Towards A Holistic Analysis of Mobile Payments: A Multiple Perspectives Approach
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- Rhoda Boyd
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1 Tw A H Ay f b Py: A u Pv A J Ou, Yv Pu D f If Sy, HEC S f E, Uvy f Lu, 1015 Lu, Swz Ab A b v vu, y u w b y w b k f b. T v b u f k, yz y y bu ff vv. F u, w u w u y w uv f f b y u y u. T, w y v w f v v by u DSS b u- k E I. Ky w: b Py, Du Ay, u-, D Su Sy 1 Iu F, y u y b bw ff k vv f k. A u f w, y v y f uy, by, v. Hwv, f f f u w u. I f, y fw uvv z y. Nwy, v f u w v ff, y u -, b Py. C u. E : j.u@u. (J Ou, yv.u@u. (Yv Pu. P ub E C R A
2 W w u f b v, w y f, b,. Fu, vv f w wk w u ff vv b v. Hwv, y y b bu w f f fb bu [1]. I f, b wk w ub vu y y vy b u v v 3G. Tf, y f k u w. A b ky qu - w y buy y yw y, b y u b f bu. S y b y w b ufu b v f [2][3]. A y, w f y b bv vu w w. T xv u f b f xy u y by f by u vu f -b. T v f y vu y y bu f bf u k [4]. b y y ub f xy -y. T uy f b y u ub f u w. Sv ufu b y y v y b u v f y f y xu. T u v b y by vu quk-v u [5] u ub (.. Ou, b (.. EZPy, FTk, (.. Exxb S, f-f u (.. D, v (.. S by k k (.. Sk. I Su K, f x, NO v ufuy ff b y (, K-, ZOOP w y u u by f u. W k 70 f v H K z -2001, Ou b f ufu y. T y y v u k w - y u by u ( x V C [6] v f. Ev f u w ufuy f f u, uy w u f b y w v; uy y u k f uy f k. Nwy, y y b (..,,. W v uy u, y wy u. F- 2
![Sv ufu b y y v y b u v f y f y xu. T u v b y by vu quk-v u [5] u ub (.. Ou, b (.. EZPy, FTk, (.. Exxb S, f-f u (.. D, v (.. S by k k (.. Sk.](/docs-images/46/23469548/images/page_2.jpg "I Su K, f x, NO v ufuy ff b y (, K-, ZOOP w y u u by f u. W k 70 f v H K z -2001, Ou b f ufu y. T y y v u k w - y u by u ( x V C [6] v f.")
3 u u b b quky u b. I, fw u qu b u y u v: u b vu f. b y v vuz f y u v. Hwv, u y Eu vy w b y wy b y v. Wu u uu f y vv f ff u v b y, vy ffu u f y. T bjv f f yz b y x. T y b u- y f vw f ff k vv. F u y u, w v f by u vw w f v x Swz. By u ff v, w x b b kw f f k. T z fw. I 2, w f f w-byw x f fwk. I w fu v f w b u 3. F y, w w u Rf K fwk [7] w uv f f b y u y v. I 4, w u-k u- w u y (DSS b E I. Fy, w w u 5. 2 A Cf Fwk f b Py Su I fy ff u v vvw f k, w f fwk b w-by-w x. T w u u uu fu y u ff f. I f, y k b x f y v v y. Py v v yy f u, u bk u. I b y x, b wk (NO u ff y v. Ty f b y k. Ty b, bu (C I II. O u w b u. Ty uuy ff y u f k w f. Hwv, f y 3
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4 I ( u b, y u b f (C III IV. I fwk, w u b ff y u u (C I III (C II IV. C b I I I P b I V I I O v ( F u N O S f z N w I F. 1. Cf x A b Fu 1, w u f x y k y u v v vv. T w x f u v b vvw f k w ff v. 2.1 A S f b Py Su F u f u, w f y u u f xy y. T y y u f x u vu. f u k f Sw k. Hwv, v uff u, w b v v u u C I: S C Py S Dv by F Iu I C I, w f w u vu u. T y qu u u by y f u. O f f u u f w P, B -w u b. T y w x u. F u uy, w CASH w u Swz ( Tb 1. D w f f u Swz ub f CASH u, b ufu by u. A fw x wy CASH u Swz. W f u u, y v w. Tf, ub f 4
