Abstract
The service sector is closely related with the technology developments and consequently the access to services, their provision, and consumption are optimized. The banking industry is no exception to it. It is strongly influenced by technology developments and tries to meet new challenges and thus to develop further itself. Particularly affected and being put under increasing pressure are the core banking businesses—accounts and payments. Their central element is the money that has experienced a change in its form of existence over time. Money (same as many other goods and services) were being digitized and its value were being transferred to plastic card and lately mobile phones (PPP (paper—plastic—phone) evolution of money). Along with the technological developments comes both the socio-demographic shifts and changes in the legal environment. On the other hand, opportunities for new participants (other than banks) on the (cashless) payment market are opening up and with it the position of the banks on the payment market is threatened. Due to the fact that banks are very much impacted by the developments in technology and they count among the heaviest investors in information technology, this paper will attempt to provide valuable insight into how the banks implement or could implement the new (mobile) technologies and the smartphone. Further, this paper comprises three aspects of our contemporary society: the importance of the tertiary sector of the economy—services in the developed countries, the development of new (mobile) technologies, and the high penetration rate and acceptance of “the device” of the contemporary history—the smartphone. The aim of this work is to translate these three aspects into the banking service sector in Austria (with a focus on the payments).
Access this chapter
Tax calculation will be finalised at checkout
Purchases are for personal use only
Notes
- 1.
Online banking, Internet banking, or electronic banking are used as synonyms throughout the whole paper.
- 2.
Alternative banking as a way of conducting banking services outside a branch.
- 3.
Wireless Application Protocol (WAP)—A standard that defines the way in which Internet communications and other advanced services are provided on wireless mobile devices (NIST 2013, p. 214).
- 4.
A basic economic concept that involves multiple parties participating in the voluntary negotiation and then the exchange of one's goods and services for desired goods and services that someone else possesses. The advent of money as a medium of exchange has allowed trade to be conducted in a manner that is much simpler and effective compared to earlier forms of trade, such as bartering (Source Trade Definition | Investopedia).
- 5.
Alternative to cash payments and in sense of being offered outside the banking industry.
- 6.
PIN = Personal Identification Number.
- 7.
Personal Digital Assistance (PDA) developed by Palm Inc. (PDA (handheld computer)—Encyclopedia Britannica).
- 8.
Contingency theory suggests that “an organizational outcome is the consequency of a fit or match between two or more factors” (Van de Ven and Drazin 1984). In other words “there is no single best way to manage or organize or make a decision” (Dahlberg et al. 2008, p. 167) and many factor should be taken into consideration.
- 9.
According to the latest Mobile Communications Report 2014 from the Mobile Marketing Association Austria (2014, p. 24).
- 10.
Enthusiasm for new technology (technophilia—definition of technophilia by The Free Dictionary).
References
97/489/EC (2016) Commission recommendation. http://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:31997H0489. Retrieved on 01 Aug 2016
