Mobile payments: Partner or perish?

Publication Type:
Conference Proceeding
Citation:
Advances in Computer Science and Eng.: Reports and Monographs - Innovative Applications of Information Technology for the Developing World - Proc. of the 3rd Asian Applied Comput. Conf., AACC 2005, 2007, 2 pp. 240 - 247
Issue Date:
2007-12-01
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Mobile payment hype posits that Mobile Commerce will deliver e-commerce services directly into the consumers' hands - anytime, anywhere - using wireless technologies. However our research has indicated that in the short term at least these services will likely be low value and various mobile payment initiatives have failed or will fail. Applying mobile access to computing creates both tremendous commercial opportunities and complexity, yet will make computing globally pervasive and ubiquitous. Providing such services is fraught with problems such as legal and security issues as well as the need to track payments whilst the consumer is on the move and the mobile device may drop out. Customers prefer a choice in the channels through which they do business and the same applies to mobile payments as well. The research questions are: Is it necessary to partner to achieve success in the mobile payment area? Is it a case of partner or perish? This paper reports on three Australian Case studies to explore the current state of mobile financial transactions and illustrates the difficulties faced by both mobile payment enablers and 10090 consumers.
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