Consumer perceptions of mobile and traditional Point-Of-Sale credit/debit card systems in the United States: A survey

Academic Article


  • © 2016 International Journal of Cyber Criminology (IJCC). In recent years, rapidly emerging technology has introduced mobile Point-Of-Sale (MPOS) systems to the North American market. These systems allow merchants to process transactions conveniently and quickly using mobile phones or tablets rather than "traditional" point-of-sale (TPOS) credit card-processing systems. However, the long-term success of these new payment systems relies on consumers perceiving the device to be secure, accurate, and free from criminal activity. We present a case vs. control clustered field study that evaluated consumers' impressions of the security, trust and convenience of mobile (MPOS) versus traditional (TPOS) readers. Consumers were recruited from a local sandwich shop (MPOS) and an ice cream shop (TPOS) and surveyed about their perceptions of the devices immediately after completing transactions using their credit/debit cards. Implications for consumers and industry, including prevention of cyber crime, are discussed.
  • Digital Object Identifier (doi)

    Author List

  • Saxena N; Sloan JJ; Godbole M; Cai JYJ; Georgescu M; Harper ON; Schwebel DC
  • Start Page

  • 162
  • End Page

  • 172
  • Volume

  • 9
  • Issue

  • 2