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.
| Identifer | oai:union.ndltd.org:UPSALLA1/oai:DiVA.org:uu-533183 |
| Date | January 2024 |
| Creators | Jawad, Hussein |
| Publisher | Uppsala universitet, Företagsekonomiska institutionen |
| Source Sets | DiVA Archive at Upsalla University |
| Language | Swedish |
| Detected Language | English |
| Type | Student thesis, info:eu-repo/semantics/bachelorThesis, text |
| Format | application/pdf |
| Rights | info:eu-repo/semantics/openAccess |
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