[雙語翻譯]移動支付外文翻譯--消費者采用移動支付技術(shù)（英文）

1、Adoption of Mobile Payment Technology by ConsumersJamie Lynn Garrett, Robert Rodermund, NaRita Anderson, Sara Berkowitz and Cliff A. RobbKansas State UniversityThis study examined the use of mobile payments by American c

2、onsumers. Using a sample of 15,060 respondents from all 50 states and the District of Columbia, a profile of mobile payment users was developed. Respondents who were using mobile payments were more likely to be younger,

3、male, minorities, and to have a higher than average income. Results indicated that there were strong associations between mobile payment adoption and high cost debt (payday loans, auto-title loans, etc.), trouble with fi

4、nancial management (making ends meet), and credit card behavior (taking cash advances and paying over the limit fees). Results suggest that users of mobile payment technology were focused on convenience, and they might b

5、e prone to impulse spending. The potential impact of the increasing adoption of this technology is discussed.Keywords: diffusion of innovation; mobile payments; smart phones; technologyMobile technologies are increasingl

6、y commonplace and offer consumers a wide array of services and options. Eighty-seven percent of Americans owned a mobile phone in 2012, with over 50% owning a smartphone (Federal Reserve Board, 2013). The number of indiv

7、iduals with a mobile phone exceeds the number of individuals with a bank account (Porteous, 2006). The implications of these changes for consumer financial practices remain unknown as little research has explored this is

8、sue. Of central interest to this study is the degree to which the adoption of newer mobile technologies in personal finance is occurring. What is the purpose of adoption? Is it convenience or is it to assist consumers wi

9、th complex financial decisions? This study focuses on consumer adoption of newer financial technologies by examining the use of mobile payments. Global financial markets are increasingly becoming more complex as new prod

10、ucts and technologies have provided alternatives in how consumers conduct their financial affairs. At the same time, consumers are increasingly interconnected due to the Internet as a means of information exchange. Consu

11、mers can be connected via mobile devices such as laptops, tablets, and smart phones. Smartphones offer an array of services beyond simple voice and text communication to consumers. Consumers are increasingly willing to i

12、nteractAuthors’ Note: Jamie Lynn Garrett, Robert Rodermund, NaRita Anderson, and Sara Berkowitz are PhD students, and Cliff A. Robb, PhD, is an Associate Professor in the Family Studies and Human Services, Kansas State U

13、niversity. Please address correspondence to Cliff A. Robb, Family Studies and Human Services, Kansas State University, 313 Justin Hall, Manhattan, KS 66506; e-mail: cliffrobb@ksu.edu.Family and Consumer Sciences Research

14、 Journal, Vol. 42, No. 2, June 2014 358–368 DOI: 10.1111/fcsr.12069 © 2014 American Association of Family and Consumer Sciences358Based on his theory of diffusion of innovations, Rogers (2010) segmented those who ad

15、opt new technologies into five groups: innovators (2.5%), early adopters (13.5%), early majority (34%), later majority (34%, and laggards (16%). Based on this theory, the authors surmise that the estimated 13% of America

16、ns who used mobile payments in 2012 were innovators and early adopters. Rogers (2010) noted that education was a critical differentiating factor, as individuals with higher education levels were more likely to be innovat

17、ors or early adopters. To develop a model, the authors examined research on adoption of online banking as a point of comparison. Even though there were functional differences between online banking (paying bills and mana

18、ging accounts) and mobile payments (purchase of items with a mobile phone), the evolution of online banking can serve as a historical reference for adoption patterns and characteristics of users. About 7% of the U.S. pop

19、ulation used online banking in 1998, with estimated usage growing to 35% by 2004 (Bell, Hogarth, Lee, Eastwood, & Lee, 2004). Kolodinsky, Hogarth, and Hilgert (2004) noted positive associations between the intent to

20、 adopt online banking in the next 12 months and age, education, income, and net worth. This research indicates some association between financial management and online banking behavior, although the effect was small and

21、the data did not provide an indication of causality (Hogarth & Anguelov, 2004). There is less evidence on mobile banking behavior, although available data suggest that use of mobile banking services is growing, parti

22、cularly among smartphone owners (Federal Reserve Board, 2013). Most consumer research on mobile payments focuses on their acceptance, adoption, and use. Dahlberg et al. (2008) suggested that ease of use, usefulness, secu

23、rity, cost, and compatibility were the most important contributors to consumers’ utilization of mobile payments. This mirrors the more recent Federal Reserve Board report, which cites convenience as the primary reason fo

24、r use of mobile payments, noting that security concerns and a lack of suitable equipment such as a smart phone were the major deterrents (2013). Whereas research has been done on factors that lead individuals to adopt an

25、d use mobile payment systems, little is known with regard to how the use of mobile payment impacts spending behaviors. Studies on spending behavior have focused very narrowly on mobile payments as a potential contributor

26、 to impulse buying. Such studies tend to emphasize the benefits to merchants of mobile payments, positioning these services as a means of increasing consumer impulse spending (Alliance, 2008). Mallat and Tuunainen (2008)

27、 hypothesized that impulse purchases will increase as mobile payments become more common. From a consumer perspective, mobile payments have been promoted for the benefit of convenience, with little attention to the poten

28、tial downside of increased impulse spending.Credit Card UseThere are 177 million credit cardholders in the United States who possess nearly 610 million cards (Bankrate Online Network, 2011). As of March 2012, nearly two