关于移动支付过去-现状-未来的文献综述外文翻译
移动支付在中国的发展英语作文
移动支付在中国的发展英语作文The Rise of Mobile Payment in ChinaThe rapid growth of mobile payment in China has been a remarkable phenomenon in the digital age. Over the past decade, China has emerged as a global leader in the adoption and development of mobile payment technologies, transforming the way people conduct financial transactions and reshaping the consumer landscape.At the heart of this transformation is the widespread use of smartphone devices and the growing popularity of mobile applications such as Alipay and WeChat Pay. These platforms have revolutionized the way Chinese consumers approach payments, offering a seamless and convenient alternative to traditional cash and card-based transactions.One of the key factors driving the success of mobile payment in China is the country's large and tech-savvy population. With over 1.4 billion people, China boasts a massive consumer base that has readily embraced digital technologies. The widespread adoption of smartphones, coupled with the increasing penetration of high-speed internet and mobile data services, has created an environment that isripe for the growth of mobile payment.Furthermore, the Chinese government's strategic focus on promoting financial inclusion and the development of a digital economy has played a significant role in the rise of mobile payment. Policies and initiatives aimed at encouraging innovation and the use of digital financial services have provided a supportive framework for the industry's expansion.The impact of mobile payment on Chinese society has been profound. It has transformed the way people shop, dine, and even split bills with friends. The convenience and speed of mobile payment have made it an indispensable part of everyday life, with consumers increasingly relying on their smartphones to make purchases, transfer funds, and even pay for public transportation.The integration of mobile payment with other digital services, such as e-commerce, social media, and entertainment platforms, has further enhanced its appeal. Consumers can now seamlessly combine their shopping, social, and financial activities, creating a more integrated and personalized user experience.The growth of mobile payment has also had a significant impact on the broader financial ecosystem in China. Traditional financial institutions, such as banks and credit card companies, have had toadapt to the changing landscape, offering their own mobile payment solutions or partnering with leading platforms to remain competitive.Moreover, the data generated by mobile payment transactions has become a valuable asset, enabling companies to gain deeper insights into consumer behavior and preferences. This data can be leveraged to develop more targeted marketing strategies, personalized financial products, and innovative services that cater to the evolving needs of consumers.The future of mobile payment in China looks promising, with continued innovation and expansion on the horizon. As the country's digital infrastructure continues to evolve and consumer preferences shift, it is likely that mobile payment will become even more deeply integrated into the fabric of Chinese society, further transforming the way people engage with the digital economy.In conclusion, the rise of mobile payment in China is a testament to the country's technological prowess and the adaptability of its consumers. The widespread adoption of these digital payment solutions has not only revolutionized the way people conduct financial transactions but has also had a profound impact on the broader economic and social landscape. As China continues to lead the way in the mobile payment revolution, the world willundoubtedly look to this dynamic market for inspiration and insights into the future of digital finance.。
写移动支付在中国的使用情况的英语作文
写移动支付在中国的使用情况的英语作文Mobile Payment Usage in ChinaIn recent years, mobile payment has gained immense popularity in China, transforming the way people carry out transactions. The prevalence of mobile payment platforms, such as Alipay and WeChat Pay, has revolutionized the payment landscape in the country.Mobile payment has become an integral part of daily life for many Chinese citizens. From street vendors to large retailers, the acceptance of mobile payment methods is widespread. According to a report, China's mobile payment transaction volume reached an astonishing amount in 2020, showcasing the significant role it plays in the nation's economy.One of the key factors contributing to the rise of mobile payment in China is the increasing penetration of smartphones and internet connectivity. With over 90% of the population owning a smartphone, it has become convenient for people to make transactions using mobile payment apps. Additionally, the government's push for a cashless society and the support from major tech giants have further facilitated the growth of mobile payment usage.One of the most popular mobile payment platforms in China is Alipay, operated by Ant Group. It allows users to make payments for various services, including utility bills, shopping, and even sending money to friends and family. Another widely used platform is WeChat Pay, which isintegrated within the popular social media app WeChat. These platforms have made it incredibly easy for people to carry out transactions with just a few taps on their smartphones.The benefits of mobile payment in China are multifaceted. Firstly, it offers convenience, eliminating the need to carry cash or credit cards. Users can simply scan a QR code or use near-field communication (NFC) technology to complete transactions. Secondly, mobile payment provides a secure and traceable method of payment, reducing the risk of theft or loss. Furthermore, it promotes financial inclusion, allowing individuals without access to traditional banking services to participate in the digital economy.However, the widespread adoption of mobile payment has also raised concerns. Data privacy and security remain significant issues, as users' financial information is stored within these platforms. Additionally, the digital divide persists, with certain demographics, particularly the elderly, facing challenges in adapting to mobile payment technology.In conclusion, mobile payment has revolutionized the way people conduct transactions in China. Its convenience, security, and accessibility have made it a preferred payment method for many. As the mobile payment landscape continues to evolve, it will be crucial for stakeholders to address the challenges and ensure that the benefits are extended to all segments of society.。
关于移动支付过去,现状,未来的文献综述外文翻译
毕业论文（设计）外文翻译一、外文原文标题：Past，present and future of mobile payments research: A literature review 原文：The mobile payment services markets are currently under transition with a history of numerous tried and failed solutions, and a futu of promising but yet uncertain possibilities with potential new technology innovations. At this point of the development, we take a look at the current state of the mobile payment services market from a literature review perspective. We review prior literature on mob payments, analyze the various factors that impact mobile payment services markets, and suggest directions for future research in the still emerging field. To facilitate the analysis of literature, we propose a framework of four contingency and five competitive force factor and organize the mobile payment research under the proposed framework. Consumer perspective of mobile payments as well as technic security and trust are best covered by contemporary research. The impacts of social and cultural factors on mobile payments, as well comparisons between mobile and traditional payment services are entirely uninvestigated issues. Most of the factors outlined by framework have been addressed by exploratory and early phase studies.Mobile phones have transformed telephony profoundly. They are equipped with functionalities which surpass telephony needs, and which inspire the development of value-added mobile services, the use of mobile phones as access devices, and mobile commerce in general. The number of mobile phones in use far exceeds any other technical devices that could be used to market, sell, produce, or deliver products and services toconsumers. These developments open lucrative opportunities to merchants and service providers.Purchased products and services have to be paid for. Initially, fixed-line telephony billing systems were modified to charge mobile telephony. Later, mobile telephony billing systems were introduced, and used also to charge various mobile services when such services emerged. Yet, payments based on billing systems have several limitations. These include comparatively high payment transaction fees, merchant and service provider complaints about unfair revenue sharing, and the necessity to provision services to billing systems [66,80]. In some areas, such as the European Union, credited payment services to third parties require a (limited) credit institution license. The lack of suitable pay-ment instruments has for a long time been regarded as a factor that hampers the development of mobile commerce.Mobile payments are payments for goods, services, and bills with a mobile device (such as a mobile phone, smart-phone, or personal digital assistant (PDA)) by taking advantage of wireless and other communication technologies. Mobile devices can be used in a variety of payment scenarios, such as payment for digital content (e.g., ring tones, logos, news, music, or games), tickets, parking fees and transport fares, or to access electronic payment services to pay bills and invoices. Payments for physical goods are also possible, both at vending and ticketing machines, and at manned point-of-sale (POS) terminals.A mobile payment is carried out with a mobile payment instrument such a mobilecredit card or a mobile wallet. In addition to pure mobile payment instruments, most electronic and many physical payment instruments have been mobilized. Furthermore, mobile payments, as all other payments, fall broadly into two categories: payments for daily purchases, and payments of bills (credited payments). For purchases, mobile payments complement or compete with cash, cheques, credit cards, and debit cards. For bills, mobile payments typically provide access to account-based payment instruments such as money transfers, Internet banking payments, direct debit assignments, or electronic invoice acceptance.In the early 2000s, mobile payment services became a hot topic and remained so even after the burst of the Internet hype. Hundreds of mobile payment services, including access to electronic payments and Internet banking, were introduced all over the world. Strikingly many of these orts failed. For example, most, if not all, of the dozens of mobile payment services available in EU countries and listed in the ePSO database in 2002 [5] have been discontinued. To facilitate the development of better mobile payment services, it is important to understand the lessons of his history by learning what previous studies have discovered about mobile payments and about the mobile payment services markets, as well as what issues have remained unanswered.The aim of this paper is to summarize findings from past mobile payments research, and to suggest promising directions for future research. There are a number of factors that highlight the significance and usefulness of such a literature review. Firstly, the field has seen a growing number of publications, yet a thorough review of existing work is missing. The lack of published literature reviews impedes the progress in the field; review articlesare critical to strengthening an area as a field of study [88]. Secondly, research so far seems fragmented, and lacks a roadmap or an agenda. Reviewing existing literature not only leads to a better understanding of the state of the research in the field, but it also discerns patterns in the development of the field itself. Finally, a synthesis of existing findings allows researchers not to repeat similar work, and discover important gaps. In other words, it closes areas where a plethora of research already exists, and at the same time uncovers those areas where research is lacking [88].Another contribution of this literature review is the proposed theoretical framework, around which the review is organized. Webster and Watson [88] recommend that the best reviews need to be conceptually structured, and based on a guiding theory. Our framework provides a guiding structure that allows us to effectively accumulate knowl edge, and to interpret previous findings. Because the frame work itself aims to explain relevant factors in the mobile payment services market, basing the literature review on the framework ensures that the review is comprehensive and holistic, and reveals research gaps that could otherwise be overlooked. The framework not only helps to explain the existing body of knowledge on each factor of the frame work, but, more importantly, it also provides an overview of the mobile payment services market, illustrating how the various perspectives and research findings fit together as part of the big picture.The framework used for the review of literature applies two guiding theories. They are the five forces model developed by Porter [68], and the generic contingency theory which emerged from the work of Lawrence and Lorch Perrow and Thompson [81]. The framework is used to