Traditional and alternative internet payment systems: the merchant perspective

Ally, Mustafa ORCID: and Toleman, Mark ORCID: and Cater-Steel, Aileen (2010) Traditional and alternative internet payment systems: the merchant perspective. In: 5th International Conference on Qualitative Research in IT & IT in Qualitative Research: The Traditions and Innovations of Qualitative Approaches in ICT Research (QualIT 2010), 29-30 Nov 2010, Brisbane, Australia.

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With increasingly powerful information and communications technologies, alternatives to traditional payments processes are emerging which promise not only convenience but improved value at lower cost. New payment methods enable merchants and businesses to realise the potential economic gains from shifting to more efficient electronic payments such as improved cash flow efficiencies, reduced costs and protection from fraud. This paper examines the influences and challenges associated with the evaluation and selection of methods for paying for goods and services by online merchants, specifically within the context of traditional and alternative payment methods and the Internet environment. Using a qualitative approach, representatives from five Australian online businesses were interviewed to (1) provide a snapshot of the payments landscape from a merchant perspective and (2) identify competing and conflicting requirements of merchants and their customers with respect to the use of payment methods. In view of the sensitive nature of the subject matter, particularly with regard to the issues of fraud, security, chargebacks and transaction volumes, a case study approach was considered to be more appropriate and effective. The findings suggest that merchants need to keep abreast of and adapt to changes in the payment field while taking cognisance of the changing patterns in consumer payment behaviour and the need to engender trust and confidence in the payment process.

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Item Type: Conference or Workshop Item (Commonwealth Reporting Category E) (Paper)
Refereed: Yes
Item Status: Live Archive
Additional Information: Copyright the authors and QualIT.
Faculty/School / Institute/Centre: Historic - Faculty of Business - School of Information Systems (1 Apr 2007 - 31 Dec 2010)
Faculty/School / Institute/Centre: Historic - Faculty of Business - School of Information Systems (1 Apr 2007 - 31 Dec 2010)
Date Deposited: 18 Jan 2011 00:21
Last Modified: 11 Sep 2014 01:48
Uncontrolled Keywords: internet payment systems, e-Commerce, online payments, Internet shopping
Fields of Research (2008): 08 Information and Computing Sciences > 0806 Information Systems > 080699 Information Systems not elsewhere classified
Fields of Research (2020): 46 INFORMATION AND COMPUTING SCIENCES > 4609 Information systems > 460999 Information systems not elsewhere classified
Socio-Economic Objectives (2008): E Expanding Knowledge > 97 Expanding Knowledge > 970108 Expanding Knowledge in the Information and Computing Sciences

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