DOCSLIB.ORG

Factors Influencing Consumer Trust in Mobile Payments in the United Arab Emirates

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Factors Influencing Consumer Trust in Mobile Payments in the United Arab Emirates Factors Influencing Consumer Trust in Mobile Payments in the United Arab Emirates By Ahmed Shuhaiber A thesis submitted to Victoria University of Wellington in partial fulfilment of the requirements for the degree of Doctor of Philosophy in Information Systems Victoria University of Wellington 2016 I Abstract While mobile payments have been adopted by a huge number of businesses, the body of knowledge regarding user trust in mobile payments shows that trust is a major issue in its adoption and development. The purpose of this study was to better understand the factors that influence consumer trust in mobile payments in one significant country in this region; The United Arab Emirates (UAE) as the research region. The UAE is one of the leading economies in the Middle East Arab region, and mobile technology is well advanced and widely utilised. An analysis of relevant literature provided the basis for the development of a conceptual model. The model, classified into five logical groups (consumer characteristics, environmental influences, provider characteristics, perceived risks and mobile-device characteristics), was further explored, validated, extended and tested through a mixed- method methodology, combining both qualitative (phase one) and quantitative (phase two) approaches, with semi-structured interviewing in exploratory focus groups and an online survey being used respectively The findings of the qualitative phase were used to clarify the appropriateness of the preliminary Consumer Trust in Mobile Payments (CTMP) model, which was accordingly revised and extended. The second phase (the quantitative approach) was based on a survey of 340 respondents in the UAE. The collected data were analysed by using Structural Equation Modelling with the Partial Least Squares (PLS-SEM) approach. Many of the factors in the qualitative CTMP model were successfully validated and statistically significant. The resulting, quantitatively weighted CTMP model shows that users‟ awareness and provider‟s trustworthiness are the most positive influential factor, followed by perceive security levels and device-design suitability. Customers‟ uncertainty avoidance, on the other hand, is the most negatively influential factor on trust, followed by perceived privacy risks associated with m-payments. The model contributes towards better acceptance and usage of mobile payments. The findings also provide a number of theoretical implications for academic research and useful information for practitioners. II Acknowledgements My sincerest thanks and praise to Allah, my lord and creater, who guided me into the straight path, and taught me everything I know. I am also grateful to his prophet Mohammed, peace be upon him, whose teachings support me in seeking knowledge along life. The prophet said “He who does not thank the people is not thankful to Allah”. I would like to express my deep appreciation to the people who made my PhD possible and gave support along my research journey, including: My family members: Parents (Haitham and Sahar), for your endless support, kindness, patience, care and prays. My brothers (Jawad and Muhannad) and sister (Farah), for your motivation and financial support. And my wonderful wife (Nour) and my lovely small daughter (Tamara), for your love, encouragement and understanding. My supervisory team: Hans Lehmann (Primary supervisor), Val Hooper and Tony Hooper. Thank you for your directions, continued help and guidance. Without your academic support, this research never would have happened. My examiners: Benoit Aubert, Ananth Srinivasan and Key Pousttchi. Thank you for your insightful and helpful feedback. A special thank to Benoit for the extraordinary follow up and guiding advises. I also would like to thank Laila Faisal and Deborah Laurs from the student learning centre at Victoria University for their support by acting as a „sounding board‟ for ideas on this research. For my friends, work collegues and research mates: thank you all. III Table of Contents Abstract ................................................................................................................................. II Table of Contents ................................................................................................................ III List of Figures .................................................................................................................... VII List of Tables ..................................................................................................................... VII List of Abbreviations......................................................................................................... VIII CHAPTER ONE Research Background .................................................................................. 1 1.1 Chapter Overview .......................................................................................................... 1 1.2 Research Introduction and Motivation ........................................................................... 1 1.3 Justification of the Research Region .............................................................................. 3 1.4 Research Objectives and Questions ............................................................................... 5 1.5 Research Method ............................................................................................................ 5 1.5.1 The Qualitative Method (Phase One). ..................................................................... 5 1.5.2 The Quantitative Method (Phase Two). ................................................................... 