Marketing

Analytics

Payment service provider

Operating system

Telecommunications

Computer science

Schema (genetic algorithms)

Payment

Business

Mobile payment

Database

Mobile commerce

Cluster analysis

Online and offline

Finance

Channel (broadcasting)

Machine learning

Journal of Retailing and Consumer Services

Mobile payments are services that use mobile devices to make payments. When digitalization moves across channel boundaries, online to offline channel retail will expand. Online to offline retailing will become the future retail owner stream and retail operators will move from cross-channel or multi-channel to omni-channel. This study investigates a market survey in Taiwan developing a data mining analytics including clustering analysis and association rules based on a snowflake schema database design. The role of mobile payment is determined in terms of new retail payment mechanism that promotes a better consumer purchase experience in an online to offline business environment.

Mobile payment and online to offline retail business models