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A theory of the availability and level of consumer protection in online and mobile payments for public economic services

Author

Listed:
  • Luminiţa Ionescu

    () (Romanian Academy, Postdoctoral Program SPODE/Spiru Haret University, Bucharest, Romania)

  • George Lăzăroiu

    (Institute of Interdisciplinary Studies in Humanities and Social Studies, New York/Spiru Haret University, Bucharest, Romania)

  • Silviu Şerban

    (Spiru Haret University, Bucharest, Romania)

Abstract

The mainstay of the paper is formed by an analysis of the factors that influence the community use of mobile payment for e-Government services, the use of mobile payment for the exchange of government goods and services, the types of e-Government services for which mobile payment is suitable, and real and perceived risks associated with mobile financial services. This paper presents a theory of the level of consumer protection and especially the availability of online payment systems and mobile public economic services, and highlights the use of Internet technology to provide effective and efficient public services. We underline the need to configure citizen-centric government services, accessibility challenges associated with the use of mobile, and diverse and transient nature of mobile technology use.

Suggested Citation

  • Luminiţa Ionescu & George Lăzăroiu & Silviu Şerban, 2013. "A theory of the availability and level of consumer protection in online and mobile payments for public economic services," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 15(34), pages 369-384, June.
  • Handle: RePEc:aes:amfeco:v:15:y:2013:i:34:p:369-384
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    References listed on IDEAS

    as
    1. Ion Petrescu & Vasile Dinu & Camelia Ştefănescu & Eugen Dobrescu, 2010. "Human Factor’s Involvement in the Consumer Protection Management," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 12(28), pages 267-286, June.
    2. Carmen Balan & Mirela-Patricia Zegreanu, 2012. "Insights into the Development of the Market of Mobile Marketing Services in Romania," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 14(Special N), pages 786-801, November.
    3. Constantin Brătianu & Ivona Orzea & Ioan Ghişe, 2010. "Media Knowledge Consumers Protection," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 12(28), pages 287-296, June.
    4. Matthew B. Gross & Jeanne M. Hogarth & Maximilian D. Schmeiser, 2012. "Use of financial services by the unbanked and underbanked and the potential for mobile financial services adoption," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Sept.
    5. Fumiko Hayashi, 2012. "Mobile payments: What’s in it for consumers?," Economic Review, Federal Reserve Bank of Kansas City, issue Q I, pages 35-66.
    6. Hans Ruediger Kaufmann & Mohammad Fateh Ali Khan Panni & Yianna Orphanidou, 2012. "Factors Affecting Consumers’ Green Purchasing Behavior: An Integrated Conceptual Framework," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 14(31), pages 50-69, February.
    7. Gheorghe Săvoiu & Constantin Manea & Victor Iorga – Simăn & Florentina Magda Enescu & Mladen Čudanov, 2011. "A Corporate Model of Similitude for SMEs Reunion into a Corporation, Viewed from the Angle of Physical Thought, and Its Complex Economic and Social Impact," The AMFITEATRU ECONOMIC journal, Academy of Economic Studies - Bucharest, Romania, vol. 13(29), pages 10-27, February.
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    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Services of general economic interest; mobile payment; e-Government of mobile technology use.;

    JEL classification:

    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • L63 - Industrial Organization - - Industry Studies: Manufacturing - - - Microelectronics; Computers; Communications Equipment
    • L86 - Industrial Organization - - Industry Studies: Services - - - Information and Internet Services; Computer Software
    • L93 - Industrial Organization - - Industry Studies: Transportation and Utilities - - - Air Transportation
    • J33 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Compensation Packages; Payment Methods

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