The current market penetration of mobile phones in conjunction with an expected growth of m-commerce offers a high potential for the growth of m-payment over the next few years. Although research analysts have predicted that m-payments will gain a significant foothold in the coming years, the requisite high-speed data services and the desirable demand will not materialize overnight. In addition, a wide variety of m-payment technologies are available today, but the value of such services is not clear yet. In order to investigate some key issues related to m-payment from a user's perspective, this paper explores and presents the mobile users' opinions and estimations about these new services via a survey conducted among 315 students in the University of Ioannina, Greece.
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