Which alternative mobile payment method should the Dutch based company “Creative Clicks” implement for their products to decrease its operational costs by 15% within the Australian market by the end of 2018?

The project is to write a bachelor paper based on a Research proposal which has a clear outline of what needs to be examined. Feel free to include different marketing/business model, which have not been included in the proposal itself.
The research topic is: Which alternative mobile payment method should the Dutch based company “Creative Clicks” implement for their products to decrease its operational costs by 15% within the Australian market by the end of 2018?