關(guān)于歐洲主要手機(jī)支付系統(tǒng)的研究[外文翻譯]

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1、標(biāo)題:AstudyofmajorMobilepaymentsystemsfunctionalityinEurope原文:Abstract-Mobilepaymentisanexcitingdomain,whichwillrapidlyevolveintheyearstocome.ThekeytoMobilepaymentacceptanceisinthehandsofcustomers.InthispaperfirstsomeofthemajorEuropeanMobilepaymentsystemsareintroducedandonsecurity,cost,

2、convenesandfunctionalityrequirementcriteria,thentheresultsofpastresearchesaboutthecustomerandmerchantadoptionofMobilepaymentsystems(mp)arereviewedandbarriersanddriversfrombothcustomerandmerchantviewarecompared.Hereby,thispapertriestofindshortcomingsinmajormpsystemsandpresentsthemajorb

3、arriersanddriverstowidespreadadoptionofmobilepaymentfrombothcustomerandmerchantpointofview.I、INTRODUCTIONWiththeflourishingofelectroniccommerceandwidespreaduseofmobiledevices,anewtypeofserviceisemergingthatextendse-businessusingwirelesstechnologybyenablinge-commerceservicesonmobiledev

4、ices.Mobilepaymentsarepaymentsforgoods,services,andbillswithamobiledevice(suchasamobilephone,smart-phone,orpersonaldigitalassistant(PDA)bytakingadvantageofwirelessandothercommunicationtechnologies.Thekeytomobilepaymentacceptanceisinthehandsofcustomers.Themostimportantproblemtobroadacc

5、eptanceandusageofanmobilepayment(MP)procedureistheobtainmentofacriticalmass.Thistendstobeanhen-egg-problem:Ontheonehandcustomerswillnotusetheprocedureunlessasignificantnumberofmerchantsacceptsit,ontheotherhandmerchantswillnotbewillingtoaccepttheprocedureunlessasignificantnumberofcusto

6、mersusesit.Atpresent,therearemanyexamplesofsuccessfulmobilepaymentapplicationssuchasthemobilecontentmarketwhichhasdevelopedintoabilliondollarbusiness,PayPal.Wideradoptionofmobilepayments,however,hasnotbeenasrapidorwidespreadasexpectedandthereisalonglistofdiscontinuedmobilepaymentservi

7、cessuchastheSimpayinitiativeandthePayboxlaunchedinseveralEuropeancountries.Thereissomedebateabouttypesofm-payments.Somepartiesseem-paymentsasanewproduct,whilstothersseem-paymentsasanewservice.TheEuropeanCentralBankcategorizesm-paymentsasm-payments,anewpaymentinitiativethatisaccessible

8、viamo

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