Business Model for Mobile Payment in China

2015 ◽  
Vol 5 (2) ◽  
pp. 20-43 ◽  
Author(s):  
Jie Guo ◽  
Shahrokh Nikou ◽  
Harry Bouwman
Keyword(s):  
Business Model ◽  
Mobile Network ◽  
User Profile ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Research Approach ◽  
Mixed Method Research ◽  
Design Issues ◽  
Structured Interviews ◽  
Payment Services

Despite the predicted success of mobile payment, the market remains immature in most countries. Major concerns are the relationship between push and pull technologies, and the role of platforms, service innovation, power and control in ecosystems. As the first step in their mixed-method research approach, using Analytic Hierarchy Process (AHP) as a research approach and the STOF business model as a research framework, the authors aim to identify design issues for m-payment services from mobile network operators' perspectives. Furthermore, the authors compare insights from semi-structured interviews with experts in the field to the empirical findings, to assess how the actual business model of Chinese m-payment services can be improved based on design issues derived from the business model. The results show that components such as building customer trust on payment services, innovative payment experience, and extend market to new segments, guarantee security and privacy issues, user profile management, and hardware problems involving existing infrastructure, customer/merchant relationship, platform interoperability, and cost saving on fraud detection need to be improved to enhance the potential of m-payment, supported by a viable and sustainable business model. There is also a role for policy and regulation to be played.

Business Model for Mobile Payment in China

2020 ◽  
pp. 268-293
Author(s):  
Jie Guo ◽  
Shahrokh Nikou ◽  
Harry Bouwman
Keyword(s):  
Business Model ◽  
User Profile ◽  
Mobile Payment ◽  
Research Approach ◽  
Mixed Method Research ◽  
Design Issues ◽  
Structured Interviews ◽  
Sustainable Business ◽  
Analytic Hierarchy ◽  
Payment Services

Despite the predicted success of mobile payment, the market remains immature in most countries. Major concerns are the relationship between push and pull technologies, and the role of platforms, service innovation, power and control in ecosystems. As the first step in their mixed-method research approach, using Analytic Hierarchy Process (AHP) as a research approach and the STOF business model as a research framework, the authors aim to identify design issues for m-payment services from mobile network operators' perspectives. Furthermore, the authors compare insights from semi-structured interviews with experts in the field to the empirical findings, to assess how the actual business model of Chinese m-payment services can be improved based on design issues derived from the business model. The results show that components such as building customer trust on payment services, innovative payment experience, and extend market to new segments, guarantee security and privacy issues, user profile management, and hardware problems involving existing infrastructure, customer/merchant relationship, platform interoperability, and cost saving on fraud detection need to be improved to enhance the potential of m-payment, supported by a viable and sustainable business model. There is also a role for policy and regulation to be played.

scholarly journals Predicting mobile network operators users m-payment intention

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Choi-Meng Leong ◽  
Kim-Lim Tan ◽  
Chin-Hong Puah ◽  
Shyh-Ming Chong
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Mobile Network ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mediation Effect ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services ◽  
Mobile Network Operators

Purpose This study aims to investigate the intention of using mobile payment (m-payment) services in Sarawak, Malaysia. Design/methodology/approach A total of 194 online payment users were selected to respond to the structured questionnaire. The partial least squares-structural equation modelling (PLS-SEM) was used to analyse the data by assessing the measurement and model. Findings Perceived usefulness (PU) and perceived ease of use mediated the relationship between perceived compatibility (PC) and the intention to use the mobile payment for mobile network operators’ services. Research limitations/implications The analysis provides insights that PC is considered as a significant determinant for mobile payment of mobile network operators’ services. Practical implications The operators can consider factors such as PC in the design of their mobile applications and the potential to expand the m-payment services to others e-wallet such as Sarawak e-wallet. The model possesses medium prediction power, which suggests that other variables such as perceived security and personal innovativeness also can be used to predict the usage behaviour of mobile payment for the mobile network services. Originality/value The present study contributes to the m-payment users’ behaviour intention literature by investigating the mobile-based predictors of using m-payment technology in an emerging digital economy state in Sarawak, Malaysia. This study also extends the knowledge of technology acceptance model by introducing the mediation effect of PU and ease of use between the mobile-based predictors and m-payment intention.

