Journal
TELECOMMUNICATIONS POLICY
Volume 41, Issue 4, Pages 253-262Publisher
ELSEVIER SCI LTD
DOI: 10.1016/j.telpol.2017.01.004
Keywords
Mobile payment; Ecosystems; Multi-sided platforms; Secure element; Digital platforms
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Mobile network operators have long played an essential role in the Near Field Communication (NFC) mobile payment ecosystem. In most implementations, the SIM card has been the main technical component to secure payments. Currently, mobile payment providers are increasingly planning to place the Secure Element (SE) for authentication in the handset or cloud, rather than on the SIM card. This paper unveils factors that influence stakeholder preferences for the SE location. To structure the analysis, we use a multi-level framework based on concepts borrowed from multi-sided platform theory. Using interviews with stakeholders, we elicit themes and preferences for each level of the framework (provider, technology, and user). Our findings explain why mobile network operators, despite their superior technology, will likely lose the battle for control in the mobile payment ecosystem.
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