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An exploratory approach is deployed through semi-structured interviews to provide insights into experience design considerations utilising sensory elements and risk perception, a combination which has thus far received little attention. Research participants consist of senior managers that work for companies that create, facilitate, or accept mobile payment apps or processes. A conceptual framework is proposed with design as a starting point, including aesthetics and the need for a simplified experience, along with sensory elements that replicate familiar visual, audio, and haptic stimuli. These lead to a more usable experience that is perceived as easy to use through a frictionless experience. Usefulness is increased as exposure increases, and new app or process features can be added once prior features become familiar through repeated use. Key trade-offs include a simplified experience versus feature-rich experience, and frictionless experiences versus security risks, with key practical suggestions on how these can be approached.<\/jats:p>","DOI":"10.1007\/s10660-024-09835-4","type":"journal-article","created":{"date-parts":[[2024,4,14]],"date-time":"2024-04-14T23:26:45Z","timestamp":1713137205000},"page":"3927-3948","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":5,"title":["Risk of desirable user experiences: insights from those who create, facilitate and accept mobile payments"],"prefix":"10.1007","volume":"25","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-4137-4415","authenticated-orcid":false,"given":"Martin","family":"Mahler","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Andrew","family":"Murphy","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","published-online":{"date-parts":[[2024,4,15]]},"reference":[{"key":"9835_CR1","volume-title":"Urban mobility and the smartphone: Transportation, travel behavior and public policy","author":"A Aguilera","year":"2018","unstructured":"Aguilera, A., & Boutueil, V. 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