Mobile payments is a topic that is gaining increased attention in both research and in the media. Trends have been identified that show an increase in the use of both smartphones and mobile applications. At the same time there has been a decrease in cash use, with a move towards alternative cashless means of payment in Sweden. Existing research has focused on this type of trend research and also looking at mobile payments in a general sense. There is a gap in the research where the acceptance of mobile payment applications are receiving very little to no attention. The purpose of this thesis is then to identify the determinants of the acceptance of mobile payment applications. Using existing Technology Acceptance Model research on mobile payments, 13 hypotheses were proposed that all related to various factors of acceptance of mobile payment applications. A questionnaire was constructed to test these hypotheses and distributed using convenience sampling. The hypotheses and questionnaire was used to construct a conceptual model in AMOS, where we subsequently used multiple regression analysis to analyze the gathered data. This resulted in 6 hypotheses being accepted and 7 hypotheses being rejected. The factors that was shown to have a significant effect on the acceptance of mobile payment applications, ranging from largest effect to the least are: attitude towards using mobile payment applications, perceived usefulness of mobile payment applications, the subjective norm of the individual, perceived ease of use of the mobile payment application, perceived credibility of the mobile payment application and perceived compatibility of the mobile payment application.

Sverige är idag i framkant av den mobila betalningsteknologin, trots det råder få studier på området som genomförts i Sverige. Samtidigt visar tidigare studier att demografiska faktorer påverkar hur saker och ting uppfattas. Därför har faktorerna ålder, kön och utbildning studerats i förhållande till risk, tillit och servicekvalitet med mobila betalningsapplikationer. Studien grundas i en deduktiv forskningsansats och är en kvalitativ undersökningsmetod. Det empiriska materialet har samlats in genom fokusgrupper baserat på ålder. Urval av deltagare har gjorts genom bekvämlighetsurval. Insamlad data har analyserats genom innehållsanalys. Dessutom har studiens validitet och reliabilitet resonerats kring, även etiska överväganden. Resultatet av studien visar att demografiska faktorer påverkar i viss utsträckning. Ålder och utbildning påverkar hur risk och tillit uppfattas. Däremot påträffas inte kön som en demografisk faktor som påverkar upplevd risk, tillit eller servicekvalitet. Studien visar också att andra demografiska faktorer påverkar, i den här studien framträder Sverige och dess infrastruktur som en betydande faktor till upplevd risk, tillit och servicekvalitet med mobila betalningsapplikationer. / Sweden is today in the forefront of mobile payment technology, despite that, there are few studies in the area that have been conducted in Sweden. At the same time, previous studies show that demographic factors affect how things are perceived, therefore the factors age, gender and education have been studied in relation to risk, trust and service quality with mobile payment applications. The study is based on a deductible research effort and is a qualitative survey method. The empirical material has been collected through focus groups based on age. Selection of participants has been made by convenience checkout. The collected data has been analyzed by content analysis. In addition, the validity and reliability of the study have been resonated, including ethical considerations. The result of the study shows that demographic factors affect to a certain extent. Age and education affect how risk and confidence are perceived. However, gender is not found as a demographic factor that affects perceived risk, trust or service quality. The study also shows that other demographic factors influence, in this study, Sweden and its infrastructure appear to be a significant factor in perceived risk, trust and service quality with mobile payment applications.