A modeling approach and reference models for the analysis of mobile payment use cases
Electronic Commerce Research and Applications
Mobile Payment: Towards a Customer-Centric Model
WISE '08 Proceedings of the 2008 international workshops on Web Information Systems Engineering
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In this paper, we use literature review and multi case study analysis in order to identify and analyze different elements of a mobile payment business model. The result is a set of six partial models:: market model, value proposition model, implementation model, capital model, distribution and communication model, and threat model. These models allow for categorization of any given mobile payment business model and, based on this, structured comparison of different business models. Moreover, the set may also support mobile payment service providers in defining and evaluating business models.