The use of cash in the Swedish society is decreasing, leaving room for digital payment methods to ascend. However, mobile payment solutions are not as established in Sweden compared to other countries. The objective of this thesis is twofold; map the current market of mobile payments solutions in Swedish in store retail and identify the opportunities and obstacles facing this market, both from a security perspective. Furthermore, the future potential of mobile payment solutions in Sweden will be assessed. To fullfil the purpose of this thesis, an empirical study consisting of qualitative interviews and a quantitative survey were conducted. The interviews brought the perspective of businesses and financial institutions that influence the payment market, whilst the data from the survey provided the perspective and attitudes of private users. The studied payment solutions were Apple Pay, Samsung Pay and Swish’s BLE solution. Apple Pay and Samsung Pay were found to be secure solutions, but with varying availability and compatibility for the users. Swish is a compatible payment solution for the users but is lacking in technical infrastructure. A lack of knowledge regarding security and availability of these solutions was found to have prevented widespread adoption by the population. Mobile payment solutions were perceived as useful and easy to use by the private users. Conclusions are that mobile payment solutions have a high market potential in Sweden if their availability improves. Swish’s BLE solution has the highest potential due to its popularity amongst users, under the circumstance that merchants invest in the BLE receivers.
| Identifer | oai:union.ndltd.org:UPSALLA1/oai:DiVA.org:uu-377324 |
| Date | January 2019 |
| Creators | Holmström, Ebba, Holmqvist Evans, Katarina |
| Publisher | Uppsala universitet, Avdelningen för datorteknik, Uppsala universitet, Avdelningen för datorteknik |
| 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 |
| Relation | UPTEC STS, 1650-8319 ; 19005 |
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