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Mobile Banking and Payment System: A Conceptual Standpoint

Mobile Banking and Payment System: A Conceptual Standpoint
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Author(s): Aijaz A. Shaikh (Jyväskylä University School of Business and Economics, University of Jyväskylä, Finland), Payam Hanafizadeh (Allameh Tabataba'i University, Iran) and Heikki Karjaluoto (University of Jyväskylä, Finland)
Copyright: 2019
Pages: 17
Source title: Digital Currency: Breakthroughs in Research and Practice
Source Author(s)/Editor(s): Information Resources Management Association (USA)
DOI: 10.4018/978-1-5225-6201-6.ch005

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Abstract

This study conceptualizes and proposes a well-regulated and designated mobile banking and payment system (MBPS) with the potential to strengthen the banking system, foster the regulatory framework, and to be integrated across various platforms and mobile devices. Unlike other mobile payment systems that lack convenience, scalability, and usability, the proposed MBPS contains several important functionalities and it has the potential to bring together hitherto unconnected industries—banking, Fintech and telecoms—to offer value-added services to their existing and potential customers. The ownership of the MBPS shall remain with the financial services sector including the banking and microfinance institutions. The paper concludes with a discussion on the implications and limitations of the study and proposes future research directions.

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