Existing e-payment solutions are either cumbersome, slow, or are specifically tailored for a limited clientele, on the customer or merchant side, therefore can not be used in wide circle. If someone needs to type all its payment details, and if this typing needs to happen on a handset with 12 keys, chances are that the person will think it over very hard whether the transaction worth the effort.

SEMOPS in this regard is very much user centred. All user specific information can be stored locally either on one’s handset or in the PC. The information stored is of general purpose, nothing sensitive, just to ease performance of the payment function.

Payment is performed from a special menu that is identical both on the mobile handsets and on the PC, to ensure familiar procedures to the users of the service. This familiarity is further enhanced through the fact that all different payment types, for all different transactions follow the same pattern, same steps, to increase the comfort of the buyers. 

As menus are assisting users, the actual typing is reduced to a minimum, namely to menu selection and to the input of a PIN.

There are numerous comfort features that are not absolutely necessary for the payment action but are nice to have, useful functions. The service allows synchronisation of one’s own database with that of in the bank. Also all transactions either performed on a handset or from the PC can be combined in one single database. As this link between mobile and internet transactions can be established it is possible to initiate the transaction on one device and continue it on a different one.

To assist conflict solving between customers and merchants a special refund feature is also part of the service, built into the same menu that is used for payment purposes.

In a broader sense user friendliness also includes such aspects as ease of registration to the service, access to the service, scope of use of the service, internationality. The SEMOPS solution is aiming for great targets even in this sense.
Although registration policy depends on the individual payment processors, theoretically electronic registration is possible, and one can start to use the service without the need to visit any branch office, or meet any customer service agent. The service is offered primarily by banks and mobile operators to the public. This concept means that not only a handful of selected lucky ones could enjoy the benefits of SEMOPS, but it can be made available to the whole population. This potential wide reach also ensures that a large number of merchants can be paid through this service, and also merchants can serve a large clientele. This scope is even further increased by the fact that the service is designed for international operation allowing cross border, international transactions to be paid for.