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Mobila betalningar: Vilka upplevda risker finns det bland svenska konsumenter
University West, School of Business, Economics and IT, Divison of Informatics.
University West, School of Business, Economics and IT, Divison of Informatics.
2017 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Mobile Payments : What perceived risks are there among swedish consumers? (English)
Abstract [en]

In this study we have examined what perceived risks Swedish users of mobile payments have. The study focuses on the risks consumers experience in mobile payments, including user habits, as well as social influences regarding how users first started using mobile payments. Previous studies have shown that there are concerns among Swedish users of mobile payments, including the perceived risks associated with the security aspect of using mobile payments, aswell as psychological risks. The purpose of this study is thus to identify what risks Swedish users experience when using mobile payments. To carry put the study and the empirical data collection, a qualitative study effort has been applied, through personal interviews with a total of six respondents. The respondents consisted of six students at the University of West, which are divided into two different programs that they study. A literature study has also been made, through a theoretical review. We found through the interviews that there are several perceived risks among mobile payment users. The three most important risks were theft of sensitive information, malicious software, and fraud as a serious and realistic perceived risk of mobile payments. We also found that the perceived risks are judged to be greater if users have previously suffered from mobile payment risks or have acquaintances that hafe suffered from it. The tendency to use mobile payments also reduces if they previously suffered from risks, which is in line with earlier studies. The study also shows that social influences have a significant factor in how users first start using mobile payments, especially the influence of family and friends. The conclusion we can deduce from the study are that factors affecting personal integrity appear to be the most important perceived risks among the users interviewed, and other security risks are also perceived as serious. We also found a direct correlation betwen previous experiences of mobile payments and how risks are perceived. Although several respondents perceive that there are risks with mobile payments, they continue to be used because the mobile payments services are perceived as practical, easy and convenient. The risks are not perceived to be big enough to stop them from using mobile payments, although they do exist.

Place, publisher, year, edition, pages
2017. , p. 34
Keyword [sv]
Mobila betalningar, upplevda risker, svenska konsumenter
National Category
Information Systems, Social aspects
Identifiers
URN: urn:nbn:se:hv:diva-12032Local ID: EIC501OAI: oai:DiVA.org:hv-12032DiVA: diva2:1178199
Subject / course
Informatics
Educational program
Systemutveckling - IT och samhälle
Supervisors
Examiners
Available from: 2018-01-29 Created: 2018-01-29 Last updated: 2018-01-29Bibliographically approved

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