Mobile Payment Services, Government Involvement, and Mobile Network Operator Performance

2022 ◽  
Author(s):  
Yan Dong ◽  
Sining Song ◽  
Fan Zou
Keyword(s):  
Critical Role ◽  
Market Performance ◽  
Mobile Network ◽  
Problem Definition ◽  
Financial Inclusion ◽  
Mobile Payment ◽  
Data Set ◽  
Government Involvement ◽  
Payment Services

Problem definition: Recent developments in mobile payment services (MPS) have shown an increasing role of mobile-government (m-government) initiatives in improving the market performance of mobile network operators (MNOs) and financial inclusion. High costs and operational challenges have discouraged MNOs from fully committing to the development of MPS, but government involvement under m-government may increase MNO user bases by providing the scale and scope necessary to incentivize MNOs. Academic/practical relevance: Extant research on mobile payment has ignored the role of governments as important stakeholders in the mobile financial ecosystem. Our research contributes to the literature by examining the role of governments as business partners in MPS launches and the effect of government involvement on MNO user bases. Methodology: Using a unique proprietary data set from the mobile network industry, we design a quasi-experiment to examine the causal effects of government involvement in MPS on MNOs’ total mobile connections. More importantly, we adopt a changes-in-changes (CIC) estimation approach to further establish nonlinear treatment effects of government involvement based on MNO size and MPS type. Results: We find that government involvement expands MNO user bases beyond MPS launches. Such effects increase with MNO size and MPS variety, favoring larger MNOs and, to a certain degree, MNOs with diverse offerings of government-involved MPS. Government involvement in MPS launches also directly benefits MNOs with microloan services. In addition, government regulations and policies to encourage financial inclusion can also expand MNO user bases. Managerial implications: Governments play a critical role in promoting technologies and financial services both as a regulator and as a business partner. To improve market performance, MNOs should take advantage of the scale and scope of government services by partnering with government agencies in launching MPS. MNOs should also embrace government policies and regulations to increase user bases.

scholarly journals AN INVESTIGATION ON CORPORATE SOCIAL RESPONSIBILITY OF CONSTRUCTION ORGANISATIONS IN DISASTER IN SRI LANKA

2020 ◽  
Author(s):  
N.B. NANAYAKKARA ◽  
◽  
Y.G. SANDANAYAKE ◽  
B.J. EKANAYAKE ◽  
◽  
...  
Keyword(s):  
Corporate Social Responsibility ◽  
Sri Lanka ◽  
Social Responsibility ◽  
Work Force ◽  
Research Approach ◽  
Sri Lankan ◽  
Mixed Method Research ◽  
Structured Interviews ◽  
Disaster Situation ◽  
Corporate Social

Corporate Social Responsibility (CSR) is a concept, which is broadly determined as ensuring the efficacy of the organisation in integrating social and environmental considerations into organisational operations. In Sri Lankan context, a great enthusiasm can be seen among organisations to engage in CSR initiatives. Having considered the importance and impact, the study aims to investigate the importance of CSR initiatives by construction organisations in disasters in Sri Lanka. Thus, a mixed method research approach was followed as the methodology of this study. Findings are based on semi-structured interviews held with construction industry professionals. Findings of this study revealed that the implementation of CSR initiatives is more important during a disaster situation in the aspects of both affected party and aiding party. Moreover, construction organisations implement CSR during disaster situations by considering it as a mandatory responsibility of an organisation. Further, most of the construction organisations engage in CSR implementation during natural disaster situations. In practice all the construction organisations tend to engage in reactive initiatives. More importantly, it is revealed that both the organisational work force and society are benefitted through CSR implementation in disaster situations.

scholarly journals Client's expectations, perceptions and experiences of hotel spas and their services in eThekwini municipality

2019 ◽  
Author(s):  
◽  
Sinethemba E. Khathi
Keyword(s):  
Tourism Industry ◽  
Research Approach ◽  
Mixed Method Research ◽  
Structured Interviews ◽  
Convenience Sample ◽  
Number Of Factors ◽  
Client Expectations ◽  
Set Up ◽  
Almost All ◽  
Purposive Sample

