A Systematic Approach to Explain the Delayed Deployment of Mobile Payments in Switzerland

Despite the predicted success of mobile payments, the market remains immature in most countries. This can be explained by a number of technical and business issues. Mobile technology environments are becoming more complex, uncertain, and disruptive. As such, the strategic assessment of technologies remains a challenging activity. In this paper we present a systematic approach to analyze the mobile payment industry. To decompose the problem we identified two potential disruptions which could occur in this market. As we cover both the technological and the organizational aspects, we provide a more complete picture of the status of mobile payments in Switzerland. Moreover, this approach intends to unveil the factors delaying the deployment of mobile payments in Switzerland.