A modeling approach and reference models for the analysis of mobile payment use cases

Mobile payments can be categorized according to their usage in each of the five payment scenarios presented here. The paper proposes the mobile payment modeling approach (MPMA) especially suited for value-based analysis of mobile payment use cases. Based on this approach, the study also develops a set of seven reference models that can classify any given mobile payment use case or mobile payment procedure and analyze it with regard to the business model, the roles of the market participants, and their interrelation from a value-based perspective. An introspective analysis of the mobile payment service provider role and a market constellation analysis which shows the implications of different actors assuming one or more of the respective roles complete the study.