Abdullah F, Suhaimi R, Saban G, Hamali J (2011) Bank service quality (BSQ) index: an indicator of service performance. Int J Qual Reliab Manage 28(5):542–555
About PayPal (2016) PayPal. https://www.paypal-media.com/about. Retrieved on 30 July 2016
About the Technology | NFC Forum (2016) http://nfc-forum.org/what-is-nfc/about-the-technology/. Retrieved on 31 July 2016
Accenture (2012) Accenture payment services for financial institutions. Bridging communities, enabling commerce. 2012, 1–26. http://www.accenture.com/SiteCollectionDocuments/PDF/FinancialServices/Accenture-Payment-Services.pdf. Retrieved on 30 July 2016
Accenture (2013a) Banking 2020. As the storm abates, North American banks must chart a new course to capture emerging opportunities, October 2013, 1–15. http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Banking-2020-POV.pdf. Retrieved on 01 July 2016
Accenture (2013b) Mobile web watch 2013: the new persuaders. June 2013, 1–15. http://www.accenture.com/SiteCollectionDocuments/PDF/Technology/accenture-mobile-web-watch-2013-survey-new-persuaders.pdf. Retrieved on 21 July 2016
Accenture (2014a) The digital disruption in banking. Demons, demands, and dividends. April 2014, 1–15. http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-2014-NA-Consumer-Digital-Banking-Survey.pdf. Retrieved on 30 July 2016
Accenture (2014b) Mobile payments. Who is winning the race to a better user experience? February 2014, 1–7. http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Fjord-Mobility-Payments.pdf. Retrieved on 30 July 2016
Anyasi FI, Otubu PA (2009) Mobile phone technology in banking system: its economic effect. Res J Inform Technol 1(1):1–5
Arguedas R, Pra I, Reina MD (2014) Mobile banking: challenges and opportunities for the financial sector. In: Liébana-Cabanillas F, Muñoz-Leiva F, Sánchez-Fernández J, Martínez-Fiestas M (eds) Electronic payment systems for competitive advantage in e-commerce. Business Science, Hershey, pp 164–185
Banken planen Einführung von NFC-Bankomaten—Innovationen—derStandard.at > Web (2016). http://derstandard.at/2000003524352/Banken-planen-Einfuehrung-von-NFC-Bankomaten. Retrieved on 01 Aug 2016
Auer L, Kryvinska N, Strauss C (2009) Service-oriented mobility architecture provides highly-configurable wireless services. IEEE, pp 1–1
Austrian companies plan national NFC wallet standard—NFC World (2016). http://www.nfcworld.com/2013/09/18/325959/austrian-companies-plan-national-nfc-wallet-standard/. Retrieved on 01 Aug 2016
Barnes SJ (2002) The mobile commerce value chain: analysis and future developments. Int J Inf Manage 22(2):91–108
Bashah NSK, Kryvinska N, van Thanh D (2010) Service discovery in ubiquitous mobile computing environment. ACM Press, p 763
Bashah NSK, Kryvinska N, van Thanh D (2012a) Novel service discovery techniques for open mobile environments and their business applications. In: Snene M (ed) Exploring services science. Springer, Berlin, pp 186–200
Bashah NSK, Kryvinska N, van Thanh D (2012b) Quality-driven service discovery techniques for open mobile environments and their business applications. J Serv Sci Res 4:71–96. doi:10.1007/s12927-012-0003-4
Becker A, Mladenow A, Kryvinska N, Strauss C (2012a) Aggregated survey of sustainable business models for agile mobile service delivery platforms. J Serv Sci Res 4:97–121. doi:10.1007/s12927-012-0004-3
Becker A, Mladenow A, Kryvinska N, Strauss C (2012b) Evolving taxonomy of business models for mobile service delivery platform. Procedia Comput Sci 10:650–657. doi:10.1016/j.procs.2012.06.083
Borgioli S, Gouveia AC, Labanca C (2013) Financial stability analysis: insights gained from consolidated banking data for the EU (No. 140). European Central Bank
