ABSTRACT

Technological advancement has fueled various new mobile payment (m-payment) services, which transform the payment industry and help develop established and newly created tourism businesses. However, in emerging markets, users who adopt m-payment services are rare – slowing down the tourism sector’s development. In this paper, taking a multi-stakeholder theoretical perspective on technology adoption, we examine the company-, customer- and country-level drivers and consequences of adopting m-payment services among small and medium-sized enterprises (SMEs) in the Rwandan tourism sector. Our analysis leads to recommendations for m-payment services as levers of tourism sector growth and welfare in emerging countries.

摘要

技术进步推动了各种新的移动支付 (m-payment) 服务，这些服务改变了支付行业，并有助于发展已建立和新创建的旅游业务。然而，在新兴市场，采用移动支付服务的用户却很少，拖慢了旅游业的发展。在本文中，我们从技术采用的多利益相关者理论视角，研究了卢旺达旅游业中中小企业（SME）采用移动支付服务的公司、客户和国家层面的驱动因素和后果部门。我们的分析提出了将移动支付服务作为新兴国家旅游业增长和福利的杠杆的建议。