2017移動支付外文翻譯--一個人人共享的無現(xiàn)金社會確定消費者是否愿意采用移動支付服務（節(jié)選）

1、4000 英文單詞， 英文單詞，22500 英文字符，中文 英文字符，中文 6850 字文獻出處： 文獻出處：Humbani M, Wiese M. A Cashless Society for All: Determining Consumers’ Readiness to Adopt Mobile Payment Services[J]. Journal of African Business, 2017(1):1-21.A Cas

2、hless Society for All: Determining Consumers’ Readiness to Adopt Mobile Payment ServicesM. Humbani and M. WieseABSTRACTThe technology readiness index was applied to determine consumers’ readiness to adopt mobile payment

3、 services and the moderating effect of gender. Gender has been identified as a key variable in adoption and its vital role in market segmentation and gender empowerment obliges its inclusion. The results of the regr

4、ession analysis indicate that convenience and compatibility drive consumers’ adoption whereas risk, cost and insecurity are inhibitors. Furthermore, gender moderates only the relationship between convenience and the adop

5、tion of mobile payment services. Given the moderating effect of gender, companies should initiate advertising campaigns targeting women opinion leaders in advertisements, which can in turn encourage and educate other wom

6、en to enjoy the convenience of mobile payments. Results provide insights on how to increase adoption and reduce the gender gap in mobile payment services.KEYWORDSAdoption; technology readiness index (TRI); drivers; inhib

7、itors; mobile payment services; genderIntroductionThe rapid adoption of mobile phones and their role in the development of personal and professional activities has been one of the most important technological events in r

8、ecent decades (Liébana-Cabanillas, De Luna, and they are beginning to offer interesting advantageous new services (Kim, Mirusmonov, since consumers and mobile devices have become inseparable (Lee, Park, Chung, &a

9、mp; Blakeney, 2012).South Africa has the highest rate of smartphone and mobile penetration in Africa, representing 51% of smartphones and 133% mobile penetration, followed by Kenya with 31% of smartphones and 70% mobile

10、 penetration, and then, Nigeria with 29% and 72%, respectively determinants of mobile payment adoption in the context of an emerging economy. To realize this theoretical contribution, the study builds on the less-applied

11、 TRI in mobile payment adoption studies (Lin, Shih, & Sher, 2007) and adding other constructs that have been reported in the literatureto have a significant influence on consumers’ adoption of mobile payment servic

12、es.Secondly, from a practical perspective, understanding the factors that influence the adoption of mobile payment services would assist service providers to achieve a competitive advantage (Kim et al., 2010). Of particu

13、lar importance to managers of mobile payment services is how effectively to boost the number of users. The results of the study should help service providers more effectively to invest the appropriate time, effort and mo

14、ney in the development, provisions and marketing of mobile payment services (Kim et al., 2010).BackgroundMobile paymentsThe first example of mobile payments came in 1997 when Coca Cola introduced a limited number of vend

15、ing machines, from which the consumer could make a mobile purchase. The consumer would send a text message to the vending machine to set up payment and the machine would then release the product (Dahlberg, Guo, & Ond

16、rus, 2015). Mobile payment research started soon after the first mobile payment transaction in 1997 (Dahlberg et al., 2015). Since then, mobile payments have been subject to different conceptualizations.According to Li&#

17、233;bana-Cabanillas, Sánchez-Fernández, and Muñoz-Leiva (2014), mobile payment can be defined as any type of individual or business activity involving an electronic device with a connection to a mobile net

18、work, enabling the successful completion of an economic transaction. Mallat (2007) defines mobile payments as the use of a mobile device to conduct a payment transaction, in which money or funds are transferred from the

19、payer to the receiver via an intermediary, or directly, without an intermediary. Despite these conceptualizations, the mobile phone is emphasized as the key characteristic distinguishing mobile payments from other forms

20、of payments (Schierz, Schilke, & Wirtz, 2010).The above mobile payment definitions refer to some kind of monetary value transfer with three main entities: the mobile service provider (e.g., Standard Bank’s SnapScan),

21、 the mobile payment vendor (e.g., the merchant), and the mobile technology in use (e.g., 3G network) (Qasim & Abu-Shanab, 2015). For the purpose of this study, mobile payment is defined as the ability of a mobile pho

22、ne user to initiate, authorize, and complete a financial transaction, in which money or funds are transferred over the mobile network, or via the wireless communication technologies to the receiver through the use of a m

23、obile device (Slade et al., 2014).This definition is suitable for this study because it refers mainly to the completion of payments and transactions between three main parties (banks, mobile network service providers and

24、 retailers) in a fast, convenient, safe, and simple way, at anytime and anywhere, using a mobile device.Mobile payments can be categorized into various ways. According to Zhou (2013), mobile payments are categorized into

25、 remote payments and proximity payment options. Remote payments require the users to connect with the remote payment servers, in order to conduct payment, such as mobile banking and the mobile internet payment service. P

26、roximity payments, on the other hand, require the users to conduct payment via their mobile phones without connecting to the remote server, such as paying bus fares, meals at restaurants, as well as other services (Zhou,