Bayan khosravi - Tarbiat Modares University, Tehran,
Mitra Karami - Allameh Tababei University
Hasti Khosravi - Islamic Azad university of Sanandaj,

With the fast developing mobile commerce, mobile payment is springing up as new industry. It is obvious that replacing traditional cash or bank card with mobile will cause payment revolution. Success in this new arena is not automatic. Prior to entering mcommerce managers must evaluate the current situation with respect to mission, goals, and strategies. Then, they must scan the organization internal and external environments and evaluate the likelihood that m-payment strategy will succeed. In this research, combined method based on the Strengths, Weaknesses, Opportunities and Threats (SWOT) and analythic hierarchy process (AHP) is proposed to investigate the challenges and prospects of mobile payment faced by Iranian banks. The relative significance of each SWOT indicator and its related SWOT group in Experts opinion is quantified by AHP technique.The quantified significance of SWOT indicators provide excellent insight for formulating strategies. Afterwards, the alternative strategies towards success in m-payment are recommended.

M-commerce, M-payment, Analytical Hierarchy Process