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Mobile Banking and Payment System: A Conceptual Standpoint

Author

Listed:
  • Aijaz A. Shaikh

    (Jyväskylä University School of Business and Economics, University of Jyväskylä, Finland)

  • Payam Hanafizadeh

    (Department of Industrial Management, Allameh Tabataba'i University, Tehran, Iran)

  • Heikki Karjaluoto

    (Jyväskylä University School of Business and Economics, University of Jyväskylä, Finland)

Abstract

This study conceptualizes and proposes a well-regulated and designated mobile banking and payment system (MBPS) with the potential to strengthen the banking system, foster the regulatory framework, and to be integrated across various platforms and mobile devices. Unlike other mobile payment systems that lack convenience, scalability, and usability, the proposed MBPS contains several important functionalities and it has the potential to bring together hitherto unconnected industries—banking, Fintech and telecoms—to offer value-added services to their existing and potential customers. The ownership of the MBPS shall remain with the financial services sector including the banking and microfinance institutions. The paper concludes with a discussion on the implications and limitations of the study and proposes future research directions.

Suggested Citation

  • Aijaz A. Shaikh & Payam Hanafizadeh & Heikki Karjaluoto, 2017. "Mobile Banking and Payment System: A Conceptual Standpoint," International Journal of E-Business Research (IJEBR), IGI Global, vol. 13(2), pages 14-27, April.
    • Handle: RePEc:igg:jebr00:v:13:y:2017:i:2:p:14-27
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    Cited by:

    1. Francisco Liébana-Cabanillas & Nidhi Singh & Zoran Kalinic & Elena Carvajal-Trujillo, 2021. "Examining the determinants of continuance intention to use and the moderating effect of the gender and age of users of NFC mobile payments: a multi-analytical approach," Information Technology and Management, Springer, vol. 22(2), pages 133-161, June.
    2. Gang Kou & Özlem Olgu Akdeniz & Hasan Dinçer & Serhat Yüksel, 2021. "Fintech investments in European banks: a hybrid IT2 fuzzy multidimensional decision-making approach," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-28, December.
    3. Zhu, Qianyu & Lyu, Zhongyao & Long, Yan & Wachenheim, Cheryl J., 2022. "Adoption of mobile banking in rural China: Impact of information dissemination channel," Socio-Economic Planning Sciences, Elsevier, vol. 83(C).
    4. Ky, Serge Stéphane & Rugemintwari, Clovis & Sauviat, Alain, 2021. "Friends or Foes? Mobile money interaction with formal and informal finance," Telecommunications Policy, Elsevier, vol. 45(1).
    5. Payam Hanafizadeh & Mohammad Mehrabioun, 2020. "A Systemic Framework for Business Model Design and Development -Part B: Practical Perspective," Systemic Practice and Action Research, Springer, vol. 33(6), pages 639-674, December.

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