Towards a global mobile payment service

Mobile payment's promise is that users will be able to pay via their mobile phones any time anywhere in whatever currency easily. However the real world mobile payment efforts are still far away from materializing this vision. In this paper we take a view of where we are today and why mobile payments are not there where most experts had predicted some years ago. We also lay our views on how this interesting area will proceed and what are the underlying pros and cons for each actor. Finally we present shortly SEMOPS (www.semops.com), a mobile payment service that has been realized with the aim of satisfying a next generation global mobile payment service.