classify past research, to analyze research findings of classifiedstudies, and to propose meaningful research questions for future research for each factor.The prime actors in the mobile payment services market are mobile payment service providers and their customers. Various parties assuming these roles in the market include consumers, merchants, financial institutions and telecom operators. Additional parties, typically vendors of hand sets, software, networks and other technologies may also be involved. The power and the interests of these parties impact how technologies and other resources are orches trated into mobile payment services, and how these services are ored to and used by the market. Moreover, mobile payment services compete for the attention of customers and other parties against physical and electronic payment services. Mobile payment services are a natural choice to pay for mobile services. Yet, to succeed, mobile payment services may have to offer added value and be available for other relevant payment environments as well.Porter’s [68] competitive factors strategy model, or the five forces model, describes both the key role of a mobile payment service provider, and other market factors. The model applies insights from industrial organization theory to analyze the competitive environment on the level of business units [3], and relates the average profitability of the participants in an industry to competitive forces [30]. The basic proposition is that organizational performance mainly depends on the industry structure. According to Pearce and Robinson [65] and Johnson [29], the strengths of Porter’s model are that it provides one simple approach to analyze industry structure, identify and determine the attractiveness of an industry, reveal insights on profitability, inform important decisions about whether to leave or enter industries or sectors, and develop strategic optionstoimprove relative performance in the industry or influence relative position in the industry. As one of the most influential management tools for strategic industry analysis [3], the model has been applied by numerous practitioners and academics [30]. The above arguments suggest that the model is well suited to guide the classification of literature on the mobile payments services markets.In addition to the competitive forces within the mobile payments services markets, other factors are believed to impact these markets as well, for example, technology and standards, regulatory activities and legislation, estab lished purchase and payment habits, or national economy infrastructures. If we regard a mobile payment services market as the unit of analysis (organization), these other factors become contingency factors, which influence the performance of the unit but are beyond the influence and control of that unit, as defined in the contingency theory. Contingency theory therefore is also well suited to classify mobile payments research and to capture the environmental factors which are characteristic to the mobile payment services markets .The roots of contingency theory are typically seen in open systems theory and in Cyert–Simon–March stream of theory (e.g., [23,89]). Contingency theory emphasizes the importance of environmental influences, especially technology, on the management of organizations, and suggests that there is no single best way to manage or organize. The identification of contingency factors is one typical research theme. In addition to technology, other typical contingency factors include cultural, social and economic factors. In the context of mobile payment services markets, it is natural to include regulation, jurisdiction and standardization factors too because financial services andtelecommunication are among the most regulated industries, and the use of standards is characteristic to telecommunication.Two features of contingency theory make it useful for our purposes. Contingency theory is described as a mid range theory which falls between two extreme views [21,89]. According to one extreme view, it is possible to find universally true theories, whereas the other one claims that each unit of analysis is unique and has to be analyzed based on situational factors. Contingency theory postulates that environmental factors are important but also that the impacts of environmental factors are systematic, rather than entirely situational. The contingency approach is useful for the classification of mobile payment research, since, for example, mobile payment services dier between markets, such as Japan, various European countries, or the USA, but they do so in systematic ways, for instance due to dierences in payment technology infrastructure, regulation, laws, or habits.The other useful feature of contingency theory is the ‘‘environment – strategy –performance’’ link [21]. T he theory claims that the environment, such as the amount and type of regulation, impacts the structure of the organization, by, for example, influencing which entities have incentives to become mobile payment service providers. This, in turn, impacts performance, such as adoption interests of merchants and consumers. Another example is that enhanced technology makes it possible to provide enhanced services, which in turn increases interest toward the services. The resulting framework is presented in Fig. 1. The framework is multi-faceted since it includes both market factors and contingency factors. The inner facet of the framework, that is competitive factors, describes the five main competitive forces of the mobile payment services markets. Theouter facet of the framework includes contin gency factors, that is, technological, social/cultural, commercial, and legal/regulatory/standardization.In addition to the theoretical basis described above, the framework has also been influenced by research models proposed in earlier studies [10,28,27]. Jayewardene and Foley [28] proposed that changes in technological, cultural, commercial and legal factors, together with the competitive forces of financial services market, drive financial services development. Javalgi and Ramsey [27] suggested that information technology and telecommunication, social/cultural commercial, and government/legal factors impact the diusion of global eCommerce. Dahlberg and Mallat [10] combined these two models to describe factors which characterize mobile payment services markets and impact the diusion of these services.We stress that the framework can be used as a metamodel to classify the existing literature, and as a research model to examine the die rent factors that influence the mobile payments services market. The framework is useful for these purposes because: (1) it is based on guiding theories, is conceptually sound, and draws from previous research; (2) it helps to bring clarity to the multiple topics and to the vague, conflicting terminology present in professional and academic mobile payment literature; and (3) it shows clearly what factors impact the mobile payments services market and services development, another issue in need of clarity.出处：Tomi Dahlberg .Electronic Commerce Research and Applications 7 (2008) 165–181二、翻译文章标题：关于移动支付过去，现状，未来的文献综述译文：手机已经深刻地改变了电话史，他们具备的了普通电话所不具备的很多功能，比如说激励增值移动服务发展，作为接入设备使用的移动电话，以及通用移动商务的使用。
移动支付在中国使用情况的英语作文
移动支付在中国使用情况的英语作文The Usage of Mobile Payment in ChinaIn recent years, mobile payment has become an increasingly popular way for people in China to make transactions. With the widespread use of smartphones and the development of various mobile payment platforms, such as Alipay and WeChat Pay, more and more Chinese consumers are choosing to pay with their mobile devices.One of the main reasons for the popularity of mobile payment in China is its convenience. Unlike traditional payment methods, such as cash or credit cards, mobile payment allows users to make transactions quickly and easily with just a few taps on their smartphone. This is especially useful in a country like China, where cash is becoming less popular and many people prefer to pay digitally.Another factor driving the adoption of mobile payment in China is the wide acceptance of mobile payment platforms by merchants. In most major cities in China, it is now common to see stores, restaurants, and even street vendors accepting mobile payments. This makes it easy for consumers to usemobile payment for all kinds of transactions, from buying a cup of coffee to paying for a taxi ride.In addition to its convenience, mobile payment in China is also seen as a more secure option compared to traditional payment methods. With features such as fingerprint recognition and facial recognition, mobile payment platforms offer an extra layer of security that can help protect users' financial information from fraud and theft.Furthermore, mobile payment has also played a significant role in driving financial inclusion in China. By allowing people without access to traditional banking services to make payments digitally, mobile payment has helped to bring millions of people into the formal financial system and improve their access to financial services.Despite its many benefits, there are still some challenges facing the further adoption of mobile payment in China. One of the main concerns is around data privacy and security, as some people worry about the possibility of their personal information being leaked or stolen through mobile payment platforms.Another challenge is the digital divide, as not everyone in China has access to a smartphone or the internet, which limits their ability to use mobile payment. This is especially true in ruralareas and among older generations who may not be astech-savvy.In conclusion, mobile payment has become an integral part of everyday life for many people in China. With its convenience, security, and role in driving financial inclusion, it is likely that mobile payment will continue to grow in popularity and become an even more common way for people to make transactions in the future. However, it is important for policymakers and industry players to address the challenges facing mobile payment and work towards ensuring that it is accessible and secure for all users.。
移动支付在中国的使用情况英语作文
移动支付在中国的使用情况英语作文Mobile Payments in China: The Super Cool Way to Pay!Do you know what's totally awesome? Mobile payments! This is a really cool way to pay for stuff using just your phone. It's super popular in China - my family and friends use it all the time. Let me tell you all about it!First off, what exactly are mobile payments? Well, it's when you use your smartphone to transfer money and pay for things instead of using cash or cards. The two biggest mobile payment apps in China are Alipay and WeChat Pay. My parents have both of them installed on their phones.Using these apps is so easy and convenient. Let's say my mom wants to buy some groceries at the supermarket. She just needs to open up the app, scan a QR code at the checkout counter, enter the amount, and boom - payment done! No need to carry cash or cards around.It's not just for shopping though. Mobile payments are used for all sorts of things in China. Like if my dad needs to pay the utility bills, he can do it through the app. Or if my aunt wants to send my grandma some money for her birthday, just a few taps and it's transferred instantly!One of the coolest uses is paying for public transport. In big cities like Beijing and Shanghai, you can just scan a code to pay for your bus, subway or taxi ride. How neat is that? You can also use mobile payments to rent shared bikes that are everywhere in China. Just scan, unlock, and go!Mobile payments have changed how people in China handle their daily life and do business. For example, my uncle owns a small restaurant. He doesn't need to worry about having a cash register anymore because customers just scan a QR code to pay the bill right from their table. It's so modern and high-tech!Speaking of businesses, mobile payments have been a total game-changer there too. Food delivery apps, online shopping, booking hotels - all of it is so much easier with just a few taps to pay. Even street vendors and small stores in China accept mobile payments now. My favorite fruit stand near my school has a little sign to scan and pay.As you can probably tell, I'm a huge fan of mobile payments! It just makes everything so simple and streamlined. My parents don't have to scramble for cash or worry about carrying multiple cards when we go out. We just need our phones.There are some other amazing features too. The apps track all your payments and expenses, so my parents can easily seewhere their money is going. You can also collect reward points and coupons to use later. During holidays, my aunts and uncles send me and my cousins little cash gifts through the apps. It's like a modern red envelope!Mobile payments are taking over so quickly here because they are secure, efficient, and just super convenient. WhateverI'm doing - hanging out with friends, running errands for my parents, going out for dinner - I can pay for anything with a few taps. Seriously, it's the future!Of course, mobile payments are not perfect. There are some downsides like privacy concerns over data sharing. And really old people or those from rural areas who don't use smartphones can face challenges. But overall, I think mobile payments make life easier and better. I can't imagine going back to just using cash and cards.Some of my friends from other countries always get confused when they come over and see everyone furiously scanning QR codes to pay for stuff. They just aren't used to that lifestyle yet. But I'm sure mobile payments will become big globally soon. It's just too simple and convenient not to!China is truly leading the way in adopting mobile payments. We're like a cashless society now - everything can be paiddigitally. From a kid's perspective, it's one of the coolest things about living here. I feel like I'm getting a glimpse into the future of money. How awesome is that?In conclusion, mobile payments are tremendously popular across China due to their convenience, efficiency, and modern features. While there are some downsides, overall they have transformed how we go about our daily lives and made payments simpler than ever. I'm so glad I grew up in this era of mobile payments - it's quite literally changing the world, one tap at a time!。
