Factors influencing adoption and diffusion of mobile payment systems - a holistic framework

University of Technology, Sydney. Faculty of Information Technology.Mobile devices have a potential to become ideal payment devices because they are small, light, personal, convenient, and many people carry them anytime, anywhere. Mobile devices have a number of connectivity options, and their own display and input capabilities. They are already widely used around the world. Mobile payments, despite their potential, have not reached the expected adoption levels. While there may be many reasons for this, previous research focused on few topics only, mainly technology and consumers. The main aim of this study was to find out what is necessary to improve adoption and diffusion of mobile payments. Specific objectives that were proposed to help achieve this aim included: a) identifying all the factors that may influence adoption and diffusion of mobile payments, b) integrating such factors and relations between them in a holistic framework, and c) providing specific recommendations and guidelines in all the various perspectives. Grounded theory was the methodology employed to fulfil these objectives. Qualitative approach was found to be most suitable to this study, and open- ended Web surveys, as well as various kinds of interviews, including email, face-to-face, phone, and focus groups managed to obtain detailed, in-depth information from industry and user participants. The main contribution of this study is the holistic theoretical framework that explains the specific factors that influence adoption and diffusion of mobile payments, provides interesting findings on each of the identified factors, and at the same time integrates such investigations together as one coherent whole that forms a roadmap of success factors for mobile payments. Some of the discovered factors have not been proposed before at all. Some others have been proposed in fragmented explanations that focused on several influences only. Other factors have been proposed before but this study offered more accurate or understandable interpretations or names for them. In addition, this project integrated all the factors together in a holistic framework, pointing out all the important contexts and conditions that providers need to understand and fulfil. Another contribution is a multitude of specific guidelines and recommendations that have been discovered in the participants' data. This study, unlike some other mobile payment projects, additionally devoted much attention to studying mobile payments in relation to other payment methods. The proposed theory with its well explained success factors can be used by providers to improve their current systems or better design new mobile payment initiatives

Enhancing trust in dental care recommendation systems : using trust-enhanced information from social networks to improve the matching between patients and dentists

University of Technology Sydney. Faculty of Engineering and Information Technology.The recent growth in social media has impacted the way users are searching and sharing health information online. Crowdsources, such as review and rating websites, provide an outlet for consumers to share their opinions on healthcare professionals. Yet, faced with the enormity and diversity of information across multiple online sources, finding the right information can be a challenge for users, particularly when there is no consistency in the evaluation criteria across various sources. This difficulty is manifested when existing review and rating websites do not take patient information into consideration. Extremely biased views – positive or negative – are capable of skewing recommendations and thereby compounding the situation. This makes it important to filter trustworthy information from health social networks and dental crowdsources. In the case of dental care, the invasive nature of many dental treatments highlights the importance of selecting a suitable trustworthy provider for many patients, who may be anxious or reluctant to visit a new dentist. By analysing, from multiple perspectives, the trustworthiness of information available to patients, this study proposes a new trust-enhanced information model for dental care recommendation systems. In this model, dentists are profiled based on subjective information extracted from dental crowdsources. Subjective qualities are also used to profile patients. Currently, online social network data cannot be used for profiling purposes due to privacy and identification concerns. Instead, one of the popular personality tests, the DISC personality test, is used in this study. The importance and suitability of subjective qualities for recommendations is explored. Two matching algorithms are evaluated based on the responses to an online survey. When the patients are classified based on their levels of fear, preferred search methods and other attributes, their list of recommended dentists changes. The subjective characteristics of both patients and dentists are important factors which need to be incorporated to improve the matching capability of dental care recommendation systems. Including the subjective qualities of users could change the way that recommendations are provided in the future, especially in the health sector where the wrong information can lead to adverse impacts on health. Although patients’ discussions about their health are sensitive and private, they can benefit from more accurate recommendations in relation to health care providers

Selection of the Appropriate Wireless Payment Technology in Mobile Banking

As mobile technologies are becoming more advanced and mobile devices are making a big impact on daily life, a new type of payment system named mobile payment (m-payment) has emerged, enabling users to pay from their wireless devices especially mobile phones. This paper analyzes currently available Wireless-payment systems and finds the stored-value card to be the best overall payment scheme for mobile banking. A good payment protocol should balance the requirements of security and convenience. WAP (Wireless Application Protocol) is one of the prevalent wireless technologies is being embraced by the banking sector. This leads us to suggest that multiple usages can be added to m-payment systems with higher security merit so that they can gain a critical customer base. This study is trying to compare the way of  WAP , with other payment technologies and wants to show that by using Analytic Hierarchy Process(AHP) method in mobile banking can provide the goals of the users properly

Mobile payment as a multi-sided platform : Success factors and IT governance practices

The aim of this research was to discover factors that lead to mobile payment platform’s success in the Finnish market. Mobile payment research has been ongoing for the past 20 years but no solution has made a clear breakthrough. Research has focused on technological factors, factors concerning consumers and adoption of mobile payment solutions and the majority has been exploratory, early research. Because of the rise of mobile technology and popularity of mobile content, flexible use of mobile phones and growing amount of non-cash transactions is a turning point now possible for mobile payment solutions. Along the success factors this research aimed to consider governance practices and to examine the perceived roles of the ecosystem participants. This is a qualitative study based on a case, MobilePay, a mobile payment platform provided by Danske Bank. Eleven semi-structured interviews (conducted in January 2017) with mobile payment ecosystem participants, industry experts, served as the research data, along with literature and publicly available information. The importance of nine success factors (choice of technology, choice of features, size of the ecosystem and openness, security, service pricing, reliable platform provider, guidance, training and support, successful implementation of service changes and sales and marketing of the platform) was evaluated. Because IT governance has been considered successful in the field of IT, two structures, three processes and three relational mechanisms were chosen to be evaluated to see their suitability in a mobile payment ecosystem. To create a better picture of the ecosystem, the perceived roles and responsibilities of the ecosystem participants were examined. All nine success factors were considered greatly significant for the success of a mobile payment platform. The successful implementation of service changes, the choice of technology and marketing of the platform were seen as the most important factors. User support was perceived the least important. Four success factors, user experience, ease of implementation, ability to use in all channels and loose competition and authoritative control, were added by the interviewees. Both cooperation between the ecosystem participants and clearly defined roles and responsibilities were perceived as critical for success. Solutions should also be based on existing standards. Identified contact persons in the participants’ organizations and a defined development plan were considered well-suitable for governing the mobile payment ecosystem

Bluetooth as an enabling technology in mobile transactions

Mobile Commerce promises to deliver e-commerce services directly into the consumers' hands - anytime, anywhere - using wireless technologies. Applying mobile access to computing creates both tremendous commercial opportunities and complexity, which will make computing globally pervasive and ubiquitous. Customers prefer a choice in the channels through which they do business and the same applies to transactions as well. This paper reports on a project which explored the current state of mobile financial transactions globally using Bluetooth as an enabling technology. © 2005 IEEE