Bower JL, Christensen CM (1995) Disruptive technologies: catching the wave. Harvard Bus Rev
Burger C, Habacht R, Oppitz M, Pammer M, Pieber C, Radakovits S, Schneeberger D (2009) Zahlungsverkehrsbericht 2009. Oesterreichische Nationalbank, Wien
Capgemini and Efma (2013) World retail banking report. http://www.capgemini.com/resource-file-access/resource/pdf/wrbr_2013_0.pdf. Retrieved on 01 Aug 2016
Capgemini and The Royal Bank of Scotland (RBS) (2013) World payments report (WPR). http://www.capgemini.com/wpr13. Retrieved on 10 July 2016
Card Payments—Current-Trends—Oesterreichische Nationalbank (OeNB) (2016). http://oenb.at/en/Payment-Processing/Card-Payments/Current-Trends.html. Retrieved on 01 Aug 2016
Castro D, Atkinson R, Ezell S (2010) Embracing the self-service economy. Available at SSRN 1590982
Chaix L, Torre D (2011) Four models for mobile payments. University Nice Sophia-Antipolis, JEL Classification: E42, O33, February 2011, 1–25
Chakravorti S, Kobor E (2005) Why invest in payment innovations. J Payment Sys L 1:331
Chen C (2013) Perceived risk, usage frequency of mobile banking services. Manag Serv Qual 23(5):410–436
Choi SY, Stahl DO, Whinston AB (1997) The economics of electronic commerce. Macmillan Technical Publishing, Indianapolis
D’Agostino A, Serafini R, Ward ME (2006) Sectoral explanations of employment in Europe: the role of services (No. 2257). IZA Discussion Papers
Dahlberg T, Mallat N, Ondrus J, Zmijewska A (2008) Past, present and future of mobile payments research: a literature review. Electron Commer Res Appl 7(2):165–181
Dapp TF (2012) The future of (mobile) payments. New (online) players competing with banks. Deutsche Bank DB Research, 1–32. http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000298950/The+future+of+%28mobile%29+payments%3A+New+%28online%29+players+competing+with+banks.pdf. Retrieved on 01 July 2016
Dapp TF (2013) Pay wars—attack of the internet giants. Deutsche Bank DB Research, 1–3. http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000301712/Pay+Wars+%E2%80%93+Attack+of+the+internet+giants.PDF. Retrieved on 01 July 2016
Davis FD (1989) Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Q, 319–340
de Bel J, Gaza M (2011) Mobile payments 2012—my mobile, my wallet? Innopay, September 2011, 1–100. http://www.mobiltarca.com/media/documents/mobey-forum-mobile-payments-2012-innopay-2011.pdf. Retrieved on 10 July 2016
Dhaliwal JS, Macintyre M, Glenn P (2011) Understanding services and the customer
Directive 2000/28/EC (2016). http://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32000L0028. Retrieved on 01 Aug 2016
Directive 2000/46/EC (2016). http://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32000L0046. Retrieved on 01 Aug 2016
Directive 2009/110/EC (2016). http://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32009L0110. Retrieved on 01 Aug 2016
Directive on Payment Services (PSD)—European Commission (2016). http://ec.europa.eu/internal_market/payments/framework/index_en.htm. Retrieved on 26 July 2016
Do TV, Hallingby HK, Khuong LH, Kryvinska N (2014) A disruption analysis of mobile communication services using business ecosystem concept. Int J Serv Econ Manage 6:248. doi:10.1504/IJSEM.2014.064299
EBF, International Comparison of Banking Sectors: Data sets for the European Union, euro area, United Kingdom, United States and Japan. (n.d.). http://www.ebf-fbe.eu/publication/international-comparison-of-banking-sectors-data-sets-for-the-european-union-euro-area-united-kingdom-united-states-and-japan/. Retrieved on 28 May 2016
EC 260/2012 (2016). http://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32012R0260. Retrieved on 26 July 2016
