selection of the appropriate wireless payment technology in mobile banking

as mobile technologies are becoming more advanced and mobile devices are making a big impact on daily life, a new type of payment system named mobile payment (m-payment) has emerged, enabling users to pay from their wireless devices especially mobile phones. this paper analyzes currently available wireless-payment systems and finds the stored-value card to be the best overall payment scheme for mobile banking. a good payment protocol should balance the requirements of security and convenience. wap (wireless application protocol) is one of the prevalent wireless technologies is being embraced by the banking sector. this leads us to suggest that multiple usages can be added to m-payment systems with higher security merit so that they can gain a critical customer base. this study is trying to compare the way of  wap , with other payment technologies and wants to show that by using analytic hierarchy process(ahp) method in mobile banking can provide the goals of the users properly.