Mobile phone overtakes its first communication functions including payment functions. This thesis proposes an economic analysis of the key issues of mobile payment, it attempts to explain the reasons of the delay and its difficulties to emerge. First technology must stabilize, offer a unique and interoperable service to try to bring out a sufficient network of users. The analysis of the legal and financial environment of m-payment technology halfway between telephony and banking was necessary. The rest of the thesis is devoted to an analysis oriented to consumer then progresses to an analysis of the relationship between service providers analysis. A chapter is devoted to the development of an empirical model analyzing the reasons and conditions of user's adoption. Finally, the last two chapters are devoted to the modeling of possible relationships between service providers. These two chapters have several models to understand the many advantages but also the limitations of the mobile payment in a banked environment. They also offer an explanatory scenario to the success of m- payment solutions in emerging countries. And they highlight the interest from the point of view of banking services in these areas, the presence of co-offers, but especially and paradoxically solutions managed by operators.
