Coopetitive Service Innovation in Mobile Payment Ecosystems

Junying Zhong

Research output: ThesisDoctoral ThesisCollection of Articles


Mobile payments are a new way to pay in the digital era. The emerging mobile payment platforms and services enable viable businesses through exchanges of value between consumers and collaborating actors in a real-time and context-specific way. However, business interactions in mobile payment markets are reected in a highly dynamic market structure that requires coopetition (simultaneous competition and collaboration) between the participants in the markets. This dissertation studies how mobile payment solutions are innovated in business networks. The focus is on the coopetitive service innovation in mobile payment ecosystems. The first investigation is a comparison of mobile payment service innovation in the Finnish and Chinese markets. This investigation shows that the interindustry cooperation happens in both markets to facilitate the effective realization of mobile payment solutions. The findings show differences in the providers' strategic positions. An empirical study on consumer adoption emphasizes the importance of interfirm collaboration in the mobile payment supply chain. The following case studies address Bestpay, Alipay, UnionPay, Elisa Wallet, and Apple Pay. These studies result in three theoretical models for managing firms' coopetition in a digital business ecosystem. The RISE model (Resources - Inter-/Self-organizational innovation - Ecosystem) can be used to identify the win-win relationships in interfirm co-innovation. The DISCO model (Dynamics of Innovation Strategy in Coopetitive Environment) helps a company to adjust its strategic positioning in a coopetitive environment. The COIN model (Coopetitive Innovation) introduces the Consumer Matrix, the Business Matrix, and the Resource Matrix. These help companies to recognize their resource advantages: superior vs. inferior, and heterogeneous vs. homogeneous. In addition to the theoretical contribution, the models help firms to identify and define their business relations in service innovation ecosystems. Overall, this dissertation contributes to the understanding of mobile payment service innovations in digital ecosystems for managing coopetition.
Translated title of the contributionCoopetitive Service Innovation in Mobile Payment Ecosystems
Original languageEnglish
QualificationDoctor's degree
Awarding Institution
  • Aalto University
  • Nieminen, Marko, Supervising Professor
  • Hämäläinen, Matti, Thesis Advisor
  • Laine, Juha, Thesis Advisor
Print ISBNs978-952-60-6368-3
Electronic ISBNs978-952-60-6369-0
Publication statusPublished - 2015
MoE publication typeG5 Doctoral dissertation (article)


  • mobile payment
  • coopetition
  • innovation
  • strategy
  • business ecosystem

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