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Inter-consortia Battles In Mobile Payments Standardisation☆

机译：联盟间的移动支付标准化之战☆

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摘要

Mobile payments can be seen as an innovation service offered by key players from the financial and mobile communication industries.Many believe that standards ensure the success of mobile payments.However,actors with heterogeneous interests cause the complexity in standards-setting process and,therefore,the absence of standards for mobile payments.Various groups have been formed to generate standardised solutions for mobile payments.This paper describes and analyses the role of these groups and how they influence the development of mobile payments.Five consortia are explored in min-case analysis.They are the Mobile Payment Forum,the Mobey Forum,Simpay,PayCircle,and the European Committee for Banking Standards.The existence of these consortia has instigated inter-consortia competition.As a result,there are three types of mobile payments developments identified: bank-account based,telecommunications companies billing-based,and credit-card based.The implications of the developments are discussed with the help of interpretive theory.
机译：移动支付可以看作是金融和移动通信行业主要参与者提供的一项创新服务。许多人认为标准确保了移动支付的成功。然而，利益相关者的参与导致标准制定过程的复杂性，因此，在缺乏移动支付标准的情况下，已经形成了各种小组来生成移动支付的标准化解决方案。本文描述并分析了这些小组的作用以及它们如何影响移动支付的发展。在最小案例分析中探索了五个财团他们是移动支付论坛，莫比论坛，Simpay，PayCircle和欧洲银行业标准委员会。这些联盟的存在促使联盟之间的竞争。结果，确定了三种类型的移动支付发展：基于银行帐户，电信公司计费和信用卡的情况。在解释理论的帮助下进行讨论。

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