Gartner Research

Mobile Payments Are Not a Top Priority for Consumers

Published: 11 January 2013

ID: G00247127

Analyst(s): Miriam Burt


Consumers use mobile phones more for information or research than for transactional functions. Tier 1 multichannel retailers must realize that, until consumers' security concerns are addressed, most payment transactions will be conducted in store, by traditional associate-led methods of check-out.

Table Of Contents
  • Impacts


  • Mobile Payments Through Consumers' Own Mobile Devices Are Not a Top Priority in Their Shopping Process

Impacts and Recommendations

  • Customers' preferences on how they want to use their mobile phones in the shopping process are causing retailers to rethink their technology investments in mobile commerce functionality
  • Customers' willingness to make their final payment transactions for cross-channel purchases in store will drive investment in in-store, associate-led mobile check-out technology
  • Retailers that make NFC-based mobile contactless payments a top investment priority, without addressing consumers' rising concerns on mobile payment security, will be making a costly mistake

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