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Application of multicriteria methods to the problem of choice models of electronic payment by credit card

Currently, there is an increase in the usage of electronic payment devices, reflecting a market trend. This paper presents a study that compares the results of applying different multicriteria decision aid (MCDA) methods to evaluate the three types of electronic payment technologies that are most commonly used in Brazil; the results are used to create a decision maker for choosing one method from among these three alternatives. To achieve this objective, this paper uses a set of methods: THOR (S1, S2 and S3), ELECTRE (I and II) and PROMETHÉE II. The results indicate that there is a slight prevalence of alternative technology. The adoption of multi-methods in this approach provided a sensitivity analysis that justified the decision maker's choice, revealing the slight advantage of one technology. However, this advantage was minimal, which could justify the adoption of all three technologies for electronic payment devices.

Technology; Multicriteria; Electronic payments


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