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1、標(biāo)題:AstudyofmajorMobilepaymentsystemsfunctionalityinEurope原文:Abstract-Mobilepaymentisanexcitingdomain,whichwillrapidlyevolveintheyearstocome.ThekeytoMobilepaymentacceptanceisinthehandsofcustomers.InthispaperfirstsomeofthemajorEuropeanMobilepaymentsystemsareintroducedandonsecurity,cost,
2、convenesandfunctionalityrequirementcriteria,thentheresultsofpastresearchesaboutthecustomerandmerchantadoptionofMobilepaymentsystems(mp)arereviewedandbarriersanddriversfrombothcustomerandmerchantviewarecompared.Hereby,thispapertriestofindshortcomingsinmajormpsystemsandpresentsthemajorb
3、arriersanddriverstowidespreadadoptionofmobilepaymentfrombothcustomerandmerchantpointofview.I、INTRODUCTIONWiththeflourishingofelectroniccommerceandwidespreaduseofmobiledevices,anewtypeofserviceisemergingthatextendse-businessusingwirelesstechnologybyenablinge-commerceservicesonmobiledev
4、ices.Mobilepaymentsarepaymentsforgoods,services,andbillswithamobiledevice(suchasamobilephone,smart-phone,orpersonaldigitalassistant(PDA)bytakingadvantageofwirelessandothercommunicationtechnologies.Thekeytomobilepaymentacceptanceisinthehandsofcustomers.Themostimportantproblemtobroadacc
5、eptanceandusageofanmobilepayment(MP)procedureistheobtainmentofacriticalmass.Thistendstobeanhen-egg-problem:Ontheonehandcustomerswillnotusetheprocedureunlessasignificantnumberofmerchantsacceptsit,ontheotherhandmerchantswillnotbewillingtoaccepttheprocedureunlessasignificantnumberofcusto
6、mersusesit.Atpresent,therearemanyexamplesofsuccessfulmobilepaymentapplicationssuchasthemobilecontentmarketwhichhasdevelopedintoabilliondollarbusiness,PayPal.Wideradoptionofmobilepayments,however,hasnotbeenasrapidorwidespreadasexpectedandthereisalonglistofdiscontinuedmobilepaymentservi
7、cessuchastheSimpayinitiativeandthePayboxlaunchedinseveralEuropeancountries.Thereissomedebateabouttypesofm-payments.Somepartiesseem-paymentsasanewproduct,whilstothersseem-paymentsasanewservice.TheEuropeanCentralBankcategorizesm-paymentsasm-payments,anewpaymentinitiativethatisaccessible
8、viamo