critical review of mobile payment research

A critical review of mobile payment research

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• Sharma S Ilavarasan P Karanasios S (2024) Small businesses and FinTech: a systematic review and future directions Electronic Commerce Research 10.1007/s10660-023-09705-5 24 :1 (535-575) Online publication date: 1-Mar-2024 https://dl.acm.org/doi/10.1007/s10660-023-09705-5
• Al-Qudah A Al-Okaily M Alqudah G Ghazlat A (2024) Mobile payment adoption in the time of the COVID-19 pandemic Electronic Commerce Research 10.1007/s10660-022-09577-1 24 :1 (427-451) Online publication date: 1-Mar-2024 https://dl.acm.org/doi/10.1007/s10660-022-09577-1
• Leszczyna R (2024) Activity-based payments: alternative (anonymous) online payment model International Journal of Information Security 10.1007/s10207-024-00816-0 23 :3 (1741-1759) Online publication date: 1-Jun-2024 https://dl.acm.org/doi/10.1007/s10207-024-00816-0
• Show More Cited By

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• 42 Total Citations View Citations
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• Hu B Liu Y Yan W (2023) Should I scan my face? The influence of perceived value and trust on Chinese users’ intention to use facial recognition payment Telematics and Informatics 10.1016/j.tele.2023.101951 78 :C Online publication date: 1-Mar-2023 https://dl.acm.org/doi/10.1016/j.tele.2023.101951
• Darko A Liang D Xu Z Agbodah K Obiora S (2023) A novel multi-attribute decision-making for ranking mobile payment services using online consumer reviews Expert Systems with Applications: An International Journal 10.1016/j.eswa.2022.119262 213 :PC Online publication date: 1-Mar-2023 https://dl.acm.org/doi/10.1016/j.eswa.2022.119262
• Barz L Lindeque S Hedman J (2023) Critical success factors in the FinTech World Electronic Commerce Research and Applications 10.1016/j.elerap.2023.101280 60 :C Online publication date: 24-Aug-2023 https://dl.acm.org/doi/10.1016/j.elerap.2023.101280
• Khando K Islam M Gao S (2023) Factors Influencing Merchants’ Adoption of Cashless Payment Systems in Sweden New Sustainable Horizons in Artificial Intelligence and Digital Solutions 10.1007/978-3-031-50040-4_27 (372-384) Online publication date: 9-Nov-2023 https://dl.acm.org/doi/10.1007/978-3-031-50040-4_27
• Lashayo D Mhina J (2022) Towards Cash-Less Economy International Journal of Mobile Devices, Wearable Technology, and Flexible Electronics 10.4018/IJMDWTFE.311432 12 :1 (1-24) Online publication date: 14-Oct-2022 https://dl.acm.org/doi/10.4018/IJMDWTFE.311432
• Owusu A Afeti E (2022) Mobile Payments Affordance as a Driver for End User Entrepreneurship International Journal of E-Entrepreneurship and Innovation 10.4018/IJEEI.314467 12 :2 (1-20) Online publication date: 23-Nov-2022 https://dl.acm.org/doi/10.4018/IJEEI.314467
• Ferreira M Dias T Falcão e Cunha J (2022) Anda: An Innovative Micro-Location Mobile Ticketing Solution Based on NFC and BLE Technologies IEEE Transactions on Intelligent Transportation Systems 10.1109/TITS.2021.3072083 23 :7 (6316-6325) Online publication date: 1-Jul-2022 https://dl.acm.org/doi/10.1109/TITS.2021.3072083

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A critical review of mobile payment research

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• Literature review
• Mobile payments

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• 10.1016/j.elerap.2015.07.006

T1 - A critical review of mobile payment research

AU - Dahlberg, Tomi

AU - Guo, Jie

AU - Ondrus, J

N2 - This article aims at assessing the progress of mobile payment research over the last 8 years. A previous literature review (Dahlberg et al. 2008b), covering articles published between 1999 and 2006, showed that the majority of research had only focused on a few topics. In order to address this issue, a research agenda was formulated to encourage researchers to explore new topics. Almost a decade later, our review reveals that researchers have continued to focus on the same topics (especially consumer adoption and technology aspects) with a limited accumulation of new knowledge and similar findings. In addition to reviewing the literature, we discuss the possible reasons for the lack of research diversity and propose new recommendations to enhance future mobile payment research.