6 1.6 Thesis Outline ................................................................................................................ 6 CHAPTER TWO Literature Review ......................................................................................... 8 2.1 Chapter Overview .......................................................................................................... 8 2.2 Mobile Commerce .......................................................................................................... 8 2.2.1 Brief history of mobile commerce. .......................................................................... 8 2.2.2 Definitions of mobile commerce. ............................................................................ 9 2.2.3 M-commerce and e-commerce. ............................................................................. 11 2.2.4 M-commerce services and applications. ............................................................... 14 2.2.5 Requirements of m-commerce. .............................................................................. 15 2.2.6 Key players in m-commerce. ................................................................................. 15 2.3 Mobile Payments .......................................................................................................... 16 2.3.1 Definitions of mobile payments. ............................................................................ 17 2.3.2 Processes of a mobile payment. ............................................................................ 17 2.3.3 Types of m-payments. ............................................................................................ 18 2.3.4 M-payments in developing and developed countries (examples and statistics). ... 20 2.3.5 M-payments in the Middle East and Arab countries. ........................................... 22 2.3.6 M-payments in the Emirates. ................................................................................ 23 2.4 Trust ............................................................................................................................. 26 2.4.1 What does trust mean? .......................................................................................... 26 2.4.2 Trust characteristics and dimensions. .................................................................. 28 2.5 Distrust ......................................................................................................................... 30 2.5.1 The concept of distrust. ......................................................................................... 30 2.5.2 Relationship between trust and distrust. ............................................................... 32 2.5.3 Distrust in m-payments. ........................................................................................ 34 2.6 Trust in M-payments .................................................................................................... 34 2.6.1 Importance of trust in m-payments. ...................................................................... 34 2.6.2 What is the problem with consumer trust in m-payments? ................................... 36 2.6.3 It is harder to build trust in m-payments than other e-payments. ......................... 36 2.6.4 Adoption and trust in m-payments. ....................................................................... 38 2.6.5 An overview of factors influencing consumer trust in m-payments. ..................... 38 IV 2.6.6 Studies about trust in m-payments in the Emirates and surrounding Middle Eastern and Arab countries. ........................................................................................... 56 2.6.7 Summary of the factors influencing consumer trust in m-payments. ..................... 58 2.7 Summary of Literature Review ....................................................................................
Load more

Recommended publications
  • IS PLASTIC DISAPPEARING? the Cards International Prepaid Summit
    November 2015 Issue 525 www.cardsinternational.com IS PLASTIC DISAPPEARING? The Cards International Prepaid Summit • ANALYSIS: Card Fraud • INTERVIEW: ITRS • GUEST COMMENT: Peter Pop • COUNTRY REPORTS: Malaysia, China & Egypt CI Nov 525.indd 1 04/12/2015 14:40:17 Multichannel digital solutions for fi nancial services providers To fi nd out more about us please visit: www.intelligentenvironments.com Intelligent Environments is an international provider of innovative mobile and online solutions for fi nancial services providers. Our mission is to enable our clients to always stay close to their own customers. We do this through Interact®, our single software platform, which enables secure customer acquisition, engagement, transactions and servicing across any mobile and online channel and device. Today these are predominantly focused on smartphones, PCs and tablets. However Interact® will support other devices, if and when they become mainstream. We provide a more viable option to internally developed technology, enabling our clients with a fast route to market whilst providing the expertise to manage the complexity of multiple channels, devices and operating systems. Interact® is a continuously evolving technology that ensures our clients keep pace with the fast moving digital landscape. We are immensely proud of our achievements, in relation to our innovation, our thought leadership, our industrywide recognition, our demonstrable product differentiation, the diversity of our client base, and the calibre of our partners. For many years we have been the digital heart of a diverse range of fi nancial services providers including Atom Bank, Generali Wealth Management, HRG, Ikano Retail Finance, Lloyds Banking Group and Think Money Group.