5 Tb 1 C I: S C Py S Dv by F Iu N CASH D Iu Sw k 1997, CASH w u by Sw bk Sw P. T f v w ff y u. T b y AT bk Swz. Ty u -f- (POS u ub, k, v v. T CASH uuy b x y (... Tf, ub f Sw k vy. f w w ufuy u CASH k. S fw, u fb y y kw w y u u. v, Sw u f y u. H, w y AT, f, y ww wu v b w. Tf, f u u f u v y b b v C II: P-b Py Sy O by NO I C 2, w v y u u b ff by NO w f u. Dff wy w b b y w u ( u- (SI WI (W If u b, ( Du-SI (w : f SI, f WI, ( Du- (bu-, (v x WI, (v y fw. f u qu b. T v u, NO v SS. T Pu SS. T SS qu f u u f SS. A wy u v-b SS. A SS v f. Nwy, NO wk w y f b WAP. Tb 2 C II: P-b Py Sy O by NO N Sw b D I Swz, Sw b u b y u bv v T v w vb y f Sw b u. A USSD (Uuu Suy Sv D ub w w v. T u y ub k. T y u USSD f SS bu b f. T u w y bv. A CD DVD v w u wu u. T w y fuu Sw b w u u f k vy. F w, Sw b (, w, v V Lv f. Ty v f ub k k. 5
6 I Eu, Sy bw fu j NO u O, Tf v, V T-b. T NO 280 u y NO j. T bjv u b f b y Eu. Sy wu w u y f w u u b b. v, y ff b y u x y. A wu b b, wu bby bu v f - Eu. I fuu, Sw b wu k f b y u u. I f, v w - k. Tf, y w f u. A j u Sw NO Sw bk w u u b y u T j - bjv f x b f (b. Hwv, Sw bk k w v u. Ty f ff k w f w vu f x. Tf, wu u f bk, u b b u Sw k C III: I Py S U C I u f y u y by f u. T y f uuy x u w y v fy u b. u v y ub. A ub qu f y, b. A vy ufu b y w u by T Rwy C H K. Ou u f y u. Nwy, Ou v b b v u w. T v b y ub bu fu u 7-Ev v bu w u x [6]. T w ub v u w y. A x y f (.., f u. A y w y f f u f y u v. O v ff by w u SA. Ty u-u f y u u y v (.. fv, f x, u,,. Ty y u 6
7 ub y bu f u. T y f k y f u. I w, u v fy f u w y y. T u C III, w - ff by Pub T f Lu ( Tb 3. Tb 3 C III: I Py S U C N Gxy D T TL (Pub T f Lu u y f bu k. T Gxy w. T y v w vu bu f u. T b u w u w w y b w ub k. L, TL u w b v u ub j ub. T v b u b. T ub (Gé ff v u b v, uu v v f. F w, f u y y f f k. Hwv, Ou ufuy x f u. Tf, Ou b f y ub f u vu f C IV: I b Py Su U b H NO f u w b y vu. Hwv, u f w ff b y. Ty u by NO f u w u. Uuy, y f u v v f b -. Tu, b u w y f y y y f NO b. I Swz, v b v v ff b y y. Evx SS-b b (.. PAY SPAY y f u f. O u u y u wk y v f. I f, NO k fb f fy ffy f y u w SS. v, Evx v f f v w k y. Tf, y wy b fb ub f. A f u 7
8 (.. Nw Quk&, bw Pub Sw b. A vuy u u vy u, w u C IV w Pybx, w fu b y u vu Eu u ( Tb 4. Tb 4 C IV: I b Py Su U b H N Pybx D Pybx w y y y u wk bk u. Pybx y b, w y. T u Pybx u v. O w v, u u u Pybx f f, u [8]: y f -, P--P (P2P, y bk u, y b w (.. x. T u qu f u Pybx f b, bk u Pybx. T v f u y y b ub, bk u ub,. v, u v qu Pybx ub f y f fb v b ub. I u u F, SS y u f u b y. Sv ub, u Hk Cy T F, v SS k b bu w b. Ay, w vy ufu b k u f ub f f u [9]. 3 Dw Duv Pf f b Py Su Nwy, b y u-f y w fy qu f u k [10] [11]. v, b y y ufu f k, ub (f u u f u y. T ff f by C f uv v [12]. T, v, v v w v y k v f k. Tf, u y b by uv y by, ub wu v w w. B u, w f w u w u u: ( y v f y u f ; ( -v u u b by f-z u v by w ( Fu 2. 8
![v, u v qu Pybx ub f y f fb v b ub. I u u F, SS y u f u b y. Sv ub, u Hk Cy T F, v SS k b bu w b. Ay, w vy ufu b k u f ub f f u [9].](/docs-images/46/23469548/images/page_8.jpg "3 Dw Duv Pf f b Py Su Nwy, b y u-f y w fy qu f u k [10] [11]. v, b y y ufu f k, ub (f u u f u y. T ff f by C f uv v [12]. T, v, v v w v y k v f k.")