AB - This article aims at assessing the progress of mobile payment research over the last 8 years. A previous literature review (Dahlberg et al. 2008b), covering articles published between 1999 and 2006, showed that the majority of research had only focused on a few topics. In order to address this issue, a research agenda was formulated to encourage researchers to explore new topics. Almost a decade later, our review reveals that researchers have continued to focus on the same topics (especially consumer adoption and technology aspects) with a limited accumulation of new knowledge and similar findings. In addition to reviewing the literature, we discuss the possible reasons for the lack of research diversity and propose new recommendations to enhance future mobile payment research.

KW - Literature review

KW - Mobile payments

U2 - 10.1016/j.elerap.2015.07.006

DO - 10.1016/j.elerap.2015.07.006

M3 - Artikel

SN - 1567-4223

JO - Electronic Commerce Research and Applications

JF - Electronic Commerce Research and Applications

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A critical review of mobile payment research

2015, Electronic Commerce Research and Applications

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Jan Ondrus , Tomi Dahlberg

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Mobile payments (m-payments) are increasingly being adopted by organisations as a new way of doing business in the 21st century. During the last few years, the use of m-payments as a new payment channel has resulted in an increase in the volume of literature dedicated to the topic. For this reason, this paper presents the findings of a review of literature aimed at identifying the key research themes and methodologies researched. In order to uncover these trends the authors reviewed the top twenty cited papers since 1999 and the twenty most recently published papers on m-payments since August 2014.

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Despite its huge potential, the use of mobile technology for carrying out payment transactions and replicating monetary features, has only taken off in a limited number of countries. The fact that mobile payment services are not being provided on a worldwide scale, suggests that the reasons for the successful cases are not yet fully understood, and as a result, cannot be easily replicated. This paper seeks to fill this knowledge gap by providing a comprehensive scoping study, which seeks to map out the literature published between 2001 and 2011. An investigation has been carried out of a total of 94 peer-reviewed papers, with the aim of providing a compre- hensive picture of the knowledge, production and dissemination about mobile payments. Furthermore, this study includes a detailed analysis of 12 primary case studies on existing mobile payment schemes, as well as a consultation exercise with stakeholders. The main contribution of this study is to provide a clear account of the knowledge that exists on mobile payments. As a result, it has been possible to detect serious gaps in this knowledge base (in geographical, methodological and conceptual areas) and show how future research can make improvements in the field. Keywords

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This study analyzes previously published research on the topic of mobile payments. The authors have selected 85 English-written studies in reliable journals from 2017 to 2022 through various scientific data sources. The objective of this study was to investigate the factors influencing mobile payments adoption. From the results obtained, this research found that Subjective Norms/Social Influence and Facilitating Conditions were the most mentioned in the research on mobile payment adoption. India is the country with the most research on mobile payment adoption, followed by China and Indonesia. Developed countries need to be more active in this area of research. Finally, most of the research on mobile payments regarding mobile payment adoption comes from the customer's perspective. Future studies should explore the factors influencing the decision to use mobile payments from different perspectives not only from customers but also from governments and businesses providing this service.

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A critical review of mobile payment research

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Information & Contributors

Bibliometrics & citations, view options.