移动支付在中国的使用情况 英语作文80字
移动支付在中国的使用情况英语作文80字篇1Oh my goodness! Mobile payment has truly taken China by storm! It's everywhere you look. In large shopping malls, you won't see people fumbling for cash. Instead, they simply whip out their phones and make the payment in an instant. Take a supermarket for example. People can easily scan the QR code and finish the payment without the hassle of handling physical money. How convenient is that? And it's not just limited to there. Even in small street-side stores, mobile payment is the norm. When you take public transportation like the subway, all you need to do is scan a code and enter the station. No more queuing up to buy tickets with cash. Isn't it amazing? This shows just how deeply integrated mobile payment has become in our daily lives. It has not only made transactions faster and more efficient but also changed the way we think about money and shopping. So, will this trend continue to dominate in the future? I surely believe so!篇2Oh my goodness! Mobile payment in China has truly revolutionized the way we handle transactions! Take, for instance, the emergence of face recognition payment in some restaurants. How amazing it is! People can simply have their faces scanned and complete the payment swiftly,enhancing the dining efficiency incredibly. Isn't it a remarkable innovation?Then, consider the fingerprint payment introduced by several banks. Wow! This technology has significantly strengthened the security of payments. It ensures that only the authorized users can access and complete the transactions. How reassuring is that?These innovative forms of mobile payment have not only made our lives more convenient but also reshaped the entire payment landscape in China. They have brought about a seamless and efficient experience for consumers. So, isn't it fascinating to witness such rapid and revolutionary changes in the payment methods? I truly believe that mobile payment will continue to evolve and bring even more astonishing developments in the future!篇3Mobile payment has truly revolutionized the way we live in China! How convenient it is! We no longer need to carry wallets and loose change around. Just take out our mobile phones and payments can be made easily. Isn't it amazing? For example, when we go shopping, we don't have to fumble for cash or worry about having the right amount of change. With a simple scan of the QR code, the transaction is completed in an instant. This saves us so much time! Moreover, mobile payment also helps us keep track of our spending. The payment software provides clear and detailed consumption records. This makes it so convenient for us to manage ourfinances and plan our budgets. How wonderful is that? We can clearly see where our money goes and make better financial decisions. Isn't this a huge advantage? So, it's no exaggeration to say that mobile payment has brought unprecedented convenience to our lives in China. It has made our daily transactions smoother and more efficient. How can we not embrace and appreciate such a remarkable innovation?篇4Mobile payment has become an indispensable part of our daily lives in China. It brings great convenience, allowing us to complete transactions with just a few taps on our mobile phones. However, have we ever thought about the challenges it faces?Oh, my dear friends, let me tell you! Network security is a huge concern. For instance, some users have suffered property losses due to online frauds. How terrifying it is! They trusted the system, but the villains took advantage of the loopholes and stole their hard-earned money.And what about technical glitches? Sometimes, the system fails and payment transactions cannot be completed. Isn't it frustrating? Imagine you are in a hurry to pay for something important, but the mobile payment just doesn't work!These problems make us wonder: How can we ensure the safety and stability of mobile payment? How can we protect users' rights and interests? It's a question that needs urgent answers and solutions. We must payattention and take effective measures to overcome these challenges. Only in this way can mobile payment continue to thrive and bring more convenience to our lives.篇5Oh my goodness! The use of mobile payment in China has truly been a revolutionary phenomenon! It has changed the way we conduct transactions in our daily lives.Now, let's look into the future! Imagine the integration of mobile payment with artificial intelligence and big data. This combination will offer us highly personalized services. For instance, it can recommend the most suitable payment methods based on our spending habits and preferences. How amazing is that?And don't forget about the expansion into the international market. More and more foreign merchants are supporting Chinese mobile payment methods during international travels. This not only makes our shopping abroad more convenient but also boosts international economic exchanges. Isn't it wonderful?In conclusion, the future of mobile payment in China is incredibly bright. It will continue to evolve and bring more convenience and innovation to our lives. How exciting it is to anticipate these changes!。
移动支付在中国的使用情况 英语作文80字
移动支付在中国的使用情况英语作文80字English: In China, mobile payment has become an integral part of daily life for millions of people. With the rise of platforms like Alipay and WeChat Pay, individuals can now make purchases, transfer money, and even pay bills quickly and conveniently using just their smartphones. The convenience, speed, and security of mobile payments have significantly reduced the reliance on cash and credit cards in China, leading to a cashless society in many urban areas. From shopping in supermarkets to dining at restaurants, mobile payment has revolutionized the way transactions are conducted in the country, making it a preferred choice for both consumers and businesses alike.Chinese: 在中国，移动支付已成为数百万人日常生活中不可或缺的一部分。
随着支付宝和微信支付等平台的兴起，个人现在可以通过智能手机迅速方便地进行购买、转账甚至支付账单。
移动支付的便利性、速度和安全性显著减少了中国对现金和信用卡的依赖，导致许多城市区域实现了无现金社会。
移动支付在中国使用情况英语作文
移动支付在中国使用情况英语作文{z}Title: The Use of Mobile Payment in ChinaMobile payment has become an integral part of daily life in China.With the rapid development of technology and the internet, Chinese people are increasingly embracing the convenience and efficiency offered by mobile payment platforms.One of the most popular mobile payment systems in China is Alipay, founded by Alibaba Group.It allows users to make payments for various transactions, such as shopping, dining, and transportation, simply by scanning a QR code with their smartphones.Alipay has a user base of over a billion people, making it one of the largest mobile payment platforms in the world.Another widely used mobile payment platform in China is WeChat Pay, which is affiliated with Tencent.WeChat Pay is not only a payment tool but also a social media platform, making it convenient for users to make transactions with friends and family.It has also gained popularity among Chinese tourists traveling abroad, as they can use the platform to make payments in foreign countries.The Chinese government has been promoting the use of mobile payment to promote financial inclusion and to encourage the country"s digital economy.The government has also implemented strict regulations to ensure the security and stability of the mobile payment industry.Despite the convenience and efficiency of mobile payment, there are also some concerns.For example, some people worry about the security of mobile payment systems, as they may be vulnerable to cyber attacks and fraud.Additionally, the over-reliance on mobile payment may lead to a decrease in the use of cash, which can have negative effects on people who do not have access to mobile payment platforms.In conclusion, mobile payment has become an essential part of daily life in China, with Alipay and WeChat Pay being the most popular platforms.The Chinese government is promoting the use of mobile payment to boost the country"s digital economy, while also implementing regulations to ensure the security and stability of the industry.However, there are also some concerns about the security and impact of mobile payment on cash usage.。
移动支付外文翻译文献
移动⽀付外⽂翻译⽂献⽂献信息：⽂献标题：Exploring Consumer Decision-making Processes Regarding the Adoption of Mobile Payments: A Qualitative Study（探索采⽤移动⽀付的消费者决策过程：定性研究）国外作者：Raden Agoeng Bhimasta，Budi Suprapto⽂献出处：《Journal of Management and Marketing Review》，2017,2(3):108-115字数统计：英⽂3993单词，21736字符；中⽂6929汉字外⽂⽂献：Exploring Consumer Decision-making Processes Regarding the Adoption of Mobile Payments: A Qualitative Study AbstractObjective–The main objective of this study is to gain deeper understanding on the decision-making process of how and why consumers are adopting mobile payment in Indonesia.Methodology/Technique–The study was a qualitative study that included an experiment to the research design. A total of six young people were voluntarily participated in the study. Our finding provides explanation of salient factors that might drive or hinder the adoption in five different stages of innovation-diffusion process.Findings–Overall, our finding indicated that the attractiveness of rewards was an intriguing factor that greatly influences consumer decision whether to use mobile payment or not.Novelty–The uniqueness of our study lies on the use of innovative approaches to address the mobile payment adoption issues from different perspective than prior literatures.Type of Paper: Empirical.Keywords: Consumers’Decision-Making; Financial Technology; Innovation- Decision Process; Mobile Payment Adoption; Technology Adoption.1.IntroductionMobile payment is one of the most innovative services that enabled consumers to use their phones as wallets in various transactions (Dahlberg, Mallat, Ondrus, & Zmijewska, 2008). Billions of dollars have been invested in the development of mobile payment facilities by a number of companies worldwide with a significant profit yield (Yang, Lu, Gupta, Cao, & Zhang, 2012). Paypal (Wolfe, 2007) and Alipay (To & Lai, 2014) are two examples of successful mobile payment services that have generated tremendous profits.Some countries, such as Suica in Japan, have very high adoption rates of mobile payment services (Amoroso and Magnier-Watanabe, 2012). However, despite the advantages offered and the successful use of mobile payment services worldwide, it’s uptake is somewhat slower in developing countries compared to in developed countries (Ewe & Yap, 2011). For example, in Indonesia, developing countries, consumers show a lack of familiarity and willingness to use mobile payment services (Mastercard, 2012). As a consequence, only 1% of total transactions in Indonesia are made by using mobile payment services (APJII and UI, 2015). Traditional methods such as cash and card payments, therefore, remain the most popular payment methods among Indonesians.In line with this phenomenon, research on the adoption of mobile payment options has increased in recent years (Dennehy & Sammon, 2015). The existing literature is dominated by quantitative studies and only a few qualitative studies have been conducted by researchers such as Mallat (2007), Shuhaiber and Lehman (2013) and Zhao and Kurnia (2014). Despite many studies being conducted continuously for the past few years, almost all of them have focused on essentially the same topics and have produced similar findings, therefore, failing to propose innovative investigations (Dahlberg, Guo & Ondrus, 2015). Hence, there is a need for innovation in the study ofthe adoption of mobile payment services.The main objective of this study is to investigate the decision-making processes regarded how and why consumers adopt mobile payment services in Indonesia. Unlike other prior qualitative studies, this study will also include the use of an experiment. The results will reveal the salient factors influencing consumers’decision-making processes when adoptingmobile payment services in five different stages of innovation- diffusion processes (Rogers, 2003). By doing so, this study will theoretically contribute to the present understanding of the adoption of mobile payment services, particularly in developing countries, and expand the diversity of existing literature in the mobile payment area. The study may also provide practical guidance for mobile payment providers in developing countries in general and mobile payment providers in Indonesia in particular.An overview of previous qualitative studies on the adoption of mobile payment services as well as mobile banking services will be followed by the research methodology. Next, the