移动支付的使用跟接受条件.pdfVIP

MPRA Pousttchi, K.: Conditions for Acceptance and Usage of Mobile Payment Procedures. In: Giaglis, G. M.; Werthner, H.; Tschammer, V.; Foeschl. K.: mBusiness 2003 - The Second International Conference on Mobile Business. Vienna, 2003. (pp. 201-210) CONDITIONS FOR ACCEPTANCE AND USAGE OF MOBILE PAYMENT PROCEDURES Key Pousttchi University of Augsburg Chair of Business Informatics and Systems Engineering (WI2) Universitaetsstrasse 16 86159 Augsburg, Germany key.pousttchi@wiwi.uni-augsburg.de ABSTRACT Mobile payment (MP) is crucial for, but not limited to mobile commerce. The key to mobile payment acceptance is in the hands of customers. In this paper we examine the conditions for acceptance and actual usage of MP procedures by the customer. We identify essential conditions which belong to the categories costs, security and convenience. Different preferences lead to an individual set of essential conditions for any single user. We propose a scheme for their representation and comparison and, based on these results, examine the relevance of the different criteria with empirical results. Addition- ally, we propose an approach to a commensurate condition for the usage of MP procedures based on the theory of informational added values. Finally, applications and constrictions of the results are shown and an outlook on the future of mobile payment is given. 1 INTRODUCTION According to recent studies, mobile commerce (MC) revenues are expected to rise from approximat