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Conditions for acceptance and usage of mobile payment procedures

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  • Pousttchi, Key

Abstract

Mobile payment (MP) is crucial for, but not limited to mobile commerce. The key to mobile payment acceptance is in the hands of customers. In this paper we examine the conditions for acceptance and actual usage of MP procedures by the customer. We identify essential conditions which belong to the categories costs, security and convenience. Different preferences lead to an individual set of essential conditions for any single user. We propose a scheme for their representation and comparison and, based on these results, examine the relevance of the different criteria with empirical results. Additionally, we propose an approach to a commensurate condition for the usage of MP procedures based on the theory of informational added values. Finally, applications and constrictions of the results are shown and an outlook on the future of mobile payment is given.

Suggested Citation

  • Pousttchi, Key, 2003. "Conditions for acceptance and usage of mobile payment procedures," MPRA Paper 2912, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:2912
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    Citations

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    Cited by:

    1. Pousttchi, Key & Wiedemann, Dietmar Georg, 2005. "Relativer Vorteil bei mobilen Bezahlverfahren - mobiles Bezahlen aus dem Blickwinkel der Diffusionstheorie [Relative advantage of mobile payment procedures - Mobile Payment from the perspective of ," MPRA Paper 3607, University Library of Munich, Germany.
    2. Linck, K. & Pousttchi, Key & Wiedemann, Dietmar Georg, 2006. "Security Issues in Mobile Payment from the Customer Viewpoint," MPRA Paper 2923, University Library of Munich, Germany.
    3. Cansu TÜRKER & Abdullah OKUMUŞ, 2019. "Mobil Ödeme Kullanımına Yönelik Niyet ve Algıların SosyoDemografik Özelliklere Göre Farklılıklarının İncelenmesi," Istanbul Management Journal, Istanbul University Business School, vol. 0(87), pages 111-139, December.
    4. Türker, Cansu & Altay, Burak Can & Okumuş, Abdullah, 2022. "Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    5. Guo, Jie & Bouwman, Harry, 2016. "An analytical framework for an m-payment ecosystem: A merchants׳ perspective," Telecommunications Policy, Elsevier, vol. 40(2), pages 147-167.
    6. Pousttchi, Key & Zenker, M., 2003. "Current Mobile Payment Procedures on the German Market from the View of Customer Requirements," MPRA Paper 2911, University Library of Munich, Germany.
    7. Dass, Rajanish & Pal Sujoy, 2011. "A Meta Analysis on Adoption of Mobile Financial Services," IIMA Working Papers WP2011-01-05, Indian Institute of Management Ahmedabad, Research and Publication Department.
    8. Dass, Rajanish & Pal, Sujoy, 2011. "Adoption of Mobile Financial Services among Rural Under-Banked," IIMA Working Papers WP2011-02-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    9. Lee, Jiyoon & Ryu, Min Ho & Lee, Daeho, 2019. "A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 48(C), pages 7-15.
    10. Kongaut, Chatchai & Lis, Piotr, 2017. "Supply and demand sides of mobile payment: A comparative analysis of successful mobile payment adoption in developed and developing countries," 28th European Regional ITS Conference, Passau 2017 169474, International Telecommunications Society (ITS).
    11. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.
    12. Pousttchi, Key & Schurig, Martin, 2004. "Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements," MPRA Paper 2913, University Library of Munich, Germany.
    13. Pousttchi, Key, 2003. "Abrechnung mobiler Mehrwertdienste [Payment of mobile value-added services]," MPRA Paper 3784, University Library of Munich, Germany.
    14. Pousttchi, Key, 2004. "An Analysis of the Mobile Payment Problem in Europe," MPRA Paper 2915, University Library of Munich, Germany.

    More about this item

    JEL classification:

    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics

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