The contexts where a large number of transactions take place every day, with or without the involvement of acquisition of goods, financial assets or services, is characterized by changes in the means through which payments are carried out. The world is becoming a cashless society due to cash inefficiency and costly of use. However, credit/debit cards are also affected by issues, such as transaction fees, eligibility and inconvenience of authorizing transactions. The increasing mobility of today’s modern society play a key role in this scenario. Mobile Phone has radically transformed telephony market, opening new opportunities to merchants and service providers in the development of new value-added mobile services, and allowing people using mobile phone to Internet/online access or mobile commerce (and payment). The high demand for smartphone, the fact that people are always in possession of them and their financial card, and the innovation in terms of technologies, processes and services provided like the mobile devices growing capabilities of data acquisition, communication and processing led to consider the digitization of physical wallets into mobile applications (mobile wallet) as a promising trend for payments, personal identification, marketing and digital tickets, allowing users to benefit from both Remote and Proximity Payment solutions. The aim of this growing mobile digital service is to improve usability, convenience, security, control over items and novel disruptive experience to wallet owners. For these reasons, the thesis is supposed to analyse the Mobile Wallet active in the Italian market, providing an overview and identifying the main trends about the payment and Value-Added services offered, their requirements, characteristics and functionalities, being focused on Remote and Proximity Payment systems, and p2p solutions as well. Since different mobile wallets are based on different technologies and methods and provide different services, the thesis is supposed to also evaluate the service level about payment services and VAS in order to identify the current best proposals.
I contesti in cui hanno luogo un gran numero di transazioni ogni giorno, riguardanti o meno l’acquisizione di un bene/servizio o di attività finanziarie, sono caratterizzati da cambiamenti in merito ai mezzi attraverso i quali i pagamenti sono effettuati. La società sta utilizzando sempre meno il denaro contante per la sua inefficienza e per il suo costo. Tuttavia, anche l’uso delle carte di credito/debito è condizionato da problemi legati alle commissioni sulle transazioni, idoneità e la scomodità di autorizzare le transazioni. In questo scenario, la crescente mobilità nella moderna società dei nostri giorni ha un ruolo fondamentale. Il telefono mobile ha trasformato radicalmente il mercato della telefonia, offrendo ai commercianti e service provider nuove opportunità di sviluppare nuovi servizi a valore aggiunto per dispositivi mobili, e permettendo agli utenti di accedere a Internet o di fare acquisti e pagamenti tramite telefono mobile. La elevata richiesta di smartphone, il fatto che le persone lo hanno a disposizione in ogni momento assieme alle carte di pagamento, e le recenti innovazioni in termini di tecnologie, processi e servizi, come le crescenti potenzialità nell’acquisizione dei dati, nella comunicazione e nel loro trattamento, portò a considerare la digitalizzazione dei portafogli fisici all’interno di applicazioni (mobile wallets) per dispositivi mobili come un mercato promettente per quanto riguarda i pagamenti, l’identificazione personale, il marketing e i ticket digitali, permettendo agli utenti di usufruire di soluzioni di pagamento in prossimità o da remoto. L’obiettivo di questo servizio digitale in continua espansione è di migliorare la fruibilità, la convenienza, la sicurezza, il controllo sui singoli elementi e di fornire nuove esperienze a coloro che posseggono un portafoglio. Per queste ragioni, la tesi ha l’obiettivo di analizzare i mobile wallets attivi nel mercato italiano, fornendo una panoramica e identificando le principali tendenze riguardo i servizi di pagamento e quelli a valore aggiunto, i loro requisiti, le loro caratteristiche e funzionalità, focalizzando l’attenzione sui sistemi di pagamento da remoto, in prossimità e per effettuare transazioni p2p. Inoltre, siccome i vari mobile wallets sono caratterizzati da tecnologie, metodi e servizi differenti, la tesi ha l’obiettivo di valutare il livello del servizio offerto in relazione ai servizi di pagamento e a valore aggiunto (VAS) al fine di identificare le miglior proposte attualmente esistenti.
The Italian scenario of mobile wallet : a census of the active services
ZINETTI, NADIA
2018/2019
Abstract
The contexts where a large number of transactions take place every day, with or without the involvement of acquisition of goods, financial assets or services, is characterized by changes in the means through which payments are carried out. The world is becoming a cashless society due to cash inefficiency and costly of use. However, credit/debit cards are also affected by issues, such as transaction fees, eligibility and inconvenience of authorizing transactions. The increasing mobility of today’s modern society play a key role in this scenario. Mobile Phone has radically transformed telephony market, opening new opportunities to merchants and service providers in the development of new value-added mobile services, and allowing people using mobile phone to Internet/online access or mobile commerce (and payment). The high demand for smartphone, the fact that people are always in possession of them and their financial card, and the innovation in terms of technologies, processes and services provided like the mobile devices growing capabilities of data acquisition, communication and processing led to consider the digitization of physical wallets into mobile applications (mobile wallet) as a promising trend for payments, personal identification, marketing and digital tickets, allowing users to benefit from both Remote and Proximity Payment solutions. The aim of this growing mobile digital service is to improve usability, convenience, security, control over items and novel disruptive experience to wallet owners. For these reasons, the thesis is supposed to analyse the Mobile Wallet active in the Italian market, providing an overview and identifying the main trends about the payment and Value-Added services offered, their requirements, characteristics and functionalities, being focused on Remote and Proximity Payment systems, and p2p solutions as well. Since different mobile wallets are based on different technologies and methods and provide different services, the thesis is supposed to also evaluate the service level about payment services and VAS in order to identify the current best proposals.| File | Dimensione | Formato | |
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2019_07_Zinetti.pdf
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https://hdl.handle.net/10589/148534