| 11. |
- Apanasevic, Tatjana, 1976-, et al.
(författare)
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Mobile ticketing services in the Northern Europe Critical business model issues
- 2017
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Ingår i: 2017 JOINT 13TH CTTE AND 10TH CMI CONFERENCE ON INTERNET OF THINGS - BUSINESS MODELS, USERS, AND NETWORKS. - : IEEE.
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Konferensbidrag (refereegranskat)abstract
- Started as SMS ticketing, today, mobile ticketing services become a platform for combined mobility solutions that integrate mobile ticketing, bike renting, car sharing, and parking payment services. Mobile ticketing services provide a number of benefits for public transport companies and passengers, however, in some Northern European countries, the share of mobile ticket sales does not exceed 10 percent. In this paper, we analyse business models of three types of mobile ticketing services (SMS, in-app, and "Be-InBe-Out" (BIBO)) in order to identify factors that negatively affect wider penetration of mobile ticketing. In order to do so, we use STOF (Service, Technology, Organisation, and Finance) model. The research reveals that there are a number of challenges related to service, technology, and finance domains of mobile ticketing. Due to this, with the help of price policy, many public transport companies push choices of their customers towards use of plastic travel card.
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| 12. |
- Apanasevic, Tatjana
(författare)
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Obstacles to investments in mobile payments: The perspective of merchants : Work in progress
- 2013
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Konferensbidrag (refereegranskat)abstract
- The main objective of the ongoing research is to investigate obstacles and driving forces affecting merchants’ decision to invest in mobile payment solutions. The core aim of this paper is to present initial results of a desktop analysis revealing the current market situation, identifying main players, and estimating the structure of investment costs. In order to do that available secondary information was analyzed.The conducted analysis served to identify market fragmentation existing in the Swedish market due to existence of a number of competing mobile payment solutions. Another finding allows making conclusion, that retailers select to adopt already existing solutions, rather than developing own. Finally, the size of an organization and financial resources are important when making a decision to invest in a new payment solution.
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| 13. |
- Apanasevic, Tatjana, 1976-
(författare)
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Opportunities and challenges of mobile payment services : The perspective of service providers
- 2018
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- Mobile payments are transforming the payments industry. These services open up the opportunity for non-banking actors to enter the market. In order to embrace this challenge, banks, traditional payments market players, are forced to launch mobile payments. However, in Europe and most developed economies, a big number of launched services get terminated soon after their introduction in the market. Hence, the ability of different actors to act locally calls for additional research.The main objective of this thesis is to broaden knowledge and understanding about the ways mobile payment service providers address the opportunities and challenges of mobile payment services. In order to investigate this problem, this research (i) explores factors stimulating and hindering the introduction of mobile payments using perspectives of different types of service providers (i.e., banks, independent providers, direct operator billing providers, retailers, and public transport companies) and (ii) seeks to explain the importance of these factors for each type of provider.The primary data collected using interview method. More than 40 industry representatives in six countries were contacted. The Service, Technology, Organisation, and Finance (STOF) model was used as a theoretical research framework. This is a business modelling framework that specifies a set of critical design issues that have to be considered within each model’s domain.Research findings highlight that the organisation domain is the key domain, which affects all other domains and has an impact on the general viability of the business model. A comparison of the approaches used by different service providers to address each of the critical design issues helped to identify the factors that are most important within each domain. These factors stimulate or hinder development of a viable business model within each category of service providers.This research contributes to a better understanding of challenges and success factors associated with the design of business models for new mobile services and uses the lens of the STOF model. The contributions to the academic research on mobile payments are: (i) collection and analysis of a rich empirical data set on mobile payment services implemented in six Northern European countries, (ii) discussion of a bigger picture by connecting research findings to the context of the existing payment system, (iii) extension of knowledge on business models for mobile ticketing, and (iv) extension of knowledge on the value of mobile ticketing services in the business-to-business (B2B) context.
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| 14. |
- Apanasevic, Tatjana, 1976-
(författare)
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Organizational Acceptance of Mobile Payments
- 2014
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Ingår i: 30th annual International Marketing and Purchasing Conference (IMP 2014), Bordeaux, France, September 4-5, 2014.
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Konferensbidrag (refereegranskat)
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| 15. |
- Apanasevic, Tatjana
(författare)
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Primary data collection : Approaches of service providers towards mobile payments
- 2018
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- Mobile payments are new services enabled by evolution of information and communication technologies. These services can be provided by different types of actors both banks and non-banks. The understanding of capabilities and limitations of different service providers to act in local markets requires further understanding. Implemented research seeks to extend knowledge in this area. I have implemented research focused on approaches used by different types of service providers including banks, independent providers, operator billing providers, retailers, and public transport companies in six Northern European countries.Exploratory part of the research aims to address the following research question: What factors stimulate and hinder the introduction of mobile payments? The main objective of this report is to present primary data collected during the research through interviews with contacted companies.The collected primary data is classified and organised using the STOF (Service, Technology, Organisation, and Finance) model. Evidence is presented in tables. This primary data is further used for explanatory study. At the same time, this data can be used by other researchers studying the same area. The collected data is reach in facts and presents the overview of different strategies.
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| 16. |
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| 17. |
- Apanasevic, Tatjana
(författare)
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Socio-economic effects and the value of open data: A case from Sweden
- 2021
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Ingår i: Proc. of 23rd ITS Biennial Conference.
