Mobile money, a means of transferring payments via mobile devices, has become increasingly popular. The demand for convenient financial products or services is a crucial factor in why innovative developers want to incorporate mobile money into existing financial products/services. The goal is to provide convenient financial services that enable customers to quickly send and receive money between two mobile payment platforms. The Swedish blockchain company, Centiglobe, is searching for a system whereby payments can be made conveniently between two mobile payment platforms, specifically Alipay and M PESA. This thesis sought to develop such a system by utilizing the application programming interfaces (APIs) (provided by Alipay and M PESA) coupled with Centiglobe’s blockchain to facilitate payments between an Alipay user and an M PESA user. Solving this problem began with an initial literature study of previous work related to this topic and reading the extensive API documentation provided by Alipay and Daraja Safaricom (the developers of M PESA). Next, a flowchart was created and used as a guide throughout the development of the system. Testing the system entailed integration testing. The performance of the system was determined by measuring the execution time to make a cross system payment. A one-way transfer system was developed, as Alipay users can make a payment to M PESA users but not the reverse. The results of the integration testing shows that the system is a feasible solution. The execution time of a payment shows that it is relatively quick (~9.1 seconds); thus the performance is adequate.The conclusion is that this system is a viable solution for incorporating Alipay and M PESA as mobile payment services. Moreover, the system partially facilitates person-to-person payments between them – subject to the limitations of the Alipay API. In addition, this system provides a foundation for other inter-platform mobile payment solutions. / Mobila pengar, ett sätt att överföra betalningar via mobila enheter, har blivit alltmer populära. Efterfrågan på praktiska finansiella produkter eller tjänster är en avgörande faktor för varför innovativa utvecklare vill integrera mobila pengar i befintliga finansiella produkter / tjänster. Målet är att tillhandahålla praktiska finansiella tjänster som gör det möjligt för kunder att snabbt skicka och ta emot pengar mellan två mobila betalningsplattformar. Det svenska blockchainföretaget Centiglobe söker ett system där betalningar kan göras bekvämt mellan två mobila betalningsplattofrmar, särskilt Alipay och M-PESA. Denna avhandling försökte utveckla ett sådant system genom att använda applikationspogrammerinsgränssnitt (API) (tillhandahållet av Alipay och M-PESA) i kombination med Centiglobe’s blockchain för att underlätta betalningar mellan en Alipay-användare och en M-PESA-användare. Lösningen av detta problem började med en första litteraturstudie av tidigare arbeten relaterat till detta ämne samt en omfattande läsning av API-dokmentationen från Alipay och Daraja Safaricom (utvecklarna av M-PESA). Därefter skapades ett flödesschema och detta användes som en guide under hela utvecklingen av systemet. Testning av systemet medförde integrationstestning. Systemets prestanda bestämdes genom att mäta exekveringstiden för att göra ett tvärsystemsbetalning. Ett envägsöverföringssystem utvecklades, eftersom Alipay-användare kan göra en betalning till M-PESA-användare men inte tvärtom. Resultaten av integrationstestningen visar att systemet är en genomförbar lösning. Utbetalningstiden för en betalning visar att den är relativt snabb (~9.1 sekunder); därav en lagom prestanda. Slutsatsen är att detta system är en lönsam lösning för att integrera Alipay och M-PESA som mobila betalningstjänster. Dessutom underlättar systemet delvis personliga betalningar mellan dem – med förbehåll för begräsningarna i Alipay API. Dessutom erbjuder detta system en grund för andra mobila betalningslösningar mellan plattformarna.

With the development of online shopping, the number of third-party online payment systems increases. Alipay is a commonly used third-party online payment system among Chinese consumers. The purpose of this study was to explore the factors that affect the users’ acceptance of Alipay among Chinese B2C customers. This study adopts a deductive, theory testing approach. Based on the model of Unified Theory of Acceptance and Use of Technology (UTAUT), a research model and hypotheses were proposed. A survey study was performed with a quota sample of 300 Chinese online shopping consumers. Based on the responses, the hypotheses were tested through statistical analysis. Through testing the hypotheses, it was concluded that: “Social Influence”, “Effort expectancy” were the factors that most prominently could affect B2C user’s acceptance of Alipay. Hence, third-party online systems suppliers should focus on social marketing and increasing the ease of use of the systems to increase user acceptance. Other similar third-party online payment company could take those identified factors as reference in further user acceptance study, and the proposed research model in this study could also help in improving understanding of user acceptance in similar third-part online payment system.