findings of this study will be presented. The study concludes with a discussion of the implications of the findings. Finally, the conclusion will highlight limitations and suggestions for future research.2.Literature ReviewThis study adopts a wider scope in the search of literature by examining both the adoption of mobile payment services as well as other forms of mobile banking. In this study, the literature examined is limited to qualitative studies researching the consumers’perspective, rather than examining those studies that focus on the retailer’s perspective, such as those conducted by Petrova and Wang (2013) and Thoi (2015).Mallat (2007) had carried out a qualitative study exploring consumer adoption of mobile payments in Helsinki, Finland by conducting six different focus-group discussions. The results of that study conclude that several adoption factors including relative advantage, compatibility, complexity, costs, network externality, trust, and perceived security risks all affect consumers when choosing whether or not to use mobile payment services. The results also described contributing factors that coulddrive or hinder each influencing factor. In addition, the results indicate that the effect of relative advantage is dynamic depending on the situation.Ewe and Yap (2011) conducted a study aimed at creating a deeper understanding of the adoption of mobile banking among Malaysians through the use of focus group discussions. Similar to Mallat’s (2007) findings, this study suggests that banks should consider the importance of relative advantage, complexity, perceived risk, network externalities, awareness, and knowledge.Shuhaiber and Lehman (2013) also conducted studies involving four focus-group discussions in four different UAE main cities, exploring customer trust in the adoption of mobile payments services in B2C transactions. The study concludes that customers’trust in B2C mobile payment is influenced by the customers’characteristics, mobile-device characteristics, perceived risk, environmental factors, and provider characteristics.Zhao and Kurnia (2014) explore consumer adoption of mobile payment in China.18 participants from different cities in China were interviewed through online chatting tools. The findings indicate that there are several reasons why participants use mobile payments including the user’s characteristics, system quality, service quality, cost, usefulness, social influences, trust, user’s satisfaction, and user’s needs.Ahmed, Almotairi, Ullah, and Alam (2014) conducted a qualitative study on the adoption of mobile banking in Saudi Arabia using the TAM model as their theoretical underpinning. In order to collect data, two focus- group discussions were conducted with different groups of people. The finding suggest that customers prefer to use m-banking products which are easy to use which gives them an advantage over other forms of payment. The results also conclude that consumers are also influenced by their own awareness and knowledge, risk, cost, and past experience.3.MethodologyIn this study, a natural experimentation was conducted before the interviews with participants. The experiment enabled the researchers to capture the behavioralchanges in consumers’decision-making process. Thus, the findings provide a deep understanding on consumer behaviour towards the adoption of mobile payment options. This approach provides solid theoretical foundation to facilitate an understanding of the adoption of mobile payment options which may practically help managers and marketers to understand the important influential factors when making decisions regarding the use of mobile payment services.The scenario of the experiment is based on the diffusion-innovation process (Rogers, 2003) that consists of five stages: knowledge, persuasion, decision, implementation, and confirmation. During the two-week experimentation, participants were required to complete several tasks. First, participants were required to collect information related to various mobile payment products (Knowledge stage). A list of mobile payment providers was given to the participants. Second, participants were required to choose two mobile payment services that they would like to experiment (Persuasion and Decision stages). Finally, using the incentives given, participants were free to have transactions using those two preferred mobile paymentproducts (Implementation stage). Participants were encouraged to conduct experiments with the mobile payments in several scenarios.In order to capture the data, in-depth interviews were conducted. This was an appropriate method for this study as many open-ended questions were asked and relatively few people were involved in the study. The use of in-depth interviews also allowed each participant to spend more time actively sharing their thoughts on how and why they decided to adopt particular mobile payments while also avoiding distractions or other dominating factors.A total of six participants, who had never used any form of mobile payment previously, were voluntary recruited between the first week and second week of June 2016. A $40 gift was offered to each participant as an incentive. Two out of six participants were girls and the participants were aged between 25 and 30. Most of the participants were already familiar with either online banking or mobile banking. Typical transactions were conducted using either online or mobile banking including the payment of monthly bills, such as electricity and internet-cable, transfers to otheraccount, e-commerce transactions, and payments for train and air travel tickets.Each participant was interviewed individually at the end of August 2016. The time and place of the interviews were chosen by the individual participant, to ensure the comfort of the participants. Each interview lasted for around 1 to 1.5 hours. With the permission of the participants, the interviews were audio-recorded to ensure that all of the important points were captured. The questions were open-ended in nature in order to stimulate the participants to express various thoughts. Examples of questions asked include: “Why did you choose these mobile payment products?”and “What are some of the difficulties you faced when using the mobile payment?”. The interview started with the introduction of the topic and its objectives. The rights and the responsibilities of the respondents were also communicated at the beginning. In addition, in the last week of January 2017, each participant was contacted again for another interview, in order to capture additional insight to their post-purchase behaviour regarding the adoption of mobile payment options.The results of the interviews were then transcribed into a written format. The contents of the transcripts were analysed and similar lines were coded based on specific words, themes, or issues. This process was repeated to ensure that the coding was correct and consistent. It is possible that some of the revisions obtained during the January 2017 interviews will be applied to the final findings. It is also possible that some of the excerpts have been misplaced. Therefore, the analysis and the development of the theoretical underpinning for the adoption of mobile payment services can be made more effective. 4.Results4.1.Knowledge StageAs the participants searched information through different websites, the quality of the information is considered by them as a very important factor in their decision making process. They noted that the information displayed in a website must be informative, attractive, and convincing. They also mentioned that they did not like a website that uses too many words to explain something. They preferred pictures andvideos. In addition, they also found that some websites displayed outdated information, especially old promotions no longer in effect.“[...] It was very interesting. I could easily find its network. In addition, the videos were very helpful”(Man 3)“[...] Most promotions displayed were already expired”(Man 1)The study found that participants’decisions were influenced by others. Half of the participants asked either family members or friends regarding their previous experiences using mobile payments. They also used social media to look for information. As a result, they found information such as news articles or reviews that may have influenced their decision.“[...] My sister used it some time ago and she told me that she had a bad experience. She convinced me not to use a mobile wallet”(Man 3)“[...] I heard news that a group of people has successfully hacked the security of x wallet and stole the accounts database. It appears that the database is sold On the Internet”(Man 3)4.2.Persuasion StageIn this stage, the participants evaluated each of the mobile payment products based on specific criteria. Overall, all participants agreed that the most appealing factor of mobile payments was attractiveness of rewards offered. By using mobile payments, the participants noted that they could access certain benefits such as discounts, cashback, coupons, or points.“[...] The rewards offered become the most appealing factor to me. I could buy a cinema ticket or food from particular merchants with special prices”(Man 2)Furthermore, the attractiveness of rewards is influenced not only by how big the discount is but by many other factors such as compatibility with lifestyle, the terms and conditions, and availability of the merchants.“[...] Although they offered big discounts, I’m just not interested in it”(Girl 1) “[...] The discounts only apply to limited products”(Girl 2)“[...] The promotions offered were really interesting, but they are not availablein the city where I live. Thus, it is useless”(Man 3)4.3.Decision StageAfter gathering information on each of the mobile payment options, all of the participants were required to choose two mobile payments products. In the decision stage, the findings showed how the participants chose their preferred mobile payments. Participants not only compared the benefits offered by mobile payment services but also the benefits between mobile payments and other available methods. The attractiveness of rewards then became the main concern. Moreover, the rewards were considered as more attractive when it met the lifestyle or the needs of the participants, offered simple terms and conditions, and was available in their neighbourhood. The study found that most of the participants made similiar decisions when choosing the mobile payments for use during the implementation stage.4.4.Implementation StageThe implementation stage involved the use of the chosen mobile payment options during a two-week experimentation. In this stage, the findings indicate that infrastructure reliability played an important part in the adoption process. During registration, two participants continuously failed to register and this experiences lead to the rejection of the related mobile payment products. Some participants also experienced failure during transactions due to network unavailability. A participant also complained of the inconsistency between the information provided and the reality. This incident might greatly have influenced their decision.“[…] I am done with it. …. I have tried a couple of times to use my mobile payment account, but I keep failing”(Man 2).“[...] I ordered some food through the app and intended to pay with mobile payment, but I keep getting an error and the screen shows nothing”(Man 1) At this point, the consistency of information is also important. One of the participants came to a restaurant that was included in the list of merchants that accept the mobile payment and found out later that they don’t accept the mobile payment.“[...] I bought some food in a restaurant that was mentioned in the list of mobilepayment locations on the website. When I was about to pay, I found out that they don’t accept mobile payments”(Man 3)Participants further noted that the problem lies with uneducated employees who lacked the knowledge to handle the transaction using a mobile payment. As a result, the transactions become more time consuming than they should be and this is contrary to the advantages of mobile payment which make transactions faster and more convenient.“[...] Just when I told the cashier that I will pay with my mobile wallet, she told me that the scanner is broken, so I needed to pay with cash. I still insisted to only pay with mobile wallet since I did not bring enough cash. Finally, a senior employee came and helped us. He tried to scan the mobile wallet and it worked like a charm”(Man 1)“[...] The cashier looked confused, trying over and over and over but she could not enter the discount properly because it could only be used for a specific product. When I was ready to pay, the cashier even asked me how to do it”(Man 4)4.5.Confirmation StageIn the interviews, all participants agreed to continue to use mobile payments. Six months later, further interviews were conducted which sought to capture the participants’adoption of mobile payment. Overall, the findings indicate that the use of mobile payment is situational. In other words, mobile payments were treated as being complementary to cash payments, debit, and credit cards. All of the participants stated that they only used it when it was possible and in situations where the use of mobile payment offered rewards such as discounts or special prices compared to other methods. Our findings also indicated that participants considered the top-up cost in their decision.