I takt med att Internethandeln ökar och fler och fler använder smartphones, introduceras alternativa betallösningar på marknaden. En betalmetod som redan är etablerad är SMS-betalning. Med tanke på detta borde inte steget till att använda mobilbetalningstjänster i fysisk butik vara så stort. Syftet med denna uppsats är att undersöka de huvudfaktorer som påverkar användandet av mobilbetalningstjänster i fysiska butiker. Det huvudsakliga perspektivet ligger på användarna av tjänsterna, snarare än de butiker som erbjuder dem. Både kvalitativa och kvantitativa metoder har användt. Resultaten är baserade på data från en enkätundersökning, intervjuer och användartester. En intressant upptäckt från enkätundersökningen var att även fast människor har erfarenhet av SMS-betalning så verkar det som att få har vetskap om att mobilbetalningstjänster i fysisk butik existerar och därför inte börjat använda dem. I denna studie presenteras någa förslag på faktorer som kan tas i beaktande för att öka kunskapen och användarfrekvensen. De viktigaste faktorerna tycks vara uppfattad nytta, ekonomiska fördelar, uppfattade risker, standardisering och förenlighet med mäniskors existerande beteendemönser. / As Internet shopping increases and more and more people use smartphones, alternative payment solutions are introduced to the market. One payment method that is already established is SMS payment. Given these developments, mobile payment services in physical stores ought not be far from being adopted. The purpose of this essay is to examine the key factors that influence the use of mobile payment services in physical stores. The main focus is the perspective of the users of the services rather than the stores offering them. Both qualitative and quantitative methods have been applied. The results are based on data from a survey, interviews and usability tests. One interesting survey finding was that even though people have first-hand experience of SMS payment it seems that few people have knowledge of mobile payment services in physical stores, and therefore not adopted them. To increase the knowledge and adopting rate a suggestion of factors that can be taken into consideration is introduced in the study. The most important factors seem to be perceived usefulness, economic advantage, perceived risks, standardization and reconcilability with existing behavioural patterns.

The study aims to examine the current phenomena where consumers in Sweden increasingly choose mobile payment services as a payment method instead of using cash or credit cards. The study wants to answer the question “how does the increasing use of mobile payment services affect the consumer/user’s consumption and why do we choose the software as a payment method?” The study explains the main functions and characteristics of the top four mobile payment services in Sweden, but applies a case study on the most popular mobile payment service: Swish. The characteristics and functions that is examined is therefore delimited to Swish; but the linkages drawn from the why the consumer use mobile payment services, to a consumer’s consumption choices can of course generally apply to several mobile payment services.The study is divided into parts and chapters to increase reading comprehension, understanding of structure and fast identification of relevant and needed information.

The financial services division has been significantly impacted by the emergence of mobile payments, which can be attributed to the fast progressions in mobile technology and the widespread adoption of smartphones. The present research investigates critical factors prompting the adoption of mobile payment services in developed and developing countries, namely Sweden, Estonia, Germany, Pakistan, and Sri Lanka. This research aims to explain the resemblances and gaps in the adoption of mobile payments in developed and developing nations. The detailed analysis of the related past studies has identified organization, trust and security, financial inclusion, consumer preferences, and government support as the primary determinants that impact mobile payment adoption. The present investigation is based on the Technology Acceptance Model, including the extended model of Unified Theory of Acceptance and Use of Technology 2. Developed economies such as Sweden, Estonia, and Germany have the infrastructure to implement mobile payment alternatives effectively. The widespread adoption of mobile payments in these countries can be recognized by several factors, such as governmental initiatives that promote digitalization, a well-established financial framework, and consumer knowledge of various payment modalities. While implementing mobile payment services in developing nations like Pakistan and Sri Lanka presents distinctive obstacles. A significant portion of the general public lacks access to banking services, insufficient digital infrastructure, and reduced trust in technology exists. The anticipated surge in mobile payment adoption within emerging markets can be attributed to the widespread availability of smartphones and governmental efforts to broaden access to Mobile payment services. This research enhances our comprehension of the factors and barriers that constrain the implementation of mobile payment services. This research is useful for policymakers, banks, and technology firms as they develop strategies to expand mobile payment options.

Submitted by André Luis Milagres Fernandes (andreluis.fernandes@gmail.com) on 2018-07-26T17:21:45Z No. of bitstreams: 2 TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) / Approved for entry into archive by ÁUREA CORRÊA DA FONSECA CORRÊA DA FONSECA (aurea.fonseca@fgv.br) on 2018-08-01T14:14:55Z (GMT) No. of bitstreams: 2 TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) / Made available in DSpace on 2018-08-06T18:29:30Z (GMT). No. of bitstreams: 2 TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) TESE_FGV_ANDRE FERNANDES_VF.docx: 3451877 bytes, checksum: 5b4fa9b63d61baf05037f3324339f8b0 (MD5) Previous issue date: 2018-07-10 / O objetivo desta pesquisa é compreender fatores que influenciam a intenção de uso da moeda social digital, especificamente a influência da Percepção de Confiança Inicial, Percepção de Facilidade de Uso, Percepção de Risco e da Oportunidade de Experimentar o aplicativo da moeda social. O referencial teórico fundamenta-se nas teorias que buscam compreender a intenção de uso dos serviços de pagamentos móveis (M-payment). Os dados foram coletados a partir de um questionário em um levantamento amostral aliado a um experimento de campo aplicado a 256 usuários da moeda social em cédula de três bancos comunitários. A Oportunidade de Experimentar foi uma condição experimental aleatorizada para permitir uma inferência causal mais consistente. Para o teste das hipóteses de pesquisa empregamos o método de PLS-SEM (partial least squares - structural equation modeling). Os resultados indicam que a Oportunidade de Experimentar o aplicativo afeta positivamente a intenção de uso da moeda social digital por meio de seu efeito na percepção de facilidade de uso e percepção de risco sobre o aplicativo. A percepção de confiança também se mostrou como um fator que aumenta a intenção de uso da moeda social digital. / This study aims to understand factors that affect the intention to use a digital social currency, namely the influence of the Initial perception of trust, Perception of ease of use, perception of risk and opportunity to try the app of the digital social currency. The theoretical framework is based on theories that try to explain the intention to use mobile payment services (M-payment). The empirical data was collected by means of a questionnaire in a survey experiment applied to 256 users of the paper social currency of three different community banks. The opportunity to try the app was an experimental condition randomly assigned in order to allow for robust causal inference of its effects. Hypotheses were tested using Partial Least Squares structural equation models (PLS-SEM). Results indicate that the opportunity to try the app positively affects the intent to use the digital social currency by means of its effect on the perception of ease of use and the perception of risk about the app. Trust also showed a positive effect on the intention to use the digital social currency.