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The Potential for Development of Mobile Payments and mPOS Usage on the Polish Market: Empirical Results (Potencjal rozwoju platnosci mobilnych i zastosowania mPOS na rynku polskim. Wyniki badan empirycznych)

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  • Michal Polasik

    () (Uniwersytet Mikolaja Kopernika w Toruniu, Wydzial Nauk Ekonomicznych i Zarzadzania)

Abstract

The aim of this study was to determine the possibilities of lunching in Poland two main payment solutions based on mobile technologies: mobile payments and mobile payment terminals mPOS. A definition of the mPOS concept was proposed and the main characteristics of both solutions based on mobile technologies for retail payments at POS were identified. The analysis is based on the results of the author’s own survey, including a nationwide representative sample of 1,140 merchants operating in 19 industries. The obtained results allowed for establishing the level of interest in these innovations among retailers, taking into account a number of determinants, such as: the industry sector, company size and the fact of accepting payment cards. The market context and the impact of the network externalities were considered. The main barriers to implementation of mobile payments and mPOS by merchants were identified, and synergies occurring between these solutions were characterized. The recommendations regarding strategies for the implementation of mobile technologies on the Polish retail payments market were formulated in the paper.

Suggested Citation

  • Michal Polasik, 2015. "The Potential for Development of Mobile Payments and mPOS Usage on the Polish Market: Empirical Results (Potencjal rozwoju platnosci mobilnych i zastosowania mPOS na rynku polskim. Wyniki badan empiry," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 13(54), pages 65-84.
  • Handle: RePEc:sgm:pzwzuw:v:13:i:54:y:2015:p:65-84
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    References listed on IDEAS

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    3. Church Jeffrey & Gandal Neil & Krause David, 2008. "Indirect Network Effects and Adoption Externalities," Review of Network Economics, De Gruyter, vol. 7(3), pages 1-22, September.
    4. Stango Victor, 2004. "The Economics of Standards Wars," Review of Network Economics, De Gruyter, vol. 3(1), pages 1-19, March.
    5. Terri Bradford & Fumiko Hayashi, 2014. "Mobile payments : merchants’ perspectives," Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 33-58.
    6. Chakravorti Sujit, 2010. "Externalities in Payment Card Networks: Theory and Evidence," Review of Network Economics, De Gruyter, vol. 9(2), pages 1-28, June.
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    More about this item

    Keywords

    mobile payment; mPOS; innovations; retail payments;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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