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The Role of Competition in the Adoption of Mobile Payment among Merchants

Francesco Pisani, Jürgen Moormann
2018 Digital Transformation – Meeting the challenges   unpublished
Our research in progress is set to investigate the main features of competition that will eventually stimulate merchants' adoption of mobile payment at the POS.  ...  For the successful dissemination of mobile payment, however, it is important that merchants are among the early adopters, as merchants are the ones who directly cover the costs of the system.  ...  aspects of competition that are hypothesized to impact the adoption of mobile payment among merchants.  ... 
doi:10.18690/978-961-286-170-4.35 fatcat:4izifmauiff3nfdmpflp6uolrq

Mobile Payments—Why They Are So Successful?

Lu Lu
2019 Open Journal of Business and Management  
on aprofitable and valuable business model; in order to gain a competitive advantage when facing with fierce competition in the market, firms should respond best to consumer change and merchant feedback  ...  With this brief background in mind, we then address several questions associated with three key actors of mobile payment ecosystem: m-payment service provider, consumer, merchants.  ...  In the market level, we take both of the supply side (service provider) and demand side (service user) into consideration, to identify how mobile payments gain competitive advantage among the payments  ... 
doi:10.4236/ojbm.2019.73078 fatcat:332n42napveklaiislknjea2mi

Adoption of Mobile Payments in Ghana: A Merchant Perspective

Richard Boateng, Eunice Yeboah Afeti, Eric Afful-Dadzie
2019 Americas Conference on Information Systems  
Despite the potential benefits of merchant adoption of mobile payment, merchants still hesitate to employ it in their transactions, making the penetration of merchant adoption of mobile payment relatively  ...  The findings demonstrate that, in Ghana, the business model and nature of the business, contextual factors and technology type as well as competition and cost serve as drivers of merchant adoption of mobile  ...  It was also discovered from the research that merchants adopt mobile payment because of competition.  ... 
dblp:conf/amcis/BoatengAA19 fatcat:7f2sbhzfmbdvrauqrovxw5j4sq

Fintech and the Future of the Payment Landscape: The Mobile Wallet Ecosystem - A Challenge for Retail Banks?

Anna Eugenia Omarini
2018 International Journal of Financial Research  
applied to the new payment landscape; and it outlines the banks' roles in the new mobile payment environment.  ...  In the payments market, mobile wallets represent one of the innovations with highest potential of growth in the consumer-to-business segment.  ...  Acknowledgement The author would like to thank Riccardo Aghito -MsC of Finance -for his job in providing some references. The views expressed in the article are the authors" alone.  ... 
doi:10.5430/ijfr.v9n4p97 fatcat:q7uxbvaqgbfflasxmjxklswy74

Assessing the Role of Trust in Merchant Adoption of Mobile Payments in Ghana [chapter]

Eunice Yeboah, Richard Boateng, Acheampong Owusu, Eric Afful-Dadzie, Joshua Ofori-Amanfo
2020 Lecture Notes in Computer Science  
Encouraged by the crucial need to understand merchant adoption of mobile payment, this study explores the role trust play in the adoption of mobile payment by merchant and the enablers for merchant's trust  ...  Hence, sufficient trust-building structures in mobile payment space are essential for the adoption of mobile payment by merchants.  ...  The questions underpinning the study are: what is the enabler of merchant trust and what is the role of merchant trust in m-payment adoption.  ... 
doi:10.1007/978-3-030-44999-5_17 fatcat:3luajgszgvawrbhk26qalg7r6a

Retailer Adoption of Mobile Payment

Krassie Petrova, Bo Wang
2013 Journal of Electronic Commerce in Organizations  
This qualitative study aimed to identify the motivating factors and the challenges related to the adoption of mobile payment (mPayment) by small business retailers.  ...  Challenges to mPayment adoption included, among others, the need to compete with already established point-of-sale payment technologies and the lack of information about mPayment leading to uncertainty  ...  The framework includes both outer (contingency) factors related to changes in the regulatory, socio-cultural, commercial and technological environments, and inner (competitive) factors related to the roles  ... 
doi:10.4018/jeco.2013100105 fatcat:icxelak7k5b33l2tkdzcztw6du

Succeeding with contactless service innovations - strategic recommendations based on a comparative analysis of mobile business ecosystems in Norway

Per Jonny Nesse, Hanne Kristine Hallingby, Sigmund Akselsen, Arne Munch Ellingsen, Joachim Kähler, Erlend Glück Evensen
2017 International Journal of Entrepreneurial Venturing  
The recommendations include the fact that mobile network operators can succeed in kick-starting contactless mobile payment services by taking a role as a trusted service manager, focusing on establishing  ...  Therefore, in an expansion phase the mobile network operator must open up for collaboration and connect with a portfolio of aggregators, merchants and third party niche players offering secure and high  ...  Valyou embraces this development and thinks it will catalyze the adoption of their mobile payment service; however it challenges the role of the mobile operator (Bolstad og Jørgenrud, 2014).  ... 
doi:10.1504/ijev.2017.082640 fatcat:g5asshnfh5cmva6cjtjq5ne5g4

Succeeding with contactless service innovations - strategic recommendations based on a comparative analysis of mobile business ecosystems in Norway