ECB, Structure of the euro area economy. (n.d.). https://www.ecb.europa.eu/mopo/eaec/html/index.en.html. Retrieved on 28 May 2016
Efma and Infosys (2013) Innovation in retail banking—simplify technology to innovate. September 2013, 5th annual edition. http://www.infosys.com/finacle/resources/industry-reports/Pages/innovation-retail-banking.aspx. Retrieved on 01 Aug 2016
Eistert T, Gordon F, Deighton J, Ullrich M, Marcu S (2013) Banking in a digital world. A.T. Kearney, October 2013, 1–23. http://www.atkearney.at/documents/10192/3054333/Banking+in+a+Digital+World.pdf/91231b20-788e-41a1-a429-3f926834c2b0. Retrieved on 01 July 2016
E-money—European Commission (2016). http://ec.europa.eu/internal_market/payments/emoney/index_en.htm. Retrieved on 26 July 2016
eSEPA—Oesterreichische Nationalbank (OeNB) (2016). http://oenb.at/en/Payment-Processing/SEPA/eSEPA.html. Retrieved on 26 July 2016
Euromonitor (2014a) Smartphones could lead to more advanced M-payments. Datagraphic. May 2014
Euromonitor (2014b) Consumer lifestyles. attitudes toward payment methods. May 2014
Euromonitor International (2014a) Financial cards and payments in Austria. February 2014
Euromonitor International (2014b) Technology, communications and media: Austria. April 2014
European Commission (2004) Application of the E-money directive to mobile operators. Consultation paper. European Commission, Directorate General Internal Market, Brussels, 1–18. http://ec.europa.eu/internal_market/payments/docs/emoney/2004-05-consultation_en.pdf. Retrieved on 01 Aug 2016
European Commission (2012) Green paper. Towards an integrated European market for card, internet and mobile payments. Brussels, 1–25. http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:52011DC0941&from=EN. Retrieved on 26 July 2016
European law—Encyclopedia Britannica (2016). http://www.britannica.com/EBchecked/topic/1443520/European-law. Retrieved on 26 July 2016
Fasnacht D (2009) Open innovation in the financial services. Springer, Berlin. Oliveira P, von Hippel E (2011) Users as service innovators: the case of banking services. Res Pol 40(6):806–818
Feller FM (2006) PayPal—Globales Zahlungssystem mit Kompetenz für lokale Zahlungsmärkte. In Handbuch E-Money, E-payment and M-payment. Physica-Verlag, HD, pp 237–247
Fernández-Sabiote E, Román S (2012) Adding clicks to bricks: a study of the consequences on customer loyalty in a service context. Electron Commer Res Appl 11(1):36–48
Gaur A, Ondrus J (2012) The role of banks in the mobile payment ecosystem: a strategic asset perspective. In: Proceedings of the 14th annual international conference on electronic commerce. ACM, pp 171–177
GSMA and A. T. Kearney (2013) The mobile economy 2013. February 2013, 1–98. http://www.gsmamobileeconomy.com/GSMA%20Mobile%20Economy%202013.pdf. Retrieved on 21 July 2016
Gu JC, Lee SC, Suh YH (2009) Determinants of behavioral intention to mobile banking. Expert Syst Appl 36(9):11605–11616
Guedeney H (2012) Private banking in the new era. A.T. Kearney, 1–48. http://www.atkearney.com/documents/10192/640771/2012-07-19+Private+Banking+Report+-+Electronic+%28final%29.pdf/f9d3baf2-96d7-4e92-b85f-583ceb6911b1. Retrieved on 01 July 2016
Gupta S (2013) The mobile banking and payment revolution. Euro Fin Rev, 3–6
Hanzaee KH, Mirvaisi M (2011) Customer orientation of service employees: a case study of Iranian Islamic banking (Based on COSE Model). Int J Mark Stud 3(4):130–145
Hartmann A, Monika E (2006). E-Payments evolution. In: Handbuch E-money, E-payment and M-Payment. Physica-Verlag, HD, pp 7–18
Hilton T, Hughes T (2013) Co-production and self-service: the application of service-dominant logic. J Market Manage 29(7–8):861–881
Hilton T, Hughes T, Little E, Marandi E (2013) Adopting self-service technology to do more with less. J Serv Mark 27(1):3–12