“[...] I deposited some cash in my account and it will come in handy in some situations”(Man 3)“[...] It is not possible because I don’t have enough in my acount and it will take time to top-up. So, I decided to use other methods to pay”(Man 1)“[...] I think the top-up cost is very high .... It is only worth using it when the mobile payment offers rewards”(Girl 2)The participant were asked to express their opinion about “why people do not adopt mobile payment?”. Most of the participants agreed that there is low awareness and knowledge of mobile payments that are available. The findings also suggest that mobile payment is not as convenient as other payment methods due to network externalities issues.“[...] I think they don’t put enough effort in raising the awareness of the existence of mobile payment. Take a case of McD for example. You can get a 20% discount which is very appealing, but the promotional material is too small that you will hardly notice it”(Girl 2)“[...] It is not like cash or debit where you can use it in almost any merchants without thinking. In contrast, I need to find which merchants are accepting mobile payment. Moreover, you can’t take back the money you store in”(Girl 1)5.Discussion and ImplicationThe aim of the research is to gain a deeper understanding of the decision-making process of consumers in adopting mobile payment services. Overall, the findings indicate that consumers have different consideration at different stages that may influence their decision-making. Although some of the factors are similar with previous studies (Mallat, 2007; Ewe & Yap, 2011), this study investigated these factors from a different perspective. The results also provide new findings, such as the importance of rewards and infrastructure quality, as well as providing a new perspectives on the development of a theoretical foundation in investigating the adoption of mobile payment behavior that that of existing literature.The findings revealed salient factors that may influence consumers in adopting mobile payments in each stage of adoption. In the knowledge stage, the study found that there is a lack of awareness and knowledge of mobile payment options. This finding is consistent with prior studies (Ewe & Yap, 2011; Ahmed et al., 2014). In addition, consumers appeared to use various communication channels to activelysearch information including websites, social media, as well as their friends and family. Thus, the findings suggest the importance of information quality. Moreover, perceived risk appeared to influence individuals’decisions, such as the risk of accounts being hacked or stolen. This finding is also consistent with prior literature (Mallat, 2007).Second, in the persuasion stage, the findings suggest that participants were very concerned with the benefits being offered for using mobile payment. Rewards were considered the most attractive factor. This represents a departure from prior studies (Mallat, 2007; Ewe & Yap, 2011) which show that the benefits of using mobile payment were focused on its efficiency. However, it must be noted that the attractiveness of rewards was perceived differently by each individual. Compatibility, complexity of terms and condition, and rewards availability were identified to influence the attractiveness of rewards. These findings are considered as new discoveries. Therefore, the findings suggested a need for further investigation of the influence of the attractiveness of rewards on consumers’intention to use mobile payment methods.Third, in the decision stage, the findings show that participants will compare the value of using mobile payment and other payment methods (e.g. cash, debit, credit). In this study, the value was associated with the total amount of the transaction. In the experiment, the study shows that participants chose mobile payment methods that provide rewards that are appealing to them, therefore providing greater value to the individual consumer.Next, in the implementation stage, participants proceeded to use mobile payments. In this state, the findings suggest that system quality and service quality can potentially create bad experiences that might lead to rejection of the mobile payment method. Finally, the findings indicate that the participants used mobile wallet in addition to cash, debit cards, and credit cards. When participants were attracted by the rewards and where it was practically possible, they would use the mobile wallet. The findings also suggest the importance of network externalities that could increase the usefulness and convenience of mobile payment. Otherwise, the current behaviourwill not change.To increase the adoption and use of mobile payment, the most effective strategy is to offer rewards to consumers. Thus, marketers should focus on developing appealing rewards. In the case of young people, marketers should consider the needs and the lifestyle of these age groups. The findings suggest that marketers should expand their network by teaming up with cinemas, restaurants, conveniences stores, public transport services, and educational institutions. Marketers should also make the terms and conditions of the rewards as simple as possible and make the duration of the rewards program as long as possible.Our findings also suggest that marketers may increase the adoption of mobile payments by strengthening the awareness and knowledge of those services. For example, a marketer may create a small registration booth in the merchant where the rewards are offered. As a result, consumers will be able to instantly register on the spot and receive the rewards at the same time. In addition, the findings also suggest that marketers should increase the quality of information available. Marketers should create more visual presentations rather than text presentation on their websites, mobile apps, instant massaging, and social networks as consumer prefer videos and images. Marketers should also emphasize the security features of their system as consumers may be influenced by the potential risks such as the possibility of their account being hacked andstolen.The findings indicate that mobile payment providers should strengthen the quality of their systems as the failure of these system might hinder the adoption of their services. It is also suggested that employees should be educated in using mobile payment and in addressing various issues that may arise during mobile payment transactions to avoid unpleasant outcomes for consumers.6.ConclusionIn conclusion, this study provides a rich insight into the consumer decision-making behavior when adopting mobile payment methods in Indonesia. In contrast to existing literature, this study included an experiment in the research designwhich revealed the salient factors that may affect consumers’decision making in five different stages of the innovation diffusion process.However, this study is not without limitations. First, while the findings provide a deeper understanding of the adoption of mobile payment, the findings are not able to be generalized due to the limited number of participants. Second, all the participants fall into one age group, which does not account for the different results that may result from examining different age groups.It is suggested that future research should follow the present study by conducting quantitative validation tests based on the present findings in the case of developing countries, especially Indonesia. Researchers should further investigate the influence of the attractiveness of rewards to consumers’intention to use mobile payment. In addition, future research should adopt different methods and perspectives in order to deepen the understanding of the adoption of mobile payment by consumers.中⽂译⽂：探索采⽤移动⽀付的消费者决策过程：定性研究摘要⽬的—本研究的主要⽬的是更深⼊地了解印度尼西亚消费者采⽤移动⽀付⽅式的决策过程。
移动支付在中国的情况英语作文
Mobile Payment in China: RevolutionizingCommerceIn the digital age, mobile payment has become a ubiquitous part of daily life in China, revolutionizing the way people conduct transactions and interact with the economy. Driven by innovative technology, consumer convenience, and the rise of a cashless society, mobile payment has gained widespread acceptance and is now an integral part of Chinese society.The adoption of mobile payment in China can be traced back to the early 2000s, when the first wave of mobile internet services began to emerge. However, it was notuntil the late 2010s that mobile payment truly exploded onto the scene, with the launch of services like Alipay and WeChat Pay. These platforms offered convenient, secure, and efficient payment solutions that seamlessly integrated with users' smartphones and social media accounts.The success of mobile payment in China can beattributed to several factors. Firstly, the widespread ownership of smartphones and the high penetration of mobile internet have created a fertile ground for mobile paymentservices. Secondly, the Chinese government has beenactively promoting the development of a cashless society, providing incentives and regulatory support to encourage the adoption of mobile payment. Thirdly, the Chinese consumer culture values convenience and efficiency, making mobile payment a natural fit for daily life.The impact of mobile payment on Chinese society has been profound. It has not only made transactions faster and easier but has also opened up new possibilities for businesses and consumers. Merchants can now accept payments from anywhere at any time, without the need for physical cash registers or bank cards. Consumers can make payments with just a few taps on their smartphones, whether they are shopping online, dining out, or paying for public transportation.Moreover, mobile payment has also given rise to a new breed of financial services, such as peer-to-peer lending, digital wallets, and mobile insurance. These services have further expanded the reach of finance and made it more accessible to the general population. By providing convenient access to financial products and services,mobile payment has helped to reduce financial exclusion and promote inclusive growth.However, the rise of mobile payment has also presented some challenges. Security concerns have been a persistent issue, as the proliferation of mobile payment has made it a target for cybercriminals. To address these concerns, mobile payment providers have implemented robust security measures, including encryption technology and fraud detection systems.Despite these challenges, the future of mobile payment in China looks bright. With continuous technological innovation and evolving consumer demands, mobile payment is expected to continue to evolve and expand its reach into new areas such as smart cities, digital healthcare, and the Internet of Things.In conclusion, mobile payment has revolutionized commerce in China, transforming the way people conduct transactions and interact with the economy. Its widespread adoption and integration into daily life have opened up new possibilities for businesses and consumers, while also posing some challenges that need to be addressed. As mobilepayment continues to evolve and adapt to changing consumer demands and technological advancements, it will play an increasingly important role in shaping the future of Chinese society.**移动支付在中国：商业革命**在数字时代，移动支付已经成为中国日常生活中不可或缺的一部分，它改变了人们的交易方式和与经济互动的形式。
英语作文移动支付的情况
英语作文移动支付的情况The Evolution and Impact of Mobile Payments.In recent years, mobile payments have revolutionizedthe way we conduct financial transactions, offering unprecedented convenience and efficiency. This shift from traditional payment methods to digital alternatives hasbeen driven by several key factors, including the widespread adoption of smartphones, the development of secure payment technologies, and the increasing acceptanceof mobile payments by merchants and service providers.The rise of mobile payments can be traced back to the early 2000s, when the first mobile phones with basicinternet capabilities became available. These early phones allowed users to access the internet and perform basictasks such as checking email and browsing websites. However, it was not until the mid-2010s that mobile payments truly began to take off, with the advent of smartphones and advanced mobile applications.Smartphones, equipped with powerful processors, high-resolution screens, and fast internet connections, provided the perfect platform for mobile payments. This was coupled with the development of secure payment technologies such as Near Field Communication (NFC) and encryption algorithmsthat ensured the safety and privacy of transactions. These technologies allowed users to securely store their credit card information on their phones and make payments bysimply tapping their phones against compatible payment terminals.The widespread adoption of mobile payments has had a profound impact on society. One of the most significant benefits is the convenience it offers. With mobile payments, consumers can make payments quickly and easily, without having to carry cash or plastic cards. This has not only made shopping and dining out more convenient but has also enabled the emergence of new business models and services.For merchants, mobile payments have also brought numerous advantages. By accepting mobile payments,merchants can process transactions faster, reduce the risk of fraud, and improve customer satisfaction. Additionally, mobile payments provide merchants with access to a wealth of data that can be used to understand customer behavior, optimize pricing strategies, and personalize marketing campaigns.However, the rise of mobile payments has not been without its challenges. One of the main concerns is the security of personal and financial information stored on mobile devices. Although advanced encryption and security measures are employed to protect this information, the potential for data breaches and hacks remains a valid concern.Another challenge is the issue of digital divide, where those without access to smartphones or the internet are excluded from the benefits of mobile payments. This has the potential to create social and economic disparities, as those who are unable to access mobile payments may be left behind in terms of access to services and opportunities.Despite these challenges, the future of mobile payments looks bright. With the continued development of secure payment technologies and the increasing availability of smartphones and internet access, mobile payments are expected to become even more widespread and integrated into our daily lives. In the coming years, we can expect to see the emergence of new payment methods and technologies that further enhance the convenience and security of mobile payments.In conclusion, mobile payments have revolutionized the way we conduct financial transactions, offering unprecedented convenience and efficiency. While they present some challenges, such as security concerns and the digital divide, the overall impact of mobile payments on society has been positive. As we move forward, it is important to continue to address these challenges and ensure that mobile payments remain secure, inclusive, and accessible to all.。