Erlend Glück Evensen, Joachim Kähler, Per Jonny Nesse, Hanne Kristine Hallingby, Sigmund Akselsen, Arne Munch Ellingsen
2017 International Journal of Entrepreneurial Venturing  
The recommendations include the fact that mobile network operators can succeed in kick-starting contactless mobile payment services by taking a role as a trusted service manager, focusing on establishing  ...  Therefore, in an expansion phase the mobile network operator must open up for collaboration and connect with a portfolio of aggregators, merchants and third party niche players offering secure and high  ...  Valyou embraces this development and thinks it will catalyze the adoption of their mobile payment service; however it challenges the role of the mobile operator (Bolstad og Jørgenrud, 2014).  ... 
doi:10.1504/ijev.2017.10003520 fatcat:zbrysvkatffddfwigiqtd6prky

An ecosystem view on third party mobile payment providers: a case study of Alipay wallet

Jie Guo, Harry Bouwman
2016 Info  
The low penetration of handset based mobile payment in most countries has been an important research topic in the last fifteen years and analyzed from different perspectives.  ...  The paper is structured as follows. Section 2 presents a review of papers on mobile payment research, with a special focus on articles adopting an ecosystem perspective.  ...  regulation, to identify the main forces behind the evolution of technology-based innovations, such as mobile payments, in financial services, and to identify the roles played by market competition, cooperation  ... 
doi:10.1108/info-01-2016-0003 fatcat:whntup6zt5gedgkxmu72mj6wwe

Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption

Marianne Crowe, Marc Rysman, Joanna Stavins
2010 Review of Network Economics  
Both demand-side and supply-side barriers contribute to the lack of adoption of mobile payments.  ...  We contrast mobile payments at the retail point of sale in the U.S. with other countries' experiences and with examples of successful payment innovations in the U.S.  ...  We argue that all of these issues play a role in mobile payments.  ... 
doi:10.2202/1446-9022.1236 fatcat:tc6mce6ihbg2zcqclosfqpw7xi

An analytical framework for an m-payment ecosystem: A merchants׳ perspective

Jie Guo, Harry Bouwman
2016 Telecommunications Policy  
In comparison to the rapid adoption and growth of mobile technologies worldwide, mobile payment service are being adopted at a slower pace than anticipated.  ...  Although merchants play a crucial role in the m-payment ecosystem, there is a lack of insight into merchant behavio, and their interaction with other actors in the m-payment ecosystem.  ...  Acknowledgement We are grateful to the reviewers for their comments which helped us to improve the paper.  ... 
doi:10.1016/j.telpol.2015.09.008 fatcat:jy4xh2khfzfgzly2vyvmyldqfi

Retail Payment Systems: Competition, Innovation, and Implications

Wilko Bolt
2012 Social Science Research Network  
E¢ cient payment services underpin the smooth operation of the economy. Competition and innovation are key drivers for payment market e¢ ciency in both the short and long run.  ...  This paper gives an overview and tries to assess the key determinants that a¤ect pricing, competition and the incentives to innovate in the payment market.  ...  -Will competition among payment providers, networks, or instruments improve consumer and merchant welfare? -How do you encourage innovation among competing players in the payments industry?  ... 
doi:10.2139/ssrn.2192046 fatcat:th6j5msihnfidihctz6exsy5ea

The Optimal Pricing Strategy of a Mobile Payment Service in a Two-sided Market

Ling-Chieh Kung, Chien-Yu Huang
2017 Pacific Asia Conference on Information Systems  
In the short run, we find the platform will have incentives to apply "divide and conquer" strategy by subsidizing customers to adopt the mobile payment service at the beginning of the business.  ...  Acknowledging the high penetration rate of mobile devices, mobile payment is currently a hot topic and is expected to reach the tipping point of rapid growth.  ...  Given that there are 𝑛 𝑀 merchants in the market adopting mobile payment, each merchants will receive 𝑁𝑛 𝐶 𝑛 𝑀 transactions in expectation.  ... 
dblp:conf/pacis/KungH17 fatcat:o57ngtaqibbelbopbwxthpi7by

New Technologies in the Payment System Industries: The SEPA Project

Calabrese
2010 American Journal of Economics and Business Administration  
systems instead of cash for all micro payments, in order to improve both efficiency and competition in the Euro area.  ...  In this study we described the SEPA and its effects on competition and innovation in the payment systems.  ...  Calabrese et al. (2008a) analyzed the role that technology innovation has in the competitiveness and efficiency of the payment system industry.  ... 
doi:10.3844/ajebasp.2010.384.394 fatcat:xn37kgxnbvbrdjcjwxcgdd37sa

Faster Payments in the United States: How Can Private Sector Systems Achieve Public Policy Goals?

Fumiko Hayashi
2015 Social Science Research Network  
While many countries have already developed or are in process of developing faster payments, the availability of these payments is fragmented in the United States.  ...  One way to better align private-sector interests with those of the public is for the Federal Reserve to influence governance of the private-sector systems through its leadership role.  ...  In a new faster payments market, competition among private-sector systems must address the interests of both groups of end users.  ... 
doi:10.2139/ssrn.2623620 fatcat:xjnpl5t53rfynirmlttseg5z4e
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