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Subjective security is intangible, based on the user's feelings and perception towards security (trust). The Technology Acceptance Model (TAM) was the theoretical model used in the study. About three hundred responses were collected using an online questionnaire. The study showed that despite the financial crisis banks are still the preferred providers for mobile payment services, where over 80% of the respondents would like to receive the service from a bank. In contrast, only 20% would like to receive such a service from a mobile phone producer. Additionally objective security does not substantially increase subjective security; hence the user trusts the provider rather than the technology itself.<\/p>","DOI":"10.4018\/ijesma.2014040104","type":"journal-article","created":{"date-parts":[[2014,9,29]],"date-time":"2014-09-29T10:45:38Z","timestamp":1411987538000},"page":"37-66","source":"Crossref","is-referenced-by-count":7,"title":["User Acceptance and Mobile Payment Security"],"prefix":"10.4018","volume":"6","author":[{"given":"Florian","family":"Urmetzer","sequence":"first","affiliation":[{"name":"University of Cambridge, Cambridge, UK"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Isabelle","family":"Walinski","sequence":"additional","affiliation":[{"name":"Thomas Cook AG, Oberursel, Germany"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"2432","reference":[{"key":"ijesma.2014040104-0","doi-asserted-by":"publisher","DOI":"10.4018\/jesma.2013070103"},{"key":"ijesma.2014040104-1","first-page":"52","article-title":"Mobile payments - reloaded, New regulation opens doors","volume":"3\/2008","author":"G.Andreoli","year":"2008","journal-title":"Ericsson Business Review, No."},{"issue":"4","key":"ijesma.2014040104-2","doi-asserted-by":"crossref","first-page":"689","DOI":"10.2307\/25750701","article-title":"The other side of acceptance: Studying the direct and indirect effects of emotions on information technology use.","volume":"34","author":"A.Beaudry","year":"2010","journal-title":"Management Information Systems Quarterly"},{"key":"ijesma.2014040104-3","unstructured":"Bregulla, C. 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