پیوندهای مفید
اخبار و اعلانات
آمار
| تعداد نشریات | 163 |
| تعداد شماره‌ها | 6,762 |
| تعداد مقالات | 72,833 |
| تعداد مشاهده مقاله | 131,802,784 |
| تعداد دریافت فایل اصل مقاله | 103,509,776 |
طراحی چارچوب استقرار پرداخت همراه در ایران: رویکردی رفتاری | ||
| مجله علمی "مدیریت فرهنگ سازمانی" | ||
| دوره 21، شماره 2، تیر 1402، صفحه 139-154 اصل مقاله (1 M) | ||
| نوع مقاله: مقاله پژوهشی | ||
| شناسه دیجیتال (DOI): 10.22059/jomc.2021.318199.1008223 | ||
| نویسندگان | ||
| سید محمدباقر جعفری* 1؛ اسداله کردنائیج2؛ مرتضی سلطانی1؛ مریم صفایی1 | ||
| 1گروه مدیریت، دانشکدة مدیریت و حسابداری، پردیس فارابی دانشگاه تهران، قم، ایران | ||
| 2گروه مدیریت، دانشکدة مدیریت و اقتصاد، دانشگاه تربیت مدرس، تهران، ایران | ||
| چکیده | ||
| هدف: با وجود اهمیت پرداخت همراه، تحقیقات در این حوزه هنوز در ابتدای راه است. هدف از مطالعة حاضر ارائۀ چارچوبی جهت استقرار سیستم پرداخت همراه در ایران با رویکرد رفتاری است. روش: در این پژوهش با اتخاذ روش پژوهش کیفی نظریة داده‌بنیاد (رویکرد نظام‌مند) تلاش شد به طراحی چنین چارچوبی پرداخته شود. جهت گردآوری داده‌ها، با نوزده نفر از خبرگان فعال در شرکت همراه اول در سطح شهر تهران مصاحبه صورت گرفت. تحلیل داده‌ها مطابق با رویة نظریة داده‌بنیاد طی سه مرحله کدگذاری باز و محوری و انتخابی انجام یافت. یافته ها: نتایج این مطالعه، علاوه بر شناسایی ذی‌نفعان سیستم پرداخت، مفهوم روشن‌تری از آن ارائه و جنبههای مختلف راهبردی برای استقرار آن را توصیف می‌کند. این مطالعه همچنین کارکردها و به تبع آن پیامدهای استقرار سیستم پرداخت همراه را در زمینة محیطی کلان آن مشخص و بسترسازی فرهنگی، ارتقای تجربة کاربری، بهبود مدل‌های درآمدی (کارمزدها)، و شخصی‌سازی سرویسها را برای تقویت چارچوب استقرار پیشنهاد می‌کند. نتیجه گیری: این یافتهها به طور کلی ابزاری به دست پژوهشگران می‌دهد که بتوانند بر اساس آن مدل‌های جزئیتر و مشخص‌تر را در یک چارچوب کلان و کلنگر بررسی کنند. علاوه بر این، فعالان در بازار کسب‌وکار را قادر می‌سازد گام‌های متنوع را برای استقرار چنین سیستم‌هایی در زمینة خاص خود بررسی کنند و پیامدهای محتمل از آن را تخمین بزنند. | ||
| کلیدواژه‌ها | ||
| استقرار سیستم؛ پرداخت همراه؛ طراحی چارچوب استقرار؛ نظریة داده‌بنیاد | ||
| عنوان مقاله [English] | ||
| Designing a framework for deploying mobile payments in Iran: A behavioral approach | ||
| نویسندگان [English] | ||
| Seyed Mohammadbagher Jafari1؛ Asadollah Kordnaeij2؛ Morteza Soltanee1؛ Maryam Safaee1 | ||
| 1Department of Management , Faculty of Management and Accounting, University of Tehran, College of Farabi, Qom, Iran | ||
| 2Department of Management, Faculty of Management & Economics, Tarbiat Modares University, Tehran, Iran | ||
| چکیده [English] | ||
| Despite the significance of mobile payments, research in this domain is still in its early stages. The objective of this study is to develop a framework for implementing mobile payment in Iran, using a behavioral approach. This qualitative research employed grounded theory methodology. Data was collected through interviews with 19 experts from the first mobile company in Tehran. The validity and reliability of the data collection tool (interview protocol) were assessed using formal and content validity approaches, as well as inter-coder agreement evaluation. Data analysis followed the procedures of grounded theory, including open, axial, and selective coding stages. The study results not only identify the stakeholders of the payment system but also provide a clearer conceptualization and outline various strategic aspects for its establishment. Moreover, the study identifies functions and subsequent consequences of implementing a mobile payment system within the macro environment, suggesting activities such as cultural context development, enhancing user experience, improving revenue models (fees), and personalizing services to strengthen the deployment framework. Overall, these findings offer researchers a basis for investigating more detailed and specific models within a macro and dispersed framework. Furthermore, it enables market participants to consider the diverse steps involved in establishing such systems in their respective fields and estimate potential outcomes. | ||
| کلیدواژه‌ها [English] | ||
| Deployment Framework design, Grounded theory, Mobile payment, System deployment | ||
| مراجع | ||
|
خداپناه، بهمن (1394). شناسایی عوامل مؤثر بر موفقیت صادرات میوه (مطالعة موردی: کشت و صنعت مغان). پایان‌نامةکارشناسی‌ارشد. دانشگاه تهران، تهران.
