Cologne University of Applied Sciences

Master Programme

Master Thesis: Determinants and Success Factors that Influence the User Adoption of Mobile Payments in Germany

Adeteju Enunwa recently submitted and successfully presented her Master thesis about the determinants and success factors that influence user adoption of mobile payments in Germany. We asked her to provide a short summary of her thesis for our blog:


Determinants & Success Factors that Influence the User Adoption of Mobile Payments in Germany

By Adeteju Enunwa

Research Model inspired by the “Unified Theory of Acceptance and Use of Technology” (UTUAT) model by Venkatesh et al. [1] and “Diffusion of Innovations” Theory by Rogers [2].

The swift adoption of smart phones globally has impacted various industries, thus  resulting in an explosion of mobile applications being used for the execution of various tasks across all sectors of the economy. The emergence of financial technology firms (Fintechs) who have redefined banking and payment has also resulted in an evolution in the way proximity based payments are made, with a gradual shift from cash, to contact only cards, to Dual Interface (DI) cards which supports contactless payments and now to mobile payments. Although, the payment scene has welcomed the presence of additional stakeholders such as Mobile Network Operators (MNOs) and Smart phone manufacturers e.g. Apple, Samsung with the evolution in NFC payments, mobile payments remains at a stagnant level with little or no growth in the adoption rate in Germany when compared to other European countries such as France, United Kingdom, Spain etc. where contactless is gradually the new alternative to cash.

The conceptual model was tested using two qualitative research methods namely: Observation and Interviews to carry out the study. The Observation phase was carried out over a period of five (5) days at a canteen in Munich, whereby the mode of payments of an average of one hundred and twenty (120) people were observed daily. Afterwhich, interviews were conducted to enable the researcher ascertain the factors that influence the intention to use and adopt mobile payments.

During the study, it was revealed that Data Privacy and Security were the core factors that would influence the intension to use mobile payments. Interestingly cost was an additional factor that also impacted the user’s perception on usefulnesses which was derived by comparing the value added offerings and associated cost to existing alternatives.

Due to the sample size, there were some limitations based on the location and the fact that most participants interviewed were male, thereby social factors such as the influence of gender could not be explored. However, two core external factors beyond the control of the end user were identified as the major challenges facing the adoption of mobile payments in Germany. (1) The inexistent support and specification standards for mobile payments by the domestic network known as girocard and (2) the poor acceptance by merchants. A strategic collaboration among stakeholders of the payment industry will be required if mobile payments is to be successful in Germany. The average end user must be confident enough to visit any merchant without the fear of limited acceptance for contactless payments


  1. Venkatesh, V., Morris, M., Davis, G., & Davis, F. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425-478. Retrieved from
  2. Rogers, Everett M. (1995). Diffusion of innovations. The Free Press, Connecticut, USA.

September 4, 2017 | | Christiane Grünloh

Web Science Graduate receives Opitz Innovation Award

Web Science Graduate Cagdas Cumhur Ünlüer received the first price of the Opitz Innovation Award for his Master Thesis “Characteristics for intelligent food packages and Internet of Things solutions based on conditions for food waste in Germany”. In his Thesis Cagdas Cumhur Ünlüer designed an IoT approach for a reduction of food waste. The general idea of deploying intelligent food packages is founded on quantity structures and well defined technical and economical concepts.

The corresponding German press release can be found here.

July 11, 2017 | | Christiane Grünloh

Getting your Master of Science without quitting your job!

Did you ever think about getting back to University to earn your Master of Science? Lifelong learning is essential, especially in a world that is constantly changing. Then some questions might come up: But what about my job? Where would I live and how would I be able to pay for this? Okay, there may be some online programmes, but a) how credible are these and b) would I really be motivated to learn all this on my own as self-study?

Web Science at TH Köln

We designed our Master programme in Web Science so that you would neither have to quit your job nor have to move. It is designed for students, who work full-time and want to pursue their Master of Science degree in part-time.

2 on-site weekends in Cologne, combined with eLearning and interactive online sessions

Web Science Master programme combines on-site and online sessions

To make this feasible, the programme is mainly held online, but we start and end each semester with an on-site weekend. During the first weekend, lectures are held and project teams are formed. And as we heard, the students meet in the evenings and exchange experiences and get to know each other. This is also very important as during the semester most of the students will mainly meet online when working together in their projects.

During the semester, every Tuesday and Thursday online sessions for the courses are held in the evenings (19.00 – 22.00 o’clock). Often the students have to prepare some small exercises in advance, read specific literature, or watch online lectures. In that way, the online sessions can be highly interactive, where students e.g. work together in smaller groups on a given task, which is then discussed in class together with the lecturer. This makes it possible for students to apply directly what they learned, engage in discussions (which also supports deeper understanding), and get immediate feedback. In modules which include a project these online sessions are also used to discuss the progress, challenges and opportunities of the project. Individual feedback is very important, so that the students can improve their project constantly throughout the semester. Interactive sessions, working together in groups, engaging in discussions and receiving individual feedback is something that differentiates the Web Science Programme from others online programmes in which students mainly have to study on their own. Self-study may not be that motivating and when there is increased stress at work, it may be very tempting to postpone it. Like the membership in the gym, where you for sure start practicing again next week 😉 . We can see that the students in our programme are highly motivated, work really well together, and help each other.

During the last weekend in each semester, the second on-site meeting is held. Here, the students will have their exams, which can be a written exam or a project presentation. It is always exciting; not only due to the exams, but also to see the final results of the often very interesting projects.

Answering the questions

So what about the “But, …” questions mentioned at the beginning? I think we addressed these in our programme:

  • But what about my job? Where would I live and how would I be able to pay for this?

