A Disruption Analysis in the Mobile Payment Market

Authors:
Jan Ondrus;Yves Pigneur
Affiliations:
University of Lausanne, Switzerland;University of Lausanne, Switzerland
Venue:
HICSS '05 Proceedings of the Proceedings of the 38th Annual Hawaii International Conference on System Sciences (HICSS'05) - Track 3 - Volume 03
Year:
2005

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Abstract

Mobile payments are predicted to have a bright future as m-commerce becomes more popular. However, this promising application has not been as successful as anticipated. This can be partially explained by the infancy of the market and a lack of standards. Moreover, technological and business issues create a market uncertainty that mobile network operators and financial institutions have difficulties managing. Thus, the evolution of the mobile payment market is subject to many speculative scenarios. This paper analyzes two possible disruptions of the mobile payment market.