Chandra & Srivastava (2010) classifies mobile payment systems according to twocriteria: remote mobile payment and proximity mobile payment. In remote mobilepayment, user needs to connect to remote payment server in conducting the payment.Proximity payments are classified based on the physical location of a consumer; forexample, close proximity at the counter of a store, or remote payments, such as onlinepayment through a mobile phone. In proximity mobile payment, the paymenttransaction is using mobile device on the spot. It is often based on technology such asradio frequency identification (RFID), near field communication (NFC) Zhou (2012).