Unit:
Κατεύθυνση Διοικητική Επιχειρήσεων και ΤραπεζώνLibrary of the Faculty of Economics and of the Faculty of Business Administration
Supervisors info:
Νικόλαος Δασκαλάκης, Επίκουρος Καθηγητής Χρηματοοικονομικής και Λογιστικής, Πάντειο Πανεπιστήμιο
Original Title:
Εναλλακτικοί μέθοδοι πληρωμών στο Ελληνικό ΄΄fintech΄΄ οικοσύστημα. Οι καινοτομίες της νέας ψηφιακής εποχής και η αντίδραση του Ελληνικού καταναλωτικού κοινού.
Translated title:
Alternative payment methods in the Greek "fintech" ecosystem. The innovations of the new digital era and the reaction of Greek consumers..
Summary:
The rapid development of technology has led to many changes in our daily lives. One of these changes is the global trend of consumers in recent years to make payments through their mobile devices (mobile payments). This particular service is the focus of many companies in all over the world, trying to give the user the value he seeks through such a process. Mobile payments as an alternative to the use of cash, checks and cards have many benefits for providers, consumers and recipients of payments.
The future potential development of this service is large and for this reason consumer behavior is the subject of study and the key to success. At the research level, the focus is on determining the factors that affect consumers' intention to accept and make payments through their mobile devices. This study is an attempt to record and understand the factors that affect (negatively or positively) Greek consumers. For this reason, through secondary research in the literature, a variation of the TAM model (technology acceptance model) was applied to this research and thus the main factors of influence that are the main elements of the research tool were derived.
The research tool of the primary research is a questionnaire consisting of twenty-two (22) questions and answered by one hundred and thirty-two (132) people. The results were analyzed using both excel and IBM's SPSS tool.
The conclusions drawn briefly are that perceptual utility, perceptual ease of use, perceptible confidence, perceptible security, self - efficacy and perceptible reliability are factors of positive influence on the intention to use. Perceived costs are not a deterrent to consumers, while risk is a factor that affects and concerns the consumer public. The social influence does not affect the public in the intention to use mobile payments and finally the attitude towards technology gives impetus to mobile payments and their intense realization.
Main subject category:
Technology - Computer science
Keywords:
Fintech, mobile payments, alternative payments methods, mobile wallets, technology acceptance model