ریحانی، نسترن و مهبودی، محمد (1399). تأثیر امنیت درک‌شده، سهولت درک‌شده، لذت درک‌شده از خرید بر استفاده از NFC تلفن همراه در پرداختها در تجارت الکترونیک (مورد مطالعه: پرداخت‌های بیمة عمر و سرمایه‌گذاری بیمة پاسارگاد). پنجمین کنفرانس علمی رهیافتهای نوین در علوم انسانی ایران. 27 آذرماه 1399.
سایت بانک مرکزی (1400). دریافت‌شده در تاریخ 20 فروردین 1400، از آدرس https://www.shaparak.ir/reports.
معلومی، نوید (1391). بررسی و تبیین دانش در استراتژی، ساختار، و فرایندهای مدیریت منابع انسانی سازمان گسترش و نوسازی صنایع ایران. مؤسسة آموزش عالی مهر البرز.
مقدسیان، مرتضی (1398). چالشهای صنعت بانکداری و پرداخت. عصر تراکنش، 30 و 31.
طهماسیان، مارینه، قاضی نوری نائینی، سید سروش و نقی زاده ، محمد (1399). شناسایی عوامل تأثیرگذار بر به‌کارگیری و ارزیابی فناوری پرداخت همراه به تفکیک پرداخت‌های خرد و کلان (مورد مطالعه: بانک ملت). دومین کنفرانس علمی‌ـ پژوهشی مدیریت، اقتصاد و حسابداری. موناکو‌ـ فرانسه، 20 آذر 1399.
Adaba, B. G. & Ayoung, D. (2017). The development of a mobile money service: an exploratory actor-network study. Information Technology for Development, 23(4), 668-686.
Bailey, A.A., Pentina, I., Mishra, A.S., & Mimoun, M.S. (2020). Exploring factors influencing US millennial consumers’ use of tap-and-go payment technology. Int. Rev. Retail Distrib. Consum. Res. 30(2), 143–163.
Baltar, F. & Brunet, I. (2012). Social research 2.0: virtual snowball sampling method using Facebook. internet Research, 22(1), 57-74.
Barati, S. & Mohammadi, S. (2009). An efficient model to improve customer acceptance of mobile banking. Paper presented at the World Congress on Engineering and Computer Science.
Basci, E. (2016). A Critical Look at “Marketing, Consumption, and Society” by Anti-Consumerists: A Qualitative and Interdisciplinary Model of Anti-Consumerism. International Journal of Marketing Studies, 8(5), 15.
Brown, J. W., Chen, S. l., Mitchell, C., & Province, A. (2007). Help‐seeking by older husbands caring for wives with dementia. Journal of advanced nursing, 59(4), 352-360.
Boden, J., Maiera, E., & Wilken, R. (2020). The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay. J. Retailing Consum. Serv. 52, 101910, 2020.
CBI Website (2020). Retrived from: https://www.shaparak.ir/reports (in Persian).
Chen, J. J. & Adams, C. (2005). User acceptance of mobile payments: a theoretical model for mobile payments. Paper presented at the Proceedings of the Fifth International Conference on Electronic Business (ICEB), Hong Kong.
Chin, W.W. (1998). Commentary: Issues and opinion on structural equation modeling. MIS Quarterly, 22(1).
Chopdara, P. & Balakrishnanb, J. (2020). Consumers response towards mobile commerce applications: S-O-R approach. International Journal of Information Management, 53.
Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electron. Commer. Res. Appl. 14(5), 265–284.
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic commerce research and applications, 7(2), 165-181.
Donovan, K. (2012). Mobile money for financial inclusion. In Information and communications for development 2012 (pp. 61–73). Washington, DC: The World Bank.
