Document Type

Closed Project

Publication Date

Fall 2019


Tugrul Daim

Course Title

Technology Assessment and Acquisition

Course Number

ETM 531/631


Technology assessment, Hierarchical Decision Model, Mobile computing -- Security measures, Mobile commerce, Technological innovations -- Management


This paper provides a technology assessment model to select the optimum mobile payment solutions for college students using gap analysis and hierarchical decision model (HDM). The growth of innovation and technology adoption requires college students to be aware and cautious of the different available technologies. The literature review has been conducted about the current mobile payment technologies and perspectives affecting the decision-making process before building the HDM. The results of the model showed that Apple Pay is the optimal mobile payment solution for college students. Four different perspectives were considered to build this assessment model with sixteen different criteria. The most important perspective for selecting mobile payment was found to be the security perspective then technology, economy, and social, respectively. The ease of use was found to be the top criteria followed by security of deposit and speed of transfer.


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