Ubiquitous and pervasive computing is fundamentally transforming product categories such as music, movies, and books and the associated practices of product searching, ordering, and buying. This paper contributes to theory and practice of digital payments by conducting a design science inquiry into the mobile phone wallet (m-wallet). Four different user groups, including young teenagers, young adults, mothers and businessmen, have been involved in the process of identifying, developing and evaluating functional and design properties of m-wallets. Interviews and formative usability evaluations provided data for the construction of a conceptual model in the form of sketches followed by a functional model in the form of low-fidelity mockups. During the design phases, knowledge was gained on what properties the users would like the m-wallet to embody. The identified properties have been clustered as 'Functional properties' and 'Design properties', which are theoretical contributions to the on-going research on m-wallets. One of the findings from our design science inquiry into m-wallets is that everyday life contexts require that evaluation criteria have to be expanded beyond "functionality, completeness, consistency, accuracy, performance, reliability, usability, fit with the organization, and other relevant quality attributes" [12] that are used within current design science work.
Olsen, at al. REF , who interviewed a variety of mobile payment users, argue that "evaluation criteria [for mobile payment] have to be expanded beyond 'functionality, completeness, consistency, accuracy, performance, reliability, usability, fit with the organization, and other relevant quality attributes' that are used within current design work."
Designing digital payment artifacts
ICEC '12
Computer Science