Analyzing the Elements of the Business Model for Mobile Payment Service Provision

In this paper, we use literature review and multi case study analysis in order to identify and analyze different elements of a mobile payment business model. The result is a set of six partial models:: market model, value proposition model, implementation model, capital model, distribution and communication model, and threat model. These models allow for categorization of any given mobile payment business model and, based on this, structured comparison of different business models. Moreover, the set may also support mobile payment service providers in defining and evaluating business models.