Towards A Framework of Digital Payment Platform Design

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Towards A Framework of Digital Payment Platform Design

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dc.contributor.author Kazan, Erol
dc.contributor.author Damsgaard, Jan
dc.date.accessioned 2013-12-13T07:10:48Z
dc.date.available 2013-12-13T07:10:48Z
dc.date.issued 2013-12-13
dc.identifier.isbn 9788792524188
dc.identifier.uri http://hdl.handle.net/10398/8833
dc.description.abstract This paper focuses on the triumph march of mobile phones that currently are annexing music players, navigation devices, and cameras as separate physical objects. The next target is set on payment. Through synthesizing available literature, we construct a framework for studying digital payment platforms that combines platform, technology and business design aspects. The framework is applied to conduct a comparative case study of digital payment platforms. Four types of market actors are considered: banks, mobile network operators, merchants, and startups, which are incumbents and disrupters in the payment industry. These actors issue four types of payment systems, and we can observe that three of four platforms types can be classified as multi-sided platforms (MSP). All alternatives seek foothold by issuing evolutionary payment instruments, which are intertwined with digital payment platforms. By hosting third-party services, payment instruments are evolving from single-purpose to multi-functional ones. Our research extends existing payment literature from the MSP perspective to emphasize certain digital payment platform components, which impact strategies and complementary products. en_US
dc.format.extent 16 en_US
dc.language eng en_US
dc.relation.ispartofseries ITM Communications;2013/2
dc.subject.other Payment en_US
dc.subject.other Payment card en_US
dc.subject.other Mobile phone en_US
dc.subject.other Multi-sided platforms en_US
dc.subject.other Near Field Communication (NFC) en_US
dc.subject.other Contactless payment en_US
dc.subject.other SMS en_US
dc.subject.other QR Code en_US
dc.subject.other Mobile payment en_US
dc.subject.other Payment infrastructure en_US
dc.subject.other Payment systems en_US
dc.title Towards A Framework of Digital Payment Platform Design en_US
dc.type wp en_US
dc.contributor.corporation Copenhagen Business School. CBS en_US
dc.contributor.department Institut for IT-Ledelse en_US
dc.contributor.departmentshort ITM en_US
dc.contributor.departmentuk Department of IT Management en_US
dc.contributor.departmentukshort ITM en_US
dc.publisher.city Frederiksberg en_US
dc.publisher.year 2013 en_US
dc.title.subtitle A Comparative Study of Four European Solutions en_US


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