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Exploring Consumers’ Payment Behaviours atCompleting Micro-Transactions withVending Machines in Sweden
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Informatics and Media, Human-Computer Interaction. (Människa-datorinteraktion)
2015 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesis
Abstract [en]

This thesis empirically investigated factors that affect consumers’ choice of paymentoptions including cash, credit card and mobile payment, in completingmicro-transactions with vending machines. For the purpose, a theory-informedqualitative study was conducted through semi-structured interviews in combinationwith observations. As a result, we found that consumers choose cash/coins as apriority payment with vending machines because they are traditionally perceived ascash-operated machines. However, since Sweden is moving toward a cashless society,credit card is suggested to be the most compatible with the purchase habit of Swedishpeople. Despite the compatibility, credit card payment with vending machines isperceived as insecure because of vagueness of transaction, pay without pin code andpotential risk of financial fraud. For mobile payment, the findings suggest thatperceived advantage of using mobile payment with vending machines are efficiency,security and privacy. Several barriers to consumers’ acceptance of mobile payment are also identified, which includes complexity and the lack of social influences.

Abstract [sv]

Denna uppsats behandlar en empirisk undersökning av faktorer som påverkarkonsumenters val av betalningsmedel, detta inkluderar kontant, kredit och mobiltbetalningsmedel vid microtransaktioner hos försäljningsautomater. For att uppfyllasyftet används en teoribaserad kvalitativ studie genom semi-strukturerade intervjuer ikombination med observationer. Vi fann att betalningsmedel forförsäljningsautomater traditionellt sett uppfattas vara kontanta medel, vilket resulterari att konsumenter prioriterar att använda kontanter. Emellertid, eftersom Sverige rörsig mot ett kontantfritt samhälle föreslås kreditkort vara mer kompatibelt medsvenska folkets handelsvanor. Trots denna kompatibilitet är kreditbetalning iförsäljningsautomater uppfattat som osäkert på grund av vagheten I transaktionen, attbetala utan pinkod och en potential risk for bedrägeri. Vad gäller mobil betalningfinner studien att det anses vara en fördel vid betalning i försäljningsautomater då detger effektivitet, säkerhet och exklusivitet/en mer privat dimension. Ett flertal barriärerfor konsumenters acceptans av mobil betalning identifieras i studien. Detta inkluderarkomplexitet och otillräckliga sociala influenser.

Place, publisher, year, edition, pages
2015. , 39 p.
Keyword [en]
Micro transactions, micro payment, vending machines, mobile payment, credit card payment, user acceptance
National Category
Human Aspects of ICT
URN: urn:nbn:se:uu:diva-256282OAI: oai:DiVA.org:uu-256282DiVA: diva2:824916
Subject / course
Human-Computer Interaction
Educational program
Master Programme in Human-Computer Interaction
2015-06-01, Ekonomikum, Uppsala, 20:03 (English)
Available from: 2015-06-23 Created: 2015-06-22 Last updated: 2015-06-23Bibliographically approved

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