• Sharma S Ilavarasan P Karanasios S (2024) Small businesses and FinTech: a systematic review and future directions Electronic Commerce Research 10.1007/s10660-023-09705-5 24 :1 (535-575) Online publication date: 1-Mar-2024 https://dl.acm.org/doi/10.1007/s10660-023-09705-5
• Al-Qudah A Al-Okaily M Alqudah G Ghazlat A (2024) Mobile payment adoption in the time of the COVID-19 pandemic Electronic Commerce Research 10.1007/s10660-022-09577-1 24 :1 (427-451) Online publication date: 1-Mar-2024 https://dl.acm.org/doi/10.1007/s10660-022-09577-1
• Leszczyna R (2024) Activity-based payments: alternative (anonymous) online payment model International Journal of Information Security 10.1007/s10207-024-00816-0 23 :3 (1741-1759) Online publication date: 1-Jun-2024 https://dl.acm.org/doi/10.1007/s10207-024-00816-0
• Show More Cited By

Recommendations

Fraud payment research: payment through credit car.

Credit card payment is called CNP which stands for "card not present". Security issues about CNP are critical. We propose an empirical study research for analyzing payment transactions using K-means clustering and decision table method of data mining ...

Mobile Payment Fraud: A Practical View on the Technical Architecture and Starting Points for Forensic Analysis of New Attack Scenarios

As payment cards and mobile devices are equipped with Near Field Communication (NFC) technology, electronic paymenttransactions at physical Point of Sale (POS) environments are changing. Payment transactions do not require the customerto insert their ...

Virtual Credit Cards on Mobile for M-Commerce Payment

The number of credit companies has been increasing due to the directed and undirected extra incomes from credit card holders. It effects to rapid growing rate of the number of credit card holders. Each individual is holding many credit cards that are ...

Information

Published in.

Elsevier Science Publishers B. V.

Netherlands

Publication History

• Research-article

Contributors

Other metrics, bibliometrics, article metrics.

• 42 Total Citations View Citations
• 0 Total Downloads
• Downloads (Last 12 months) 0
• Downloads (Last 6 weeks) 0
• Hu B Liu Y Yan W (2023) Should I scan my face? The influence of perceived value and trust on Chinese users’ intention to use facial recognition payment Telematics and Informatics 10.1016/j.tele.2023.101951 78 :C Online publication date: 1-Mar-2023 https://dl.acm.org/doi/10.1016/j.tele.2023.101951
• Darko A Liang D Xu Z Agbodah K Obiora S (2023) A novel multi-attribute decision-making for ranking mobile payment services using online consumer reviews Expert Systems with Applications: An International Journal 10.1016/j.eswa.2022.119262 213 :PC Online publication date: 1-Mar-2023 https://dl.acm.org/doi/10.1016/j.eswa.2022.119262
• Barz L Lindeque S Hedman J (2023) Critical success factors in the FinTech World Electronic Commerce Research and Applications 10.1016/j.elerap.2023.101280 60 :C Online publication date: 24-Aug-2023 https://dl.acm.org/doi/10.1016/j.elerap.2023.101280
• Khando K Islam M Gao S (2023) Factors Influencing Merchants’ Adoption of Cashless Payment Systems in Sweden New Sustainable Horizons in Artificial Intelligence and Digital Solutions 10.1007/978-3-031-50040-4_27 (372-384) Online publication date: 9-Nov-2023 https://dl.acm.org/doi/10.1007/978-3-031-50040-4_27
• Lashayo D Mhina J (2022) Towards Cash-Less Economy International Journal of Mobile Devices, Wearable Technology, and Flexible Electronics 10.4018/IJMDWTFE.311432 12 :1 (1-24) Online publication date: 14-Oct-2022 https://dl.acm.org/doi/10.4018/IJMDWTFE.311432
• Owusu A Afeti E (2022) Mobile Payments Affordance as a Driver for End User Entrepreneurship International Journal of E-Entrepreneurship and Innovation 10.4018/IJEEI.314467 12 :2 (1-20) Online publication date: 23-Nov-2022 https://dl.acm.org/doi/10.4018/IJEEI.314467
• Ferreira M Dias T Falcão e Cunha J (2022) Anda: An Innovative Micro-Location Mobile Ticketing Solution Based on NFC and BLE Technologies IEEE Transactions on Intelligent Transportation Systems 10.1109/TITS.2021.3072083 23 :7 (6316-6325) Online publication date: 1-Jul-2022 https://dl.acm.org/doi/10.1109/TITS.2021.3072083

