Dankort app - a future payment solution? A socio-technical case-study of a mobile payment solution provided by Nets to the Danish consumers: A socio-technical case-study of a mobile payment solution provided by Nets to the Danish consumers

Obbekjær, Nana ; Hansen, Rikke Bøggild

4. term

Techno-Anthropology, Master

2019

2019-06-06

85 pages

Dette speciale fokuserer på hvordan danske forbrugere, med særligt fokus på Dankort app’s brugere oplever den udvikling der konstant kan ses på det danske betalingsmarked. Der er et utal af betalingsmuligheder for de danske forbrugere, og i dette speciale vil vi præsentere, analysere og diskutere hvordan Dankort app’s brugere oplever at deres betalingspraksis ændre sig. Nets har taget kampen op mod deres konkurrenter og det konstante pres på nye, nemme og mere digitale tiltag og har derfor udviklet Dankort app til deres danske kunder. Dankort app har gjort det muligt for de danske forbrugere at betale med deres smartphones i mange butikker og supermarkeder. Ifølge Nets vil de blive ved at udvikle deres produkter, så de kan bibeholde deres status som Danskernes foretrukne betalingsmiddel. I dette speciale vil der ligeledes blive præsenteret, hvilke udfordringer Nets er stødt ind i under implementeringsprocessen og vi vil komme med vores bud på hvorfor disse udfordringer er opstået. Specialet er endt ud i at have to formål, undervejs vil der blive besvaret på den overordnede problemformulering, men vi har samtidig ønsket at bidrage til den eksisterende litteratur omkring mobilbetaling. I litteraturen har vi bemærket en stort videnshul, hvorfor vi vil komme med vores bidrag til hvordan man også kan studere betaling praksissen med inspiration fra praksisteori, Technology and Acceptance Model (TAM) og Diffusion and Innovation (DOI).

This thesis focuses on how Dankort app's users experience the development, which consistently is to be found on the Danish payment market. There is a myriad of payment options for Danish consumers, and in this thesis, we will present, analyse and discuss how Dankort app's users experience that their payment practices change. Nets have competed against their competitors and the constant pressure on new, easy and more digital initiatives and have therefore developed the Dankort app for their Danish consumers. Dankort app has made it possible for Danish consumers to pay with their smartphones in many stores and supermarkets. According to Nets, they will continue to develop their products so that they can maintain their status as the Danish people preferred means of payment. This thesis will also present the challenges that Nets has encountered during the implementation process, and we will make our offer of why these challenges have arisen. The thesis has ended in having two purposes, along the way will be answered on the overall problem formulation, but the intention is also to contribute to the existing literature on mobile payment, namely in a Danish context. In the literature, we have noticed a significant knowledge gap, why we again intend to contribute to how one can also study the payment practice with inspiration from practice theory and constructs from TAM and DOI.

Dankort app ; mobilbetaling

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