9 C 1 b D u I P 1 b O 1 v D u I I S f 1 z F. 2. T Tw P Du Dff, u -u y v b fy f uv [10] uu v [13], u,, y [11], x [14], u- -k [7]. F u y, w u by Rf K [7]. Ty u u v f x ( Tb 5. F, bu f w b b u. v, uv y u by u f uy ub. Rf K -k u f fy,, w bu f k u ky u. T y y uv f w b b f. T vu ff bu f, w u v xy vw w Sw b y x. W vv w wk f ff u u f u, NO, b v v (ASP y v. I u f fwk, w ff b y u f x. T bjv w v u v y f w u. T wk f ff b y v v u f u, NO, b v v (ASP y v. E f w qu bu f b u b y k. T vw - qu k bw A Ju 2004, v w u. I x ub, w w b vu f bu f f w u. T w u u xy vw. 9
10 Tb 5 Rf K: Sx S Fwk [7] S Qu 1. F k y C u f (uuy k bw? 2. k y D u f b k? 3. Cu Hw u vu u ff v ub? 4. Cu w Hw y u w f ub u? 5. Iub D ub v b u? 6. Iub D v ( u ub u vu? 3.1 Du I: F C-b P-b Su T u b y u b u b y u y ff w b. v, ub f b vy. Tf, w u x vuy w u fuu. T u y u wu y v NO y v. T y u f y u u b w y. A w f u u u b wk w b. A y b, v b u y w b. T b u f y f u b wu b v y f u bu f f. T wu b by, RFID, v fw-b u. A fu u Nk, P Sy wk NFC (N F Cu. T v y ff bf f v f b y b v wu b b. Tf, u wu b b u w v. I Fu 3, w v uz ff bu f vu v by vw f f u. T v u y 10
11 vvw f u Sw k. A u f vu, w y b b w f f u. v, y bu NO u y v v. Hwv, y u k y w bby b y y wu bk fuu. f vw b b y u f fuu y. Tu, k y b y f u vu. 3.2 Du II: F O-v Sf-z Su A NO f u k f f, v f u. Tf, w f y x. Nw uuy v f z b. T k vy v f bu f f. A w y u k f v f by u. T v u w u b vu f. T w ff v w f fuy, bu u w. T f u f f-z u b y. T b vuy H K w Ou. F, w bv u by f-z b. T vu f u y w Fu 4. T vu w f f-z u u. Hwv, b b k y v. I f, ffu vy b u. Hwv, f f y z k vy v. v, uuy w u y. Su y w ky f: u- b vu f. Y, y Swz v y f u. 11
12 u v S w N & N 1 50 S w S N ( f w w w f ( S w + H C AS v f w N + v ( ' N + ' N u S b P I u D u S b C u b F E v u b F S. ( u vu b L f S,,. (. b v w F 1. : v b ( O (3 b x b w b y W AP y u A S, P P b E x y b f u y k 7 0% O w k b z u f f u w N Of y O k S w k k f u y k b b f y S S Df u y. ( u y ( f z B D + + b y yu y P y w f v O v f y v k b ( b wy ( b. ( u y u f y ( u v k b f k b f u f f u E b y u f S R qu v u f u ' f k b w k u B N U f u u k U F y f L y O O C u 3 C u b I u b I u. 6. F. 3. F C-b P-b Su 12
13 S u u C F f + w f w + f A + u u S z f î I u D u S v î O u b F E v u b F S (. f w k E x S F 1. f y y k b u b y u v b A b u Df 2. k w S k b f S b f b y y k P (.. y u f k b (. u f f B N v b, N C u 3. v ( v yx v D R S u y f N u b f y ( v C u b 4. I u b 5 I u. 6. y w N b ' O N ' u F b b f SI O N u b u v b u u I b N u b y u F. 4. F O-v Sf-z Su 13
14 3.3 A Bf Cu Du Ay A w ff vw b y b u vu y uy. Hwv, bu u v bf b y u y k ff. A NO ky b w f u, u f b y f bk. Ty u w u ff b u f k. N y f w, wk f y bv v. Hwv, -b u y k y y u. Tf, w f ubu xu f u u. T y w uv f f b y. Tf, v v bv k uu wy. T f f k v b u u f xy uy. F u, w x u u-k, u- fwk ff f f k f x f v v f b y. 4 A u-k u- k Ay I, w u-k, u- vu f b y f k v. U fwk, w y f u fy y b y k. W bv k u vu f u x u fu f b y u. I f, y u u y v f k y. 4.1 T Sk T f b Py k F u, w f u f k b y k; v,, u. W u vu u u vu ff u. 14
