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When Mobile Payment systems first emerged at the turn of the millennium, expectations were high regarding their potential and implementation. However, the market has experienced slow growth, with no significant breakthroughs in Europe. To analyze the reasons behind this stagnation and explore long-term development prospects in Germany, the Center for Payment Studies conducted two academic studies. The first, titled "Mobile Payment: Where Are We Headed? Opportunities and Risks for Market Participants in Europe," investigates the trends and requirements for Mobile Payment, focusing on potential business models from the banks' perspective. The second study, "Mobile Payment: Business Models, Applications, Added Value, and Client Expectations," delves into the current Mobile Payment ecosystem, aiming to identify development paths and explore opportunities for added value services. This book compiles findings from both studies, providing valuable insights into various aspects of the Mobile Payment ecosystem and highlighting the challenges and opportunities that lie ahead for market participants.

While most people regularly think about their personal finances, most do not give a second thought about the cash that sits in their pocket and how much that actually costs them. Cash is seen by consumers as a low cost method of payment 89 % of Germans think cash is the cheapest way to pay. To analyze these question the Center for Payment studies at the Research Center for Financial Services omittet a survey and found out, this isn t the truth. Cash creates costs for all parties retailers, banks, consumers and governments. The total cost of cash for the German state is a staggering 8.3 bn Euros per year. Meanwhile the total cost of cash for the private sector (banking / retail and individuals) was even higher 12.5 bn Euros. For example, cash costs the German retail industry alone, 6.7 bn Euros per year with costs including cash storage, cash handling, transport and security.