This is a post-peer-review, pre-copyedit version of an article published in Journal of Revenue and Pricing Management. The definitive publisher-authenticated version Journal of Revenue and Pricing Management is available online at:Intermediating services are relatively new in research. This study explores how
consumers may determine the value of intermediating services and the extent on
willingness to pay. We investigate a mobile payment technology that intermediates
payments facilitated by a telecommunication company and a bank. We show that a derived effect may persuade consumers to pay higher for the intermediating service when the items purchased has higher surplus to ustify the consumption of the service.
Our study also shows that money has polarity, in that money that is ‘owned’ by the individual is viewed differently from money ‘not owned’
