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Technological Innovation in Mobile Payment Solutions: A study on factors affecting the adoption rate of mobile payment solutions
KTH, School of Industrial Engineering and Management (ITM).
KTH, School of Industrial Engineering and Management (ITM).
2019 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesisAlternative title
Teknologisk Innovation inom Mobila Betalningslösningar : En studie på faktorer som påverkar anammandet av mobila betalningslösningar (Swedish)
Abstract [en]

The advent of mobile payment solution has brought a mixed reaction on the mind of potential consumers on whether to adopt or not. Also, the mobile payment has elicited discussion about its future. The major question is on whether the technology will replace traditional banking processes, or if it will act as a compliment. The thesis seeks to promote the adoption of mobile payment by improving available information for stakeholders. The advent of mobile payment technology shows that it has a high number of benefits, but it does not match with the current adoption rate. The statistics show that the majority of users of mobile payment uses it to for smaller transactions such as the purchase of books and food. The slow uptake of mobile payment adoption vis a vis immense benefit of the platform. The disparity motivated the study on factors that influence solution adoptions. The thesis provides a clear linkage of factors such as environmental risk, reputation, trust, perceived usefulness, ease of use and mobility in influencing potential consumer attitude and intention to use a specific payment solution.

Abstract [sv]

Potentiella konsumenter av mobila betalningslösningar har gett en blandad reaktion på huruvida de ska ta sig an innovationen eller inte. De nya betalningslösningarna har även väckt diskussioner huruvida innovationen ska ersätta traditionella bankprocesser eller om de kommer komplettera varandra. Arbetet har i syfte att främja upptagande av mobila betalningar genom att förbättra tillgänglig information för intressenter. Det visar sig att mobila betalningar har större antal förmåner än traditionella betalningslösningar, dock speglar detta inte graden av användningen av teknologin. Statistiken visar att majoriteten av användare av mobila betalningar använder sig av teknologin för mindre transaktioner som exemplvis köp av böcker och mat. Faktorer som påverkar upptagandet av nya innovationer är framförallt säkerhetsrisk, rykte, förtroende, uppfattad användbarhet, uppfattad användarvänlighet samt flexibiliteten av betalningslösningen.

Place, publisher, year, edition, pages
2019. , p. 87
Series
TRITA-ITM-EX ; 2019:463
Keywords [en]
Mobile payment, perceived usefulness, perceived ease of use, attitude, intention to use, environmental risk, reputation and mobility.
Keywords [sv]
Mobila betalningar, anammandet av mobila betalningslösningar, förtroende, uppfattad användarvänlighet, uppfattad användbarhet, säkerhetsrisk, rykte och flexibilitet.
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-264116OAI: oai:DiVA.org:kth-264116DiVA, id: diva2:1372142
Supervisors
Examiners
Available from: 2019-11-22 Created: 2019-11-22 Last updated: 2019-11-29Bibliographically approved

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