4), pages 549-570, Winter.
  5. James McAndrews & William Roberds, 1999. "Payment intermediation and the origins of banking," Staff Reports, Federal Reserve Bank of New York 85, Federal Reserve Bank of New York.
  6. Leo van Hove, 2004. "Electronic Purses in Euroland: Why do Penetration and Usage Rates differ?," Chapters in SUERF Studies, SUERF - The European Money and Finance Forum, SUERF - The European Money and Finance Forum.
  7. Leland, Hayne E & Pyle, David H, 1977. "Informational Asymmetries, Financial Structure, and Financial Intermediation," Journal of Finance, American Finance Association, American Finance Association, vol. 32(2), pages 371-87, May.
  8. Beck, Thorsten & Demirguc-Kunt, Asli & Martinez Peria, Maria Soledad, 2007. "Reaching out: Access to and use of banking services across countries," Journal of Financial Economics, Elsevier, Elsevier, vol. 85(1), pages 234-266, July.
  9. Bedre-Defolie, Özlem & Calvano, Emilio, 2009. "Pricing payment cards," Working Paper Series, European Central Bank 1139, European Central Bank.
  10. Carlos Arango & Varya Taylor, 2008. "Merchants' Costs of Accepting Means of Payment: Is Cash the Least Costly?," Bank of Canada Review, Bank of Canada, Bank of Canada, vol. 2008(Winter), pages 17-25.
  11. Lars-Hendrik Röller & Ralph Siebert & Mihkel M. Tombak, 2007. "Why Firms Form (or do not Form) RJVS," Economic Journal, Royal Economic Society, Royal Economic Society, vol. 117(522), pages 1122-1144, 07.
  12. Bryant, John, 1980. "A model of reserves, bank runs, and deposit insurance," Journal of Banking & Finance, Elsevier, Elsevier, vol. 4(4), pages 335-344, December.
  13. Sujit Chakravorti & Emery Kobor, 2003. "Why invest in payment innovations?," Emerging Issues, Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago, issue Jun.
  14. Waris, F.S. & Mubarik, F.M. & Pau, L-F., 2006. "Mobile Payments in the Netherlands: Adoption Bottlenecks and Opportunities, or… Throw Out Your Wallets," ERIM Report Series Research in Management, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasm ERS-2006-012-LIS, Erasmus Research Institute of Management (ERIM), ERIM is the joint research institute of the Rotterdam School of Management, Erasmus University and the Erasmus School of Economics (ESE) at Erasmus University Rotterdam.
  15. E. Glen Weyl, 2010. "A Price Theory of Multi-sided Platforms," American Economic Review, American Economic Association, American Economic Association, vol. 100(4), pages 1642-72, September.
  16. World Bank, 2008. "Finance for All? Policies and Pitfalls in Expanding Access," World Bank Publications, The World Bank, number 6905, August.
  17. Sujit Chakravorti & Victor Lubasi, 2006. "Payment instrument choice: the case of prepaid cards," Economic Perspectives, Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago, issue Q II, pages 29-43.
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Cited by:
  1. Marc BOURREAU & Marianne VERDIER, 2010. "Cooperation for Innovation in Payment Systems: The Case of Mobile Payments," Communications & Strategies, IDATE, Com&Strat dept., IDATE, Com&Strat dept., vol. 1(79), pages 95-114, 3rd quart.

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