Towards a holistic analysis of mobile payments: A multiple perspectives approach

As mobile technologies and services are in constant evolution, many speculate on whether or not mobile payments will be a killer application for mobile commerce. To have a better understanding of the market, there is a need to analyze not only the technology but also the different actors that are involved. For this purpose, we propose to conduct two disruption analyses to draw the disruptiveness profile of mobile payment solutions compared to other payment instruments. Then, we try to discover what factors have hindered the technical and commercial development by using a DSS based on a multi-criteria decision making method called Electre I.