Evaluating wireless technologies in mobile payments - a customer centric approach

Mobile payments involve the use of a mobile device and one or more wireless technologies. As the field is at an early stage of development, there is still a lot of uncertainty about which of available wireless technologies will lead to the most successful solutions. Cellular networks, near field communication, infrared and Bluetooth are analysed in terms of their suitability for mobile payments. This paper tries to find out which of these technologies can lead to systems that the user will be most likely to accept. Acceptance factors discovered in the author's previous research are used in this analysis: perceived ease of use, usefulness, mobility, trust and cost. The study reveals which of the technologies are likely to best fulfil each of the acceptance criteria.