The Electronic Journal of Information Systems Evaluation provides critical perspectives on topics relevant to Information Systems Evaluation, with an emphasis on the organisational and management implications
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Journal Article

Framework for Mobile Payments Integration  pp14-25

Fergal Carton, Jonas Hedman, Denis Dennehy, Jan Damsgaard, Kay-Ti Tan, J. B. McCarthy

© Jan 2012 Volume 15 Issue 1, ECIME 2011, Editor: Walter Castelnovo and Elena Ferrari, pp1 - 148

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Abstract

This paper derives a theoretical framework for consideration of both the technologically driven dimensions of mobile payment solutions, and the associated value proposition for customers. Banks promote traditional payment instruments whose value proposition is the management of risk for both consumers and merchants. These instruments are centralised, costly and lack decision support functionality. The ubiquity of the mobile phone has provided a decentralised platform for managing payment processes in a new way, but the value proposition for customers has yet to be elaborated clearly. This inertia has stalled the design of sustainable revenue models for a mobile payments ecosystem. Merchants and consumers in the meantime are being seduced by the convenience of on‑line and mobile payment solutions. Adopting the purchase and payment process as the unit of analysis, the current mobile payment landscape is reviewed with respect to the creation and consumption of customer value. From this analysis, a framework is derived juxtaposing customer value, related to what is being paid for, with payment integration, related to how payments are being made. The framework provides a theoretical and practical basis for considering the contribution of mobile technologies to the payment industry. The framework is then used to describe the components of a mobile payments pilot project being run on a trial population of 250 students on a campus in Ireland. In this manner, weaknesses in the value proposition for consumers and merchants were highlighted. Limitations of the framework as a research tool are also discussed.

 

Keywords: payments, framework, mobile, value

 

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Journal Issue

Volume 15 Issue 1, ECIME 2011 / Jan 2012  pp1‑148

Editor: Walter Castelnovo, Elena Ferrari

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Editorial

The papers in this issue of EJISE have been selected from those presented at the 5th European Conference on Information Management and Evaluation (ECIME 2011) at the Dipartimento di Informatica e Comunicazione, Università dell'Insubria, Como, Italy on 8‑9 September 2011.

 

The issue has been guest edited bythe Conference Chair, Professor Walter Castelnovo, and the Programme Chair, Professor Elena Ferrari, both from University of Insubria, Como, Italy.

 

walter_castelnovo    elena_ferrari 

 

Keywords: crime analysis, GIS, geostatistics, intelligence-led policing, predictive dissemination, data mining, boundary spanning, IS outsourcing, relationships management, accountability, enterprise records management, organizational memory, records auditing, knowledge economy, measuring effectiveness, performance indicator, assess of knowledge, enterprise information systems, enterprise recourse planning systems, customer relations management systems, supply chain management systems, community informatics, requirements engineering, microenterprise, technology adoption, indigenous business, socio-technical system, SMEs, IT/IS, lemon market theory, ISV, ambient assisted living, field trials, ageing technology users, enterprise architecture, architectural alignment, Zachman framework, TOGAF, GERAM, E2AF, payments, framework, mobile, value, data governance, data management, data quality, framework, business model, business case, strategy, operations, management, implementation

 

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