A Proposal for a Multi-Perspective Analysis of the Mobile Payment Environment

Abstract

Mobile payment is a very promising service, which is still in an early stage of development. Various solutions have been proposed with disparate success. This can partially be explained by the immaturity of the market, by the inexistence of proven business models for the various actors, and by the presence of several unresolved technological and business issues. As these aspects are all relevant and interrelated, the purpose of this paper is to discuss the importance of analyzing the mobile payment environment using multiple perspectives. We therefore present an original approach based on a technology environment assessment framework, which combines the appraisal of different perspectives: namely the market, the actors and the issues that characterize the environment.