15 A bfy u bv, vu w w u b b y v. T ff y b bu f vu y u v. W f b y. T f v b w RFID (R Fquy If. T b vy u f y. Ty, b, vy y u. Ty y u uy quk-v u. T, w b u xy wk u Bu, RFID, If. T y f u f xy y w. Fy, w u b u wk (.. GS, GPRS, UTS, EDGE, WLAN,. T v ub f y u /-. W u w vy u y u (.. VISA, (.. P. Tb 6 T Fv S T Ty C (RFID b xy (Bu, RFID, If b (GS, GPRS,... S Ex Ou Pybx V, C CASH, P, Gxy E f u v wbk. S v v. F, b y v v u bf u. Ru y w ff y u y u f f b x bu v u bu u u k. 4.2 T Sk T C W u k u vu ff u w. A vy v f u, w k u bu fwk f f T Pv Gu Tb 7 u v f v (F u, NO, I. T w b u vu fv Tb 6. 15
16 Tb 7 T Pv Gu C C D Rf C Oz Tw y f : fx, f fuu, vb. I v w y. I f u w u u b. H w y u. w. [15]; [16] Suy Lv f uy f y. [15]; [17] S S by f y. I f u b k. [16] [17] T Cu Gu T u u wu u b y. f Tb 8 v f Ty A (TA [18] x f f b y by [19]. Tb 8 T Cu Gu C C D Rf C Iv f v. C f. [15]; [20]; [19] E f u Exv Tu Uvy Ufu E f u f v u. Nub f u v. Pby f u x /f by u y. Pz u b f. E u. Dff bw vu. A v f u y u f b qu v v. W fuu v fqu f k, u b. Ab u y yw. Uvy u f y u k. U y f. R u. [17]; [20]; [19] [19] [21]; [19] [17] [17]; [19] T Gu T b v ju u u w y. T u f f w y fuu wy. I, y vy f, y vy xv. 16
![[15]; [20]; [19] E f u Exv Tu Uvy Ufu E f u f v u. Nub f u v. Pby f u x /f by u y. Pz u b f. E u. Dff bw vu. A v f u y u f b qu v v.](/docs-images/46/23469548/images/page_16.jpg "W fuu v fqu f k, u b. Ab u y yw. Uvy u f y u k. U y f. R u. [17]; [20]; [19] [19] [21]; [19] [17] [17]; [19] 4.2.3 T Gu T b v ju u u w y.")
17 Tb 9 T Gu C C D Rf C Fx f y fuu. T f k f qu. Cu b Nub f x u. [15] E f u E f u f y y. [17] Rby T wy ufuy. [15] Suy Suy v fu. [15] Vu v N y f b b bu f ff f. Iv f u x. [15]; [16] [22] 4.3 Iu Ay U E I E I bu CD f F [23]. T w by vy u f C, F E P. W A b B w A u w B, w wu y k A f B. I w, A uk B. U uu, w bv vu f f. Fy, w b f b u w k f. T u u u v f xy vw bv, xv u, x u v fu u. T u f E I v x. I x, w w b w w u f. T x vy bu w. Tf, u w vu f bu vy b vu u b. T b f w x v uk x w f u uk b vu. F w w uk v vuz f uk. T f u w x f, w w u u by [24]. T b -x y [25]. T vu f u x w vu fu y x. F u, w k vu. Tf, vy v. Hwv, f vu x u u b fu. 17
18 4.4 Ru w u DSS F y, w u DSS b E I u fu bv. T IT f u f vy f y f u f uy u u. v, u f y, u b vuz u f u y u vy y. O ff vu f b, DSS u x f u u. C O N S U E R F O u k G E R C H A N T F O u k G C C b " P x y " b " P x y " S S b " R " C C b " R " C C P R O V I D E R F O u k G G R O U P F O u k G C C b " P x y " b " P x y " S S b " R " C C b " R " C C F. 5. T Ouk G I Fu 5, fu uk w b f u y. T u uk w f, y uk by y u. T u vy u u y k. v, b b u. P-b u y uk by vy u. T y u f u vy w vy w. F, uk u. T b x by f y vy v by w, f y, by. v, vu w vu 18
