Today you can pay in many different ways. You can for instance use cash, credit cards, internet and now even with your mobile phone. Today we can also see new types of technical payment solutions being developed, such as Near Field Communication (NFC), mobile banking or through the use of QR-codes. We have today many different payment methods; therefore it?s interesting to see which payment method people prefer the most.

Aim: Banks? settlement of handling cash and the technological developments of our payment services, leaves us guessing at the outlooks of consumers? payment systems. One of the new payment options arising from this development is Mobile payment. With access to internet, Mobile payment can take over the role as the primary method of payment, as it can be used on any occasion. Questions are raised about which factors that are affecting the future users? attitude to use Mobile payment, and if the service can be a threat to the traditional card payments.Method: This study is based on a quantitative method by the means of a survey design.

This thesis presents the question of a possible breakthrough for Mobile payment solutions in Sweden. The way payments are made and the way cash is being used in the society is changing. To be accepted as an alternative method, if cash isn't king anymore, the new technology will have to acquire user acceptance. In this thesis a case study of Swish, a Mobile payment solution for P2P-payments, is presented. The focus of the study is customer value and technology acceptance of the service.

Internationally most Internet trade related payments are performed with the use of a credit card based payment system on the Internet. Payment against invoice is still most common when trading over the Internet in Sweden. The security development, comfort and timesaving indicate that credit card based payment systems on the Internet soon will have a breakthrough in Sweden as well. The Swedish legislation concerning payment is neither especially extensive nor suited to electronic payments but to payments performed with notes and coins. When the legal effects, of a payment performed with a credit card based payment system on the Internet, set in is not fixed.

Researchers today anticipate that in the near future, the majority of the owners of a smartphone will use it as a wallet, i.e. for contactless payment. The technology that enables contactless payment today is ?Near Field Communication? (NFC), which is increasingly embedded in smartphones. Applications like Mobile payment between a phone and a terminal use NFC.

The e-commerce in Sweden has increased each year for the past several years, but still just over half of all the consumers feels worry about payment security. This could be the reason why over half of the consumers just shopped about one time on the Internet during the whole year of 2009. Another reason could be that the many consumers have a lack of trust to the different payment methods that are available during payment on the Internet, because they might don't possess enough knowledge regarding the payment methods and their security. If the consumers were to gain more knowledge about the payment methods and their security, it may lead to that the they would feel more comfortable when shopping online, and do it more frequently. It is this that will be investigated in this paper.The purpose of the paper  is to research if consumers believed knowledge concerning the different payment methods available on the web and their security influence the consumers trust in the payment methods.

I detta arbete har vi studerat tjänsten SMS-betalning. Vi har fokuserat på att utvärdera och beskriva tjänstens användningsområde samt dess styrkor och svagheter. Utifrån företaget Mobill, vars affärsidé är att utveckla en betalningstjänst via SMS har vi fått en bild av hur ett företag kan satsa på denna teknik. I en studie med konsumenterna har vi visat den generella bilden av inställningen till betalningstjänsten, detta för att vidare kunna utvärdera betalningssystemet. Dessa studier har båda en kvalitativ karaktär.

This essay presents a survey that was conducted on 52 college students regarding their opinions on advertisement received to the mobile phone. The questionnaire survey focused on what college students think of advertising to the mobile phone and what attitude they have towards it. The thoughts behind this study are that advertisement to the mobile phones is something that is getting more popular when the mobile phone is getting more advanced. The result of the study showed that college students are not that interested in receiving advertisement to their mobile phones. Several of the college students that participated in the study already get advertisement to their mobile phones, advertisement that they don't want because it doesn't reflect their interests.

The purpose of this master thesis is to investigate if the mobile library has a similar role as the public library. To study this further we intend to examine the value and function of the mobile library. Answers are sought to the following questions: Can the mobile library be seen as a public library in a smaller scale? How do the users experience the value and function of the mobile library? What does the library staff think of the value and function of the mobile library for the users? What would the consequences be if the service of the mobile libraries would not exist? The method used was qualitative interviews. The groups of respondents are mobile library users and library staff.

The telecom and the IT-industry are converging, which creates new possibilities and threats for both existing mobile handset vendors and new entrants originating from the IT-industry. The purpose of this thesis is to explain how IT-players? entrance in the mobile handset industry affects the industry in regards of key success factors and value chain structure. This study has used dynamic theories to describe the mobile handset industry. The theories have helped us in understanding the characteristics and drivers of the industry and thereafter to identify the key success factors.

This report describes a master thesis performed at SICS (Swedish Institute of Computer Science) and KTH (The Royal Institute of Technology) in Stockholm.Ajax stands for "Asynchronous JavaScript and XML" and it's not a programming language, but a suite of technologies used to develop web applications with more interactivity than the traditional web pages.Ajax applications can be adapted for mobile and constrained devices. This has been called Mobile Ajax. While the technique is the same, Mobile Ajax generally is considered to be a special case of Ajax, because it deals with problems specific to the mobile market.The purpose of this thesis has been to examine which possibilities and disadvantages has the Mobile Ajax from developers and users perspective. In addition we compare Mobile Ajax with Java Micro Edition (Java ME) and Flash Lite.This has been done through literature studies and development of a databased chat client (MAIM -Mobile Ajax Instant Messenger). The application sends and receives direct messages in real time between differently mobile devices.

Rapporten tar upp och behandlar ämnet betalväxlar utifrån en utvecklares perspektiv. Två företag som varit i eller nära inpå processen att utveckla en webbshop har intervjuats och jämförts med utbudet hos ett antal olika betalväxlar. Intervjuerna har visat ett resultat som är mycket troligt att man som ny utvecklare kommer i kontakt med i början. Positionen kan då vara både som utvecklare eller som ägare till webbshoppen. Det gick även att konstatera att det fanns ett antal betalväxlar lämpade för olika kunskapsnivåer.

Mobile technology is developing quickly and becomming a part of daily life and communication. Bluetooth Low Energy is presented as a new way of mobile interaction. However there are not enough studies in this field on the interaction between mobile devices and the physical world. In order to understand user needs, and to encourage users to interact, we simulated an interaction process through designing and testing a prototype in a specific indoor environment. Prototype effectiveness and main characteristics for future mobile application was evaluated through a qualitative user study with 20 participants who interacted with our prototype..

Construction and maintenance of forest truck roads are a necessary element of industrial forestry. Payment for contracting services in this context can be done according to a number of payment models. This study will focus on the methods and consequences associated with a change of Holmen Skog?s payment model from per hour to per metric ton for ballast hauling. The aim of this study is to improve the economic efficiency of Holmen Skog?s ballast hauling in construction and maintenance of forest truck roads. This is done by formulating and evaluating a proposal for a payment model based on crowns per ton.

This report has a purpose to identify the payment methods available for e-commerce, tosee if they fulfill certain requirements. By investigating thirty of the most popular webshops, a few primary services have been found and revised. Security requirements fore-payment systems include authentication, non-repudiation, integrity and confidentiality.Other requirements considered to be important are usability, flexibility, affordability,reliability, availability, speed of transaction and interoperability. Advantages and disadvantageshave been identified to see if the services fulfill the requirements. Also surveysof consumer payment habits have been investigated to identify the factors of decisive importanceto the usage of payment services.