درک سیستم های تجارت سیار پرداخت از طریق فرآیند تحلیل سلسله مراتبی

The paper employs the analytic hierarchy process (AHP), a quantitative method of decision-making, to evaluate the performance of four e-payment systems: the credit card, the stored-value card, the smart card, and the telecommunication bill. The results show that the stored-value card has the highest performance among the four options considered. Our findings also suggest that a payment alternative, such as the credit card, can be flawed technologically but can still become the de facto e-payment scheme due to the advantage of an established customer base. This leads us to suggest that multiple usages be added to e-payment systems with higher economic/social merits so that they can gain a critical customer base. Users will benefit as technologically more capable e-payments are widely adopted for online commerce.