سیستم های پرداخت تلفن همراه
Abstract
1. Introduction
2. Mobile payment systems: SMS, NFC and QR
3. Theoretical framework: consumer mobile behaviour
4. Methodology: scope of study, measurement scales and data collection
5. Data analysis
6. Discussion and conclusions
Acknowledgements
Appendix A. Questionnaire
Appendix B. Demographic profiles of the respondents
References
Abstract
This study compares the factors that determine consumer acceptance SMS (Short Message Service), NFC (Near Field Communication) and QR (Quick Response) mobile payment systems, in addition to determining the principal factors which influence the adoption of these mobile payment systems as means payment. A comprehensive review of the scientific literature has justified the development of a behavioral model that explains intention to use of mobile payments. The results and novelty of this research lies in the formulation of a different behavior according to the use given by users to each of the proposed payment tools. The conclusions and implications for management provide alternatives for companies.
Introduction
In recent years, payment systems have evolved from simply cash or credit card transactions to different types of mobile payment systems. This transition has taken place due to changes in the economy, technological developments on the Internet, the proliferation of social networks, and increased use of mobile devices. Since smartphones are nowadays a pervasive commodity, consumers are benefiting from the ease and convenience of paying for goods and services when approaching this new payment channel. Mobile payment systems have adapted not only to a mostly digital and mobile free reality, but also to a new business climate, facilitating business transactions anywhere, anytime and for anyone. According Tecnocom (2015), while electronic or online payment systems have experienced significant growth, mobile payments have not met the initial expectations (Anil et al., 2003; Liang and Wei, 2004). The reasons are diverse: the strong competition between the various parties involved in the financial ecosystem (major technology companies, FinTech companies, startups, banks, etc.), the simultaneous development of FinTech industry and the challenge that implies the adoption of new FinTech systems by consumers, which is greatly impacted by the scarce knowledge regarding mobile payments (LiébanaCabanillas et al., 2015), the user confidence doubts (Sorkin, 2001; Yu et al., 2018), the complexity of the systems, privacy concerns and a lack of security (Hwang et al., 2003; Qin et al., 2017), among other reasons.