Mobile payment

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When Mobile Payment systems first emerged at the turn of the millennium, expectations were high regarding their potential and implementation. However, the market has experienced slow growth, with no significant breakthroughs in Europe. To analyze the reasons behind this stagnation and explore long-term development prospects in Germany, the Center for Payment Studies conducted two academic studies. The first, titled "Mobile Payment: Where Are We Headed? Opportunities and Risks for Market Participants in Europe," investigates the trends and requirements for Mobile Payment, focusing on potential business models from the banks' perspective. The second study, "Mobile Payment: Business Models, Applications, Added Value, and Client Expectations," delves into the current Mobile Payment ecosystem, aiming to identify development paths and explore opportunities for added value services. This book compiles findings from both studies, providing valuable insights into various aspects of the Mobile Payment ecosystem and highlighting the challenges and opportunities that lie ahead for market participants.