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• DOI: 10.1111/ijcs.13003
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Two decades of mobile payment research: A systematic review using the TCCM approach

• C. Behera , Rajeev Kumra
• Published in International Journal of… 1 December 2023
• Business, Computer Science, Economics

4 Citations

Acceptance of or resistance to facial recognition payment: a systematic review, competitive dynamics in a multi-sided mobile payment platform market: an agent-based modeling perspective, paths to digital mobile payment platforms acceptance and usage: a topology for digital enthusiast consumers, mobile payments for bottom of the pyramid: towards a positive social change, 122 references, an innovation resistance theory perspective on mobile payment solutions, a critical review of mobile payment research, drivers and barriers of mobile payment adoption: malaysian merchants' perspective, an empirical examination of factors influencing the intention to use mobile payment, exploring factors influencing us millennial consumers’ use of tap-and-go payment technology, past, present and future of mobile payments research: a literature review, exploring consumer adoption of mobile payments - a qualitative study, mobile payments: a scoping study of the literature and issues for future research, predictive and explanatory modeling regarding adoption of mobile payment systems, exploring innovation diffusion of two-sided mobile payment platforms: a system dynamics approach, related papers.

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Tomi Dahlberg

• Åbo Akademi University (IAMSR), Joukahaisenkatu 3, 20500 Turku, Finland
• School of Finance and Economics, Xi’an Jiaotong University, 74, Yantaxilu, Xi’an, 710061, China
• ESSEC Business School, Av. Bernard Hirsch, 95021 Cergy-Pontoise, France

Mobile payments Literature review

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Please note you do not have access to teaching notes, mobile payment technology in hospitality and tourism: a critical review through the lens of demand, supply and policy.

International Journal of Contemporary Hospitality Management

ISSN : 0959-6119

Article publication date: 16 August 2021

Issue publication date: 20 October 2021

This study aims to offer a comprehensive review of mobile payment (m-payment) research in hospitality and tourism.

Design/methodology/approach

This study systematically reviews 105 m-payment-themed publications retrieved from five research engines including EBSCOhost, Google Scholar, Web of Science, ScienceDirect and Scopus. Content analysis is used to draw insights from the articles.

Results show that research on m-payment in hospitality and tourism is generally categorized into consumer, supplier and policy dimensions. This study proposes a framework to summarize the demand–supply research standpoints and conditions that qualify research outcomes while providing contemporary policy-related discussions. Four research priorities for future studies are recommended.

Practical implications

Knowledge accumulation and policy-related discussions identified in this study equip practitioners with the opportunities and challenges brought by m-payment. This study provides recommendations according to the factors that drive adoption of m-payment.

Originality/value

This study addresses the academic gaps by critically analyzing m-payment research in hospitality and tourism and identifying four research priorities for future studies.

• Mobile payment
• Critical review
• Hospitality research
• Tourism research

Acknowledgements

This project is partly supported by research grants funded by the Hong Kong Polytechnic University with account code: 1.24.xx.9B5P.

Cheng, N.T.Y. , Fong, L.H.N. and Law, R. (2021), "Mobile payment technology in hospitality and tourism: a critical review through the lens of demand, supply and policy", International Journal of Contemporary Hospitality Management , Vol. 33 No. 10, pp. 3636-3660. https://doi.org/10.1108/IJCHM-02-2021-0261

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A review of contextual factors affecting mobile payment adoption and use

• Original Article
• Published: 10 January 2019
• Volume 3 , pages 43–57, ( 2019 )

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• Abhipsa Pal 1 ,
• Rahul De’ 1 ,
• Tejaswini Herath 2 &
• H. Raghav Rao 3  

