The Diffusion Model of NFC Technology in the Mobile Payment System in Iran

This study aims to create a diffusion model for the diffusion of Near-Field Communication (NFC) technology in the mobile payment system in Iran. NFC technology is one of the technological applications that is spreading worldwide daily and being used in various industries. In recent years, the country's banking system has tried implementing it in electronic payments based on cell phones, but it has not yielded results. The study's statistical population is everyone over 18 who can use the banking system. It is an applied and mixed study (quantitative and qualitative) using a system dynamics approach. The results are summarized in four scenarios, with the fourth scenario providing the best results. By implementing this scenario, accompanied by an increase in contact rate, education and culture, and legal infrastructure, the growth of NFC technology among users of mobile phone-based payment systems in the country can be increased to an acceptable level.