Background Spas are considered the fastest-growing sector in the tourism industry. Although a significant number of studies have been conducted in the spa industry, few have studied the spa market segmentation according to client expectations and experiences. Aim of the study This study aimed to explore clients’ expectations, perceptions and experiences regarding hotel spas and their services in the eThekwini Municipality. Methodology A mixed method research approach was used to conduct this study. A purposive sample of 15, and convenience sample of 120, spa clients were invited to participate in the study. A SERVQUAL questionnaire and semi-structured interviews were used to collect data. Quantitative data was analysed using the Statistical Package for Social Sciences (SPSS) version 24.0 and qualitative data was analysed thematically. Results The study had a 100% response rate. Almost all clients were not satisfied by the hotel spa treatments and services. The three main reasons for this were that spa management had no clue about what clients expected, the therapist’s knowledge and skills needed improvement and the spa environment required transformation. Conclusion EThekwini hotel spa clients have high levels of expectations that are not met owing to a number of factors in spas. Clients suggested ways that can be employed to meet their needs in spas, some of them are modern spa set up, professionalism, hygiene and quality service. A therapist’s qualification, training and industry board is recommended in order to control and improve the challenges faced by hotel spa clients.

scholarly journals Reflections on the Influence of Family Demographics on Food Waste Generation among the City of Tshwane Households, Republic of South Africa

2021 ◽  
Author(s):  
Machate Machate
Keyword(s):  
Family Size ◽  
Food Waste ◽  
Employment Status ◽  
Meta Analysis ◽  
Research Approach ◽  
Mixed Method Research ◽  
Waste Generation ◽  
Monthly Income ◽  
Structured Interviews ◽  
The City

This chapter presents the influence of households’ demographics on food waste generation. A mixed method research approach consisting of meta-analysis, survey (structured interviews), and experimental were used to collect opinions and weigh the amount of waste generated in each household. Although not all demographic variables were investigated, the influence of: (1) family size, (2) household monthly income, (3) employment status, (4) educational level, and (5) age of respondents on food waste generation were analyzed. The results of the study confirmed that age and family size are positive factors that influence the amount of food waste generated in households of the City of Tshwane, as opposed to the level of education, employment status, and monthly income levels. It should be noted, however, that this study does not conclusively exclude the other factors as not having an influence in food waste generations. However, their influence in the current food waste generation quantities was not conclusive. Further studies with larger sample size are thus recommended.

scholarly journals Coping with food poverty in cities: The case of urban agriculture in Glen Norah Township in Harare

2015 ◽  
Vol 31 (3) ◽  
pp. 202-213 ◽  
Author(s):  
Steven Masvaure
Keyword(s):  
Urban Agriculture ◽  
Urban Poor ◽  
Critical Role ◽  
Research Approach ◽  
Coping Mechanism ◽  
Mixed Method Research ◽  
Structured Interviews ◽  
African Countries ◽  
African Cities ◽  
The Impact

AbstractThe focus of this study is on urban agriculture which is a common informal sector activity across most sub-Saharan African cities. Urban agriculture is more common among poor urban households, and acts as a poverty coping mechanism. Poor households often spend more than 60% of their income on food alone. The major thrust of this study was to understand the underlying mechanisms driving farming in cities. A mixed method research approach was adopted and data was collected from 103 households in Glen Norah Township in Harare, Zimbabwe through semi-structured interviews, questionnaires and observations. Arising from analysis of the data, the Urban Livelihoods Coping Model (ULCM) is proposed in order to explain the phenomenon of urban agriculture in African cities. This model acknowledges the fact that the socio-economic conditions and the socio-historical context of Zimbabwe and other African countries today is as a result of the influence of ‘Western leaning’ development policies influenced by modernization and associated theories. These theories combined with cultural factors and the impact of Structural Adjustment Policies resulted in the present situation where urban agriculture plays a critical role in the survival of the urban poor as a coping mechanism against food poverty. The ULCM ascribes the emergence of urban agriculture to necessity, ability and opportunity. The significance of this study is that it will contribute to understanding the socio-economic role of urban agriculture and how it can be factored into the urban planning systems of developing countries.

