| 1. |
- Apanasevic, Tatjana, 1976-
(author)
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Barriers to further commercialization of NFC pilots in Western Europe
- 2013
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In: The Second International Cashless Society Roundtable (ICSR). ; , s. 39-41
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Conference paper (peer-reviewed)abstract
- A mobile payment can be performed in various ways. For example, the Near Field Technology (NFC) integrated with mobile devices provides an opportunity of a contactless mobile payment. However, it is not only payment. The NFC can further expand functionality of mobile phones and enrich consumer experience. Indeed, added value services created by the NFC include mobile ticketing, loyalty applications, smart advertisement, informational service, physical and logical access, and other functionalities.However, despite NFC potential to create added value we cannot witness its wide penetration and global spread unless some successful solutions are implemented on a national level. The research aims to define the barriers preventing NFC pilots from entering commercialization stage in Western Europe. Commercialization of NFC mobile solutions needs to overcome a range of barriers and obstacles predefined by macro- and micro-environmental conditions, and individual factors related to consumers, which are analized in this research.
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| 2. |
- Apanasevic, Tatjana, 1976-
(author)
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Challenges Related to the Introduction of Innovative Services in the Market : Mobile Payment Services in the Swedish Retail Industry
- 2015
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Licentiate thesis (other academic/artistic)abstract
- Mobile payment services are expected to be the next step of the electronic payment evolution. However, the level of penetration in European countries is lower than expected. The focus of most academic research has been in two main areas: (i) mobile payment adoption by consumers and (ii) technical aspects of the service. Consequently, a number of themes remain under-researched. In order to expand knowledge on reasons that affect the wider penetration of mobile payments, challenges related to the introduction of mobile payment services in the market have been explored in this thesis.More specifically, this research has addressed two problem areas: (i) why mobile payments have not been widely adopted by merchants; and (ii) what effects that the introduction of mobile payments has had on the business networks of the involved actors. As an example, we use the mobile payment services applied in the Swedish retail industry. The study is focused on the main groups of stakeholders – the mobile payment providers, the retailers, and the consumers.First, this study has helped to identify what different stakeholders expect of mobile payments and how these services correspond to their needs. In order to analyse the expectations of stakeholders, we have developed an analysis framework based on the theory of diffusion of innovations, the Technology Acceptance Model (TAM), and the theory of network externalities. The analysis highlights the expectations of stakeholders and helps to understand what kind of mobile payment service merchants expect and are willing to adopt. One key finding is that existing mobile payment services for retailing could be further improved in order to ensure an enhanced purchasing process for consumers.Second, the research has explored the impact of mobile payment services on the business networks. In order to analyse the relationships and cooperation between business actors, and changes in business strategy and network structure, we used the approach proposed by the Industrial Marketing and Purchasing (IMP) Group. The performed analysis illustrates the following changes in the structure of business networks for the traditional payment solutions (bank cards): (i) emergence of new business actors (i.e. independent mobile payment providers); (ii) new roles and activities of business actors; and (iii) exclusion of traditional business actors (i.e. banks) from the mobile payment systems.All these changes lead to increased complexity of relationships and increased level of interdependence between business actors within the networks. The following changes in the strategies of involved actors have been identified: (i) mobile payment providers seek to achieve a control over the business network; (ii) the retailers affect strategies of the mobile payment providers; (iii) the marketing strategies of business actors include cross-marketing in different sectors. All these changes result in additional value and enhanced quality of service for consumers.In order to analyse a complex and multidisciplinary area such as mobile payments, it is beneficial to use more than one analysis approach. A combination of different complementing methods helps to explore different aspects of the phenomenon and provides a more comprehensive overview of several research aspects.This work contributes to the academic research of mobile payment service adoption by merchants through proposing a theoretical analysis framework. More specifically, the research addresses a new area – expectations of retailers when new solutions are introduced. The framework consists of the following criteria and aspects: technological feasibility, economic benefits, lower service costs, added value of services, network externalities and the problem of critical mass, and finally, ease of use. This framework helps to identify what merchants can expect of mobile payment services.Another area of contribution is the analysis of the effect that mobile payments make on the actors and business networks of traditional payment services. The introduction of new services results in emergence of new business actors, a need to establish new relationships, and increased complexity of a business network. Moreover, in order to succeed, cooperation between all network actors is needed. As a result, business actors have to adjust their services and strategies according to needs of others.
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| 3. |
- Apanasevic, Tatjana, 1976-
(author)
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Factors Influencing the Slow Rate of Penetration of NFC Mobile Payment in Western Europe
- 2013
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In: the 12th International Conference on Mobile Business (ICMB2013), Berlin, Germany, June 2013. - : Association for Information Systems.
