簡(jiǎn)介:4000英文單詞,英文單詞,22500英文字符,中文英文字符,中文6850字文獻(xiàn)出處文獻(xiàn)出處HUMBANIM,WIESEMACASHLESSSOCIETYFORALLDETERMININGCONSUMERS’READINESSTOADOPTMOBILEPAYMENTSERVICESJJOURNALOFAFRICANBUSINESS,20171121ACASHLESSSOCIETYFORALLDETERMININGCONSUMERS’READINESSTOADOPTMOBILEPAYMENTSERVICESMHUMBANIANDMWIESEABSTRACTTHETECHNOLOGYREADINESSINDEXWASAPPLIEDTODETERMINECONSUMERS’READINESSTOADOPTMOBILEPAYMENTSERVICESANDTHEMODERATINGEFFECTOFGENDERGENDERHASBEENIDENTIFIEDASAKEYVARIABLEINADOPTIONANDITSVITALROLEINMARKETSEGMENTATIONANDGENDEREMPOWERMENTOBLIGESITSINCLUSIONTHERESULTSOFTHEREGRESSIONANALYSISINDICATETHATCONVENIENCEANDCOMPATIBILITYDRIVECONSUMERS’ADOPTIONWHEREASRISK,COSTANDINSECURITYAREINHIBITORSFURTHERMORE,GENDERMODERATESONLYTHERELATIONSHIPBETWEENCONVENIENCEANDTHEADOPTIONOFMOBILEPAYMENTSERVICESGIVENTHEMODERATINGEFFECTOFGENDER,COMPANIESSHOULDINITIATEADVERTISINGCAMPAIGNSTARGETINGWOMENOPINIONLEADERSINADVERTISEMENTS,WHICHCANINTURNENCOURAGEANDEDUCATEOTHERWOMENTOENJOYTHECONVENIENCEOFMOBILEPAYMENTSRESULTSPROVIDEINSIGHTSONHOWTOINCREASEADOPTIONANDREDUCETHEGENDERGAPINMOBILEPAYMENTSERVICESKEYWORDSADOPTIONTECHNOLOGYREADINESSINDEXTRIDRIVERSINHIBITORSMOBILEPAYMENTSERVICESGENDERINTRODUCTIONTHERAPIDADOPTIONOFMOBILEPHONESANDTHEIRROLEINTHEDEVELOPMENTOFPERSONALANDPROFESSIONALACTIVITIESHASBEENONEOFTHEMOSTIMPORTANTTECHNOLOGICALEVENTSINRECENTDECADESLIéBANACABANILLAS,DELUNA,ANDTHEYAREBEGINNINGTOOFFERINTERESTINGADVANTAGEOUSNEWSERVICESKIM,MIRUSMONOV,SINCECONSUMERSANDMOBILEDEVICESHAVEBECOMEINSEPARABLELEE,PARK,CHUNG,BLAKENEY,2012SOUTHAFRICAHASTHEHIGHESTRATEOFSMARTPHONEANDMOBILEPENETRATIONINAFRICA,REPRESENTING51OFSMARTPHONESAND133MOBILEPENETRATION,FOLLOWEDBYKENYAWITH31OFSMARTPHONESAND70MOBILEPENETRATION,ANDTHEN,NIGERIAWITH29AND72,RESPECTIVELYDETERMINANTSOFMOBILEPAYMENTADOPTIONINTHECONTEXTOFANEMERGINGECONOMYTOREALIZETHISTHEORETICALCONTRIBUTION,THESTUDYBUILDSONTHELESSAPPLIEDTRIINMOBILEPAYMENTADOPTIONSTUDIESLIN,SHIH,SHER,2007ANDADDINGOTHERCONSTRUCTSTHATHAVEBEENREPORTEDINTHELITERATURETOHAVEASIGNIFICANTINFLUENCEONCONSUMERS’ADOPTIONOFMOBILEPAYMENTSERVICESSECONDLY,FROMAPRACTICALPERSPECTIVE,UNDERSTANDINGTHEFACTORSTHATINFLUENCETHEADOPTIONOFMOBILEPAYMENTSERVICESWOULDASSISTSERVICEPROVIDERSTOACHIEVEACOMPETITIVEADVANTAGEKIMETAL,2010OFPARTICULARIMPORTANCETOMANAGERSOFMOBILEPAYMENTSERVICESISHOWEFFECTIVELYTOBOOSTTHENUMBEROFUSERSTHERESULTSOFTHESTUDYSHOULDHELPSERVICEPROVIDERSMOREEFFECTIVELYTOINVESTTHEAPPROPRIATETIME,EFFORTANDMONEYINTHEDEVELOPMENT,PROVISIONSANDMARKETINGOFMOBILEPAYMENTSERVICESKIMETAL,2010BACKGROUNDMOBILEPAYMENTSTHEFIRSTEXAMPLEOFMOBILEPAYMENTSCAMEIN1997WHENCOCACOLAINTRODUCEDALIMITEDNUMBEROFVENDINGMACHINES,FROMWHICHTHECONSUMERCOULDMAKEAMOBILEPURCHASETHECONSUMERWOULDSENDATEXTMESSAGETOTHEVENDINGMACHINETOSETUPPAYMENTANDTHEMACHINEWOULDTHENRELEASETHEPRODUCTDAHLBERG,GUO,ONDRUS,2015MOBILEPAYMENTRESEARCHSTARTEDSOONAFTERTHEFIRSTMOBILEPAYMENTTRANSACTIONIN1997DAHLBERGETAL,2015SINCETHEN,MOBILEPAYMENTSHAVEBEENSUBJECTTODIFFERENTCONCEPTUALIZATIONSACCORDINGTOLIéBANACABANILLAS,SáNCHEZFERNáNDEZ,ANDMU?OZLEIVA2014,MOBILEPAYMENTCANBEDEFINEDASANYTYPEOFINDIVIDUALORBUSINESSACTIVITYINVOLVINGANELECTRONICDEVICEWITHACONNECTIONTOAMOBILENETWORK,ENABLINGTHESUCCESSFULCOMPLETIONOFANECONOMICTRANSACTIONMALLAT2007DEFINESMOBILEPAYMENTSASTHEUSEOFAMOBILEDEVICETOCONDUCTAPAYMENTTRANSACTION,INWHICHMONEYORFUNDSARETRANSFERREDFROMTHEPAYERTOTHERECEIVERVIAANINTERMEDIARY,ORDIRECTLY,WITHOUTANINTERMEDIARYDESPITETHESECONCEPTUALIZATIONS,THEMOBILEPHONEISEMPHASIZEDASTHEKEYCHARACTERISTICDISTINGUISHINGMOBILEPAYMENTSFROMOTHERFORMSOFPAYMENTSSCHIERZ,SCHILKE,WIRTZ,2010THEABOVEMOBILEPAYMENTDEFINITIONSREFERTOSOMEKINDOFMONETARYVALUETRANSFERWITHTHREEMAINENTITIESTHEMOBILESERVICEPROVIDEREG,STANDARDBANK’SSNAPSCAN,THEMOBILEPAYMENTVENDOREG,THEMERCHANT,ANDTHEMOBILETECHNOLOGYINUSEEG,3GNETWORKQASIMABUSHANAB,2015FORTHEPURPOSEOFTHISSTUDY,MOBILEPAYMENTISDEFINEDASTHEABILITYOFAMOBILEPHONEUSERTOINITIATE,AUTHORIZE,ANDCOMPLETEAFINANCIALTRANSACTION,INWHICHMONEYORFUNDSARETRANSFERREDOVERTHEMOBILENETWORK,ORVIATHEWIRELESSCOMMUNICATIONTECHNOLOGIESTOTHERECEIVERTHROUGHTHEUSEOFAMOBILEDEVICESLADEETAL,2014THISDEFINITIONISSUITABLEFORTHISSTUDYBECAUSEITREFERSMAINLYTOTHECOMPLETIONOFPAYMENTSANDTRANSACTIONSBETWEENTHREEMAINPARTIESBANKS,MOBILENETWORKSERVICEPROVIDERSANDRETAILERSINAFAST,CONVENIENT,SAFE,ANDSIMPLEWAY,ATANYTIMEANDANYWHERE,USINGAMOBILEDEVICEMOBILEPAYMENTSCANBECATEGORIZEDINTOVARIOUSWAYSACCORDINGTOZHOU2013,MOBILEPAYMENTSARECATEGORIZEDINTOREMOTEPAYMENTSANDPROXIMITYPAYMENTOPTIONSREMOTEPAYMENTSREQUIRETHEUSERSTOCONNECTWITHTHEREMOTEPAYMENTSERVERS,INORDERTOCONDUCTPAYMENT,SUCHASMOBILEBANKINGANDTHEMOBILEINTERNETPAYMENTSERVICEPROXIMITYPAYMENTS,ONTHEOTHERHAND,REQUIRETHEUSERSTOCONDUCTPAYMENTVIATHEIRMOBILEPHONESWITHOUTCONNECTINGTOTHEREMOTESERVER,SUCHASPAYINGBUSFARES,MEALSATRESTAURANTS,ASWELLASOTHERSERVICESZHOU,2013
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上傳時(shí)間:2024-03-15
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