[雙語(yǔ)翻譯]移動(dòng)支付外文翻譯--消費(fèi)者采用移動(dòng)支付技術(shù)

1、3600 英文單詞， 英文單詞，2 萬(wàn)英文字符，中文 萬(wàn)英文字符，中文 6600 字文獻(xiàn)出處： 文獻(xiàn)出處：Lynn G J, Robert R, Narita A, et al. Adoption of Mobile Payment Technology by Consumers[J]. Family mobile payments; smart phones; technologyMobile technologies are in

2、creasingly 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

3、 of individuals 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 explore

4、d this issue. 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 con

5、sumers with 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

6、new products 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 exchang

7、e. Consumers 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 will

8、ing to interact with financial service providers online and through social platforms which allow mobile access to financial services 24 hr a day, 7 days per week, rendering distance from physical branch locations insigni

9、ficant (Ascher, 2013; Chui et al., 2012).In any quarter, nearly 60% of Internet users in the U.S. visit at least one of the top 20 financial institution sites. Wells Fargo business customers electronically deposited 468

10、million-plus paperless checks worth over $1 trillion in 2009 (WellsFargo.com, 2009). Individuals can view bank balances or transfer funds using their smartphones or tablets (Federal Reserve Board, 2013). Online-only fina

11、ncial service providers, such as Ally Bank, ING Direct, and PerkStreet, have begun to establish a foothold in the market with highly competitive products (Ascher, 2013; Griffith, 2011). Mobile devices have become a viabl

12、e means of accessing online banking services and they are increasingly used to make onsite purchases. Smart phones can be scanned or swiped in the same manner as a debit or credit card at the point of sale (POS), further

13、 reducing transaction is less evidence on mobile banking behavior, although available data suggest that use of mobile banking services is growing, particularly among smartphone owners (Federal Reserve Board, 2013).Most c

14、onsumer research on mobile payments focuses on their acceptance, adoption, and use. Dahlberg et al. (2008) suggested that ease of use, usefulness, security, cost, and compatibility were the most important contributors to

15、 consumers’ utilization of mobile payments. This mirrors the more recent Federal Reserve Board report, which cites convenience as the primary reason for use of mobile payments, noting that security concerns and a lack of

16、 suitable equipment such as a smart phone were the major deterrents (2013).Whereas research has been done on factors that lead individuals to adopt and use mobile payment systems, little is known with regard to how the u

17、se of mobile payment impacts spending behaviors. Studies on spending behavior have focused very narrowly on mobile payments as a potential contributor to impulse buying. Such studies tend to emphasize the benefits to me

18、rchants of mobile payments, positioning these services as a means of increasing consumer impulse spending (Alliance, 2008). Mallat and Tuunainen (2008) hypothesized that impulse purchases will increase as mobile payments

19、 become more common. From a consumer perspective, mobile payments have been promoted for the benefit of convenience, with little attention to the potential downside of increased impulse spending.Credit Card UseThere ar

20、e 177 million credit cardholders in the United States who possess nearly 610 million cards (Bankrate Online Network, 2011). As of March 2012, nearly two in five (39%) Americans revolve, month-to-month, consumer debt of c

21、lose to $852 billion (CreditCards.com, n.d.; Federal Reserve, 2013). Credit cards are unique because they are a transaction medium (convenience) and a form of short-term borrowing. Historical data show that during the se

22、cond half of the 20th Century, the revolving component of consumer credit increased relative to income, while the nonrevolving component decreased (Durkin, 2000). These findings are supported by Kim and DeVaney (2001) wh

23、o noted a general rise in total debt, especially revolving debt, since the 1970s.Many critics have blamed credit cards for the emphasis on current consumption over long-term planning and saving (Feinberg, 1986; Pinto, Pa

24、rente, & Palmer, 2001). Effectively, the concept of saving is often marginalized whereas spending is viewed positively. Material possessions are often seen as determinants of one’s status, power, and self-worth (Robe

25、rts & Jones, 2001). Roberts and Jones (2001) noted that many consumers have been raised in an environment characterized by easy access to credit, which has contributed to more positive attitudes toward debt. Roberts

26、and Jones investigated the role money attitudes and credit card use play in compulsive buying among U.S. college students. Robert and Jones concluded that a student’s use of credit cards reinforced the relationship betwe

27、en his or her attitude toward money and compulsive buying, suggesting that credit card usage exacerbates the problem of compulsive buying and fosters a culture of indebtedness. Data from the general population provide ad

28、ditional support as positive associations have been noted between favorable attitudes towards credit and balance levels (Chien & DeVaney, 2001). Other research has suggested that credit cards facilitate spending, wi

29、th potential ramifications being overspending on the part of card holders (Feinberg, 1986).Hence, the following hypotheses were proposed:H1: Younger consumers are more likely to adopt mobile payment technology relative t