You can keep your job and thus won’t loose your income. You wouldn’t have to move, because we only have two on-site weekends per semester, so for most students it is feasible to travel for those weekends to Cologne.

  • Online programmes: How credible are these? 

Our programme has be examined by the independent and professional agency AQAS. The accreditation of our Web Science Master programme has been successfully renewed until 2023.

  • Would I really be motivated to learn all this on my own as self-study?

Although you may have to work on some exercises or read literature on your own, you mostly have meetings together with peers or work in teams, which makes it easier to focus and to stay motivated.

So, what are you waiting for? Apply now 🙂



June 7, 2017 | | Christiane Grünloh

Social Media Seminar with Challenging Topics

The Masters programme „Web Science“ at the Cologne University of Applied Sciences (TH Köln) covers in this year’s Advanced Seminar ( a broad and challenging spectrum of topics: Social Media are kind of an umbrella for more detailed coverage of aspects like user behaviour, governance, security, and privacy. Great research contributions could be discovered at conferences like the acm Web Science Conference ( or the World Wide Web Conference (

The Advanced Seminar is part of the module „Web Project Development“ in the online extraoccupational Masters programme ( The seminar is held with frequent discussions and cooperations online in the evenings during the semester, and a poster session on a Saturday in July in Cologne (Südstadt) ending the semester work.

May 17, 2017 | | Kristian Fischer

New publication by Christian Klemm and Wolter Pieters

Christian Klemm published together with Dr. Wolter Pieters an article in Ethics and Information Technology. The article “Game mechanics and technological mediation: an ethical perspective on the effects of MMORPG’s” argues that discussions around video games should not only include the effect of their content (e.g. violence) but should also consider the effects of game mechanics. They analyzed ethical dimensions of behavioral game design and conclude with proposals for a better design. The paper is published as Open Access and is available here.

Christian Klemm graduaded in our Web Science programme in 2016. Dr. Wolter Pieters is assistant professor at TU Delft and was a lecturerer in Computer Ethics in our programme until 2015.


February 2, 2017 | | Christiane Grünloh

Successful reaccreditation of the Web Science Programme at TH-Köln

The accreditation of our Master-Programme in Web Science has successfully been renewed  until 30th of September 2023.

December 15, 2016 | | Gerhard Hartmann

Renaming Cologne University of Applied Sciences in: TH Köln – University of Applied Sciences

As of September 1, Cologne University of Applied Sciences will be known as Technische Hochschule Köln – abbreviated as TH Köln – bearing a new logo.

Information about why we have decided to take this step and how the renaming will affect students can be found in this letter.

October 29, 2015 | | Christiane Grünloh

Web Science 2016 Conference

The 8th International ACM Web Science Conference 2016 will be held from May 22 to May 25, 2016 in Hannover, Germany. For more information visit

October 12, 2015 | | Christiane Grünloh

The 9th International IFIP Summer School on Privacy and Identity Management for the Future Internet in the Age of Globalisation

The 9th International IFIP Summer School on Privacy and Identity Management for the Future Internet in the Age of Globalisation will take place on 7-12 September, 2014 in Patras, Greece.

This is always a fantastic opportunity to spend a working week with well-known and high-level researchers and theorists, and also – as someone new to the field – to get great feedback on your work and maybe to have the possibility of contributing to a book publication.

The IFIP Summer School 2014 is interactive in character, and is composed of keynote lectures and workshops with master/PhD student presentations. While the website indicates 10 June 2014 as the abstract submission date, according to the organizers there is surely still time available for student sociologists, social scientists, anthropologists and ethicists to submit!

June 10, 2014 | | Christiane Grünloh

First Web Science Summer School in Southampton, UK

The University of Southampton will host the first Web Science Summer School this year from 20. to 26. July. You will get the chance to listen and talk to the invited speakers Wendy Hall, Jim Hendler, Cory Doctorow, Chris Welty, and Guus Schreiber and network with other Masters and PhD students.

See more information regarding the programme, the speakers and tutors here:

The summer school requires a registration fee (€ 670). Registration is possible until 13.06.2014.

May 7, 2014 | | Christiane Grünloh

Apply now

The CUAS application portal is open – so feel free to apply directly: CUAS online application platform.

International applicants have to register online with uni-assist and enter your uni-assist application number in the CUAS platform.

You find more detailed information here.

May 5, 2014 | | Christiane Grünloh

German Language Modules for International Students in the Summer Semester 2014

The Language Learning Centre of FH Köln offers German language classes for international students in the upcoming summer term.

Further information are available here:

February 7, 2014 | | Christiane Grünloh

Screening and panel discussion
“Work Hard – Play Hard”

There will be a screening of the documentary “Work Hard – Play Hard” and a subsequent panel discussion about new forms of labour organization (probably in German) at Filmclub 813 e.V., Hahnenstr. 6, 50667 Köln.

For more information visit:

August 13, 2013 | | Christiane Grünloh

Deadline for International Applicants approaching –
apply NOW!

The deadline for international applications for the upcoming winter term ends on June 30th. Since the application process via uni assist takes some time, the sooner you submit your documents, the better. The first on-site weekend in winter term will take place on 20.-22. September 2013.

Students with foreign certificates have to apply via Uni-Assist. Please take also a look at theHelp-Site of Uni-Assist and follow every step. This is very important, since otherwise some important steps might be forgotten and will then hinder the application process. Unfortunately there is not that much time left, so if you want to apply please make sure, that you

  • upload all important documents at once to uni assist
  • send the certificates also paper-based
  • pay the uni-assist fee

Otherwise uni-assist won’t proceed your application.

August 13, 2013 | | Christiane Grünloh