Edwards-Joseph, A. & Baker, S. (2014). Factors Caribbean overseas students perceive influence their academic self-efficacy. Journal of International Students, 4(1), 48-59.
Ellis, T. J. & Levy, Y. (2009). Towards a guide for novice researchers on research methodology: Review and proposed methods. Issues in Informing Science and Information Technology, 6, 323-337.
Eze, U. C., Gan, G. G. G., Ademu, J., & Tella, S. A. (2008). Modelling user trust and mobile payment adoption: a conceptual Framework. Communications of the IBIMA, 3(29), 224-231.
Fatai, O. I. A., Faqih, A., & Bustan, W. K. (2014). Children's active learning through unstructured play in Malaysia. Childhood Education, 90(4), 259-264.
Fragata, A. (2019). The influence of Image and Service Value on Mobile Banking Loyalty. Archives of Business Research, 7(12), 174-179.
French, M. L. (2008). Improving sustainability through effective reuse of product returns: minimizing waste in a batch blending process environment. Journal of Cleaner Production, 16(15), 1679-1687.
Goulding, C. (2000). Grounded Theory Methodology and Consumer Behaviour, Procedures, Practice and Pitfalls. Advances in consumer research, 27(1).
Guo, J. & Bouwman, H. (2016). An analytical framework for an m-payment ecosystem: A merchants׳ perspective. Telecommunications Policy, 40(2-3), 147-167.
Heggestuen, J. (2014). Carrier Billing Is Back and It’s Becoming A Popular Way to Pay on Phones. Business Insider.
Hughes, F. R. & Kleist, D. M. (2005). First‐semester experiences of counselor education doctoral students. Counselor Education and Supervision, 45(2), 97-108.
Hussain, M. (2018). M-payment adoption for bottom of pyramid segment: an empirical investigation. International Journal of Bank Marketing. 0265-2323.
Kalinic, Z., Marinkovic, V., Molinillo, S., & Liébana-Cabanillas, F. (2019). A multi-analytical approach to peer-to-peer mobile payment acceptance prediction. Journal of Retailing and Consumer Services, 49, 143-153.
Kalini, Z., Marinkovi, V., Kalini, L., & Cabanillas, F. (2021). Neural network modeling of consumer satisfaction in mobile commerce: An empirical analysis. Expert Systems with Applications, 175(2021) 114803.
Kar, A.K. (2020). “What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”. Information System Frontiers, In press.
KhodaPanah, B. (2015). Identifying the factors affecting the success of fruit exports (Case study: Moghan Agriculture and Industry). Master Thesis, University of Tehran, Tehran. (in Persian)
Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An innovation resistance theory perspective on mobile payment solutions. J. Retailing Consum. Serv. 55, 102059.
Li, Y., Yang, S., Zhang, S., & Zhang, W. (2019). Mobile social media use intention in emergencies among Gen Y in China: An integrative framework of gratifications, task technology fit, and media dependency. Telematics and Informatics, 42, 101244.
Liao, S. & Yang, L. (2020). Mobile payment and online to offline retail business models. Journal of Retailing and Consumer Services, 57, 102230.
MacMaster, S. A., Rasch, R. F., Kinzly, M. L., Cooper, R. L., & Adams, S. M. (2009). Perceptions of sexual risks and injection for HIV among African American women who use crack cocaine in Nashville, Tennessee. Health & social work, 34(4), 283-291.
Mallat, N. (2007). Exploring consumer adoption of mobile payments–A qualitative study. The Journal of Strategic Information Systems, 16(4), 413-432.
Malomi. N. (2012). Study and explanation of knowledge in the strategy, structure and processes of human resource management of the Industrial Development and Renovation Organization of Iran. Master Thesis. Mehr Alborz Higher Education Institute. (in Persian)
Marcusson, L. (2008). Asymmetriskt påverkat beslutsfattande i IT-projekt.
Maybank (2016). Maybank launches Malaysia’s first mobile wallet payment convenience. http://www.maybank.com/iwovresources/corporate_new/document/my/e n/pdf/corporate news-release/2016/TreatsFair2016.pdf.
Mellion, L. R. & Tovin, M. M. (2002). Grounded theory: a qualitative research methodology for physical therapy. Physiotherapy theory and practice, 18(3), 109-120.
Meyll, T. & Walter, A. (2019). Tapping and waving to debt: mobile payments and credit card behavior. Finance Res. Lett. 28(1), 381–387.
Moghadasian, M. (2019). Challenges of the banking and payment industry. Asre tarakonesh Monthly, 30-31. (in Persian)
Moghavvemi, S., Mei, T., Phoong, S., & Phoong, S. (2021). Drivers and barriers of mobile payment adoption: Malaysian merchants’ perspective. Journal of Retailing and Consumer Services, 59(2021), 102364.
