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Mobile Payments and Interoperability: Insights from the Academic Literature

Milo Bianchi, Matthieu Bouvard, Renato Gomes, Andrew Rhodes () and Vatsala Shreeti

No 21-1279, TSE Working Papers from Toulouse School of Economics (TSE)

Abstract: We connect various streams of academic literature to shed light on how the degree of interoperability in mobile payments affects market outcomes and welfare. We organize our discussion around four dimensions of interoperability. First, we consider mobile network interoperability (whether clients of one telecom can access another telecom’s payment services) in connection with the IO literature on tying. Second, we discuss platform level interoperability (the ability to send money offnetwork) in light of the literature on compatibility. We also build on the behavioral IO literature to suggest how the effects of interoperability may be very heterogeneous across various types of firms and consumers, or even backfire. Third, we consider interoperability in the cash-in-cash-out agent network, in light of the literature on co-investment in network industries, and of more specific studies on ATMs’ interoperability. Fourth, we discuss how the literature in banking and on data ownership can be used to understand interoperability of data. We conclude with some broader remarks on policy implications and on possible directions for future research.

Keywords: Mobile Payments, Interoperability, Financial Inclusion, Competition; Policy. (search for similar items in EconPapers)
JEL-codes: G23 G28 L51 L96 O16 (search for similar items in EconPapers)
Date: 2021-12-21, Revised 2023-11
New Economics Papers: this item is included in nep-ban, nep-com, nep-fle, nep-pay and nep-reg
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Journal Article: Mobile payments and interoperability: Insights from the academic literature (2023) Downloads
Working Paper: Mobile payments and interoperability: Insights from the academic literature (2023) Downloads
Working Paper: Mobile Payments and Interoperability: Insights from the Academic Literature (2022) Downloads
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