This study’s objective was to develop a new model to classify mobile payment systems. Analysis of current classifying models revealed their lack of user’s perspective. The new model proposed in this paper focuses on the consumer. The classification criteria have been derived from analyzing existing m-payment systems, and their distinct characteristics visible to the consumer. This new user-cent...

The U.S. payment market has attracted increasing attention from technology firms and their investors seeking to capitalize on mobile and cloud technologies and the growing trend in consumer adoption of smartphones. Although consumers in the United States largely have not adopted mobile payments, merchants believe these technologies will address some current barriers to the use of mobile payment...

Market, technological and legal developments have contributed to a surge of innovation and change in payment systems in recent years, including the development of new means of making payments and the alteration of existing ones. However, many of the recent offerings have failed to gain traction in the e-Commerce marketplace for a variety of reasons. To understand the reasons for this it is nece...

BACKGROUND In 2004, a community-based health insurance scheme (CBI) was introduced in Nouna health district, Burkina Faso. Since its inception, coverage has remained low and dropout rates high. One important reason for low coverage and high dropout is that health workers do not support the CBI scheme because they are dissatisfied with the provider payment mechanism of the CBI. METHODS A discr...

The objective of this study is to assess the behavioral intention (BI) users use Mobile-Payment based on their behavior. used convenience sampling technique collect data from users. 198 questionnaires were analyzed by Smart-PLS 3 proposed model. results showed that performance expectancy, facilitating conditions, Social influence, and Trust has a positive significant impact BI Mobile Payment. i...

In this paper we present a study that unveils the technological and organizational preferences of various industries for mobile payment developments in Switzerland. Despite the expected success, mobile payments remain at an early stage of development in most countries. At this point, there is a real need for better understanding of the factors hindering the deployment of mobile payments. We con...

Performance Pay and Multi-dimensional Sorting: Productivity, Preferences and Gender This paper studies the impact of incentives on worker self-selection in a controlled laboratory experiment. In a first step we elicit subjects’ productivity levels. Subjects then face the choice between a fixed or a variable payment scheme. Depending on the treatment, the variable payment is either a piece rate,...

The behavioral economics literature on time discounting has suggested that individuals may systematically undersave when planning for retirement. Hence, pension systems have developed to enable, or indeed force, individuals to save more for retirement. Of course, the saving aspect and the timing of retirement are connected, in the sense that the expected length of retirement determines what is ...