A disruption analysis in the mobile payment market

Mobile payments are predicted to have a bright future as m-commerce becomes more popular. However, this promis-ing application has not been as successful as anticipated. This can be partially explained by the infancy of the market and a lack of standards. Moreover, technological and busi-ness issues create a market uncertainty that mobile network operators and financial institutions have difficulties manag-ing. Thus, the evolution of the mobile payment market is subject to many speculative scenarios. This paper analyzes two possible disruptions of the mobile payment market.