    [Show full text]
  • Banking, Electronic Payments and Road Ahead
    H R Khan: Banking, electronic payments and road ahead Special address by Shri H R Khan, Deputy Governor of the Reserve Bank of India, at the FICCI-IBA (Federation of Indian Chambers of Commerce & Industry – Indian Banks’ Association) Conference on “Global Banking: Paradigm Shift”, Mumbai, 25 August 2011. * * * The speaker gratefully acknowledges the assistance provided by Shri. G. Srinivas, General Manager and Shri. Saswat Mahapatra, Asst. General Manager in the preparation of this address. Distinguished Ladies and Gentlemen I am glad to be in your midst today to share my thoughts on “Banking, electronic payments and the road ahead”. In fact the subject of my address very well fits the theme of the conference “Global banking: Paradigm shift” and its emphasis on productivity excellence. I am sure the experts whom you would have heard and interacted with over the last two days would have shared their thoughts on the changes and challenges that banking in India and globally is undergoing and has undergone over these last few momentous years, leading as it were to a paradigm shift in the way banks are doing their business and retaining and increasing their customer base. The basic underlying current that runs through this changing landscape is the ever increasing reliance on technology to cater to the needs of customers and process vast number of transactions including payment transactions. In fact as you all are aware, payment and settlement systems form the backbone of any economy. They are the conduits or the arteries for conducting trade, commerce and other forms of economic activities including remittances in any country.
    [Show full text]
  • 1 BIDDER BEWARE TOWARD a FRAUD-FREE MARKETPLACE – BEST PRACTICES for the ONLINE AUCTION INDUSTRY Paula Selis Anita Ramasastry
    BIDDER BEWARE TOWARD A FRAUD-FREE MARKETPLACE – BEST PRACTICES FOR THE ONLINE AUCTION INDUSTRY Paula Selis* Anita Ramasastry** Charles S. Wright*** Abstract: This report presents to businesses, consumers and government officials (including law enforcement) a “menu of options” for combating fraud in the online auction industry. By directly interviewing several major online auction sites and cataloging the features of other sites, the Washington Attorney General’s Office, in conjunction with the Center for Law Commerce and Technology at the University of Washington Law School, has attempted to identify a series of “best practices” in the online auction industry. The results of these interviews as well as findings from investigation of current practices on the Web are presented here. By identifying the most successful, innovative, and feasible practices, this report seeks to maximize the reach of industry solutions and thereby promote industry-wide self-regulation. Standardization is a powerful tool for eradicating fraud across the industry. However, divergent business models and differing consumer needs mean that there is no one size that fits all models. This report presents a pro-active collaboration between enforcement agencies, industry, and academia. It also suggests a menu of best practices from which users might choose to suit their needs, and invites comment, critique and improvement upon those practices. INTRODUCTION Produced by the Washington State Attorney General’s office and the Center for Law Commerce and Technology at the University of Washington Law School, this report surveys the current range of responses to the problem of online auction fraud. This report presents the results of that survey in the form of a menu of options for businesses and consumers.
    [Show full text]
  • RISL) Procurement
    Draft RFP for Selection201 of System7 Integrator for Rate Contract for establishment of IT Infrastructure for enabling Digital Payments cument History Overview Procurement PolicyRajCOMP Manual for RajCOMP Info Info Services Services Limited Limited Document Title RajCOMP Info Services Limited- Manual on Policies and Procedures for(RISL) Procurement Document Final Status Abstract This documentDraft provides RFP a forbroad Selection framework and ofguidelines System for RajCOMP Integrator Info for Services LimitedRate Staff inContract carrying out various for procurement establishment activities. of IT Infrastructure for enabling Digital Payments based on Open Competitive Bidding through e- Document Publication HistoryProcurement/ e-Tender Date Author Version Remark th 17 February 2011 Dr. S.S. Vaishnava V3 Final Version Distribution Version Name Location Final MD RajComp Info Services Limited RajComp Info Services Limited office, Jaipur Secretary (IT) RajComp Info Services Limited office, Jaipur Table of Contents Page 1 of 95 Draft RFP for Selection of System Integrator for Rate Contract for establishment of IT Infrastructure for enabling Digital Payments TABLE OF CONTENTS ABBREVIATIONS & DEFINITIONS ................................................................................................................................. 6 1. INVITATION FOR BID (IFB)& NOTICE INVITING BID (NIB) ....................................................................................... 9 2. PROJECT PROFILE &BACKGROUND INFORMATION ...........................................................................................