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Konferensbidrag (refereegranskat)abstract
- Governmental and public organisations have historically been generating and accumulating vast amounts of data which could provide many potential benefits for society and national economies. One example of an important dataset is accounts payable providing information about purchases and expenditures of the governmental sector. Academic research in the area of open data is rather new and fragmented. There is a gap in understanding socio-economic impact of open government data ex post at organisational level. This research aims to understand what kind of socio-economic impact a municipality gains by publishing accounts payable as open data, and how municipalities perceive the major benefits, challenges and risks related to open publishing of this dataset. For analysis, we use the example of Swedish municipalities that are already publishing or preparing to publish accounts payable dataset as open data. We discuss costs related to open data initiative, and benefits related to open publishing of analysed dataset. We also provide more insights into benefits and challenges perceived by municipalities in relation to open publishing of accounts payable.
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| 18. |
- Apanasevic, Tatjana
(författare)
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Socio-economic effects of opening government accounts payable (Leverantörsreskontra) data
- 2021
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Rapport (refereegranskat)abstract
- The objectives of this study were to analyse: (i) efficiency gains that a municipality would gain by publishing accounts payable data as open data; and (ii) socio-economic effects with a major focus on democracy aspects. Summarising, we can state that potential efficiency gains related to opening accounts payable data can be significant, which was also confirmed by previous studies. Based on experience of Swedish municipalities publishing accounts payable as open data, we have made an estimation of potential efficiency gains due to reduced time to answer inquiries coming from citizens, journalists, and organisations. Based on these assessments, the potential efficiency gains may reach approximately 2 million kr per year for large municipalities. Additionally, availability of open data on accounts payable may result in further reduction of time needed to handle an inquiry due to opportunity to direct a person to thee open data file, a more exact and specific question formulation, and reduced number of inquiries. It was found that democratic aspects in publishing accounts payable were perceived as more important than potential time savings and efficiency gains. This is especially important for smaller municipalities, which do not get that many inquiries and cannot expect the same level of savings effect. Democracy aspects are closely related to transparency, openness, and opportunity to push procurement prices down. All this leads to even greater savings for municipalities. Another important aspect is finding mistakes and discovery of corruption cases. Elimination of such cases in the future would result in considerable savings at national level. One of the important findings of this research is the fact that municipalities already publishing open data do not see any related risks, while municipalities that are only preparing to publish open data see a number of risks related to open data publishing. The major concerns are related to confidentiality, privacy, and secrecy risks, unclear quality of data, and increased workload for some units. We also make a number of recommendations from different perspectives, which could accelerate the process of open data publishing. This analysis was carried out by Tatjana Apanasevic from RISE Research Institutes of Sweden as a part of Nationell Skalning Öppna Data (NSÖD) project, financed by Vinnova. The analysis is based on primary data collected through interviews with seven municipalities (the City of Gothenburg, the City of Lidingö, Skövde, Varberg, Karlskrona, Uppsala, and Skellefteå), a service provider, consultants working with open data, and three (data) journalists.
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| 19. |
- Apanasevic, Tatjana, 1976-, et al.
(författare)
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Stakeholder’s expectations : Mobile payments in retail in Sweden
- 2014
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Ingår i: 13th International Conference on Mobile Business, 2014 (ICMB 2014), London, June 4-5, 2014.
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Konferensbidrag (refereegranskat)abstract
- One of the main application areas of mobile payment services in Sweden is retailing. The main stakeholders involved in this service are mobile payment service providers, banks, merchants, and consumers. The main focus of this paper is on the change of expectations of different stakeholders taking part in service provisioning. Analysis has been performed by comparison of the initial expectations before the introduction of a mobile payment service and expectations after practical experience of the service usage. Three cases of mobile payment solutions for retailing have been investigated: BART provided by Swedbank, SEQR provided by Seamless, and a service provided by Payair.The analysis indicates that a number of expectations of stakeholders about mobile payment services did not come true. The results for the different cases differ but the main findings are: banks were excluded from direct service provisioning; merchants see some advantaged to deploy mobile payment, but are uncertain which solution will be a dominant in the market; consumer expectations of improved purchasing experience and usefulness are not met. The performed analysis also helps to identify some of the reasons that can be seen as obstacles for a wider penetration of mobile payment services.
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| 20. |
- Apanasevic, Tatjana, 1976-, et al.
(författare)
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Stakeholder’s expectations : The case of mobile public transport ticketing in Sweden
- 2014
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Ingår i: 13th International Conference on Mobile Business, 2014 (ICMB 2014), London, June 4-5, 2014.
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Konferensbidrag (refereegranskat)abstract
- One of the main areas of mobile payment application in Sweden is mobile public transport ticketing. The main stakeholders involved in this service are mobile network operators, mobile payment service providers, SMS ticket’s “technology solution” providers, public transport companies, and consumers.Traditionally, mobile operators have had a strong position in this niche since the mobile phone bill or pre-paid subscriptions were used for end-user billing. Due to financial regulation, this situation was changed in February 2013 when new SMS payment solutions were introduced for all public transport companies in Sweden. A number of new actors entered the scene, and the position of existing actors changed dramatically. At the same time, the Swedish mobile operators formed a joint venture, 4T Sweden, offering a new mobile payment solution – WyWallet.The main focus of this paper is on the change of expectations of different stakeholders taking part in provisioning of SMS payment services. Analysis has been performed by comparison of the initial expectations before the introduction of the new SMS payment system and the real outcome in approximately half a year time. Analysis revealed the fact that expectations of a number of stakeholders about mobile payment services did not come true. Moreover, due to barriers set by the mobile payment solution, mobile payment transactions in public transportation is dramatically lower than what SMS payments were before the market changed.
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