[雙語翻譯]外文翻譯--消費(fèi)者對移動支付服務(wù)的態(tài)度——概念驗(yàn)證測試的結(jié)果（英文）

1、International Journal of Bank MarketingConsumer attitudes on mobile payment services – results from a proof of concept test Niklas ArvidssonArticle information:To cite this document: Niklas Arvidsson , (2014),“Consumer a

2、ttitudes on mobile payment services – results from a proof of concept test“, International Journal of Bank Marketing, Vol. 32 Iss 2 pp. 150 - 170 Permanent link to this document: http://dx.doi.org/10.1108/IJBM-05-2013-00

3、48Downloaded on: 10 January 2015, At: 22:11 (PT) References: this document contains references to 64 other documents. To copy this document: permissions@emeraldinsight.com The fulltext of this document has been downloade

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5、 mobile payment“, Industrial Management Data Systems, Vol. 114 Iss 2 pp. 220-240 http://dx.doi.org/10.1108/IMDS-03-2013-0137Tao Zhou, (2014),“Understanding the determinants of mobile payment continuance usage“, Industri

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7、cross customer groups for mobile payment services in India“, Internet Research, Vol. 24 Iss 3 pp. 369-392 http://dx.doi.org/10.1108/IntR-12-2012-0244Access to this document was granted through an Emerald subscription pro

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12、content and download information correct at time of download.Downloaded by Erciyes University At 22:11 10 January 2015 (PT)common belief that mobile phones are a potential platform for electronic payments that replace ca

13、sh-based payments, this study of factors determining consumers’ potential use of mobile payment services is highly motivated. The research question underlying this study concerns which factors that are likely to make con

14、sumers willing (or not) to start using mobile phones as the platform for payment services? There has been a lot of research on technology adoption in general and mobile payment services in particular in the last decade b

15、ut there is nevertheless a call for theoretically based quantitative studies of consumers’ attitudes toward mobile payment services. Dahlberg et al. (2008) made a large literature review of research on mobile payment ser

16、vices and used a combination of Porter’s (1980) five forces model and contingency theory (Gardner et al., 2000; Ginsberg and Venkatraman, 1985; Zeithaml et al., 1988) to categorize and summarize their literature study. T

17、hey conclude that the areas which have been studied most extensively include the consumer perspective on mobile payment services as well as the role of technical security and trust. However, areas like social and cultura

18、l factors impact on the use of mobile payment services as well as comparisons of traditional payment services with mobile payment services lack studies (Gardner et al., 2000; Ginsberg and Venkatraman, 1985; Zeithaml et a

19、l., 1988). Given this, Dahlberg et al. (2008) identifies two areas in which there is a lack of research. The first concerns how social and cultural factors impact the growth of mobile payment services, and the second con

20、cerns the impact traditional payment services have on the growth of mobile payment services (Dahlberg et al., 2008, p. 178). They propose that, first; research should study portfolios of payment services and not just mob

21、ile payment services in isolation. Second, research on consumer power has been focussed on business-to-consumer and consumer-to-consumer payments and therefore neglected aspects related to business-to-business payments w

22、hich imply that the role of merchants has not been studied thoroughly. Third, they call for research based on empirical data and clearly related to theory as there are many conceptual articles but little empirical resear

23、ch that is well founded in theory (Dahlberg et al., 2008).Theory Research on how consumers adopt innovations is often based on the conceptual idea that innovation first is accepted and used by a small group of interested

24、 people and then over time diffused to more and more people in the population. This model was formulated by Rogers (1995) in this discussion of diffusion of innovation, and Rogers’ framework is underlying a lot of resear

25、ch in this field. Moore and Benbasat (1991) is another influential article which has been enabling researchers to build and test models of innovation diffusion. More particularly, studies of how mobile payment offerings,

26、 i.e. combinations of technologies and services, are adopted by consumers have generally been studied via general technology adoption models (TAM) and diffusion of innovation theories (Mallat, 2007). Mallat provides an e

27、xtensive qualitative model of these factors (Mallat, 2007, p. 426), which include relative advantage, costs, compatibility, complexity, network externalities, trust and security risks. There are few quantitative studies

28、that actually test the work by Mallat and other work on technology adoption in the area mobile payment services, however. The ambition of this paper is therefore to quantitatively test theories on technology adoption as

29、well as the propositions in Mallat’s (2007) study in relation to mobile payment services. This study statistically test hypotheses and propositions from earlier work based on quantitative data.151Mobile payment servicesD