Users' perception of risk and trust in mobile payments
Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Smartphones have become immensely popular in the last few years and with this popularity, new usage areas has emerged. One such area is mobile payments which allows smartphone users to pay for products with the help of their smartphones. This area has had a huge growth in different parts of the world but the growth in Sweden has been relatively low. Past studies carried out in other countries has shown that users are concerned with security related to mobile payments and that this concern affects their usage of mobile payments.The aim of this study is to examine how Swedish users perceive risk in mobile payments and determine if their perceived risk might be inhibiting the usage of mobile payments. In conjunction with examining risk, the study will also examine how well the users trust mobile payments and the companies offering mobile payments service in order to examine the relationship between the users perceived risk and trust towards mobile payments.The conclusion of this study shows that users do not perceive considerable risks with the mobile payment technology, however they are concerned about how their personal information is handled by the companies providing the mobile payment services. Trust was not seen as something that influenced the users’ perception of risk in a technological setting but played a big part in decreasing concerns that the user may have towards the companies and the way they handle their personal information.
Place, publisher, year, edition, pages
2015. , 31 p.
IdentifiersURN: urn:nbn:se:ltu:diva-42793Local ID: 0c3c1db1-4b84-44ba-94de-7a4ec52c234dOAI: oai:DiVA.org:ltu-42793DiVA: diva2:1016019
Subject / course
Student thesis, at least 15 credits
Systems Sciences, bacheor's level
Validerat; 20141222 (global_studentproject_submitter)2016-10-042016-10-04Bibliographically approved