Study on Popularization of QR Code Settlement in Japan
Study on Popularization of QR Code Settlement in Japan
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DOI：
10.1007/978-981-13-8679-4_24
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发表时间：
2019
期刊：
影响因子：
--
通讯作者：
Tietie Chen;Y. Ishino
中科院分区：
文献类型：
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作者：
Tietie Chen;Y. Ishino
无现金支付在日本是一个经常讨论的话题。目前，无现金支付已成为大多数国家的标准。然而，日本在无现金结算方面落后。日本政府试图在2025年前将无现金结算的普及率从目前的20%提高到40%，显示出补贴政策。本研究的重点是QR码结算系统，它可以更容易地安装，成本低于信用卡系统。本研究的目的是为了弄清QR码结算的引入对以现金和信用卡支付为主流的日本中小企业的影响。我们进行了一个基于概率的风险模拟，以计算如果一家小型日本酒吧餐厅引入QR码支付，将获得多少好处。模拟共假设了12种情景。最后，发现QR码结算的引入将降低经营酒吧餐厅的风险，无论其商业地位如何。
Cashless payment is an often-discussed topic in Japan. To date, cashless payment is becoming the standard in most countries. However, Japan is lagging behind in terms of cashless settlements. The Japanese government is trying to raise the penetration rate of cashless settlements from the current 20 to 40% by 2025, showing subsidization policies. This study focuses on a QR code settlement system, which can be installed more easily with fewer costs than credit card systems. This study aims to clarify how much the introduction of QR code settlement affects small-to-medium-sized companies, where cash and credit card payments are mainstreams, in Japan. We perform a probability-based risk simulation to calculate how many benefits will be obtained if a small-sized Japanese pub restaurant introduces QR code payments. The simulation was carried out assuming 12 scenarios in total. Finally, it was found that the introduction of the QR code settlement would make the risk of running a pub restaurant lower, irrespective of business standing.