History—PayPal (2016). https://www.paypal-media.com/history. Retrieved on 30 July 2016
Höhler G (2012) Mobile money—the future of the payments market. BearingPoint, 1–55. http://www.bearingpoint.com/en-uk/7-5317/mobile-money-the-future-of-the-payments-market-white-paper/. Retrieved on 01 July 2016
Horn C (2009) Qualitätsmessung im Private Banking: Eine Analyse der Dienstleistungsqualität und deren Auswirkungen (vol 3). BoD–Books on Demand
Horn C, Rudolf M (2011) Service quality in the private banking business. Fin Markets Portfolio Mgmt 25(2):173–195
Hsieh CT (2005) Implementing self-service technology to gain competitive advantages. Commun IIMA 5(1):77–83
Huch S (2013) Die Transformation des europäischen Kartengeschäfts: Auswirkungen der Liberalisierung und Harmonisierung des EU-Zahlungsverkehrs. Springer, Berlin
Human Intelligence (Psychology)—Encyclopedia Britannica (2016). http://www.britannica.com/EBchecked/topic/289766/human-intelligence. Retrieved on 21 July 2016
ING International Survey (2013) Digitales Banking verdrängt Filialen. ING DiBa Austria, September 2013. https://www.ing-diba.at/ueber-ingdiba/presse/pressemeldungen/2013/digitales-banking-verdraengt-filialen. Retrieved on 01 July 2016
ING International Survey (2014) Cash no longer king! Mobile banking still rising. May 2014. http://www.ing.com/Newsroom/All-news/NW/Cash-no-longer-king-Mobile-banking-still-rising.htm. Retrieved on 01 July 2016
Trade Definition | Investopedia (2016). http://www.investopedia.com/terms/t/trade.asp. Retrieved on 10 July 2016
ISIC, United Nations Statistics Division—Classifications Registry (2016) https://unstats.un.org/unsd/cr/registry/regcst.asp?Cl=27. Retrieved on 28 May 2016
ITU (International Telecommunication Union) (2014) The World in 2014—ICT facts and figures. April 2014, 1–8. http://www.itu.int/en/ITU-D/Statistics/Documents/facts/ICTFactsFigures2014-e.pdf. Retrieved on 01 July 2016
Judt E (2006) Zahlungsverkehrsinnovationen im Wandel der Zeit und ihre Vermarktung. In: Handbuch E-money, E-payment and M-payment. Physica-Verlag, HD, pp 19–34
Karnouskos S (2004) Mobile payment: a journey through existing procedures and standardization initiatives. Commun Surv Tutorials IEEE 6(4):44–66
Keltner B, Finegold D, Team LY (2012) Adding value in banking: human resource innovations for service firms. Image
Kemp R (2013) Mobile payments: current and emerging regulatory and contracting issues. Comput Law Secur Rev 29(2):175–179
Kim C, Mirusmonov M, Lee I (2010) An empirical examination of factors influencing the intention to use mobile payment. Comput Hum Behav 26(3):310–322
Kontaktlos bezahlen, kontaktlos stehlen << DiePresse.com (2016). http://diepresse.com/home/meingeld/verbraucher/1514831/Kontaktlos-bezahlen-kontaktlos-stehlen. Retrieved on 01 Aug 2016
Kontaktloses Zahlen: Banken starten NFC Bankomatkarten—Telekom—derStandard.at > Web (2016). http://derstandard.at/1363708001840/Kontaktloses-Zahlen-Banken-starten-NFC-Bankomatkarten. Retrieved on 01 Aug 2016
Kryvinska N, Lepaja S, Nguyen HM (2003) Service and personal mobility in next generation networks. World Scientific, pp 231–234
Kryvinska N, Auer L, Zinterhof P, Strauss C (2008a) Architectural model of enterprise multiservice network maintaining mobility. IEEE, pp 1–22
Kryvinska N, Strauss C, Collini-Nocker B, Zinterhof P (2008b) A scenario of voice services delivery over enterprise W/LAN networked platform. ACM Press, p 332
Kryvinska N, Strauss C, Zinterhof P (2009) Mobility in a multi-location enterprise network, case study: global voice calls placing. IEEE, pp 1–7
Kryvinska N, Strauss C, Auer L (2010a) Next generation applications mobility management with SOA—a scenario-based analysis. IEEE, pp 415–420
