Yves Pigneur » m-payment

Near Field Communication

Thu, 01 Jan 2009 15:47:40 +0000

Ondrus, J., Pigneur, Y. (2009) Near Field Communication: an assessment for future payment systems. Information Systems and E-Business Management (ISEB), Vol. 7, Issue 3, p. 347’361. (PDF)

Abstract. – In this paper, we present an assessment of near ’eld communication (NFC) in the context of a payment market. During these past years, we have been witnessing a number of mobile payment trials based on NFC. Early experiences are already quite encouraging and many expect NFC to become a highly ef’cient and effective technology for mobile payments. The objective of our research is to evaluate in a systematic manner the potential of NFC as an upcoming technology for mobile payments. In order to ensure the rigor of our research, we used a formal and structured approach based on multi-actor multi-criteria methods. Our research provides one of the ’rst assessment of NFC and a realistic picture of the current Swiss situation as we involved numerous mobile payment experts. Our ’ndings show that Swiss industry experts are quite enthusiastic about the future of NFC.

(pdf)

Multi-perspective analysis of m-payment

Sun, 21 Dec 2008 13:10:10 +0000

Lyytinen, K., Ondrus, J., Pigneur, Y. (2009) A Multi-perspective Analysis of the Mobile Payment Phenomenon. To appear in Proc. 42th Annual Hawaii International Conference on System Sciences (HICSS), volume 42. IEEE Computer Society, January 2009.

Despite the optimistic predictions concerning the potential developments of mobile payments, successful cases are still very rare. A number of researchers tried to comprehend this complex phenomenon using different techniques and levels of analysis. At this stage, the complexity of the situation clearly requires a multi-perspective analysis. In this paper, we propose the use of three different frameworks found in the literature to analyze the Swiss mobile payment market. In addition, a past mobile payment trial is confronted with different elements of these frameworks in order to potentially detect what could be the success and failure factors in the Swiss context. Our results suggest that market-level analyses of mobile payments still need more attention from the research community. To guide future efforts, we propose some possible further research.

(pdf)

Why Mobile Payments Fail? An Analysis of the Swiss Case

Wed, 08 Oct 2008 07:54:04 +0000

with Jan Ondrus (blog)

at

MobileMonday Switzerland
Mobile payments and bankingEPFL > October 6th, 2008 17:30-19:00

Listen, learn and talk :

Mobile payments and banking is already a mass-market phenomenon in Japan and Korea. When will mobile operators deploy mobile payment and banking to other markets?

How do you manage mobile money? You need a value chain of merchants and payers. You need secure transactions. You need universal usability.Many in the industry are still skeptical of mobile money’s promise. They want scale, simplicity and ways to measure success – all of which are underdeveloped right now in mobile platforms.

What are the main approaches to success? NFC application to transportation, micro-payment and money transfers, full mobile banking?

>>> mobilemonday.ch

m-payment project

Thu, 01 Jan 2004 21:59:20 +0000

(2003-2007)

The objective of this research is to assess the possible disruptive innovation of m-payment in Switzerland using a multi-actor multi-criterion framework. Firstly, a disruptive analysis is conducted to detect a possible sliding from the current payment cards initially introduced by ’nancial institutions to the newly designed mobile payment schemes involving mobile phones and supported by mobile operators. Secondly, another analysis intends to observe a possible switch from an integrated market driven by dominant actors to a more or less self-organized market where mobile payment solutions are o’ered by intermediaries and new-comers.

Doctoral thesis
Jan Ondrus, A multi-actor multi-criterion analysis of m-payment, May 2007.

Research grants
Leading the individual pro ject ’Wireless e-business models and scenario planning’ of the National Competence Center in Research on Mobile Information and Communication Systems (NCCR MICS), a center supported by the Swiss National Science Foundation (NSF) under grant number 5005-67322.