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Nästa steg i betalningsbranschensutveckling?: En kvalitativ studie om kontaktlösbetalningsmetod ur ett bankperspektiv
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2016 (Swedish)Independent thesis Advanced level (degree of Master (One Year)), 20 credits / 30 HE creditsStudent thesis
Abstract [sv]

Syftet med denna studie var att undersöka framtidsutsikter och utmaningar för kontaktlös betalningsmetod som är NFC-baserad. Detta mynnade ut i frågor som undersökte kring varför enbart ett fåtal banker valt att satsa på kontaktlösa betalkort, vilka utmaningar som NFC-baserade betalningar står inför i den svenska marknaden och även vilka framtidsutsikter den kontaktlösa betalningsmetoden har i den svenska betalningsbranschen. För att svara på dessa frågor, tillämpades en kvalitativ fallstudie med semistrukturerade intervjuer. Två respondenter från varsin bank som infört kontaktlös betalningsmetod i Sverige intervjuades, likaså en respondent från en bank som inte hade infört kontaktlös betalningsmetod i Sverige och ytterligare två respondenter från en annan bank som inte infört kontaktlösa betalningsmetoder i Sverige. Utöver detta, intervjuades även en forskare från Sveriges riksbank och en konsult som arbetar inom ett forum för kontaktlös betalningsmetod. Studien påvisade att anledningen till att ett fåtal banker erbjudit kontaktlös betalningsmetod till sina kunder var till följd av att Sverige varit relativt sena med att byta från magnetremsa som betalningsmetod till chip och PIN, vilket gjort att man ogärna investerade i kontaktlös betalningsmetod. Utmaningar som kontaktlös betalningsmetod står inför är att se till att infrastrukturen utökas i Sverige samt informera kunder om kontaktlös betalningsmetod. Framtidsutsikterna för kontaktlös betalningsmetod är positiva och tanken bland flera aktörer är att kontaktlös betalningsmetod ska vara väldigt utbrett i Sverige år 2020.

Abstract [en]

The purpose of this research was to investigate future prospects and challenges regarding contactless payment method which is based on NFC. These lead to the formulation of questions which researched why only a few banks had chosen to employ contactless payment cards, which challenges that NFC-based payments are facing in the Swedish market, and also which future prospects the contactless payment method has in the Swedish payment market. In order to answer these questions, a qualitative case study with semi-structured interviews was utilized. Interviews were conducted with two respondents from respective banks which had introduced contactless payment in Sweden while additional interviews were conducted with one respondent from a bank which had not introduced contactless payment in Sweden and two respondents from another bank which had not introduced contactless payment methods in Sweden. In addition to this, one respondent from the central bank of Sweden and one consultant working within a forum regarding contactless payment have been interviewed. The study showed that the reason to why few banks have offered contactless payment method to their customers was due to that Sweden had been relatively late in regards to changing from magnetic strip as a payment method to chip and PIN, which resulted in that the market participants did not wish to invest in the contactless payment method. Challenges which the contactless payment method is facing, is to make sure that the infrastructure will be increased in Sweden, and inform customers about the contactless payment method. The future prospects for the contactless payment methods are positive and the intention among several market participants is that the contactless payment method will be very widespread in Sweden 2020. 

Place, publisher, year, edition, pages
2016. , 58 p.
Keyword [en]
Technological acceptance model, Porter's five forces, payment system, contactless payment method, contactless payment cards, bank, Adoption and diffusion, switching cost
Keyword [sv]
Teknologiska acceptansmodellen, Porters fem konkurrenskrafter, betalsystem, kontaktlös betalningsmetod, kontaktlösa betalkort, bank, Adoption och spridning, byteskostnad
National Category
Business Administration
Identifiers
URN: urn:nbn:se:sh:diva-30754OAI: oai:DiVA.org:sh-30754DiVA: diva2:954221
Subject / course
Business Studies
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2016-08-25 Created: 2016-08-22 Last updated: 2016-08-25Bibliographically approved

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