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1.1 BACKGROUND AND SCOPE OF STUDY Aim of the thesis is to provide public insight to current state of mobile payments in Finland by investigating the underlying theories in diffusion and adoption of mobile payments among young consumers. The thesis topic originates from the author s experience in working life where duties have included promoting a mobile payment solution, guiding consumers in using latest technologies and methods in banking and payments. Understanding the underlying theories can bring value to different stakeholders the field of mobile payments. There is no certain commissioner for this thesis, thus different types of mobile payments are taken to consideration. Broader approach may help in designing more universal research questionnaire and possibly resulting in understanding different types of consumer perceptions on various types of mobile payments. Consumer approach demarcates merchants and financial institutions drivers and obstacles in mobile payment adoption of out of the scope leaving room for further study. One of the typical challenges in business point of view is standardization, interoperability and managing device platform diversity (Cognizant, 3). Businesses most likely have conducted proprietary studies, which are not available for the public. One exception to this category would be MasterCard s Global Insights: The Mobile Payments Readiness Index. 1.2 RESEARCH OUTLINE In investigating the phenomena of mobile payments and its underlying theories, the author is aiming in providing an empirical framework over current state of mobile payments and mobile payment adoption. After setting up empirical assumptions over theoretical framework the assumptions will be reflected on the research findings. The main research question is What are the drivers of diffusion and adoption of mobile payment solutions among young consumers in Finland? In addition two research questions were set to support the main problem. - What are the obstacles in using mobile payments over cash or card payments? - What is the perceived value in using mobile payments over traditional payment types? 6