Moss, S., Prosser, H., Costello, H., Simpson, N., Patel, P., Rowe, S., … Hatton, C. (1998). Reliability and validity of the PAS‐ADD Checklist for detecting psychiatric disorders in adults with intellectual disability. Journal of Intellectual Disability Research, 42(2), 173-183.
Murray, J. Y. & Fu, F. Q. (2016). Strategic guanxi orientation: How to manage distribution channels in China?. Journal of International Management, 22(1), 1-16.
Patila, P., Tamilmanib, K., Ranab, N., & Raghavanc, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressed. International Journal of Information Management, 54, 102144.
Pousttchi, K., Schiessler, M., & Wiedemann, D. G. (2009). Proposing a comprehensive framework for analysis and engineering of mobile payment business models. Information Systems and E-Business Management, 7(3), 363-393.
Qasim, H. & Abu-Shanab, E. (2016). Drivers of mobile payment acceptance: The impact of network externalities. Information Systems Frontiers, 18(5), 1021-1034.
Qureshi, S. (2013). What is the role of mobile phones in bringing about growth?. Information Technology for Development, 19, 1–4.
Reyhani, N. & Mahboodi, M. (2020). The Impact of Perceived Security, Perceived Ease, Perceived Pleasure of Shopping on the Use of Mobile NFC in Payments in E-Commerce (Case Study: Pasargad Life Insurance Payments and Pasargad Insurance Investments). Fifth scientific conference of modern approaches in the humanities of Iran. (in Persian)
Sarkar, S., Chauhan, S., & Khare, A. (2020). A meta-analysis of antecedents and consequences of trust in mobile commerce. International Journal of Information Management, 50, 286–301.
Sinha, R.K. & Adhikari, A. (2018). Buyer-seller amount-price equilibrium for prepaid services: implication for promotional pricing. J. Retailing Consum. Serv, 44(2), 285–292.
Singh, N. & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. J. Retailing Consum. Serv, 52, 101894.
Slade, E. L., Williams, M. D., & Dwivedi, Y. K. (2013). Mobile payment adoption: Classification and review of the extant literature. The Marketing Review, 13(2), 167-190.
Statista (2020). Retrived from: https://www.statista.com/study/39303/mobile-payment-usage-worldwide/
Strauss, A. L. & Corbin, J. M. (1990). Basics of qualitative research (Vol. 15). Sage Newbury Park, CA.
Stroborn, K., Heitmann, A., Leibold, K., & Frank, G. (2004). Internet payments in Germany: a classificatory framework and empirical evidence. Journal of Business Research, 57(12), 1431-1437.
Tahmasian, M., Noori, S., & Naghizadeh, M. (2020). Identification of factors affecting the application and evaluation of mobile payment technology by micro and macro payments (case study: Bank Mellat). 2ed Scientific research conference on management, economics and accounting. (in Persian)
Talwar, S., Dhir, A., Khalil, A., Mohan, G., & Najmul Islam, A.K.M. (2020). Point of adoption and beyond. Initial trust and mobile-payment continuation intention. J. Retailing Consum. Serv. 55, 102086.
Tschopp, M. K., Perkins, D. V., Wood, H., Leczycki, A., & Oyer, L. (2011). Employment considerations for individuals with psychiatric disabilities and criminal histories: Consumer perspectives. Journal of Vocational Rehabilitation, 35(2), 129-141.
Verkijika, S. (2020). Times Have Changed, Don't Lose Business Because of “Sorry We Don't Accept Cards!”. In Impact of Mobile Services on Business Development and E-Commerce (pp. 71-87). IGI Global.
Wang, C. & Teo, T. S. (2020). Perceived value and continuance intention in mobile government service in China. Telematics and Informatics,101348.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems.
Zhang, J. & Mao, E. (2020). Cash, credit, or phone? An empirical study on the adoption of mobile payments in the United States. Psychology & Marketing, 37(1), 87-98.
Zhao, H., Anong, S., & Zhang, L. (2019). Understanding the impact of financial incentives on NFC mobile payment adoption: an experimental analysis. Int. J. Bank Market, 37(5), 1296–1312.
Zmijewska, A. & Lawrence, E. (2005). Reshaping the framework for analysing success of mobile payment solutions. Paper presented at the IADIS International Conference on E-Commerce, Porto, Portugal.
| ||
|
آمار تعداد مشاهده مقاله: 1,509 تعداد دریافت فایل اصل مقاله: 331 |
||
سامانه مدیریت نشریات علمی. قدرت گرفته از سیناوب