||Owing to smart phones and 3G internet popularized, mobile payments are having huge growth and great potential. Most of domestic theses discussed the information security and how to enhance that. Some focused on the behaviour intentions about mobile payments. Few studied the future, bottlenecks and possibility of the mobile payments industry. Hence, this paper will toward this subject. |
After reviewing literatures and defining the analytic objects of this research framework based on the status of mobile payments, we applied Analytic Hierarchy Process (AHP) to explore and analyze the key success factors of mobile payment development. We use expert questionnaires to collect relevant persons’ opinions to gain the key success factors and rank the priority to suggest the strategies.
According to research results, we find out the important success factors are “law and regulation” under macro object. It shows building or modifying the law and regulation for mobile payments is critical. The followings are “market scale and growth” under business object, “institution of banking” under macro object, “consumer behaviour” under business object, and “interface” and “encryption” under technology object. Finally, we conclude that and suggest strategies.