Conditions for acceptance and usage of mobile payment procedures

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.

An Analysis of the Mobile Payment Problem in Europe

Mobile payment is crucial for, but not limited to mobile commerce. But a role as an established payment system still seems to be a distant prospect for it. In this paper we examine the basic conditions to mobile payment with special regard to the European market. Based on this, we analyze the current deadlock on the mobile payment market in order to develop a set of requirements to an integrative solution in the form of a Universal Mobile Payment System (UMPS). Finally, applications and constrictions of the results are shown and an outlook on the future of mobile payment is given.

Mobile Business in the Vending Industry

The business of operating vending machines substantially changes by the use of telemetry via wireless technologies. This technology enables operators to change their business processes from a fixed periodical to a needs-based operating and maintenance, generating efficiency and effectiveness added values. In addition, significant advantages can be achieved by real-time error reports, by analyzing and optimizing the product range and the profitability. The paper provides a general introduction in the vending market and the operating process. Based on this, drawbacks and opportunities of the use of mobile communication techniques in vending machines for a business process reengineering are discussed and criteria for the choice of telemetry-equipped vending machines’ locations are developed. The feasibility of the proposed concepts is examined with regard to the current technical state-of-the-art. Finally, conclusions are drawn and an outlook on the future of mobile vending is given.mobile business; mobile business processes; mobile BPR; vending industry; telemetry

Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. This paper analyzes customer needs and expectations from the mobile applications’ view and from the banking view in order to derive a defined set of requirements. Based on these results, existing mobile banking applications are assessed. Their major shortcomings are explained, opportunities for their improvement are shown and the impact of upcoming new technology is discussed. The outcome of the paper is a defined set of customer requirements to mobile banking applications, the identification and assessment of four standard types of current mobile banking applications and an explanation of major failure reasons along with opportunities for their improvement.

Adoption and Impact of Mobile-Integrated Business Processes - Comparison of Existing Frameworks and Analysis of their Generalization Potential

The integration of mobile workplaces in the (electronically mapped) intra-enterprise value chain is a major and still increasing corporate IT issue. Although the usage of mobile technologies for this purpose is far behind expectations and numerous failures can be observed,still little work has been done on theory building in this area. In this contribution we identify and compare existing frameworks for adoption and impact of mobile technology to support mobile business processes. The hypotheses underlying these frameworks are challenged with experiences from three long-term case studies which are diverse in industry, company size and other factors in order to scrutinize their potential for generalization. The outcome is a set of hypotheses that show robustness against variation of major parameters and thus may be suitable to serve as a basis for a generalized and unified framework on mobile-integrated business processes.

The “Mobility-M”-framework for Application of Mobile Technology in Business Processes

In order to provide a structural framework for the application of mobile technology in business processes that can serve as a basis for understanding the organizational impacts of mobile technologies, we present a model, the „Mobility-M“. It puts the technology and the business processes in context with each other by using the theory of informational added values. The aim is to facilitate and visualize the use of mobile technologies according to their potential benefits and effects. This model and its graphical representation significantly enhance the orientation within the introduction of mobile business processes.

Suitability of Mobile Communication Techniques for the Business Processes of Intervention Forces

Intervention forces are special, often state-run organizations that are in charge of surveillance and intervention tasks. Examples are police, medical emergency services, civil defense, and security firms. From a business processes view, intervention forces are a subset of organizations whose operational business is mobile. The contribution analyzes the potentials and limits of mobile business processes for intervention forces. It proposes first approaches in the direction of a fully-integrated process chain for these organizations with regard to the special rules of mobile business.

Current Mobile Payment Procedures on the German Market from the View of Customer Requirements

The key to mobile payment acceptance is in the hands of customers. In this paper we use the results of the mobile payment survey MP1 in order to identify and roughly weigh the most relevant acceptance criteria. The outcome of the paper is an evaluation scheme containing the covered payment scenarios, important main criteria (security, costs and convenience) and additional functionality requirements for each MP procedure. The scheme is based on empirical results and can assess a given MP procedure with regard to customer acceptance as well as to compare different procedures. The operational MP procedures Paybox, I-mode and Vodafone m-pay are examined and compared according to the scheme. Finally, a prospect is given to possible further development of mobile payment procedures in the direction of an integrative universal mobile payment system (UMPS).

Understanding Effects and Determinants of Mobile Support Tools: A Usability-Centered Field Study on IT Service Technicians

The integration of mobile workplaces is a major challenge for companies. First-wave mobile solutions mostly support existing business processes through adding value in terms of increased efficiency. Second-wave mobile solutions comprise a re-engineering of the mobile business processes, add value through increased effectiveness and may even enable new forms of mobility. In order to achieve a systematic approach to mobile integrated business processes it is important to analyze existing processes, focusing on the effects and determinants of mobile solutions that might be used to support those processes. For this purpose we examined a typical example, the field technician support process of an IT service providing company. Our research approach combines usability and process performance issues. The results show which tasks are suitable for mobile application support, which personnel is most likely to benefit from mobile technology and what improvements on business metrics such as labor time, back office capacity, and invoice cycle are to be expected.

Extending Knowledge Management to Mobile Workplaces

Knowledge and Knowledge Management (KM) are evolving into an increasingly eminent source of competitive advantage. However,for the time being, the potential of KM is usually limited to stationary workplaces. This excludes a multiplicity of mobile workers, many of them in charge of knowledge-intensive activities.This paper examines the capabilities and limitations of mobile technology usage in order to support KM. After a general overview of KM, the relevant mobile technology is introduced.Subsequently, the theory of mobile added values is employed to analyze the contributions of mobile technology for supporting KM in the different phases of the KM process. Especially the process of knowledge distribution is qualified to be supported through mobile technology.Knowledge Management; Mobile Commerce; Mobile Knowledge; Management; Mobile Business Processes; Mobile Added Values