Kryvinska N, Strauss C, Collini-Nocker B, Zinterhof P (2010b) A scenario of service-oriented principles adaptation to the telecom providers service delivery platform. IEEE, pp 265–271
Kryvinska N, Strauss C, Collini-Nocker B, Zinterhof P (2011a) Enterprise network maintaining mobility—architectural model of services delivery. Int J Pervasive Comput Communk 7:114–131
Kryvinska N, Strauss C, Thanh DV, Zinterhof P (2011b) Managing global calls placing in mash-upped enterprise. Int J Pace-Based Situated Comput 1:244
Kumbhar VM (2013) An empirical study on alternative banking and its impact on customers satisfaction: a case study of Public and Private Sector Banks in Satara City, pp 55–92
Lamedschwandner K, Bammer M (2013) NFC-Aktivitäten in Österreich. e & i Elektrotechnik und Informationstechnik 130(7):189–190
Laukkanen T (2007) Internet vs mobile banking: comparing customer value perceptions. Bus Process Manage J 13(6):788–797
Lee MC (2009) Factors influencing the adoption of internet banking: an integration of TAM and TPB with perceived risk and perceived benefit. Electron Commer Res Appl 8(3):130–141
Leong LY, Hew TS, Tan GWH, Ooi KB (2013) Predicting the determinants of the NFC-enabled mobile credit card acceptance: a neural networks approach. Expert Syst Appl 40(14):5604–5620
Lepaja S, Lila A, Kryvinska N, Nguyen HM (2003) A framework for end-to-end QoS provisioning in mobile internet environment. World Scientific, pp 86–89
Lerner T (2013) Mobile payment. Springer, Berlin
Lin HF (2011) An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge-based trust. Int J Inf Manage 31(3):252–260
Lin JSC, Hsieh PL (2011) Assessing the self-service technology encounters: development and validation of SSTQUAL scale. J Retail 87(2):194–206
Loureiro SMC, Kaufmann HR, Rabino S (2014) Intentions to use and recommend to others: an empirical study of online banking practices in Portugal and Austria. Online Inform Rev 38(2):2–2, 186–208
Lukies A (2012) Separating hype from reality in the world of mobile money. How companies can win the battle against disintermediation. n > genuity, Fall 5(4):39–43. http://www.tsys.com/Downloads/upload/fall-ngenuity-journal-2012.pdf. Retrieved on 05 June 2016
Macho R, Pater K, Seyffertitz M (1994) Zahlungsverkehrsmanager: bankinterne Abläufe besser verstehen; Ausschöpfung der Kostensenkungspotentiale; Nutzung der Electronic Banking-Angebote. Wirtschaftsverl. Ueberreuter, Wien
Magrath AJ (1986) When marketing services, 4 Ps are not enough. Bus Horiz 29(3):44–50
Mai H (2012) IT in banks: what does it cost? High IT costs call for an eye on efficiency. Deutsche Bank DB Research, 1–6. http://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000299039/IT+in+banks%3A++What+does+it+cost%3F+High+IT+costs+call+for+an+eye+on+efficiency.PDF. Retrieved on 01 July 2016
Mallat N (2006) Exploring consumer adoption of mobile payments—a qualitative study. In: Proceedings of Helsinki mobility roundtable. Sprouts: Work Papers Inform Syst 6(44):1–16
Mallat N (2007) Exploring consumer adoption of mobile payments—a qualitative study. J Strateg Inf Syst 16(4):413–432
Martins C, Oliveira T, Popovič A (2014) Understanding the internet banking adoption: a unified theory of acceptance and use of technology and perceived risk application. Int J Inf Manage 34(1):1–13
Maurer B (2012) Mobile money: communication, consumption and change in the payments space. J Develop Stud 48(5):589–604
Meuter ML, Ostrom AL, Roundtree RI, Bitner MJ (2000) Self-service technologies: understanding customer satisfaction with technology-based service encounters. J Market 64(3):50–64
