Plenary Lecture

Mobile Payments: Past, Present and Future

Professor Zeljko Panian
Faculty of Economics and Business
University of Zagreb
Croatia
E-mail: zpanian@efzg.hr

Abstract: Mobile Banking and Payment systems are developing at a very fast pace. The first solutions of this kind are evidenced in 1997, and from that time until nowadays they have undergone a long evolutionary path. From today's point of view we can recognize three phases of MPayment evolution:
• Phase 1 – Short messaging-based payment
• Phase 2 – Payment using mobile Internet browser
• Phase 3 – Downloadable application-based payment
Each of those phases is interesting for some reason andfundamentally innovative.Each of them establishes a new type of relationship between bank or other payment service provider and their customers and therefore needs a new type of CRM to be developed, but also imposes new, always more dangereous threats and bigger worries.
As we can expect, the MPaymentdevelopment process will not stop here. The future of in this field brings, of course, new solutions and opportunities, and probably new challenges and uncertainties, too. As far as we can see from actualviewpoint, perhaps some of the four scenarios for future MPayments will be effectuated. Popularly appointed, those scenarios could maybe be:
• Credit carriers domination
• MPayments for the people
• MPayments … if we have to
• New dogs, old tricks
Each of the phases of the MPayments evolution, as well as the possible future development trends will be systematically examined and explained.

Brief Biography of the Speaker: Prof. dr. sc. Zeljko Panian was born in 1951 in Zagreb, the capitol of the Republic of Croatia.He made his faculty diploma, master thesis and Ph.D. at the University of Zagreb. Until today, the whole of his working age he spent at the Faculty of Economics and Business in Zagreb, where he is also today engaged as a full professor in permanent vocation. He is lecturing at university and professional graduate, post-graduate and doctoral studies.
ZeljkoPanian is leading a scientific and specialists post-graduate study in Information Management for 16 generation of students. He is lecturing on two subjects – E-Business and Business Intelligence. He also lectured at about twenty other different post-graduate and doctoral studies in Croatia (Faculty of Economics and Business in Zagreb, Faculty of Economics in Split, Faculty of Mechanical Engineering in Zagreb, Faculty of Civil Engineering in Zagreb, Faculty of Organization and Informatics in Varazdin, Faculty of Humanities in Zagreb, Faculty of Humanities in Zadar) and neighboring countries (Faculty of Economics in Sarajevo and Faculty of Economics in Mostar, Bosnia and Herzegovina, as well as Faculty of Economics and Business in Maribor, Slovenia).
As a visiting professor he lectured at People’s University in Beijing, China, Faculty of Naval Engineering in Athens (Greece) and Florida State University (USA). Z. Panian was a referee, session chair and workshop organizer and leader at 82 international conferences all-over the World.
Professor Panian is author of 34 domestic books and co-author of 7 international and 12 domestic books. He published more than hundred scientific and professional papers in different conventional and electronic journals and magazines. He conducted about and was the head of 15 scientific projects.

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