The term digital divide was introduced in the mid-1990s and defined as the gap separating those who have access to new forms of information technology from those who do not. The digital divide remains an important public policy debate that encompasses social, economic and political issues. This...

The increasing number of smart phones presents a significant opportunity for the development of m-payment services. Despite the predicted success of m-payment, the market remains immature in most countries. This can be explained by the lack of agreement on standards and business models for all...

This paper explores the economic models associated to different mobile-payment systems. We first present the existing experiences and review the few economic literature on the subject. We then concentrate on the four economic models currently experimented around the world: the operator-centric...