NDLI: The role of banks in the mobile payment ecosystem: a strategic asset perspective

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The role of banks in the mobile payment ecosystem: a strategic asset perspective

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The role of banks in the mobile payment ecosystem: a strategic asset perspective

Content Provider	ACM Digital Library
Author	Ondrus, Jan Gaur, Aakanksha
Abstract	Markets in developed countries have witnessed the launch of a number of mobile payment initiatives over the last years. Even though the emergence of mobile payments may still hold high promises, most of these initiatives have seen stagnation or failure. Traditionally, dominant firms from various industries had to negotiate the exchange of their complementary resources and capabilities in order to provide a mobile payment platform. Indeed, significant efforts have been made to design a satisfying business model to enhance this essential collaboration. However, the struggle for these inter-dependent firms to form coalitions just hindered the emergence of successful mobile payment platforms. As firms have difficulties to self-orchestrate their efforts to shape sustainable ecosystems, different industry architectures solving the inter-dependency issue remain to be investigated. In certain architectures, the importance of the banks' role has been questioned. This paper takes a resource-based view on banks to explore how resources/capabilities bestow upon banks a competitive advantage in the mobile payment ecosystem. The analysis leads to the identification of strategic assets, owing to which it can be argued that the banks still have an essential role to play in the industry architecture.
Starting Page	171
Ending Page	177
Page Count	7
File Format	PDF
ISBN	9781450311977
DOI	10.1145/2346536.2346570
Language	English
Publisher	Association for Computing Machinery (ACM)
Publisher Date	2012-08-07
Publisher Place	New York
Access Restriction	Subscribed
Subject Keyword	Mobile payments Resource-based view Strategic assets
Content Type	Text
Resource Type	Article

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