Jan Ondrus, Yves Pigneur
Proceedings of the 38th Annual Hawaii International Conference on System Sciences (HICSS’05), IEEE Computer Society, 3-6 Jan 2005, Hawaii, USA.
[Nominated for Best Paper Award]
Publication year: 2005

Abstract
Mobile payments are predicted to have a bright future as m-commerce becomes more popular. However, this promising application has not been as successful as anticipated. This can be partially explained by the infancy of the market and a lack of standards. Moreover, technological and business issues create a market uncertainty that mobile network operators and financial institutions have difficulties managing. Thus, the evolution of the mobile payment market is subject to many speculative scenarios. This paper analyzes two possible disruptions of the mobile payment market.