In 21st century, the constant development in economy promotes the expanding advancement of science and technology. In the global range, mobile payment has witnessed continuous expanding and application in a wider range of situations, which is considered to be one of the most potential industries in the world. However, as has been noticed by researchers, the popularity of mobile payment is limited to people of certain age groups, different areas, countries and other factors. And compared to former research, this thesis is based on the background of that all the technology including mobile technology, intelligent phones, network and many other aspects in our lives have developed much these years, the collected data and results in this thesis can reflect the newest feeling and opinion about mobile payment. Therefore, in order to find out factors which influence the usage intention of using mobile payment in this modern society, qualitative method was used in this research. By observing and interviewing the participants from different age, countries and gender, the research finds out the perceived ease of use, the perceived usefulness, perceived risks, situations, reliance are the main factors which influence the people’s usage intention of mobile payment. Moreover, based on the analysis of factors of usage intention, useful suggestions has been given to help mobile payment providers widespread application of mobile payment and offer more convenient payment environment to users.

As the largest third-party payment platform in China, Alipay has joined the team of making the world greener with the embedded cute mini APP--Ant Forest. Why are so many Alipay users willing to plant trees through Ant Forest? What are the motivations that affect their continued planting for months or even years? Based on the previous literature, we outlined a new framework to investigate the motivation in Ant Forest. The data were collected through a pilot study and semi-structured interviews with fourteen Chinese Alipay users; at the same time, they are Ant Forest participants. This article analyzes how intrinsic motivations (enjoyment, fulfillment, altruism, social interaction, identification), extrinsic motivations (external rewards, reciprocity, competition) influencing Chinese users to participate in Ant Forest, and whether these motivations have different influences and relationships when motivating participants. What’s more, we can through intrinsic motivation and extrinsic motivation to know how a mini-app that aggregates multiple features can attract users' continued participation, and give suggestions to the firm.

Purpose: The purpose of the study is to investigate what marketing measures stores carry out to attract and simplify the purchase for the Chinese customer.  Completion: A qualitative study has been conducted focusing on how Chinese tourism has affected the Swedish retail trade. The study is based on a total of twelve different respondents who are localized in the Stockholm area. A total of 9 semi-structured interviews were conducted and 2 email correspondence. Nine of these consist of retail stores, the rest of which consists of a marketing company that focuses on the Chinese market, a Chinese newspaper independent of China and a communications company for the Swedish tourism industry.  Results: The findings of the study show that there are indications and a rising interest in introducing Chinese social media and payment methods in the future. This is mainly due to the fact of the observed increase of Chinese customers as well as this group accounting for 45% of Sweden’s total tax-free trade. Among the respondents, only three shops have adopted the payment methods today and one has been present on WeChat. / Syfte: Syftet med studien är att undersöka vilka marknadsföringsåtgärder butiker genomför för att attrahera och förenkla kinesernas köp Genomförande: En kvalitativ studie har genomförts med fokus på hur den kinesiska turismen har påverkat den svenska detaljhandeln. Studien baseras på totalt tolv olika respondenter som befinner sig i Stockholmsområdet. Nio av dessa består av butiker inom retail branschen, resterande består av ett marknadsföringsföretag som fokuserar på denna marknad, en kinesisk tidning oberoende av Kina samt ett kommunikationsföretag för svensk turistnäring. Det utfördes en systematisk tematisering av det insamlande materialet. Slutsats: Denna studie fann att bland de intervjuade butikerna var det endast 3 butiker idag som har antagit de kinesiskabetalningsmetoderna och att en använder sig av Kinas sociala medieapp, WeChat. Resterande respondenter meddelade att det finns funderingar på att införa dessa i framtiden då det observerat en stor ökning av kinesiska kunder under de senaste åren samt att denna grupp enligt Global Blue står för 45% av Sveriges totala tax free handel.

In order to achieve a cashless society, many countries have started to use electronic payment methods and tools to replace traditional payment methods. China and Sweden already have mature electronic payment tools, Swish, and Alipay. In this research, a phenomenological approach was used to interview users comparing two electronic payment tools, the Chinese Alipay and the Swedish Swish. The analysis of the respondents’ answers shows that convenience, security, and cost of electronic payment tools are the most important aspects to them, which is in line with previous research on acceptance, adoption and use of new technology, not only electronic payment tools. Convenience and security were more important. However, too much convenience will affect the interviewees' trust in electronic payment tools because it will make interviewees feel unsafe. Respondents' trust is affected by their own acquaintance; they trust electronic payment tools they know better.