Abstract
Due to the significant growth in the usage of cell phone by customers and its availability, this tool can be considered such the best tool. For e-payment for implementing the mobile payment service, other objects and players should be considered such as banks, operators, service providers and the used technology as the effective interaction role. In addition, for effective optimization of parameters for implementing the mobile payment solution a proper model of business should be used. First of all, in this experiment, different business models in the field of mobile payment and the role of each stakeholder in these models and their positive and negative points are discussed. Moreover, by using method of Multiple Criteria Decision Making, four famous business models of the world are evaluated and the result of this evaluation highlights that the cooperation model is the most Appropriate Model in terms of mobile payment methods.
Highlights
A prominent decision which may lead to success of mobile electronic commerce is selection of a proper and optimal payment model representing the interaction between stakeholders in a suitable manner
This study aims to examine these four models and present their advantages and drawbacks; using a multiple criteria decision making model the best candidate is selected for mobile electronic payment
In this study four main business models for mobile payment were investigated. For this purpose the participants of business models were identified and the position of each participant was determined in these models
Summary
A prominent decision which may lead to success of mobile electronic commerce is selection of a proper and optimal payment model representing the interaction between stakeholders in a suitable manner. Diverse mobile payment business models are evolving . The main differences of these methods are related to various answers which are provided for the following question; who does establish the connection between end user, bank, operator and other nonbank companies? Another class of differences is associated with nature and regulations of companies or bank and nonbank representatives. There are four potential model of mobile payment: Operator-Centric model, bank-centric model, peer to peer model and collaboration model. This study aims to examine these four models and present their advantages and drawbacks; using a multiple criteria decision making model the best candidate is selected for mobile electronic payment
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