19 by ff u u y. O v, b u f u. I, f w y y b b k. T u u y u f -b u f w k. F u, b y k by y uk. T y u f b u bu w kw w f. 4.5 Bf u f u k y T y w w w w v f u (Fu 3. W u -b u f w u k. T -b u v y fw. Hwv, w vy y, w u bv f vu f u, f u, uvy w v. I b ju qu f bf b u w b u. W v y A u u Su K J f u. I f, b y w wy u u. T u f y f u f k w y w uv y. v, w f f. T u u b f f bu k f. Tf, f y vu f w, b u. 5 Cu I, w u u v yz b y k. Fy, w f fwk w y u w Sw u. Sy, w u quv y f w u u v f f fwk. Ty, w u-k, u- vu f b y f k v. T ff u-v y w u v vw f k. v, w b bu u f Sw k - 19
20 w vv y. T u f u y w b y y y k v k. Hwv, ff k y u b x b vu y k. y u wk b k b v. S f, y fw w y u u uy. v, k b qu y b y. Tu, f f v vu u (.. ub, b y vy v v y u. T u fu, w f k. W, w wu b b u quv y f u f b w y b. Akw T wk w u by N C C R b If Cu Sy (NCCR ICS, u by Sw N S Fu u ub Rf [1] K. W,. Sub, G. Zv, b y - f b, : L. F, G. ü, U. G. W (E., E C, S I Wk, WELCO 2001 Hb, Gy, Nvb 16-17, 2001, P, V f Lu N Cu S, S, 2001, [2]. S. D, J. F. H, R f y: A f fuu k, : 16 B C Cf. B, Sv, [3] A. Hzb, Py bk w b v, Cu f AC 46 (5 ( [4] b Py Fu, Eb u, b, u-fy b y (W P
![Rf [1] K. W,. Sub, G. Zv, b y - f b, : L. F, G. ü, U. G. W (E., E C, S I Wk, WELCO 2001 Hb, Gy, Nvb 16-17, 2001, P, V. 2232 f Lu N Cu S, S, 2001,.](/docs-images/46/23469548/images/page_20.jpg "88 100. [2]. S. D, J. F. H, R f y: A f fuu k, : 16 B C Cf. B, Sv, 2003. [3] A. Hzb, Py bk w b v, Cu f AC 46 (5 (2003 53 58.")
21 [5] A.-., R w v: T f RFID y, C Cu. URL :// [6] P. Y. K. Cu, S. P, Ou: - y y u y, Cu f AC 46 (9 ( [7] F. Rf, P. K, Hw fy yu bf y y yu, Hv Bu Rvw 80 (11 ( [8] - y w u, C Ty Ty 14 (3 ( [9] N.,. R, V. K. Tuu, b bk v, Cu f AC 47 (5 ( [10] J. Bw, C. C, Duv : wv, Hv Bu Rvw 73 (1 ( [11] S. W, R uv y: uy. y -w y uy, T F S C 71 ( [12] C. C, T Iv D: W Nw T Cu G F F, HBS P Bk, [13] S. K, S. W, S. Cu, J. W, P. R, D. W, Cz f uv : v uu v u, IEEE T E (49 (4 ( [14] R. Kff, R. By, G. S, Duv y, T F S C 71 ( [15] Y. Cu, C. L, J. Cu, U - y y u y y, Ju f Bu R 57 (12 ( [16] I. Pfu, C. fv, Evu f y, Ju f E C R 5 (2. [17] S. Kuk, b y: A juy u x u z v, IEEE Cu Suvy Tu 6 (4 ( [18] F. D. Dv, Pv ufu, v f u, u f f y, IS Quy 13 (3 ( [19] A. Zjwk, E. Lw, R. S, Tw u f f fu u f b y y, IADIS WWW/I,. 21
22 [20] K. Pu,. Zk, Cu b y u k f vw f u qu, 14 I Wk Db Ex Sy A (DEXA 03, Pu, Cz Rub. [21] T. Db, N., A. O, Tu y - u f b y u, T Sk by Rub [22] J. Ou, Y. Pu, Cu b y uy, IADIS I Cf -C. [23] B. Ry, C x vu u: L, Rvu F Ifqu R 8 ( [24] T. Bu,. Jk, A f v u u k, I Cf If Sy (ICIS. [25] J. V Nu, O., Ty f bv, 3 E. P Uvy P, P, Nw Jy,
Working Paper Series Department of Economics Alfred Lerner College of Business & Economics University of Delaware
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