In terms of further research, we recommend carrying out a more quantitative
oriented study, for example a survey with consumers and merchants. This would
give insight in the relative importance of each factor for the acceptance of particular
mobile payment systems. Of interest would also be the opinions of those already
exposed to a mobile payment system and those who are not, since this would give
some insight into the degree to which such a system is actually an experience good
(a good whose value can only be properly assessed after having consumed the
good). Finally, an international study would also give insight in the degree to which
consumers in different countries differ in their perception of the need for a mobile
payment system.
We agree with Hampe and Swatman (2001) that standardised mobile payment
systems are an important prerequisite for the widescale adoption of mobile
commerce services. For this reason, we offer this study to practicitioners and our
academic colleagues. We do so in the hope that it will contribute to a sharpened
focus on the critical factors affecting mobile payment solutions.