scholarly journals Exploring the Fundamental Factors of Digital Inequality in Bangladesh

SAGE Open ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 215824402110214
Author(s):  
Muhammad Nazrul Islam ◽  
Toki Tahmid Inan
Keyword(s):  
Group Discussion ◽  
National Development ◽  
Information And Communications Technology ◽  
Survey Study ◽  
Future Research ◽  
Research Approach ◽  
Mixed Method Research ◽  
Structured Interviews ◽  
Digital Inequality ◽  
Future Research Agenda

Digital inequality is imperative to combat the perpetuation of national development and significantly exists in developing countries. Thus, the purpose of this article is to provide the underlying factors of creating digital inequality in Bangladesh. A mixed-method research approach was followed where both the qualitative and quantitative data were collected using focus group discussion (FGD), semi-structured interviews, and survey. The FGD and interviews were replicated with a total of 60 participants (each study with 30 participants), while 326 respondents participated in the survey study. The content analysis, word cloud, affinity diagram, and descriptive statistics were used to analyze the data. As an outcome, the studies revealed 23 factors that create digital inequality in Bangladesh. The factors were clustered into five groups (referred as elements) of digital inequality through an affinity diagram. The resultant elements of digital inequality were educational, infrastructural, social, economic, and usable design. The results reflect on what factors should consider ensuring the inclusion, adoption, and contributions of information and communications technology in Bangladesh, which in turn contributes to reducing the digital inequality in Bangladesh. As a practical contribution, this research provides an in-depth scenario of digital inclusion and exclusion in Bangladesh, and the underline factors of creating digital inequality, so that nongovernmental organizations and government organizations may take necessary initiatives toward each dimension of digital inequality. The results also include identification of future research agenda toward reducing digital inequality.

scholarly journals Sense of Coherence in Managers during COVID-19 and the New World of Work: A Mixed-Method Study

2021 ◽  
Vol 18 (21) ◽  
pp. 11492
Author(s):  
Claude-Hélène Mayer ◽  
Cemonn Wegerle ◽  
Rudolf M. Oosthuizen
Keyword(s):  
Sense Of Coherence ◽  
Mixed Method ◽  
Young Female ◽  
Theory And Practice ◽  
Male Participant ◽  
Research Approach ◽  
Mixed Method Research ◽  
Snowball Sampling ◽  
Structured Interviews ◽  
Systemic Understanding

During COVID-19, the working world has changed inevitably, and many managers experience extreme strain and stress. This study determines how managers cope with the changes during COVID-19 from a positive psychology and salutogenic perspective. It employs a hermeneutical research design and an interpretivist paradigm by using a mixed-method research approach in which managers’ sense of coherence (SOC) is investigated quantitatively through the 29-item Life-Orientation scale and qualitatively through semi-structured interviews. Purposeful and snowball sampling techniques are used. The sample consists of 17 managers. Data were collected in different organizations within South Africa and analysed through content analysis, linking quantitative and qualitative data in a holistic, integrated and complex way. In terms of the quantitative findings, the managers scored at the medium and higher end of the SOC-scale in comprehensibility, followed by manageability and finally meaningfulness. Male managers in the age group 47–57 scored highest. Female and younger managers scored lower on average. Lowest scores in comprehensibility and manageability were scored by a young female manager, while in meaningfulness the oldest male participant scored lowest. The qualitative findings show that high scoring SOC managers apply complex thoughts to the present and future workplace scenario. Individuals with lower SOC scores do not present as much knowledge, complex thinking and argumentation structures during the interview in comprehensibility scores as high scoring SOC managers, yet still acquire resources to manage the workplace (manageability). High meaningfulness scores are associated with creating meaningful workplace interaction (human–human and machine–human), knowledge distribution through technology, impactfulness, experiencing the job as meaningful, including helping others, and achievements. Managers have a complex view of the world and findings show the complex connections of a high/low SOC scores and the managers’ explorations and systemic understanding regarding their managerial world. Conclusions and recommendations for theory and practice are given.

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