Abstract:
Despite the potential and expectations, mobile payments have not reached expected adoption levels. Establishing success
factors in m-payments has become an important research goal. Traditional acceptance models focus on characteristics of
new technologies (innovations) that the user perceives. According to Damsgaard and Gao (2004), what is missing in the
traditional models is the discussion of infrastructure traits of an innovation. A qualitative study has been used to measure
the validity of these assumptions in the mobile payments field. Experts that represented key stakeholders were asked to
draw from their experience and explain reasons for the lack of success of m-payments. Based on the study, this paper
proposes a holistic framework for analysing m-payment success factors.
