Mobilbetalning
en studie om konsumenters förmåga att acceptera nya betalningsformer
Mobile paymentConsumer perspectiveDriving factorsCard paymentsSwedenMobilbetalningKonsumentperspektivDrivande faktorerKortbetalningSverige
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. Questionnaires are used in order to collect a considerable amount of data. A deductive approach is used to formulate hypotheses from existing theory, which is tested with various statistic methods.Result & Conclusions: The study results display a significant relationship between the users? attitude to start using mobile payment and compatibility and usefulness. The variable that showed no significant relationship was ease of use. The results also showed that the method of card payment is accepted and is therefore main competitor for mobile payment.Suggestions for future research: To investigate which factors future users value between the variables compatibility and usefulness is a possible suggestion for future research. When these two were found to have a relationship with attitude, it can affect the future users? acceptance to mobile payment. It would also be interesting to examine a merchant?s perspective to identify who intends to offer such services. This is an important aspect, as the study results showed that the respondents had lower response rates regarding whether mobile payment could be associated with the availability for use in the market.Contribution of the thesis: The study highlights future users? acceptance of mobile payment and which factors that can be driving for increased spread. The result can provide ideas on what incentives are neccessary to be focused on, to get more of the younger generation to develop a positive attitude towards this service and then apply it. The study results also provide an insight for card companies, as they seek knowledge whether the mobile payment is a threat in the current situation.