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dc.contributor.authorCrowe, Marianneen
dc.contributor.authorRysman, Marcen
dc.contributor.authorStavins, Joannaen
dc.date.accessioned2010-10-01-
dc.date.accessioned2012-06-20T16:08:47Z-
dc.date.available2012-06-20T16:08:47Z-
dc.date.issued2010-
dc.identifier.urihttp://hdl.handle.net/10419/59201-
dc.description.abstractAlthough mobile payments are increasingly used in some countries, they have not been adopted widely in the United States so far, despite their potential to add value for consumers and streamline the payments system. After describing a few countries' experiences, we analyze the prospects for the U.S. market for mobile payments in retail payments, particularly the use of contactless and near-field communication technologies. We identify conditions that have facilitated some success in other countries and barriers to the adoption of mobile payments in the United States. On the demand side, consumers and merchants are well served by the current card system, and face a low expected benefit-cost ratio, at least in the short run. On the supply side, low market concentration and strong competitive forces of banks and mobile carriers make coordination of standards difficult. Furthermore, mobile payments are characterized by a network effects problem: consumers will not demand them until they know that enough merchants accept them, and merchants will not implement the technology until a critical mass of consumers justifies the cost of doing so. We present some policy recommendations that the Federal Reserve should consider.en
dc.language.isoengen
dc.publisher|aFederal Reserve Bank of Boston |cBoston, MAen
dc.relation.ispartofseries|aPublic Policy Discussion Papers |x10-2en
dc.subject.jelG21en
dc.subject.jelL15en
dc.subject.jelO33en
dc.subject.ddc330en
dc.subject.stwBargeldloser Zahlungsverkehren
dc.subject.stwMobiltelefonen
dc.subject.stwFacheinzelhandelen
dc.subject.stwUSAen
dc.titleMobile payments in the United States at retail point of sale: Current market and future prospects-
dc.typeWorking Paperen
dc.identifier.ppn635923211en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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