    [Show full text]
  • Mpay Insights 2014 Translating to Transactions
    Process & Research Partners Brought to you by mPay Insights 2014 Translating to Transactions An extract by Banking Frontiers For Private circulation only delegates of mPay Insights 2014 event on 17 September 2014 September 2014 www.deloitte.com/in mPay Insights Synopsis.indd 3 9/16/2014 12:53:57 PM Translating to Transactions mPay Insights Synopsis.indd 4 9/16/2014 12:53:58 PM he Indian economy is poised to overcome the sub-5% growth of gross domestic product (GDP) witnessed over the last two years backed by the strong growth Tin Services Sector. The share of services has been consistently rising; more so since 2004-05. The biggest drivers of the service sector expansion since 2004-05 were banking and communications sectors, the two growth engines of India. Robust growth in these sectors drove the expansion of the services sector even during the global financial crisis as Indian economy witnessed a sharp economic turnaround. Both these sectors are expected to play a pivotal role in India’s growth as Banking provides the required capital and communication forms the infrastructure. Growth of various sector in Indian Economy The unprecedented economic recovery can only be achieved by a non-linear adoption of technology by the banks, delivery agents and the customers themselves. In the recent past, ‘Technology’, has been a key enabler for financial services industry to further the penetration in unbanked and under-banked regions. Key benefits of technology led models for financial inclusion include: Enhanced Reach: New technologies including
    [Show full text]
  • Advance Warning an Introduction to Drop Catching
    2 Advance warning The Initial Coin Offering (“ICO”) project presented by the company DomRaider is an unregulated fundraising operation. It poses several risks to buyers, in particular, that of losing all amounts traded for tokens issued by DomRaider. Only people who are fully aware of these risks should participate in the ICO. Note also that the ICO excludes certain groups of people such as consumers and “U.S. Person” (within the meaning of “Regulation S” of the Securities Act 1933 in U.S. law), Canadian and Singapore citizen”. An introduction to Drop Catching The secondary market for domain names Presently, there are close to 330 million active domain names throughout the world (see: https://investor.verisign.com/releasedetail.cfm?releaseid=1015020). They are divided into approximately 2,500 domain name extensions or TLDs (Top-Level Domains). ICANN (The Internet Corporation for Assigned Names and Numbers), the non- profit regulatory organization, has delegated their management to different registries throughout the world, including: • 300 generic domain name extensions (.com, .net, .org,….) • 260 country code domain name extensions (.cn, .de, .co.uk, .fr,….) • 1,930 new domain name extensions (.club, .xyz, .global,….) created in 2012 by ICANN and launched since 2014. 3 DISTRIBUTION OF THE DOMAIN NAMES IN MILLIONS 400 350 28 11 300 38 4 36 35 250 131 200 127 119 150 100 141 141 124 50 0 2014 2015 2016 ccTLD’s .com Other historical TLD’s nTLD‘S The worldwide market has been driven by new gTLDs (Generic Top-Level Domains: which correspond to extensions such as .com, .net, etc…) wich grew by 6.8% in 2017.
    [Show full text]
  • Defining the Digital Services Landscape for the Middle East
    Defining the Digital Services landscape for the Middle East Defining the Digital Services landscape for the Middle East 1 2 Contents Defining the Digital Services landscape for the Middle East 4 The Digital Services landscape 6 Consumer needs landscape Digital Services landscape Digital ecosystem Digital capital Digital Services Maturity Cycle: Middle East 24 Investing in Digital Services in the Middle East 26 Defining the Digital Services landscape for the Middle East 3 Defining the Digital Services landscape for the Middle East The Middle East is one of the fastest growing emerging markets in the world. As the region becomes more digitally connected, demand for Digital Services and technologies is also becoming more prominent. With the digital economy still in its infancy, it is unclear which global advances in Digital Services and technologies will be adopted by the Middle East and which require local development. In this context, identifying how, where and with whom to work with in this market can be very challenging. In our effort to broaden the discussion, we have prepared this report to define the Digital Services landscape for the Middle East, to help the region’s digital community in understanding and navigating through this complex and ever-changing space. Eng. Ayman Al Bannaw Today, we are witnessing an unprecedented change in the technology, media, and Chairman & CEO telecommunications industries. These changes, driven mainly by consumers, are taking Noortel place at a pace that is causing confusion, disruption and forcing convergence. This has created massive opportunities for Digital Services in the region, which has in turn led to certain industry players entering the space in an incoherent manner, for fear of losing their market share or missing the opportunities at hand.
