Outline

  • Abstract
  • Categories and Subject Descriptors
  • General Terms
  • Keywords
  • 1. the Growth of Mobile Payments
  • 2. Mobile Payments Are One Part of Mobile Money
  • 2.1 Mobile Banking
  • 2.2 Mobile Commerce
  • 2.3 Mobile Device Participation in Multichannel and Omnichannel Transactions
  • 3. Motivations for Mobile Money
  • 3.1 Reduced Costs
  • 3.2 Increased Reach
  • 3.3 Omnichannel Transaction Capture
  • 3.4 Transaction Fee Capture and Analytics
  • 4. Inhibitors
  • 4.1 Authentication
  • 4.2 Commercial Infrastructure
  • 4.3 Regulations
  • 4.4 Cash Endpoints
  • 5. Summary
  • 6. Acknowledgments
  • 7. References

رئوس مطالب

  • چکیده
  • 1. رشد پرداخت های موبایل
  • 2. پرداخت های موبایل یک بخش از پول موبایل هستند
  • 2.1 بانکداری موبایلی
  • 2.2 تجارت موبایل
  • 2.3 مشارکت دستگاه موبایل در تراکنش های چند کانالی و کانال همه کاره
  • 3. انگیزه ها برای پول موبایل
  • 3.1 کم شدن هزینه ها
  • 3.2 افزایش دسترسی
  • 3.3 انجام تراکنش کانال همه کاره
  • 3.4 تراکنش با گرفتن حق الزحمه و تجزیه و تحلیل
  • 4. بازدارنده ها
  • 4.1 سندیت
  • 4.2 زیرساخت تجاری
  • 4.3 نقطه های انتهایی
  • 5. خلاصه

Abstract

This paper provides a market view of mobile payments. It starts with a discussion of the variety and growth of payments being made with mobile devices. The relationship between mobile payments and their core business drivers, mobile banking and mobile commerce, are explored. How mobile devices reduce costs, increase reach and enable omnichannel business processes are discussed. The disintermediating effect of mobile payments on existing payment processes is explored. Finally, a review of some of the inhibitors for mobile payments growth is considered.

Keywords: - -

Conclusions

The ubiquity of mobile devices has enabled the application of mobile technology to payment processing. Mobile payments are rapidly growing throughout the world. Mobile payments do not stand alone but are integrated with mobile banking and mobile commerce called mobile money. Mobile money is improving the efficiency of banking, enriching the buying experience and empowering the unbanked to increase their participation in worldwide economic growth. Despite historic growth and notable successes, technological, regulatory and cash infrastructures can limit the introduction and expansion of mobile money.

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