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Determinants of success of mobile payments as innovations: An exploratory study based on the extant literature, the M-Pesa, Alipay, and Nubank cases, and the opinion of experts

Author

Listed:
  • Carlos Tadao Kawamoto

    (University of São Paulo)

  • Renata Giovinazzo Spers

    (University of São Paulo)

  • André Leme Fleury

    (University of São Paulo)

  • Paulo Roberto Feldmann

    (University of São Paulo)

  • Nelson Daishiro Yoshida

    (University of São Paulo)

Abstract

An important fact related to mobile payments is that adopters have already reached the majority group in more than 40 countries. Despite the growth of mobile payments, only a small portion of the related literature has focused on the topic from an organizational point of view. To fill this gap, this paper seeks to identify the main success determinants of firms operating in the segment, looking for relevant characteristics of organizations that are successful in this competitive arena. The investigation carried out a triangulation with the results of a literature review, a case study, and the answers given by a questionnaire applied to a group of specialists from private organizations and the public sector. The results suggest that companies with organic and flexible structures, open communication qualities, and decentralized decision processes increase their chances of success. Furthermore, the results also show that, given non-impeditive regulations, critical mass and the provision of different services other than the payment choice should be considered by firms operating in the mobile payment segment. Graphical Abstract

Suggested Citation

  • Carlos Tadao Kawamoto & Renata Giovinazzo Spers & André Leme Fleury & Paulo Roberto Feldmann & Nelson Daishiro Yoshida, 2023. "Determinants of success of mobile payments as innovations: An exploratory study based on the extant literature, the M-Pesa, Alipay, and Nubank cases, and the opinion of experts," Future Business Journal, Springer, vol. 9(1), pages 1-18, December.
    • Handle: RePEc:spr:futbus:v:9:y:2023:i:1:d:10.1186_s43093-023-00272-7
    DOI: 10.1186/s43093-023-00272-7
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    Keywords

    Mobile payment; Innovation; Payment instrument; Financial intermediation;
    All these keywords.

    JEL classification:

    • O31 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Innovation and Invention: Processes and Incentives
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • M13 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - New Firms; Startups

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