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Diane Publishing Books
Mobile Payments: Whatńˇ╗s in It for Consumers?: A Reprint from the ńˇýEconomic ReviewńˇŁ
Fumiko Hayashi (au)
Mobile payments (MP) -- those initiated on a mobile device such as a cell phone or tablet computer -- have not been widely adopted in the U.S. This study examines the barriers that have limited the takeoff of MP in the U.S. It also assesses which attributes of MP might encourage or discourage adoption by U.S. consumers. Greater convenience and enhanced ability to monitor account balances are likely to encourage consumer adoption of MP for in-store purchases, while initial lack of merchant acceptance may discourage adoption. The effects on consumer adoption of cost, security, and targeted marketing are less clear and will depend on which MP technology is used and how it is implemented. This is a print on demand report.
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