Vrste percipiranog rizika kod korištenja usluga mobilnog plaćanja

master's thesis

• Title (english): Types of perceived risks associated with the usage of mobile payment system
• Author: Jasmin Vakufac
• Mentor: Vatroslav Škare (mentor)
• Committee member: Đurđana Ozretić Došen (predsjednik povjerenstva)
• Committee member: Sunčana Piri Rajh (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2019-09-19, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Razvoj tehnologije je poduzećima omogućio drugačiji pristup poslovanju, dok je potrošačima omogućeno novo iskustvo kupovine i plaćanja proizvoda. Današnji trend poslovanja zahtijeva brze i efikasne reakcije poduzeća na sve zahtjevnije potrebe potrošača, što je u konačnici dovelo do pojave novih oblika plaćanja proizvoda i usluga u digitalnom okruženju. Posljednjih godina prisutan je porast korištenja mobilnih telefona u različite svrhe poput pretraživanja informacija, kupovine proizvoda, gledanja video-sadržaja i slično. Potrošačima je danas putem mobilnih telefona omogućeno brže i jednostavnije odvijanje procesa plaćanja korištenjem usluga za mobilno plaćanje. Međutim, kada je riječ o uslugama mobilnog plaćanja, neizbježna je prisutnost rizika koji zbog svoje specifičnosti može utjecati na donošenje odluke o načinu plaćanja.
Cilj rada je utvrditi dominantnu vrstu rizika kod korištenja usluga mobilnog plaćanja, ali i dominantnu vrstu rizika kod ispitanika koji se ne koriste uslugama mobilnih plaćanja te utvrditi postoje li razlike u odnosu na ispitanike koji se koriste mobilnim plaćanjima.
Podaci su prikupljeni metodom online anketiranja, a rezultati istraživanja pokazuju da ispitanici koji se koriste mobilnim plaćanjima uglavnom imaju nisku razinu percepcije pojedinih vrsta rizika, dok ispitanici koji se ne koriste mobilnim plaćanjima imaju viši ali umjeren percipirani rizik.

Abstract (english)

Technology development has provided companies with different approaches when it comes to conducting their business, while giving consumers a new purchase and product payment experience. Nowadays, business trends require companies to quickly and efficiently react to growing consumers' needs, which led to the emergence of new types of payment for products and services in digital environment. In the recent years, the increase in the mobile usage for different purposes is evident, such as information search, product purchase, viewing video content and other. Nowadays, consumers can take advantage of the faster and simpler payment process by using mobile payment services. However, speaking of mobile payment services, a certain amount of risk is inevitable which, because of its specifitiy, can then affect the payment choice.
The aim of this paper is to determine the dominant type of perceived risk associated with the usage of mobile payment system, while also to determine the dominant type of perceived risk among the respondents who do not use the mobile payment system, and compare the possible differences with respondents who use the mobile payment system.
The research was conducted through an online questionnaire and the results of the research indicate that consumers that are using mobile payment system have a low level of perceived risk for each type of risk. On the other hand, consumers that are not using the mobile payment system have a higher but moderate level of perceived risk.

• Keywords: percipirani rizik; mobilno plaćanje; mobilni uređaj; usluga mobilnog plaćanja
• Keywords (english): perceived risk; mobile payment; mobile device; mobile payment service
• Language: croatian
• URN:NBN: urn:nbn:hr:148:084679
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2019-09-22 14:07:02