中国移动支付发展英语作文
The Evolution of Mobile Payment in China In the past decade, China has witnessed a remarkable transformation in its payment landscape, with mobile payment emerging as a leading force in this revolution. The widespread adoption of mobile phones and the internet, coupled with innovative technologies and policies, has catapulted China to the forefront of mobile payment development globally.The journey of mobile payment in China began with the introduction of the first mobile payment platform, Alipay, in 2004. Initially, it was a solution for online transactions, but its popularity soon led to its expansion into offline payments as well. Following Alipay's lead, Tencent's WeChat Pay also emerged as a strong contender in the mobile payment market, offering similar services with its own unique features.The key to the rapid growth of mobile payment in China lies in its convenience, accessibility, and security. With just a few taps on a smartphone, users can make payments, transfer money, and even pay bills seamlessly. The integration of mobile payment with various online andoffline services, such as e-commerce, transportation, and utility payments, has further simplified daily life for Chinese consumers.Moreover, the Chinese government has played a pivotal role in promoting mobile payment. Initiatives like "Cashless City" and "Internet Plus" have encouraged businesses and individuals to adopt digital payments, thus driving the growth of the mobile payment industry. Additionally, strict regulations and security measures have ensured the safety and reliability of mobile payment transactions.The impact of mobile payment in China is profound. It has not only revolutionized the way people pay but has also transformed the economy, society, and even culture. Mobile payment has fostered the growth of e-commerce, digital economy, and fintech companies, creating millions of jobs and driving innovation. It has also bridged the gap between urban and rural areas, enabling rural communities to access financial services and participate in the digital economy. In conclusion, the development of mobile payment in China is a testament to the power of technology andinnovation. It has not only simplified daily life but has also driven economic growth and societal progress. As China continues to embrace digitalization, mobile payment will continue to play a pivotal role in shaping the future of finance and beyond.**中国移动支付的发展**在过去的十年里，中国支付领域发生了巨大的变革，移动支付成为了这场革命的领军力量。
移动支付在中国使用情况英语作文
Mobile Payment in China: A Revolution inConvenienceIn the modern era of technology, mobile payment has become a significant aspect of daily life in China. This revolutionary payment method has not only simplified transactions but has also transformed the way people shop, dine, travel, and conduct business. The widespread adoption of mobile payment in China is a testament to its convenience, security, and efficiency.The popularity of mobile payment in China can be attributed to several factors. Firstly, the infrastructure for mobile payment is highly developed in China. The country has an extensive network of internet-connected mobile phones and a robust financial system that supports secure transactions. This enables consumers to make payments using their smartphones with ease.Secondly, the Chinese government has played a pivotal role in promoting mobile payment. It has encouraged the development of mobile payment platforms and provided incentives to businesses that adopt this payment method. Additionally, the government has implemented strictregulations to ensure the security and transparency of mobile payments, thus increasing consumer trust.Thirdly, mobile payment offers a high degree of convenience to users. With just a few taps on their smartphones, consumers can make payments for goods and services without the need for cash or cards. This convenience has been a major driving force behind the rapid adoption of mobile payment in China.Moreover, mobile payment has also revolutionized the way businesses operate in China. Merchants can accept payments quickly and securely, reducing the need for cash handling and improving cash flow. This has enabled businesses to offer more convenient services and improve customer satisfaction.In conclusion, mobile payment has become a ubiquitous part of life in China,革命性地改变了人们的支付方式和生活方式。
英语作文了解移动支付在中国的使用情况
英语作文了解移动支付在中国的使用情况Mobile Payments in China: A Game-Changer for Kids!Hi there, friends! Today, I want to share with you something really cool that has become a part of our daily lives in China –mobile payments! I know, I know, it might sound like a boring grown-up thing, but trust me, it's actually super exciting and has made our lives so much easier.Let me start by explaining what mobile payments are. Essentially, it's a way for us to pay for things using our smartphones or tablets, instead of carrying around cash or cards. It's like having a digital wallet right in our pockets! Isn't that awesome?In China, the two main mobile payment platforms are WeChat Pay and Alipay. You've probably heard your parents or older siblings talk about them. These apps make it easy for us to pay for all sorts of things, from buying snacks and drinks to paying for school supplies or even donating money to charity.One of the coolest things about mobile payments is how convenient they are. Remember when we used to have to ask our parents for cash every time we wanted to buy something? Thosedays are gone! Now, we can simply scan a QR code with our phone and pay for our favorite treats or toys without any fuss.But that's not all! Mobile payments have also made it easier for us to do chores around the house or run errands for our parents. For example, if our parents ask us to pick up some groceries on the way home from school, we can just use our mobile payment app to pay for them without carrying cash. How cool is that?Another great thing about mobile payments is that they're really safe and secure. Our parents don't have to worry about us losing cash or getting our wallets stolen. All the payment information is stored securely on our phones, and we can even set up passwords or fingerprint recognition to make sure no one else can access our accounts.Speaking of saving up, did you know that some mobile payment apps even allow us to earn rewards or collect virtual "red packets" (hongbao)? It's like getting free money just for using the app! How awesome is that?Now, I know what you might be thinking: "But what if I don't have a smartphone or my parents don't let me use mobile payments?" Don't worry, my friends! Mobile payments arebecoming so popular in China that even schools and other places are starting to accept them.For example, some schools have set up systems where we can use mobile payments to buy our lunch or snacks from the cafeteria. Imagine how cool it would be to skip the long lines and just scan a QR code to get your favorite meal!So, what do you think? Are you excited to start using mobile payments too? I know I can't wait to explore all the cool features and possibilities they offer. Who knows, maybe one day we'll be able to pay for everything with just a few taps on our phones!Well, that's all for now, friends. Remember, with great power comes great responsibility, so make sure to use mobile payments wisely and always follow your parents' guidance. Happy paying!。
移动支付在中国使用情况的英语作文
移动支付在中国使用情况的英语作文(中英文版)The prevalence of mobile payment in China has revolutionized the way people conduct transactions.It is an undeniable fact that China has become a global leader in the realm of mobile payment technology.With the advent of Alipay and WeChat Pay, the landscape of payment methods has been drastically altered, leading to a cashless society where convenience is paramount.移动支付在中国的普及已经彻底改变了人们的交易方式。
不可否认，中国已经成为移动支付技术的全球领导者。
随着支付宝和微信支付的出现，支付方式的格局发生了巨大变化，催生了一个以便利性为首要的无现金社会。
In a bustling city like Shanghai, for instance, it"s hard to find a street vendor or shop that doesn"t accept mobile payments.The integration of mobile payment platforms into everyday life has made it possible for people to pay for goods and services with just a few taps on their smartphones, making life more efficient and hassle-free.例如，在繁华的上海，很难找到一个不接受移动支付的街头小贩或商店。
移动支付在中国的情况英语作文
移动支付在中国的情况英语作文English: Mobile payment has become extremely popular in China, revolutionizing the way people conduct transactions. With the widespread adoption of smartphones and the convenience offeredby mobile payment platforms such as Alipay and WeChat Pay, cash is becoming increasingly obsolete. People can use their phones to pay for everything from groceries and meals to transportation and utility bills. The ease of use, security features, and incentives like discounts and cashback rewards have further fueled the growth of mobile payment in China. In fact, mobile payment has become so ingrainedin Chinese society that some businesses no longer accept cash as a form of payment. This shift towards a cashless society has not only simplified transactions for consumers but also facilitated data collection for businesses, allowing them to better understand consumer behavior and preferences. Overall, mobile payment has undoubtedly transformed the way people in China interact with money and conduct daily transactions.中文翻译: 移动支付在中国变得极为流行，彻底改变了人们进行交易的方式。
移动支付在中国的使用情况英语作文
移动支付在中国的使用情况英语作文English:Mobile payment has become extremely popular in China, with platforms such as Alipay and WeChat Pay dominating the market. The convenience and efficiency of mobile payments have revolutionized the way people in China conduct financial transactions. Whether it's shopping in stores, ordering food online, or transferring money to friends, mobile payment has made life easier for millionsof Chinese consumers. In fact, many businesses in China now only accept mobile payments, completely phasing out cash transactions. The widespread adoption of mobile payment has also extended to public transportation, with users being able to simply scan a QR code to pay for buses, subways, and even taxis. The government has also been supportive of mobile payment, using it as a way to stimulate consumer spending and boost economic growth. Overall, mobile payment has seamlessly integrated into everyday life in China, making transactions quicker, safer, and more convenient for both consumers and businesses.中文翻译:移动支付在中国已经变得非常流行，支付宝和微信支付等平台占据了市场主导地位。
移动支付在中国的使用情况英语作文
Mobile Payment in China: A RevolutionaryLeap in Technology and ConvenienceIn the digital age, mobile payment has emerged as a revolutionary trend that has revolutionized the payment landscape globally, and China stands at the forefront of this transformation. The adoption and usage of mobile payment in China are unprecedented, marking a significant milestone in the country's financial technology innovation. The widespread use of mobile payment in China can be attributed to several factors. Firstly, the Chinese government's push towards digitization and financial inclusivity has played a pivotal role. Initiatives such as the "Cashless City" project have encouraged businesses and consumers to adopt digital payment methods, thereby driving the growth of mobile payment systems. Secondly, the extensive infrastructure and technology advancements in the country have facilitated the seamless integration of mobile payment into daily life. The widespread availability of high-speed internet, smartphones, and advanced mobile applications have made mobile payment convenient and accessible to the masses.One of the most prominent mobile payment platforms in China is Alipay, owned by Ant Group. With over a billion registered users, Alipay has become a household name in the country, offering a range of services beyond just payments. Users can pay bills, buy groceries, book tickets, and even invest through this single app. The app's integration with various merchants and service providers has made it a one-stop-shop for all financial needs.Another significant player in the mobile payment industry is WeChat Pay, the payment solution affiliated with Tencent's popular messaging app WeChat. With its user-friendly interface and seamless integration with social media, WeChat Pay has also achieved immense popularity among Chinese consumers. From shopping to dining, and even paying for taxi rides, WeChat Pay has simplified the payment process, eliminating the need for cash or cards.The benefits of mobile payment in China are numerous.It has significantly reduced the dependency on cash, making transactions safer and more convenient. Mobile payment apps often offer discounts and rewards, incentivizing consumers to adopt this payment method. Furthermore, mobile paymenthas also促进了金融包容性，使得偏远地区和弱势群体也能够享受到便捷的金融服务。
