According to the Swedish Central Bank (2022), the use of mobile payments is low comparedto other traditional payment services in Sweden. The purpose of my study is to examineSwedish consumers' attitudes towards the use of mobile payments in Sweden. The study aimsto answer questions about what attitudes Swedish consumers exhibit towards mobile paymentsand what factors influence their attitudes towards the use of mobile payments. The study isprimarily based on the adoption theory, which includes five factors - relative advantages,compatibility, complexity, testability, and observability - and secondarily on consumerbehaviour and additional factors such as social influence and financial risks. The goal was toidentify the factors that influence Swedish consumers' attitudes towards the use of mobilepayments.According to the results of my quantitative study with a deductive approach, based on aquestionnaire distributed in April 2022 to 100 people using various payment services, Swedishconsumers exhibit a positive attitude towards the use of mobile payments through severalfactors corresponding to relative advantages, compatibility, and social influence. Complexityand financial risks, however, exhibit a negative attitude. The study concludes that consumersuse mobile payments, and that usage is influenced by various factors both positively andnegatively. Compatibility is the biggest positive factor affecting Swedish consumers' attitudestowards the use of mobile payments.Mobile payments replace other payment services because mobile payments have moreadvantages and are compatible with consumers' usage.The study shows that there is no difference between younger and older people when it comesto the use of mobile payments.

Rapid digitalisation development has been stampeding widely across today’s societies, and not least in the payment industry. Though, the digitalisation in the payment industry has been very deviating, even between similar well-developed countries, and while there are positive and negative effects with both digital- and physical payment means, there is little knowledge that highlights the influencing factors and accompanied problems. This study therefore explore swhich, and how, different factors influence a country’s degree of digital payments, and creates further understanding of where the payment markets are heading in the future. It is done through a case study of four different industrialised countries, Sweden, Italy, Canada, and Switzerland which involves mapping the countries’ payment markets, as well as potential factors influencing a population’s payment habits, through a perspective of innovation theory in terms of dominant designs and technological discontinuities. Theory of network externalities and two-sided platforms are further used to explain and discuss how a two-sided market, likethe payment market, is affected by changes and other circumstances in different ways.Conclusions are then drawn from the used theories together with a comparison of the findings,and identifies certain influencers to a country’s distribution of payments, as well as provides indications of where the different payments markets are heading in the future. Data is mainly gathered through written material and credible databases, but also from semi-structured interviews. / Den snabba digitaliseringen har slagit sig fram i dagens samhällen, och inte minst i betalningsindustrin. Dock har digitaliseringen i betalningsindustrin varit mycket avvikande mellan liknande välutvecklade länder, och medan det finns positiva och negativa effekter med både digitala och fysiska betalningsmedel, finns det inte mycket kunskap om påverkandefaktorer och medföljande problem. Denna studie undersöker därför vilka, och hur, olika faktorer påverkar ett lands grad av digitala betalningar, och vidare skapar ytterligare förståelse för var betalningsmarknaderna är på väg framöver. Detta görs genom en fallstudie av fyra olika industrialiserade länder, Sverige, Italien, Kanada och Schweiz, som innebär en kartläggning av ländernas betalningsmarknader, och av potentiella faktorer som påverkar befolkningens betalningsvanor, genom ett perspektiv från innovationsteori i form av dominerande design och tekniska diskontinuiteter. Teori om nätverksexternaliteter och tvåsidiga plattformar används vidare för att förklara och diskutera hur en tvåsidig marknad som betalningsmarknadenpåverkas av förändringar och andra omständigheter. Slutsatser dras sedan från de användateorierna tillsammans med en jämförelse av resultaten och identifierar påverkande faktorer tillett lands betalningsdistribution, samt ger indikationer på var de olika betalningsmarknaderna är på väg framöver. Data samlades huvudsakligen in genom skriftligt material och från tillförlitliga databaser, men även från semistrukturerade intervjuer.