Designing a framework for establishing mobile payments in Iran

Authors

  • Maryam Safaee Ph. D Candidate Business Management, Department of Business Administration, Faculty of Management and Accounting, Farabi Campus, University of Tehran, Qom, Iran Author
  • Seyed Mohammad Bagher Jafari Assistant Professor, Department of Finance & Industrial Managemet, Faculty of Management and Accounting, College of Farabi, University of Tehran, Qom, Iran Author
  • Asadollah Kordnaeij Professor, Department of Business Management. Faculty of Management & Economics. Tarbiat Modares University, Tehran, Iran. Author
  • Morteza Soltani Assistant Professor, Department of Business Administration, Faculty of Management and Accounting, Farabi Campus, University of Tehran, Qom, Iran. Author

DOI:

https://doi.org/10.61841/25x6a624

Keywords:

Mobile Payment, Offline Payment, Non-Cash, Mobile Payment Establishment, Iran

Abstract

The purpose of this study is to design a framework for establishing mobile payment in Iran. This study was a qualitative research of data foundation theory whose method is exploratory. In this study, experts active in the first mobile organization in the city of Tehran, as a statistical population were conducted by snowball method and theoretically saturated. This saturation is achieved in the fifteenth interview. However, to ensure the expressed saturation, four more interviews were conducted and the number of sample members reached 19 of these people. In the present study, in order to determine the validity of the measurement instrument, the expert judgment approach on face and content validity has been used. The decision was made based on the opinions of seven academic experts. On the other hand, to evaluate the reliability of the interview protocol, the percentage agreement method between the two coders was used. According to this study, the reliability coefficient for the interview protocol in this study is equal to 74.12%. This amount is a desirable amount from the researchers' point of view. In the final stage, the factors extracted from the study opinions, experts active in the first mobile organization in the city of Tehran, nine factors and 169 components were extracted. According to the research findings, due to the new mechanism, mobile payment helps to create jobs in various fields and economic growth of the country, and its lack of cash flow also reduces inflation. The framework presented in this research, such as creating non-cash exchanges, reducing the cost of printing money, reducing ecosystem costs, reducing transaction costs in the community, leads to lower transaction costs. The perceived ease of these systems and the wide acceptance they provide for specific receivers. Improving living and social security standards and reducing the risks of cash payments at the community level.

 

 

Downloads

Download data is not yet available.

References

[1] Apanasevic, T. (2014), “Mobile payment and regulation: Challenges and issues”, the Third Cashless Society Roundtable, KTH Royal Institute of Technology, Electrum 229, SE-16440

[2] Baltar, F., & Brunet, I. (2012). Social research 2.0: virtual snowball sampling method using Facebook. internet Research, 22(1), 57-74.

[3] Basci, E. (2016). A Critical Look at “Marketing, Consumption, and Society” by Anti-Consumerists: A Qualitative and Interdisciplinary Model of Anti-Consumerism. International Journal of Marketing Studies, 8(5), 15.

[4] Dahlberg, T., Mallat, N., Ondrus, J., Zmijewska, A. J. E. c. r., & applications. (2008). Past, present and future of mobile payments research: A literature review. 7(2), 165-181.

[5] Ellis, T. J., & Levy, Y. (2009). Towards a guide for novice researchers on research methodology: Review and proposed methods. Issues in Informing Science and Information Technology, 6, 323-337.

[6] French, M. L. (2008). Improving sustainability through effective reuse of product returns: minimizing waste in a batch blending process environment. Journal of Cleaner Production, 16(15), 1679-1687.

[7] Goulding, C. (2000). Grounded Theory Methodology and Consumer Behaviour, Procedures, Practice and Pitfalls. Advances in consumer research, 27(1).

[8] Guo, J., & Bouwman, H. J. T. P. (2016). An analytical framework for an m-payment ecosystem: A merchants׳ perspective. 40(2-3), 147-167.

[9] Hampshire,C.(2017), “A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments”, International Journal of Bank Marketing, Vol. 35 No. 3, pp. 354-369

[10] Havard, C. T., & Eddy, T. (2013). Qualitative assessment of rivalry and conference realignment in intercollegiate athletics. Journal of Issues in Intercollegiate Athletics, 6, 216-235.

[11] Madan, K. and Yadav,R.(2016), “Behavioural intention to adopt mobile wallet: a developing country perspective”, Journal of Indian Business Research, Vol. 8 No. 3, pp. 227-244

[12] Mallat, N. J. T. J. o. S. I. S. (2007). Exploring consumer adoption of mobile payments–A qualitative study. 16(4), 413-432.

[13] Mellion, L. R., & Tovin, M. M. (2002). Grounded theory: a qualitative research methodology for physical therapy. Physiotherapy theory and practice, 18(3), 109-120.

[14] Moghaddam, A. (2006). Coding issues in grounded theory. Issues in educational research, 16(1), 52-66.

[15] Ortoll-Espinet, E., González-Teruel, A., & Gilabert-Ros, E. (2010). Information Behaviour of University Students. Paper presented at the Qualitative and Quantitative Methods in Libraries: Theory and Applications: Proceedings of the International Conference on QQML2009, Chania, Crete, Greece, 26-29 May 2009.

[16] Pousttchi, K., Schiessler, M., Wiedemann, D. G. J. I. S., & Management, E.-B. (2009). Proposing a comprehensive framework for analysis and engineering of mobile payment business models. 7(3), 363-393.

[17] Statista (2016), “Global mobile payment transaction volume from 2015 to 2019 (in billion US dollars)”, available at: www.statista.com/statistics/226530/mobile-payment-transactionvolume- forecast/ (accessed 21 May).

[18] Strauss, A. L., & Corbin, J. M. (1990). Basics of qualitative research (Vol. 15): Sage Newbury Park, CA.

[19] Tschopp, M. K., Perkins, D. V., Wood, H., Leczycki, A., & Oyer, L. (2011). Employment considerations for individuals with psychiatric disabilities and criminal histories: Consumer perspectives. Journal of Vocational Rehabilitation, 35(2), 129-141.

Downloads

Published

30.06.2020

Issue

Vol. 24 No. 6 (2020): 24 (6) 2020

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

You are free to:

  1. Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
  2. Adapt — remix, transform, and build upon the material for any purpose, even commercially.
  3. The licensor cannot revoke these freedoms as long as you follow the license terms.

Under the following terms:

  1. Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
  2. No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

Notices:

You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .

No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.

How to Cite

Safaee, M., Jafari, S. M. B., Kordnaeij, A., & Soltani, M. (2020). Designing a framework for establishing mobile payments in Iran. International Journal of Psychosocial Rehabilitation, 24(6), 18571-18582. https://doi.org/10.61841/25x6a624