对移动支付的看法作文英语
对移动支付的看法作文英语Title: The Evolution of Mobile Payment: A ParadigmShift in Financial Transactions。
In today's fast-paced world, the landscape of financial transactions is continuously evolving, with mobile payment emerging as a dominant force. Mobile payment, facilitated through smartphones and other digital devices, has revolutionized the way we conduct monetary transactions. This essay delves into the multifaceted aspects of mobile payment and offers insights into its impact on society, economy, and individual convenience.First and foremost, mobile payment offers unparalleled convenience and accessibility. With just a few taps on a smartphone screen, individuals can effortlessly transfer funds, pay bills, and make purchases from anywhere at any time. This convenience eliminates the need for physical cash or cards, streamlining the transaction process and enhancing efficiency. Moreover, mobile payment platformsoften integrate additional features such as loyalty programs, rewards, and budgeting tools, further enhancing user experience and incentivizing digital transactions.Furthermore, mobile payment fosters financial inclusion by providing access to banking services for underserved populations. In many developing regions, traditionalbanking infrastructure is limited, making it challengingfor individuals to access basic financial services. However, with the widespread adoption of smartphones, even those in remote areas can now participate in the formal financial system through mobile payment solutions. This inclusion not only empowers individuals economically but also contributes to broader socio-economic development.Additionally, mobile payment offers enhanced security compared to traditional payment methods. Advancedencryption technologies and biometric authentication methods employed by mobile payment platforms significantly reduce the risk of fraud and unauthorized access. Moreover, the digitization of transactions enables real-time monitoring and detection of suspicious activities, furtherbolstering security measures. As a result, consumers can transact with confidence, knowing that their financial information is protected.Moreover, the rise of mobile payment has profound implications for businesses, particularly small and medium enterprises (SMEs). Mobile payment solutions enable SMEs to accept digital payments without the need for expensive point-of-sale systems or traditional merchant accounts. This lower barrier to entry empowers small businesses to compete more effectively in the digital economy and reach a broader customer base. Additionally, mobile payment data analytics provide valuable insights into consumer behavior, enabling businesses to tailor their products and marketing strategies more effectively.However, despite its numerous benefits, mobile payment also poses challenges and concerns. One significant issue is the digital divide, where individuals lacking access to smartphones or reliable internet connectivity are excluded from the benefits of mobile payment. Bridging this gap requires concerted efforts from governments, private sectorstakeholders, and civil society to ensure equitable accessto digital infrastructure and technology.Furthermore, privacy and data security concerns have emerged as prominent issues in the era of mobile payment. The collection and storage of vast amounts of personal and financial data by mobile payment providers raise questions about privacy rights and the potential for misuse or unauthorized access. Robust regulatory frameworks and industry standards are necessary to safeguard consumer data and ensure transparency and accountability in data handling practices.In conclusion, mobile payment represents atransformative shift in the way financial transactions are conducted, offering unparalleled convenience, accessibility, and security. Its widespread adoption has the potential to foster financial inclusion, empower businesses, and drive economic growth. However, addressing challenges such as the digital divide and privacy concerns is crucial tomaximizing the benefits of mobile payment while mitigating associated risks. By embracing innovation, collaboration,and responsible governance, mobile payment can truly revolutionize the way we engage with the financial system in the digital age.。
过去、现在和未来的移动支付研究外文翻译(可编辑)
过去、现在和未来的移动支付研究外文翻译（可编辑）过去、现在和未来的移动支付研究外文翻译外文翻译Mobile Payment Market and Research ? Past, Present and FutureMaterial Source: Helsinki School of Economics ,Electronic Commerce Research and ApplicationsAuthor: Tomi Dahlberg, Niina Mallat The mobile payment market is currently under transition with a history of numerous tried and failed solutions and a future of promising but yet uncertain possibilities with contactless RFID and other new potential technologies. At this point of the development we take a look at the current state of the mobile payment market, review prior literature on mobile payment services, analyze the different factors that impact the market, and give directions for future research on this still emerging field. Tofacilitate the analysis, we propose a framework of four contingency and five competitive factors, and organize the contemporary mobile payment research under the proposed framework1IntroductionMobile phones have transformed telephony during the past 15 years.As devices, mobile phones have for a long time been equipped with functionalities which far exceed the needs of telephony, and haveinspired the development of value added mobile services, the use of mobile phonesas access devices, and mobile commerce in general. These developments open very lucrative opportunities to merchants and service providers. There are more mobile phones than any other device that can be used to market, sell, produce or provide products and services Purchased products and services have to be paid for. Initially, fixed line telephony billing systems were modified to charge mobile telephony and other mobile services as such services emerged. The deployment of mobile telecom billing systems is still the most typical way to charge for mobile commerce transactions. However, payment services based on billing systems have several limitations. These include high payment transaction fees, merchant and service provider complaints about unfair revenue sharing, and necessity to provision services to billing systems with limited roaming of mobile commerce transactions between mobile networks. In some areas, such as European Union, payment services to third parties require a limited credit institution license. Lack of suitable payment instruments has for a long time been regarded as a factor that hampers seriously the development of mobile commerce In late 1990s and early 2000s mobile payment services became a hot topic and remained so even after the burst of the Internet hype. Mobile payments attracted also researchers, e.g., Dahlberg et al. 2003a; 2003b, Ondrus and Pigneur 2004, Pousttchi 2003, and Zmijewska et al. 2004b. Hundreds of mobile payment services as well as access to electronic payment and Internet banking were introduced all over the world. Strikingly many of these efforts failed. For example, most if not all ofthe dozens of mobile payment services available in EU countries and listed in the ePSO database in 2002 Carat, 2002 have been discontinued. The difference to the rapid diffusion of the Visa Electron smart card or eBay/PayPal is striking. Why have Visa Electron and PayPal succeeded in where mobile payment services failedOne answer could be that mobile technologies were not sufficiently mature and easy to use and therefore failed to attract consumers, merchants and banks. Now there seems to be a new wave of interest towards mobile payment services inspired by the above described needs and new technology based innovations, especially contactless vending and ticketing, and RFID radio frequency identificationBefore new mobile payment services are launched, it is important to understand what previous studies have discovered about the acceptance of mobile payment services and about mobile services markets, and also what issues have remained unanswered. In line with Zmijewska and Lawrence 2005 we propose that multi faceted answers are required to answer questions such as why mobile payment services have not diffused, or what the impacts of various mobile payment services market factors on the development of these services are The aim of this paper is to summarize findings from past mobile payment services market research, and to suggestvenues for future research. This is done with the help of a proposed framework. The main contributions of our paper are the framework itself, and the ability of the framework to compress findings of mobile servicesadoption, strategy and business models, security and trust, and other studies, as well as its ability to propose meaningful venues for future research. By using the framework, existing findings can be better understood and applied, both by industry when implementing their practical solutions, and by researchers studying mobile payments. The framework not only helps to explain the existing body of knowledge in each framework category, but it also provides a "big picture", or an overview, illustrating how the various perspectives fit together. It also reveals the gaps in literature, and therefore indicates what future research needs to focus on2.Context of the study - mobile payment services marketMobile payments are payments for goods, services, and bills/invoices with a mobile device such as a mobile phone, smart-phone, or Personal Digital Assistant by taking advantage of wireless and other communication technologies such as mobile telecommunications networks, or proximity technologies. Mobile devices can be used in a variety of payment scenarios such as payment for digital content e.g. ring tones, logos, news, music, or games, concert or flight tickets, parking fees, and bus, tram, train and taxi fares, or to access and use electronic payment services to pay bills and invoices. Payments for physical goods are also possible, both at vending and ticketing machines, and at manned Point-of-Sale terminals. Typical usage entails the user electing to make a mobile payment, being connected to a server via the mobile device to perform authentication and authorization, and subsequentlybeing presented with confirmation of the completed transaction Antovski & Gusev, 2003; Ding & Hampe, 2003bA mobile payment service comprises of all technologies that are offered to the user as well as all tasks that the payment service providers perform to commit payment transactions. A mobile payment service may include several parties. Many issues such as the power and the interests of the parties, legal and regulatory environment, and payment culture impact the orchestration of technologies and tasks into a mobile payment serviceA mobile payment as any other payment is carried out by using a specific payment instrument such as cash, credit card, or mobile phone wallet. In addition to pure mobile payment instruments, most electronic and many physical payment instruments have been “mobilized”. Payments fall broadly into two categories; payments for purchases and payments of bills/invoices. In payments for purchases mobile payments compete with or complement cash, checks, credit cards, and debit cards. In payments of bills/invoices mobile payments typically provide access to account based payments such as money transfers, Internet banking payments,or direct debit assignments.To conclude; when the mobile payment services market is investigated it is important to keep in mind that many contingency and competitive factors impact this market, and that mobile payment services compete with advanced physical and electronic payment services. To succeed, mobile payment services have to be competitive with other paymentservices in all payment situations, with the exception of genuine mobile services, where mobile payment services are a natural choice. For these reasons a multi faceted framework is needed to describe both the mobile payment services market and research regarding this market.译文过去、现在和未来的移动支付研究资料来源: 赫尔辛基经济学校,电子商务研究和应用作者:TomiDahlberg, Niina Mallat移动支付市场目前正处于转型期,在过去做了很多尝试,出现了一些失败的解决方案,而未来却仍有很好的发展前途。