    [Show full text]
  • Bitcoin and Cryptocurrencies Law Enforcement Investigative Guide
    2018-46528652 Regional Organized Crime Information Center Special Research Report Bitcoin and Cryptocurrencies Law Enforcement Investigative Guide Ref # 8091-4ee9-ae43-3d3759fc46fb 2018-46528652 Regional Organized Crime Information Center Special Research Report Bitcoin and Cryptocurrencies Law Enforcement Investigative Guide verybody’s heard about Bitcoin by now. How the value of this new virtual currency wildly swings with the latest industry news or even rumors. Criminals use Bitcoin for money laundering and other Enefarious activities because they think it can’t be traced and can be used with anonymity. How speculators are making millions dealing in this trend or fad that seems more like fanciful digital technology than real paper money or currency. Some critics call Bitcoin a scam in and of itself, a new high-tech vehicle for bilking the masses. But what are the facts? What exactly is Bitcoin and how is it regulated? How can criminal investigators track its usage and use transactions as evidence of money laundering or other financial crimes? Is Bitcoin itself fraudulent? Ref # 8091-4ee9-ae43-3d3759fc46fb 2018-46528652 Bitcoin Basics Law Enforcement Needs to Know About Cryptocurrencies aw enforcement will need to gain at least a basic Bitcoins was determined by its creator (a person Lunderstanding of cyptocurrencies because or entity known only as Satoshi Nakamoto) and criminals are using cryptocurrencies to launder money is controlled by its inherent formula or algorithm. and make transactions contrary to law, many of them The total possible number of Bitcoins is 21 million, believing that cryptocurrencies cannot be tracked or estimated to be reached in the year 2140.
    [Show full text]
  • Legal and Regulatory Issues Surrounding the Bitcoin Digital Currency System
    Louisiana Law Review Volume 73 Number 4 Summer 2013 Article 9 8-1-2013 The Nature of the Form: Legal and Regulatory Issues Surrounding the Bitcoin Digital Currency System Joshua J. Doguet Follow this and additional works at: https://digitalcommons.law.lsu.edu/lalrev Part of the Law Commons Repository Citation Joshua J. Doguet, The Nature of the Form: Legal and Regulatory Issues Surrounding the Bitcoin Digital Currency System, 73 La. L. Rev. (2013) Available at: https://digitalcommons.law.lsu.edu/lalrev/vol73/iss4/9 This Comment is brought to you for free and open access by the Law Reviews and Journals at LSU Law Digital Commons. It has been accepted for inclusion in Louisiana Law Review by an authorized editor of LSU Law Digital Commons. For more information, please contact [email protected]. The Nature of the Form: Legal and Regulatory Issues Surrounding the Bitcoin Digital Currency System We are at the beginning of a mighty struggle for control of the Internet—the web links everything and very soon it will mediate most human activity—because the Internet has fashioned a new and complicated environment for an age-old dilemma that pits the 1 demands of security with the desire for freedom. INTRODUCTION Technology experts have described Bitcoin as a “masterpiece of technology”—a work of genius on par with the Mona Lisa.2 Its beauty, though, is not outwardly apparent but instead lies at the heart of its design. Bitcoin is a digital currency system created to facilitate Internet commerce. It does this by using digital signatures and peer- to-peer technology to curtail the system’s need for trusted third parties, such as financial intermediaries and central banks.3 Bitcoin’s architecture gives it several advantages over alternative payment systems: transaction costs are lower, privacy is enhanced, and inflationary pressures within the system should be reduced.4 “Currency .
