ADAPT - Adoption of Digital Automated Payment Technology

ADAPT - 采用数字自动支付技术

• 批准号: 51607
• 金额: $ 41.55万
• 依托单位: CHESHIRE EAST BOROUGH COUNCIL
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=51607
• 关键词: ADAPT; Adoption; Digital; Automated; Payment

This Randomised Control Trial (RCT) of the ADAPT project is designed to test whether a 'Best Practice Visit' to a world class financial technology company is more effective at encouraging SMEs to adopt digital payment technologies than if they just received best practice information in the form of a 'digital guide'.It will focus on encouraging the adoption of digital and automated payment technologies, which are proven to boost SME productivity by improving the efficiency of their payment practices. These digital payment technologies can include: digital banking; e-purchase order systems; e-invoicing; e-payments and card payment systems.To test whether 'best practice visits' are more effective than a best practice guide, at encouraging SME adoption of these technologies, 200 SMEs from Cheshire, who have not used digital payment technologies before, will be recruited to participate in the Trial. 100 will be selected at random to attend a 'Best Practice Visit' to the Barclays Global Technology Campus, based at Knutsford, Cheshire. A further 100 will be randomly selected to receive a digital payment technology best practice 'guide' developed in conjunction with Barclays Bank.The RCT is being led by Cheshire East Council, working closely with Barclays Bank and an independent evaluation partner, SQW. The concept of harnessing the expertise of larger corporates to exchange best practice knowledge of digital technology with local SMEs was tested through a Proof of Concept, delivered by Cheshire East Council, under Round 1 of the Business Basics Programme. In many ways, Cheshire East is the ideal location to test this approach. The successful economic performance of the Borough is due, in large part, to the presence of several very large, high GVA producing businesses. The GVA contribution of these larger businesses however masks the fact that 99.97% of our businesses are small to medium sized enterprises, with a much lower productivity performance.If successful, this approach could be scaled up to be delivered in other regions of the UK, as a partnership between the private sector and other local authorities/ LEPs. The results from the Trial will be published in a final report and will be disseminated at a national and local level. This will mean that other banks could learn from the Trial to consider how they could also engage with their small business client base to offer solutions to encourage the take up of digital payment technology.

是项随机对照试验旨在测试对世界级金融科技公司进行“最佳实践访问”，是否比以“数码指南”形式向中小企提供最佳实践信息，更能有效鼓励中小企采用数码支付技术。试验将集中鼓励中小企采用数码及自动化支付技术，经证明，这些服务可提高中小企业的支付效率，从而提高其生产力。这些数字支付技术可以包括：数字银行;电子采购订单系统;电子发票;电子支付和卡支付系统。为了测试“最佳实践访问”是否比最佳实践指南更有效，鼓励中小企业采用这些技术，将招募来自柴郡的200家以前从未使用过数字支付技术的中小企业参加试验。100名将被随机挑选参加“最佳实践访问”的巴克莱全球技术校园，总部设在克努茨福德，柴郡。另外100人将被随机挑选，以获得与巴克莱银行联合开发的数字支付技术最佳实践“指南”。RCT由柴郡东部理事会领导，与巴克莱银行和独立评估合作伙伴SQW密切合作。利用大型企业的专业知识与当地中小企业交流数字技术最佳实践知识的概念通过柴郡东部理事会在第一轮业务基础方案下提供的概念验证进行了测试。在许多方面，柴郡东部是测试这种方法的理想地点。该自治市的成功的经济表现是由于，在很大程度上，几个非常大的存在，高GVA生产企业.然而，这些大型企业的GVA贡献掩盖了一个事实，即我们99.97%的企业是中小型企业，生产力表现要低得多。如果成功，这种方法可以扩大到英国其他地区，作为私营部门和其他地方当局/LEP之间的伙伴关系。试验结果将在最终报告中公布，并在国家和地方层面传播。这意味着其他银行可以从试验中学习，考虑如何与小企业客户群合作，提供鼓励采用数字支付技术的解决方案。