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Systematic survey of mobile payments, protocols, and security infrastructure

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Abstract

Mobile payments makeup one of the fastest-growing mobile services available today and are widely used by smartphones for utility payments, bill payments, and online shopping, among other applications. Mobile payments are playing a vital role in the fast growth of online markets and are revolutionizing the supply chain of businesses and industries. Mobile payments are becoming dominant compared to conventional off-line mode payment channels and online e-channels such as ATM, e-cheque, and e-card payments. The success of e-business depends on several factors, including the type of mobile payment channel used, the associated security infrastructure, the stakeholders involved, and the m-business models adopted. In this paper, we present a systematic literature review (SLR) of mobile payments and characterize the state-of-the-art research conducted in this area, covering articles published during the past two decades, from 2000 to 2020. Following the SLR process, we examined over 350 research papers with a comprehensive and detailed inspection of the mobile payment domain’s literature. Based on the analysis, we present the trends, patterns, new technologies, innovations, gaps in the existing literature, and critical challenges. The recommendations given will help identify the primary areas requiring advancement in future research on mobile payment systems.

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Notes

  1. https://www.statista.com/statistics/279957/number-of-mobile-payment-users-by-region/.

  2. https://www.statista.com/statistics/244381/global-mobile-payments-market-share-forecast-by-usage/.

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  1. Department of Computer Science and Engineering, School of Engineering and Applied Sciences (SEAS), SRM University-AP, Amaravati, Andhra Pradesh, 522503, India

    Sriramulu Bojjagani

  2. Center for Mobile Banking (CMB), Institute for Development and Research in Banking Technology (IDRBT), Hyderabad, Telangana, 500057, India

    Sriramulu Bojjagani & V. N. Sastry

  3. College of Computer Science and Engineering, Shandong University of Science and Technology, Shandong, China

    Chien-Ming Chen

  4. Department of Mathematics, Chaudhary Charan Singh University, Meerut, Uttar Pradesh, 250004, India

    Saru Kumari

  5. Center of Excellence in Information Assurance, King Saud University, Riyadh, 12372, Saudi Arabia

    Muhammad Khurram Khan

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Bojjagani, S., Sastry, V.N., Chen, CM. et al. Systematic survey of mobile payments, protocols, and security infrastructure. J Ambient Intell Human Comput 14, 609–654 (2023). https://doi.org/10.1007/s12652-021-03316-4

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