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.。
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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。