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Research on mobile payments is a flourishing area in information systems. An in-depth review of the literature reveals that a majority of studies frequently use existing theoretical models of IT adoption and usage, but do not extend the investigation further into other theories that could offer new contextually relevant variables. We identify some contextual variables missing in the extant research models. Starting from November 2016, India witnessed a number of events: demonetization, followed by low-cost Internet made available by a service provider, discounts and cash benefit offers by competing wallet companies, and related government regulations. Motivated by these events, we recognized the importance of contextual factors for technology usage and adoption. Drawing from management theories, we identified and classified factors from 79 relevant papers, and then developed a framework that included contextual variables—both environmental and cultural facilitators and barriers. This paper is useful for understanding the research trends in current mobile banking literature along with implications for future research and practice.

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Pal, A., De’, R., Herath, T. et al. A review of contextual factors affecting mobile payment adoption and use. J BANK FINANC TECHNOL 3 , 43–57 (2019). https://doi.org/10.1007/s42786-018-00005-3

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Published : 10 January 2019

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DOI : https://doi.org/10.1007/s42786-018-00005-3

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Android Headlines / Android Apps / Google is raising payments for finding vulnerabilities in Chrome

Google is raising payments for finding vulnerabilities in Chrome

Google offers a wide range of software solutions and services for both regular users and businesses. The company has its own testing teams to find potential bugs and vulnerabilities. However, they also have bounty programs that encourage external researchers to participate in the process. Now, the company is restructuring its payment scheme to find vulnerabilities in Chrome .

Recently, Google shut down the Google Play Security Reward Program (GPSRP). They made the decision based on the platform’s maturity and the effectiveness of the company’s malware detection tools. However, there are other segments that still require the assistance of external researchers, such as AI-based platforms and Chrome , the protagonist of this article. For the latter, Google has the Chrome Vulnerability Reward Program (VRP).

Google launches new payment scheme for Chrome vulnerability research

Google debuted Chrome’s VPR 14 years ago, tweaking the rewards from time to time according to the needs of the platform. Now, the company is making a new restructure that seeks to “incentivize high-quality reporting and deeper research of Chrome vulnerabilities, exploring them to their full impact and exploitability potential.” The changes involve up to twice as high rewards for some vulnerabilities, such as MiraclePtr-related ones.

Chrome’s new VPR structure separates vulnerabilities into two main segments. There are now “memory corruption vulnerabilities” and “other vulnerabilities.” The memory corruption findings are divided into four categories: High-quality report with demonstration of RCE (involves remote code execution), high-quality report demonstrating controlled write (involves memory writing by the attacker), high-quality report of memory corruption, and baseline (demo of triggerable memory corruption in Chrome).

In each category, there are certain parameters that determine the payment for the findings. For instance, ascertain whether the processes are sandboxed (isolated or under controlled environments), not sandboxed, or highly privileged. The table below illustrates the new payout scheme for memory corruption vulnerabilities.

Then, as the segment name suggests, “other vulnerabilities” houses the ones not related to memory corruption. The company is implementing a “more deterministic” approach. There are now three categories based on the report’s quality and the vulnerability’s impact on users. There are “Lower impact”, “Moderate impact”, and “High impact.” The new payment scheme for this section is as follows:

Payments for MiraclePtr vulnerabilities rise significantly

Finally, a change has been made to the rewards system for vulnerabilities based on MiraclePtr. In Chrome, there are Use-After-Free (UAF) vulnerabilities that basically result in excessive or incorrect use of dynamic memory. You’ve probably heard how “greedy” Chrome is with memory, and this is one of the reasons. In recent years, Google has largely mitigated the related problems. MiraclePtr is one of the measures taken by the Mountain View giant. The MiraclePtr project basically prevents UAFs from leading to security risks or memory leaks.

Previously, the maximum reward for finding MiraclePtr vulnerabilities was $100,115. Now, the company is raising this figure to $250,128. Plus, the company is no longer labeling vulnerabilities present in non-renderer processes as “security bugs.” Basically, as the difficulty increases, so does the reward.

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