Proximity payments : drivers and barriers of NFC MPs in Portugal : exploratory research

• Autor(a) principal: Kozachenko, Oleksandr
• Data de Publicação: 2019
• Tipo de documento: Dissertação
• Idioma: eng
• Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
• Texto Completo: http://hdl.handle.net/10400.14/29294
• topic: Near field communication; NFC; Mobile payments; Proximity payments; Acceptance; Technology acceptance model; Perceptions; Benefits; Drawbacks; Adoption; Pagamentos móveis; Pagamentos por proximidade; Aceitação; Modelo de aceitação de tecnologia; Percepções; Benefícios; Desvantagens; Adoção; Domínio/Área Científica::Ciências Sociais::Economia e Gestão

The dissertation is focused on understanding perception of Portuguese users of Near Field Communication mobile payment systems existing on the market since 2015. NFC MPs have been created to enhance customer experience, increase speed of payment process and ensure higher trust in providers. Being a relatively new system, NFC MPs are not widely spread and are not fully understood by prospected users. Such affects acceptance speed and rate at which the system is adopted by users and providers. In order to analyze the challenges faced by NFC MPs, in-depth interviews were held, followed by an online study conducted next to a pool of 144 respondents. The study has shown that there is existing awareness on the market of NFC MPs, nevertheless there is very low usage rate. Most important barriers to adoption are low understanding of benefits of using the system and low understanding of the process behind the payment system. High perceived fees and risks are likely to prevent adoption on the market. On the other hand, perceived benefits of the systems are ease of use, convenience, having the technology in hand and secure transactions which serve as driver to adoption. There is existing interest on the Portuguese market in NFC MPs which exists mostly amongst the age category of 21 to 25 years.