Mobile Marketing Association Austria (2014) Mobile communications report 2014. Juni 2014, 1–146. http://www.mmaaustria.at/html/img/pool/Mobile_Communications_Report_2014.pdf. Retrieved on 01 Aug 2016
Newell A, Simon HA (1972) Human problem solving. Englewood Cliffs, NJ: Prentice-Hall, vol 104, No 9 (summary paper)
NIST (2010) Smartphone tool specification. April 2010, 1–8. http://www.cftt.nist.gov/documents/Smart_Phone_Tool_Specification.pdf. Retrieved on 01 July 2016
NIST (2013) Glossary of key information security terms. May 2013, 1–222. http://nvlpubs.nist.gov/nistpubs/ir/2013/NIST.IR.7298r2.pdf. Retrieved on 01 July 2016
OeNB (2013) Ergebnisse der OeNB Zahlungsmittelumfrage. OeNB-Zahlungsmittelumfrage—3. Quartal 2013, 1–4. http://www.oenb.at/Publikationen/Zahlungsverkehr/Zahlungsmittelumfrage.html. Retrieved on 01 July 2016
Ondrus J (2003) Mobile payments: a tool kit for a better understanding of the market. Universidade de Lausanne
Ondrus J, Pigneur Y (2007) An assessment of NFC for future mobile payment systems. In: International conference on the management of mobile business, 2007. ICMB 2007. IEEE, pp 43–43
Parry G, Newnes L, Huang X (2011) Goods, products and services. In: Service design and delivery. Springer, US, pp 19–29
Pasquet M, Reynaud J, Rosenberger C (2008) Secure payment with NFC mobile phone in the SmartTouch project. In: International symposium on collaborative technologies and systems, 2008. CTS 2008. IEEE, pp 121–126
Paybox Bank AG | Informationen rund um die paybox Bank AG, die A1 Visa Karte, Paybox und mehr (2016). http://www.payboxbank.at/54.htm. Retrieved on 10 July 2016
Paybox—Zahl’s mit dem Handy.—paybox macht Ihr Handy zur Geldbörse (2016). http://www.paybox.at/6193/Privat/Bezahlen/Was-ist-paybox. Retrieved on 10 July 2016
Paybox—Zahl’s mit dem Handy.—M-Commerce und Mobile Payment in Österreich (2016). http://www.paybox.at/7291/Ueber-uns/Geschichte. Retrieved on 10 July 2016
Payment Systems—Oesterreichische Nationalbank (OeNB) (2016). http://oenb.at/en/Payment-Processing/Payment-Systems.html. Retrieved on 01 July 2016
PayPal Beacon startet Anfang 2014 in den USA—futurezone.at. http://futurezone.at/produkte/paypal-beacon-startet-anfang-2014-in-den-usa/40.125.747. Retrieved on 30 July 2016
Pikkarainen T, Pikkarainen K, Karjaluoto H, Pahnila S (2004) Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Res 14(3):224–235
Pine BJ, Gilmore JH (1998) Welcome to the experience economy. Harvard Bus Rev 76:97–105
Prashanth K (2004) PayPal.com’s business model. ICFAI Center for Management Research (IMCR), 1–19
Pratz A, Bloos JW, Engebretsen O, Gawinecki M (2013) Winning the growth challenge in payments. European payments strategy report. A.T. Kearney, 1–16. http://www.atkearney.com/documents/10192/1448080/Winning+the+Growth+Challenge+in+Payments.pdf/b9da93a5-9687-419e-b166-0b25daf585ff. Retrieved on 30 July 2016
Punzet J (2006) Paybox Austria—eine M-Payment Erfolgsgeschichte. In: Handbuch E-Money, E-Payment & M-Payment. Physica-Verlag, HD, pp 221–247
Rao RS (2013) Trends, challenges and future functionalities in mobile banking. Int J 1(5):593–602
Rogers EM (1995) Diffusion of innovations, 4th edn. Free Press, New York
Rosenzweig P (2013) What makes strategic decisions different. Harvard Bus Rev, November 2013
Response. In: Service design and delivery. Springer, US, pp 1–18
Paybox—Zahl’s mit dem Handy.—So bezahlen Sie mit paybox (2016). https://www.paybox.at/6192/Privat/Bezahlen/Wie-bezahlen. Retrieved on 10 July 2016
Startschuss für nationale NFC-Initiative—futurezone.at (2016). http://futurezone.at/b2b/startschuss-fuer-nationale-nfc-initiative/27.090.230. Retrieved on 01 Aug 2016
Statistik Austria—IKT-Einsatz in Haushalten (2016). http://www.statistik.at/web_de/statistiken/informationsgesellschaft/ikt-einsatz_in_haushalten/index.html. Retrieved on 01 July 2016