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Conference paper (peer-reviewed)abstract
- The NFC technology implemented on the base of contemporary mobile handsets can provide considerable benefits to end-users. However, despite high level of diffusion of mobile phones in Western Europe, the level of penetration of the NFC based mobile payment is low. A considerable number of trials have been initiated, however, large scale deployment of commercial NFC services cannot be seen. This paper identifies and analyzes different factors that influence the slow rate of penetration of NFC based mobile payment in Western Europe.This paper presents a qualitative study based on experience of six NFC pilots implemented in Finland, France, Italy, the Netherlands, Norway, and the UK. The research findings confirm that a number of demand and supply barriers negatively affect the rate of the penetration of the NFC payment. The network externalities and the lack of consumer awareness about NFC services were identified as the most important demand side barriers. The most significant supply side barriers are the lack of uniform technological standards, the lack of NFC enabled mobile phones, and the coopetition issue. In addition, the interrelation between mentioned obstacles was identified. This fact means that a delay in the NFC payment’s diffusion is affected not by a single factor, but rather by a set of interrelated factors. The sources of these obstacles are related to the consumer acceptance, the specifics of business environment, and the technology.
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| 4. |
- Apanasevic, Tatjana, 1976-
(author)
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Mobile Payments : Main Trends in the Retail Industry
- 2014
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In: 25th European Regional Conference of the International Telecommunications Society (ITS), Brussels, Belgium, June 22 - 25, 2014.
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Conference paper (peer-reviewed)abstract
- The main objective of the ongoing study is to investigate obstacles ans driving forces affecting organization adoption of innovation. In order to that an example of the mobile payments applied in the Swedish retail industry has been used. The main analyzed factors are: adopter characteristics, supplier marketing activity, perceived innovation dcharacteristics, social network, and environmental influences.The analysis of case study findings helped to estimate some common trends in the adoption of mobile payment services by retailers. As a result, the analyzed factors were categorized as obstacles or driving forces to adoption of the mobile payments.
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| 5. |
- Apanasevic, Tatjana, 1976-, et al.
(author)
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Mobile payments : A proposal for a context-oriented approach based on socio-technical system theory
- 2018
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In: Journal of Innovation Management. - : Universidade do Porto - Faculdade de Engenharia. - 2183-0606. ; 6:3, s. 40-97
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Journal article (peer-reviewed)abstract
- A recent review of mobile payment research by Dahlberg et al. (2015) concludes that there is a need to synthesise this research area by studying contexts in which innovation is carried out and to integrate different aspects of research. This article aims to provide a proposal for how to achieve such integration and context orientation by building on previous studies and offering an additional review. Our systematic literature review of mobile payments research is focused on papers published during 2006–2016. The main objective is to examine how mobile payments research has been conducted from the methodological and theoretical perspectives. Our findings show that research on mobile payments is a multidisciplinary research. Three main themes in the research (in line with previous studies) are customer adoption, technological aspects, and business aspects. Moreover, research is mainly analytical based on a deductive approach. To meet the challenge formulated in the previous research, we propose and apply a socio-technical system framework to achieve synthesis and context-specific consideration in future research on mobile payments.
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| 6. |
- Apanasevic, Tatjana, 1976-, et al.
(author)
-
Mobile payments: a proposal for a context-oriented approach based on socio-technical system theory
-
In: Journal of Innovation Management. - 2183-0606.
-
Journal article (peer-reviewed)abstract
- A recent review on mobile payment research by Dahlberg et al. (2015) concludes that there is a need to synthesise this research area by studying contexts in which innovation is done as well as to integrate different aspects of research. This article aims to provide a proposal for how to achieve such integration and context-orientation by building on previous studies as well as an additional review. Our systematic literature review of mobile payments research is focused on papers published during 2006–2016. The main objective is to examine how mobile payments research has been conducted from the methodological and theoretical perspectives. Our findings show that research on mobile payments is a multidisciplinary research. Three main themes, which are in line with previous studies, in research are: customer adoption, technological aspects, and business aspects. Moreover, research is mainly analytical based on deductive approach. To meet the challenge formulated in the previous research, we propose and apply a socio-technical system framework to achieve synthesis and context-specific consideration in future research on mobile payments.
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| 7. |
- Apanasevic, Tatjana, 1976-, et al.
(author)
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Mobile ticketing services in the Northern Europe : Critical business model issues
- 2018
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In: Internet of Things Business Models, Users, and Networks, 2017. - Copenhagen, Denmark : IEEE. ; , s. 1-8
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Conference paper (peer-reviewed)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-In Be-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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| 8. |
- Apanasevic, Tatjana, 1976-, et al.
(author)
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Mobile ticketing services in the Northern Europe Critical business model issues
- 2017
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In: 2017 JOINT 13TH CTTE AND 10TH CMI CONFERENCE ON INTERNET OF THINGS - BUSINESS MODELS, USERS, AND NETWORKS. - : IEEE.
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Conference paper (peer-reviewed)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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| 9. |
- Apanasevic, Tatjana, 1976-
(author)
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Opportunities and challenges of mobile payment services : The perspective of service providers
- 2018
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Doctoral thesis (other academic/artistic)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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| 10. |
- Apanasevic, Tatjana, 1976-
(author)
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Organizational Acceptance of Mobile Payments
- 2014
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In: 30th annual International Marketing and Purchasing Conference (IMP 2014), Bordeaux, France, September 4-5, 2014.
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Conference paper (peer-reviewed)
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