A theory of the availability and level of consumer protection in online and mobile payments for public economic services

The mainstay of the paper is formed by an analysis of the factors that influence the community use of mobile payment for e-Government services, the use of mobile payment for the exchange of government goods and services, the types of e-Government services for which mobile payment is suitable, and real and perceived risks associated with mobile financial services. This paper presents a theory of the level of consumer protection and especially the availability of online payment systems and mobile public economic services, and highlights the use of Internet technology to provide effective and efficient public services. We underline the need to configure citizen-centric government services, accessibility challenges associated with the use of mobile, and diverse and transient nature of mobile technology use.