References (15)



Define an Economic Model for Electronic Wallet

Jean-Michel Sahut

IPAG Business School


La Revue du Financier, No.163, Janv-Fev 2007

The erratic development of electronic wallets (EW) shows the difficulties of their adoption by the general public and shopkeepers. With the exception of Proton in Europe and Octopus in Asia, a lot of electronic wallets are likely to disappear in the next years. Yet, the key factors of success are known by banks which often didn’t take care about them. The new strategic change taken by some to start again EWs like Monéo could however reverse the tendency. However, it will be necessary to still wait several years before seeing electronic wallets really imposing themselves like a credible alternative to payments in cash.

Le développement erratique des porte-monnaie électronique montre les difficultés de leur adoption aussi bien par le grand public que les commerçants. A de rare exception comme Proton en Europe ou Octopus en Asie, de nombreux porte-monnaie risquent de disparaître dans les prochaines années. Les facteurs clés de succès sont portant connus des banques qui les ont souvent ignorés. Le revirement stratégique pris par certaines pour relancer certains PME comme Monéo pourrait cependant inverser la tendance. Toutefois, il faudra attendre encore plusieurs années avant de voir des porte-monnaie réellement s’imposer comme une alternative crédible aux paiements en espèces.

Note: Downloadable document is in French.

Number of Pages in PDF File: 11

Keywords: electronic wallet, Moneo, porte-monnaie électronique, adoption, acceptance, payment, ecommerce

JEL Classification: E42, L86, M15

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Date posted: February 7, 2011  

Suggested Citation

Sahut, Jean-Michel, Define an Economic Model for Electronic Wallet (2007). La Revue du Financier, No.163, Janv-Fev 2007 . Available at SSRN: http://ssrn.com/abstract=1755498

Contact Information

Jean-Michel Sahut (Contact Author)
IPAG Business School ( email )
184 BD Saint Germain
Paris, 75006
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