    [Show full text]
  • Blockchain for Dummies® Published By: John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774
    Blockchain Blockchain by Tiana Laurence Blockchain For Dummies® Published by: John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774, www.wiley.com Copyright © 2017 by John Wiley & Sons, Inc., Hoboken, New Jersey Published simultaneously in Canada No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/ permissions. Trademarks: Wiley, For Dummies, the Dummies Man logo, Dummies.com, Making Everything Easier, and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and may not be used without written permission. All other trademarks are the property of their respective owners. John Wiley & Sons, Inc. is not associated with any product or vendor mentioned in this book. LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: THE PUBLISHER AND THE AUTHOR MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE CONTENTS OF THIS WORK AND SPECIFICALLY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY MAY BE CREATED OR EXTENDED BY SALES OR PROMOTIONAL MATERIALS. THE ADVICE AND STRATEGIES CONTAINED HEREIN MAY NOT BE SUITABLE FOR EVERY SITUATION. THIS WORK IS SOLD WITH THE UNDERSTANDING THAT THE PUBLISHER IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES.
    [Show full text]
  • E-Commerce: New Forms of Work for Wealth Creation in Zimbabwe Walter
    International Journal of scientific research and management (IJSRM) ||Volume||3||Issue||2||Pages|| 2097-2102||2015|| Website: www.ijsrm.in ISSN (e): 2321-3418 E-commerce: new forms of work for wealth creation in Zimbabwe Walter. T. Mambodza1, David. I. Fadaraliki2, Shepard Chifamba3, Tendai Marengereke4, Robert Shoniwa5 1,2,3,4,5SRM University, Department of Information Technology Kattankulathur, Kanchipuram, National Highway 45, Potheri, Tamil Nadu 603203, India [email protected] [email protected] [email protected] [email protected] 5 [email protected] Abstract: In the present scenario of the technological world, business is being conducted locally and internationally using electronic means with ease. E-commerce has provided new forms of work in various sectors such as transport, warehousing, insurance, banking, mining, agriculture and communication .However, it is difficult to purchase a product or service online. E- commerce compromises privacy and consumers tend to lose confidence. This paper will highlight the new forms of work in Ecommerce in Zimbabwe. Keywords: Ecommerce, privacy, security, spam 1. Introduction or not it is worth to invest in. The adoption of e-commerce The World Wide Web has enabled the buying and selling of in Zimbabwe is dependent on multiple factors that all need goods and services to be conducted using electronic means to be considered but the advancement in technology [1] will such as Computers, laptops, PDAs, computer networks, definitely make it possible. tablets and mobile or smartphones. Ecommerce has embraced the technology and made life easier for the This article shows how to find best daily deals on online customer, retailer and supplier.
    [Show full text]
  • Middle East and Africa Online Payment Methods 2019 Publication Date: February 2019
    MIDDLE EAST AND AFRICA ONLINE PAYMENT METHODS 2019 PUBLICATION DATE: FEBRUARY 2019 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-6 TABLE OF CONTENTS I PAGE 7 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 8 METHODOLOGY I PAGE 9 RELATED REPORTS I PAGE 10 CLIENTS I PAGE 11-12 FREQUENTLY ASKED QUESTIONS PAGE 13 ORDER FORM I PAGE 14 TERMS AND CONDITIONS MIDDLE EAST AND AFRICA ONLINE PAYMENT METHODS 2019 PRODUCT DETAILS Title: Middle East and Africa Online Payment Methods 2019 Type of Product: Report Category: Online Payment Covered Regions: Middle East, Africa Covered Countries: UAE, Saudi Arabia, Israel, Morocco, Lebanon, Bahrain, South Africa, Egypt, Nigeria, Kenya, Tunisia, Namibia, Uganda Language: English Formats: PDF & PowerPoint Number of Charts: 87 PRICES* Single User License: € 1,950 (exc. VAT) Site License: € 2,925 (exc. VAT) Global Site License: € 3,900 (exc. VAT) We occasionally offer a discount on selected reports as newer reports are published. Please see the most up-to-date pricing on our website www.ystats.com. QUESTIONS What are the major digital payment trends in the Middle East and Africa? ANSWERED How do payment method preferences of online shoppers vary between countries? How high is the share of digital buyers using cash on delivery in various countries of the Middle IN THIS REPORT East and Africa? Which barriers prevent consumers from using online payments? What is the projected growth of mobile payments in the Middle East and Africa by 2022? SECONDARY MARKET Our reports are exclusively based on secondary market research. Our researchers derive RESEARCH information and data from a variety of reliable published sources and compile the data into understandable and easy-to-use formats.
    [Show full text]