STUZZA—About SEPA (2016). http://www.stuzza.at/12430_EN.htm. Retrieved on 26 July 2016
Sullivan B, Garvey J, Alcocer J, Eldridge A (2014) Retail banking 2020. Evolution or revolution? PWC, 2014, 1–41. http://www.pwc.com/en_GX/gx/banking-capital-markets/banking-2020/assets/pwc-retail-banking-2020-evolution-or-revolution.pdf. Retrieved on 01 July 2016
Tan GWH, Ooi KB, Chong SC, Hew TS (2014) NFC mobile credit card: the next frontier of mobile payment? Telematics Inform 31(2):292–307
Technophilia—definition of technophilia by The Free Dictionary (2016). http://www.thefreedictionary.com/technophilia. Retrieved on 28 July 2016
Tiwari R, Buse S, Herstatt C (2007) Mobile services in banking sector: the role of innovative business solutions in generating competitive advantage. Technology and Innovation Managment Working Paper, 48
Van de Ven AH, Drazin R (1984) The concept of fit in contingency theory (No. SMRC-DP-19) [Abstract]. Minnesota Univ Minneapolis Strategic Management Research Center
Vargo SL, Lusch RF (2004) Evolving to a new dominant logic for marketing. J Market 68(1):1–17
Varshney U, Vetter R (2002) Mobile commerce: framework, applications and networking support. Mobile Netw Appl 7(3):185–198
Varshney U, Vetter RJ, Kalakota R (2000) Mobile commerce: a new frontier. Computer 33(10):32–38
VeroPay: Bezahl-App aus Tirol startet in ganz Österreich—futurezone.at (2016). http://futurezone.at/b2b/veropay-bezahl-app-aus-tirol-startet-in-ganz-oesterreich/33.188.020. Retrieved on 28 July 2016
VeroPay—Händler (2016). http://veropay.com/mainmenu/akzeptanzstellen.html. Retrieved on 10 July 2016
VeroPay—Presse Archiv 1 (2016). http://veropay.com/submenu/Presse_archiv_1.html. Retrieved on 10 July 2016
VeroPay—Über uns (2016). http://veropay.com/submenu/ueber_uns.html. Retrieved on 10 July 2016
von Kalckreuth U, Schmidt T, Stix H (2014) Choosing and using payment instruments: evidence from German microdata. Empirical Economics 46(3):1019–1055
Wessels L, Drennan J (2010) An investigation of consumer acceptance of M-banking. Int J Bank Market 28(7):547–568
What is GDP and why is it so important? (2016) http://www.investopedia.com/ask/answers/199.asp. Retrieved on 28 May 2016
What is Service? Definition and meaning (2016). http://www.investorwords.com/6664/service.html. Retrieved on 28 May 2016
Wirtschaftskammer Österreich (WKO) (2014). Statistical yearbook 2014. Retrieved on 28 May 2016
Yang Un-Il (2007) Mobile payment providers services—the case of South Korea and Austria. Diplomarbeit. Technische Universität, Wien
Zolnowski A, Weiss C, Bohmann T (2014) Representing service business models with the service business model canvas–the case of a mobile payment service in the retail industry. In: 47th Hawaii international conference on system sciences (HICSS), IEEE, 2014, pp 718–727
Zwass V (1996) Electronic commerce: structures and issues. Int J Electron Commer 3–23
Author information
Authors and Affiliations
Corresponding author
Editor information
Editors and Affiliations
Rights and permissions
Copyright information
© 2018 Springer Science+Business Media Singapore
About this chapter
Cite this chapter
Markoska, K., Ivanochko, I., Gregus ml., M. (2018). Mobile Banking Services—Business Information Management with Mobile Payments. In: Kryvinska, N., Gregus, M. (eds) Agile Information Business. Flexible Systems Management. Springer, Singapore. https://doi.org/10.1007/978-981-10-3358-2_5
Download citation
DOI: https://doi.org/10.1007/978-981-10-3358-2_5
Published:
Publisher Name: Springer, Singapore
Print ISBN: 978-981-10-3357-5
Online ISBN: 978-981-10-3358-2
eBook Packages: Business and ManagementBusiness and Management (R0)