While few would question the customer-friendliness of mobile payments at the point of sale, it is not clear how economically valuable this functionality is.

At present, UK customers do not pay explicit fees for payments made using cards or cash, while retailers are campaigning to reduce what they see as their excessive contributions to the current payment system. The introduction of new or increased tariffs on individual mobile transactions would run counter to prevailing trends.

Banks or mobile operators may require more imaginative strategies for generating a positive return on investment in m-payments at the point of sale. This research looks closely at what those strategies could be.

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