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毕业论文(设计)外文翻译一、外文原文标题:Pasｔ,pｒesent and futuｒe of mobile ｐaymeｎts researｃｈ: Ａliteｒature ｒeviｅw原文：The mobile ｐaymenｔｓｅｒｖｉces marｋets are ｃuｒrent ｌy ｕnｄer traｎｓitioｎｗｉth a history of numｅrｏｕs tried aｎｄfａｉled solutioｎs，ａnd a fｕtu ｏf proｍisｉｎg ｂut yet uｎcｅｒtain possibilities with potｅnｔiａｌnｅｗｔｅchｎoｌogy iｎnovａtiｏｎs. At thｉｓpoint of the devｅlopmeｎt, ｗe ｔaｋe a loｏk ａｔｔhe cｕrrent stａte of the ｍobｉle paymｅnｔｓerviceｓｍａrｋet ｆｒｏm ａlｉｔeｒａｔure reｖieｗperspective. Ｗe reｖiew prior literatuｒe oｎmｏｂｐayments, aｎａlyze the vaｒiｏuｓfａｃtoｒs thａt impact ｍoｂile paymeｎｔserｖiｃｅｓmａrkeｔs, a ｎd suggesｔdiｒectiｏnｓfoｒｆutｕｒｅresｅarcｈin the stilｌemerｇｉｎg field．To fａcilｉtate thｅanalysis of lｉterature, ｗｅproｐose a fra ｍework of ｆour contiｎgenｃｙand fivｅcompetitｉve ｆｏｒcｅfａctｏｒaｎd orgaｎiｚe thｅmobilｅpaｙmenｔresｅaｒch under ｔｈｅproｐoｓed frａmeworｋ. Conｓuｍer pｅrｓｐeｃtiｖｅoｆmｏｂiｌe ｐａｙmenｔs as ｗell as technｉc security and ｔrusｔaｒe best covered by ｃoｎtemporａry research．Ｔhe iｍpａctｓｏf soｃial and ｃｕltuｒａl facｔoｒs ｏn mobile ｐaｙmｅnts，ａs wｅlｌcompａriｓons betwｅen mｏbｉlｅaｎｄtｒａｄi ｔionａl ｐaymｅnｔservices arｅｅｎtirelｙuninｖｅsｔigatｅd ｉssｕes. Mｏｓt of tｈe fａctoｒｓoutlined ｂｙｆraｍeworｋhave been addrｅｓsed ｂｙexplｏratory and early phaｓe studies.Mobile ｐｈones havｅtranｓfｏrmed ｔeleｐhony ｐrofｏundlｙ. Theｙarｅｅquipped wｉtｈfunｃｔiｏnalities ｗｈich suｒpaｓｓteleｐｈoｎy need ｓ, aｎd wｈich insｐire the develoｐment ｏf vａlue-adｄｅd mobile ｓｅrｖices, ｔｈe use oｆmobile phones as ａccｅｓs ｄevices, and mobiｌe cｏmmerce ｉn gｅnｅraｌ. Tｈe nuｍbeｒｏf moｂｉｌe phｏneｓiｎｕｓe ｆａr excｅeｄs ａny oｔher techniｃal deｖｉｃes ｔhat could be used ｔｏmaｒket，sｅｌl, ｐrodｕｃe，or deliver pｒoｄuｃts ａｎｄｓerｖices to ｃonsｕmers．These developmｅｎts open lucｒａtｉve ｏｐportuniｔies to ｍerchaｎts aｎｄservｉce provｉdｅrs.Purchasｅｄｐrｏduｃtｓand sｅrｖｉcｅs have tｏbｅpaｉｄfor．Ｉniｔｉalｌy，fiｘｅｄ-ｌiｎe telepｈoｎy bｉlling ｓｙstems weｒｅmoｄｉfied tｏｃｈarge mobile ｔｅlephony．Ｌaｔer, mobｉｌｅｔelepｈony bill ｉｎｇsyｓｔeｍｓwｅre iｎtroｄｕcｅd, and usｅd alｓｏto chａｒge vaｒｉous ｍobｉle serｖices wｈｅn sｕch serｖｉcｅs emeｒｇed. Yeｔ, ｐａymentｓbaｓed on bｉlｌｉnｇsysteｍs haｖe ｓeｖeｒaｌlimiｔａtｉons. Tｈese inclｕｄｅcompaｒativｅｌｙhigh payment transactioｎfeｅｓ, ｍeｒｃhant ａnd sｅrｖice prｏvideｒcoｍｐlaints ａbｏuｔunfair rｅvenue shａring，anｄtｈe neｃｅsｓｉty to ｐrovisioｎservicｅs ｔo biｌliｎg systems [６6,8０]. Iｎsｏmｅarｅas, sucｈas tｈe Eｕｒoｐean Uｎion, cｒedｉtｅd paｙmｅn ｔservices to thｉｒd paｒtｉes ｒｅquirｅ a (limited) ｃrｅｄit instｉtution liceｎｓｅ. The ｌaｃk of suｉｔable ｐaｙ-meｎt ｉｎstrumentｓhas for along tｉmｅbeen ｒegaｒｄed aｓ a factor ｔhat ｈaｍｐｅrs the ｄｅｖeloｐｍｅnｔｏf mｏbiｌｅｃommｅrｃｅ．Mobｉｌe paymeｎtｓare paｙmeｎts ｆor ｇooｄs, sｅrviｃes，aｎd bi ｌｌｓwｉｔh a mobiｌe devｉce （suｃh ａs a ｍoｂile pｈone, smart-ｐｈoｎe, or personal digｉｔal aｓｓiｓtａnt (PDA））by taking aｄｖａntage ｏf wirelesｓand othｅｒcoｍmunication ｔechnoｌoｇies. Ｍoｂilｅdevｉces ｃan ｂe ｕsed iｎa ｖａｒiｅty of ｐａymeｎt scｅnarios，ｓｕch as p ａｙｍent for ｄｉgital coｎtｅｎｔ(ｅ．ｇ., riｎg toｎes, ｌoｇｏs, news, ｍusi ｃ, oｒgames), ｔiｃkeｔｓ, pａrkｉnｇfeｅs ａｎd tｒanspｏrｔｆａrｅs, or tｏaccess eleｃtronic pａｙmｅｎt ｓeｒvicｅs to paｙbills anｄiｎvoices．Paymentｓｆｏｒｐhysical gｏods are ａｌso possｉble, both aｔvending anｄticｋetinｇｍacｈｉnes, anｄat ｍaｎｎｅｄpｏint-of-sａle (ＰＯS) teｒminals.A mobile ｐaｙment is ｃａrrｉeｄoｕt witｈ a ｍｏbｉle payment inｓtrｕmenｔsucｈ a mobile creｄit carｄor ａmoｂiｌe wallet. In adｄition to pure ｍobiｌｅpaymｅnt instrumｅntｓ, mosｔeleｃtｒｏnｉｃand ｍany phｙｓica ｌpayｍenｔiｎstruments hａve beｅn ｍｏbiliｚed. Fｕrtｈermorｅ, moｂi ｌe paｙｍents, as ａlｌｏtｈer ｐａymｅnts, fall bｒoａdlｙiｎto ｔwo categoriｅs: ｐaymｅnｔｓfor dａily purｃhaｓes，anｄpaｙmeｎts of bｉlls （crｅdｉteｄｐaymｅnts). For pｕrchaseｓ, mobｉｌe paymenｔs cｏｍpｌemen ｔor comｐｅｔe wｉth cash, cheques, creｄiｔcaｒds, and debit cardｓ. For bills，ｍobile pａymeｎts ｔｙpicaｌly prｏvｉｄe accｅss ｔｏaccoｕnｔ-baseｄpayｍeｎt ｉnｓtruments ｓuｃｈａs moｎey traｎsfers, Iｎtｅrnｅt banking ｐａyments, ｄiｒｅｃt debit assiｇｎｍentｓ, or elecｔｒoｎiｃinｖoice ａccｅptａnｃｅ.In ｔhe ｅarly 2000s，mｏbile payment ｓｅrviceｓbeｃamｅ a hot tｏｐiｃaｎd remainｅｄso ｅvｅｎａfter the burst of ｔhe Intｅrnet hyｐe．Ｈundreｄs of mobile ｐaymｅnt ｓeｒvicｅs，iｎcｌｕdiｎｇaｃｃess to electrｏｎic ｐaymenｔs ａnd Iｎtｅrnｅｔbanｋinｇ，ｗｅre iｎtroduｃed all over ｔhe ｗorld. Stｒikingｌy ｍａnｙof tｈese orts failｅd. Foｒｅxａmｐｌe, ｍost, ｉf not aｌl，of thｅdｏzens of ｍｏｂｉｌe paｙment sｅｒvｉceｓavaila ｂle iｎEＵｃouｎtrieｓand ｌisted iｎｔhe ePSO ｄataｂase iｎ2002 [5] haｖe been dｉscontｉnuｅd. To faciｌitａte thｅdevｅlｏpｍｅnt oｆｂｅtter mｏbilｅpaｙment ｓerviｃｅs, it is importaｎt to ｕndｅrstaｎd the lessons oｆhiｓｈｉstorｙby ｌｅarning wｈat prevｉoｕｓstudies hａvｅｄiｓcoveｒeｄaｂouｔｍobile paｙmeｎtｓaｎd ａbouｔthe ｍｏbｉｌe ｐａym ｅｎt ｓervｉｃｅs markeｔs, ａｓwelｌas wｈat iｓsuｅs have ｒemained unａnsweｒeｄ．Tｈe aiｍoｆｔhis pａｐer iｓtｏsummａrize findinｇs ｆrom past mobile ｐayments resｅａｒch, aｎd to sｕｇgeｓt prｏmisｉｎg ｄiｒｅcｔions f ｏr fｕture rｅsearch. Thｅre aｒｅ a nuｍber ｏf faｃtｏrs tｈａｔhighliｇht tｈe sigｎificａnce and uｓeｆuｌｎｅss ｏf ｓuch ａliteraｔure ｒｅｖiew．Firstl ｙ, the field hａs seeｎ a growiｎｇｎumber ｏf ｐublicatiｏns, yeｔ a ｔhorougｈreｖiew ｏｆeｘisｔｉｎg work is miｓｓｉｎg. Ｔhe ｌaｃk ofｐuｂlished lｉteratｕre revｉews ｉmpedes the pｒｏgress in ｔｈｅfield；ｒevi ｅw ａrtｉcleｓare ｃritiｃal tｏstrengtheｎｉng ａｎaｒeａas a field of study ［88]. Sｅcondly，ｒesearch so ｆar sｅｅms fragmented, ａｎｄlacｋs ａｒoaｄmap or ａｎagendａ．Reｖiｅwｉng ｅxisting literａturｅｎoｔonlｙｌeads ｔo a better uｎdersｔａnding ｏf the staｔe ｏf ｔhｅｒesｅarch ｉn the fieｌd, but it aｌso dｉsｃｅrns pattｅrns ｉｎthe dｅｖelopmｅnt ｏf thｅfieｌｄｉtselｆ. Ｆinally, ａsyntheｓiｓof ｅxiｓｔing findings all ｏws ｒesearchｅrs not to rｅｐeat similａr ｗｏrｋ, aｎｄdiｓｃover impｏrtanｔgaps. Iｎoｔhｅr words, iｔclｏses aｒｅaｓwｈere a pleｔｈoｒa of reseａrｃh ａlreａdy exiｓts, and at the same tiｍｅunｃovｅrｓthosｅaｒｅaｓwhere researｃh iｓｌａｃkｉng [８8].Ａnoｔheｒcｏnｔrｉbution oｆｔｈis ｌiteｒatｕre review iｓthe ｐro ｐosed thｅoretiｃal framｅwork，aｒoｕｎｄwhich ｔhe rｅvｉeｗis orｇa ｎized. Wｅbster ａnd Wａtson [８8] recｏmmenｄthaｔthe best rｅviews neｅd to bｅconceptually ｓｔrｕctured, anｄbased on a guｉｄｉｎｇtheoｒy. Our f ｒamewｏrk pｒovides a guｉｄing sｔｒｕｃture that allowｓus ｔｏeffｅctｉvely aｃｃumulaｔe knｏwl edge, and to intｅrｐｒet previｏus fiｎdings. Ｂeｃaｕｓｅthe frａme wｏｒｋitsｅlｆaims to exｐlain relevanｔfactoｒs in the ｍobiｌe ｐａyment serviｃes maｒｋet, basing ｔhｅｌitｅｒaｔure rｅvieｗｏn ｔhe frameｗoｒk ensures tｈat ｔhe rｅvｉew is comprehｅnsivｅaｎｄｈｏliｓｔic, aｎd reveａｌs ｒesｅarｃh gａps thａt ｃould otheｒwise be oｖer ｌooked. Tｈe framｅworｋｎot onｌｙhelpｓｔo ｅｘplａin the exｉsting boｄy oｆkｎoｗｌｅdge ｏn ｅaｃh factor oｆthｅframｅwork，ｂuｔ，mｏrｅimpoｒtａntlｙ, it ａlso ｐroｖideｓａn ｏveｒvｉew of the mobile payｍent seｒvicｅｓmarket, ｉlｌuｓtratｉnｇhoｗtｈe vａriｏｕｓperspecｔivｅｓand resｅarｃｈfindings fit togetｈeｒａs pａrｔｏｆthe big pｉｃｔuｒe.The fｒamｅwｏrk ｕsed for ｔhe rｅviｅw of ｌiｔerature aｐplies two ｇuidｉｎｇthｅories. They ａｒe thｅfivｅfoｒces moｄel deｖeloped by Porter [68］, and the ｇｅｎeric conｔingency theoｒy whiｃh emerｇｅｄｆrom the work of Lawrｅnce anｄLorch Ｐｅrrow and Thompｓｏn [81]. Tｈｅfrａmework ｉs uｓed ｔo ｃlassify ｐast reｓearch, ｔｏanａlｙｚe ｒeｓｅarｃｈfindings ｏf classified ｓtｕdies, ａnd to ｐｒoｐose meａninｇful reseａｒch quesｔions for ｆuture ｒeseａｒch fｏｒeach factor．Tｈe ｐriｍe actｏｒs iｎtｈｅmobiｌe paymeｎｔservｉces ｍaｒket are mobile ｐaymeｎt serｖｉcｅprovidｅrs and their cuｓtoｍers. Variouｓｐarties assuming ｔhｅse rolｅs in ｔhe mａrkeｔincｌuｄe consｕmers，me ｒcｈants, finaｎcｉａl iｎｓｔｉtutions aｎd tｅlｅcoｍｏperatｏｒs. Adｄiti ｏnal pａｒtieｓ，tyｐiｃally vｅndorｓof hａnd ｓetｓ, soｆtwaｒe，ｎetwo ｒks and other tｅcｈｎologies ｍａｙａｌso bｅｉnｖｏlved．The ｐower ａnd the interests of theｓe ｐａrtiｅs impacｔｈoｗtechnolｏgies aｎｄother resources ａre ｏrｃheｓtｒaｔｅｄinｔo mobile pａｙment seｒｖices, and how thｅｓe sｅrviceｓare oreｄｔo and usｅd by the market. Ｍorｅｏｖer，mobｉle payｍeｎt servｉcｅｓcompeｔｅfor ｔｈe attｅｎtioｎｏfcｕsｔomerｓand otｈeｒpartｉes ａgainｓｔphysiｃaｌaｎｄelectronｉc payｍent ｓｅrvｉｃeｓ. Moｂile payment services ａre a ｎatｕrａｌchｏｉce tｏpay foｒmｏbｉle ｓervicｅs．Ｙet，ｔo ｓuｃcｅed，ｍobile ｐａyment serviｃes may ｈａｖe to offｅr ａdded vaｌuｅand be avａiｌａble for oｔher relevant paｙmeｎt ｅｎｖiｒｏｎｍｅｎｔs ａｓwelｌ.Poｒter’s [68］coｍｐetiｔiｖe fａctorｓstrａtｅgｙmoｄel, or the five forｃes moｄel，ｄeｓｃｒibｅs ｂoth the ｋey ｒole ｏf ａｍobile paｙｍeｎt service proｖideｒ, ａｎd otｈer maｒｋet fａctoｒs. Tｈｅmodel a ｐｐlｉｅs ｉnｓights from indｕstriaｌｏｒｇanｉzatｉon theｏrｙto ａnaｌyze ｔｈe competiｔivｅenviｒonmenｔon the levｅl of bｕsinｅss units [3］, ａnd ｒelaｔes tｈｅaverａge pｒｏfitabilｉty of tｈe paｒticｉｐａntｓiｎan ｉnduｓtry ｔo compeｔitive ｆｏrｃes [3０］. The basic prｏpｏsitioｎis that orgａｎｉzａtionａl peｒformance ｍａinｌy depｅｎｄs on tｈe indusｔｒy structure. Ａccoｒding to Peａrce and Robiｎsｏn [６5] and Ｊohｎson [2９]，the stｒengｔhｓof Pｏrter’s model are tｈａt ｉｔｐrovｉdes one s ｉmｐｌe aｐproaｃh to anaｌyｚe inｄｕstry struｃｔｕre, idｅntify aｎd determinｅthｅattrａｃtｉｖeness of an indｕstry, reveal insights on profitabiｌity, iｎｆorm importａnｔdeciｓions abｏｕｔwhethｅｒto leａve or enter iｎｄustｒies or ｓectors，aｎｄdeveｌop stratｅｇic optiｏnｓｔｏiｍｐrove relatｉｖｅperformanｃe in ｔhｅｉndustry or ｉnfluｅnce rｅlativｅｐoｓｉｔion in the inｄusｔry. As ｏｎe oｆthe most ｉnflueｎtial managｅmｅｎｔtooｌs for sｔrategic induｓｔry aｎａlysｉs ［3], tｈｅmodel has been apｐlｉedby nｕｍerous practiｔioners ａｎd ａcａｄｅmｉｃｓ[30]. Thｅaｂovｅargumｅnts sｕgｇest tｈat the modｅl is ｗｅll suited to guiｄe tｈe claｓsificatio ｎof litｅｒａｔuｒe on tｈe mobile payments serviceｓmarkets．In additiｏn tｏthe ｃｏmｐetitive fｏrcｅs ｗithin the moｂilｅpaymｅnts ｓerｖiｃes maｒkets, other factoｒｓare ｂelieｖｅd ｔｏimpact these maｒkｅts as wｅll, fｏr examｐｌe, tｅcｈnolｏｇy and stａｎdａｒds, regulatory a ｃtiｖiｔｉes anｄlegiｓlａｔｉon, eｓtab lished puｒchａsｅand ｐayｍｅｎt ｈaｂiｔs, or nａｔｉonal economy inｆｒaｓtｒucturｅs．If ｗｅｒegard a ｍobｉlｅpａyment sｅrｖices market as tｈｅｕnit oｆａｎalyｓｉs (orgａnization), theｓe oｔher ｆａｃｔoｒs becｏｍｅconｔiｎgency ｆａctoｒｓ，ｗhｉｃh influenｃe the pｅｒｆoｒmancｅｏf the unit buｔａｒe beyond the inflｕeｎcｅａnｄcoｎtｒol ｏｆthat uniｔ, ａs definｅｄin the contiｎgｅncy theory. Conｔingeｎcy theｏrｙtｈｅｒｅfore ｉs also wｅｌl suｉted to claｓｓify mobｉle payments ｒesｅarch and to caｐtuｒｅthe ｅnviｒonmentａl facｔorｓwｈicｈaｒe ｃharacteriｓtic to tｈe ｍobile ｐａymeｎｔsｅrvices markｅts .Thｅrootｓof ｃoｎtingｅncｙtheory arｅｔypiｃａlｌy seeｎin ｏｐen syｓtｅms ｔheｏry ａnd iｎCyerｔ–Simon–Maｒch stｒｅam ｏf tｈe ｏｒy （ｅ.g., ［23,89])．Contingeｎｃy theory emphasｉzeｓthe ｉmporｔａncｅof eｎｖironmental ｉｎfluｅnｃes, espｅcially ｔechｎｏｌｏgy, on thｅmａnagｅment of oｒｇanｉzａｔions，and suggesｔｓtｈａt tｈere iｓno single best waｙto manage or oｒganｉｚe. The identifiｃation of contｉｎgｅnｃy facｔors iｓonｅtypｉｃal research tｈeme. Ｉn aｄｄiｔｉon to ｔechnology, other typiｃal conｔｉngｅnｃy ｆａctors iｎclude cultural，sｏｃial and econｏmｉc faｃｔors．In the cｏntexｔof mobile ｐayment sｅrviｃｅs mar ｋeｔs, it is natural tｏｉncludｅｒeguｌation，jurisdｉcｔｉon anｄsｔandardizatiｏn faｃtｏrs too becaｕse finａncial serｖiceｓａnd telecommunｉcatｉon are amｏng tｈe moｓｔrｅｇulａｔed industｒｉｅs, and tｈe ｕｓe ｏｆｓtanｄａrｄs ｉｓchaｒactｅｒistic ｔｏtelｅｃommunication.Two featurｅs of ｃonｔinｇｅｎcy thｅory maｋe iｔusefuｌfor ouｒpｕrposes．Contingｅｎcy theoｒy ｉs deｓcribｅd ａs a miｄｒanｇe thｅory w ｈich ｆalls ｂｅｔwｅｅn tｗｏｅxｔrｅｍe viｅｗs [21,89］. Aｃcording ｔo ｏne eｘｔreme view, iｔｉｓpｏｓｓibｌe to find unｉveｒsally true thｅories，ｗherｅas ｔｈe other ｏnｅclaiｍs thaｔｅach unit oｆaｎalysis is unｉque and hａs to ｂｅanalyzed ｂaｓed on sitｕational ｆactｏrs. Ｃｏｎｔingency theory ｐｏstulates that ｅnvirｏｎｍental fａｃtｏrs are ｉmｐortant ｂut ａｌsｏthａt the iｍｐacts oｆenｖｉronmeｎtａl faｃtｏｒs ａre systematic, rａthｅｒtｈaｎeｎtｉｒely situatioｎal. Tｈe contingeｎcy apｐroacｈｉs useｆul fｏｒthe cｌａssifiｃation of moｂiｌe ｐayment reseaｒch, ｓince, fｏｒexample，mobile pａymeｎｔsｅrvｉces diｅｒbetween ｍarkｅts, sｕch aｓJapａn, ｖaｒious Eｕrｏpｅan cｏｕntrｉeｓ, or ｔｈe UＳA，ｂut tｈｅy dｏso in sysｔｅmatic ways, foｒinstance due to ｄiｅreｎcｅs in ｐａyment technｏｌogy infrastructuｒｅ, ｒegulatioｎ，ｌawｓ, ｏr ｈabits.Thｅｏｔhｅr usefuｌｆeatuｒe of contingencｙｔheoｒｙiｓthe‘‘environｍent –ｓtraｔegy –perfｏrmancｅ’’lｉｎk [21]．The ｔheory cｌａｉms ｔhat ｔhe enviroｎmｅnt, suｃｈａs thｅaｍount and tｙpe of rｅgulatioｎ，ｉmｐacts the struｃtｕre of the organizatiｏn, ｂy, for ｅxａmple, inflｕｅncｉng ｗｈich eｎtｉties ｈａve iｎｃｅntiveｓｔo beｃoｍe ｍobilｅｐaymｅｎｔservicｅｐrｏvｉders. Thiｓ, iｎtuｒn, imｐacｔs ｐｅｒｆoｒmａｎｃe, ｓuch aｓadopｔiｏn ｉｎteｒests oｆｍerｃhanｔｓand ｃoｎｓｕｍers. Aｎｏｔheｒｅxample ｉｓtｈaｔenhaｎｃed ｔechnｏlogy maｋeｓｉt pｏssible to pｒovide enｈａｎced serｖiｃeｓ, whiｃｈｉn ｔurn ｉncreases iｎterｅst towarｄｔhe servｉcｅs. Tｈe resultｉｎg frａmewｏｒk is preｓented iｎFig. 1. The framｅwork ｉs muｌｔi－facｅted sｉnce it includes bｏth mａrｋeｔfａctors and ｃontinｇency faｃtors. The inner fａcet of thｅｆrａmeｗork，tｈat is ｃompｅtｉtiｖｅfactoｒs, descrｉｂes ｔｈe five mａin cｏmpeｔitiｖe fｏrceｓｏf ｔhｅmoｂｉle paymｅnt seｒvices mａrkets. The oｕter ｆａcet oｆｔhe framewoｒk incｌｕｄｅs ｃontin ｇeｎcy factｏｒs, that ｉs，tｅchnoｌogｉcaｌ，sｏcial/cｕltural, cｏmmercial, ａnd legal/regｕlato ｒy/ｓtandａrdiｚatｉoｎ.Iｎaｄditiｏn to tｈe ｔheｏrｅticaｌbasis deｓｃｒibed abｏve, the framework has also been inflｕenced by reseaｒch mｏdelｓpropｏsed in eaｒlier ｓtuｄies [１0,28,2７]. Ｊayeｗardｅne and Ｆoleｙ[28] propｏｓｅｄthａｔｃhａnｇes in tｅcｈnoｌogｉcaｌ，cuｌtｕｒal, ｃommercial and legal facｔoｒs, tｏｇether with tｈe compeｔitive ｆorｃes oｆfinａnｃｉal sｅrｖｉcｅs market, dｒiｖｅfiｎancial serviceｓdeｖeｌopment. Ｊavａlgi ａnｄＲamｓey [2７] suggestｅｄthａt ｉnformａtion technoｌｏgy ａnｄｔeｌecｏmmunicａtion, social/ｃultｕraｌｃｏmｍｅrciaｌ, and goｖｅrｎｍent／leｇal fact ｏrs ｉｍpaｃｔthe diｕｓion ｏf gloｂａl eCommerce．Dahlｂerｇand Mallat [１0] combined thesｅtwo models ｔo descrｉbｅfactors wｈｉch ｃhaｒactｅrize ｍoｂｉle ｐａyment serｖiceｓmａｒkets and impaｃt tｈｅｄｉusion of tｈｅse seｒvices.We ｓｔress that the fraｍeworｋｃａn be usｅd aｓ a ｍetamoｄel to clasｓify thｅeｘiｓｔiｎg ｌｉteraｔure，ａnd as a resｅaｒch moｄel ｔo examinｅｔhｅdie renｔfactｏrs ｔhat iｎflｕeｎｃｅtｈe moｂiｌe ｐａｙmeｎts serｖiceｓmaｒket．Ｔhｅfｒａmｅwork iｓusｅful ｆor theｓｅpurposes bｅcausｅ: (1）it ｉs ｂaｓed ｏn guｉdiｎg tｈeｏriｅs, is ｃｏｎce ｐtually sｏunｄ, aｎｄdｒａwｓfrom prｅｖiｏus research; (2) iｔｈｅlps ｔo ｂring clarｉｔｙｔｏtｈｅmultiple topics and to tｈｅｖaｇue，coｎflictiｎg termｉnoｌoｇｙpｒeｓeｎt iｎprｏfｅｓsｉonａl aｎd acａdemiｃmobｉｌe payｍenｔliteratuｒe；aｎｄ（3) it shows ｃleaｒly ｗhａｔｆａctors imｐact ｔｈｅmｏbiｌe paymenｔs sｅrｖiｃes mａrｋet and serviceｓdeveｌopment, ａｎotｈer iｓsuｅin neeｄof clarｉｔy.出处:Tomi Ｄahlbｅrg .Eleｃtronｉc Commerｃe Ｒeseaｒch anｄＡpplications ７(2008）１６5–１81二、翻译文章标题：关于移动支付过去，现状，未来的文献综述译文:手机已经深刻地改变了电话史，他们具备的了普通电话所不具备的很多功能，比如说激励增值移动服务发展，作为接入设备使用的移动电话，以及通用移动商务的使用。