This paper aimed to study Mobile Payment services and assess the intricate world of the international Mobile Payment startups ecosystem guessing a possible future evolution. Mobile Payment is a payment method where a smartphone is needed for initiating and confirming a payment of any good or service, but it is alsoe one of the most rapidly evolving businesses, changing the way it functions among the consumers and merchants. Literature has been focused on technology, the ecosystem and consumer adoption in order to understand mobile payments market with its different variations and business models available, the startups and entrepreneurial activity with the factors that influence them and may be the cause of disruption of mobile payments industry. The study compares two datasets, the Old and the New dataset, that summarize the information on startups that I achieve from Crunchbase database and Alba database of Osservatori Startup. To analysis mobile payments startups, the two censuses select only active startup funded in the last 2 years in different time frames: the Old dataset from 2012 to 2016 and the New one from 2013 to 2017. All startups that incorporate mobile payments are scouted and pass through a further selection to find the startups that focus on mobile payments as core business. The database is then kept updated from the crunchbase database as well as other sources. In the analisys the startup ecosystem is identified to find all the factors that affect startups and entrepreneurial activity in general based on Isenberg’s model. The data are analyzed and represented in graphs and different conclusions are discovered. The analysis shows the mobile commerce expansion to half share of the market and the growth of the relative total funding. There is a dominance of players from the USA, making up 37% of the startups studied, and from China where just seven start- ups have attracted 47% of the $6.14 billion dollars of total finance. The future follows various directions with a particular attention to the mobile commerce on which the funding has been concentrated.
Questo documento si propone di studiare i servizi di Mobile Payment e mira a valutare l'intricato ecosistema delle startup di Mobile Payment a livello internazionale e predirne la possibile evoluzione futura. Il Mobile Payment è un metodo di pagamento in cui è necessario uno smartphone per avviare e confermare un pagamento di qualsiasi bene o servizio, ma è anche uno dei settori in più rapida evoluzione, essendo cambiate le modalità d'interazione tra consumatori ed erogatori di servizi. La letteratura si è concentrata sulla tecnologia, sull'ecosistema e sull'adozione dei consumatori per comprendere il mercato dei pagamenti mobile con le sue varianti e i differenti modelli di business, le startup e l'attività imprenditoriale unitamente ai fattori che li influenzano e potrebbero essere la causa di interruzione del settore dei pagamenti mobili . Lo studio mette a confronto due dataset, il dataset Old and the New, che riassumono le informazioni sulle startup che ottengo dal database Crunchbase e dal database Alba di Osservatori Startup. Per analizzare le startup del mobile payment, i due censimenti selezionano solo startup attive e finanziate negli ultimi 2 anni ma in diversi intervalli di tempo: il dataset Old dal 2012 al 2016 e quello nuovo dal 2013 al 2017. Tutte le startup che incorporano i pagamenti mobili sono state passate in rassegna con lo scopo di selezionare solo quelle che si concentrano sui pagamenti mobili come core business. Il database è stato viene quindi aggiornato utilizzando il database di crunchbase e altre fonti. A livello di analisi si è cercato in primo luogo di individuare l'ecosistema di avvio per identificare tutti i fattori che influiscono sulle startup e sull'attività imprenditoriale in generale, sulla base del modello di Isenberg. In secondo luogo, i dati sono stati analizzati e rappresentati in grafici e si è giunti a diverse conclusioni. L'analisi mostra l'espansione del mobile commerce fino a metà della quota di mercato unitamente alla crescita del relativo finanziamento totale. C'è una predominanza di attori provenienti dagli Stati Uniti, che rappresentano il 37% delle startup studiate, e dalla Cina, dove solo sette start-up hanno attratto il 47% dei $ 6,14 miliardi di dollari dei finanzamenti totali. Il futuro segue varie direzioni con una particolare attenzione al mobile commerce su cui è stato concentrato il finanziamento.
The international mobile payment startups : overview of the services and analysis of the evolution
DAMIANI, DAVIDE
2017/2018
Abstract
This paper aimed to study Mobile Payment services and assess the intricate world of the international Mobile Payment startups ecosystem guessing a possible future evolution. Mobile Payment is a payment method where a smartphone is needed for initiating and confirming a payment of any good or service, but it is alsoe one of the most rapidly evolving businesses, changing the way it functions among the consumers and merchants. Literature has been focused on technology, the ecosystem and consumer adoption in order to understand mobile payments market with its different variations and business models available, the startups and entrepreneurial activity with the factors that influence them and may be the cause of disruption of mobile payments industry. The study compares two datasets, the Old and the New dataset, that summarize the information on startups that I achieve from Crunchbase database and Alba database of Osservatori Startup. To analysis mobile payments startups, the two censuses select only active startup funded in the last 2 years in different time frames: the Old dataset from 2012 to 2016 and the New one from 2013 to 2017. All startups that incorporate mobile payments are scouted and pass through a further selection to find the startups that focus on mobile payments as core business. The database is then kept updated from the crunchbase database as well as other sources. In the analisys the startup ecosystem is identified to find all the factors that affect startups and entrepreneurial activity in general based on Isenberg’s model. The data are analyzed and represented in graphs and different conclusions are discovered. The analysis shows the mobile commerce expansion to half share of the market and the growth of the relative total funding. There is a dominance of players from the USA, making up 37% of the startups studied, and from China where just seven start- ups have attracted 47% of the $6.14 billion dollars of total finance. The future follows various directions with a particular attention to the mobile commerce on which the funding has been concentrated.| File | Dimensione | Formato | |
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https://hdl.handle.net/10589/145068