Adoption of Mobile Payment Technology by Consumers
Adoption of Mobile Payment Technology by Consumers
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DOI：
10.1111/fcsr.12069
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发表时间：
2014-06-01
影响因子：
0.7
通讯作者：
Robb, Cliff
中科院分区：
文献类型：
--
作者：
Garrett, Jamie;Rodermund, Robert;Robb, Cliff
这项研究调查了美国消费者使用移动支付的情况。研究人员对来自全美50个州和哥伦比亚特区的15060名受访者进行了抽样调查，得出了一份移动支付用户的概况。使用移动支付的受访者更有可能是年轻人、男性、少数族裔，并且收入高于平均水平。结果表明，采用移动支付与高成本债务（发薪日贷款、汽车产权贷款等）、财务管理困难（维持收支平衡）和信用卡行为（预付现金和支付超出限额的费用）之间存在很强的关联。结果表明，移动支付技术的用户注重便利性，他们可能容易冲动消费。讨论了该技术日益普及的潜在影响。
This study examined the use of mobile payments by American consumers. 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, 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 financial 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 be prone to impulse spending. The potential impact of the increasing adoption of this technology is discussed.