Paper代写：The development of mobile payment－r51due

下面为大家整理一篇优秀的paper代写范文- The development of mobile payment，供大家参考学习，这篇论文讨论了移动支付。移动支付，就是指用户使用平板电脑、手机和移动POS机等可移动通讯终端对其消费的商品、服务进行资金支付或转账的一种金融服务方式。移动支付由一个革命性概念变成迅速普及的支付方式，大有替代我国传统支付方式的趋势。由于能够适应支付市场客观需求，移动支付已成为支付清算领域创新与发展的重要推手。

Mobile payment has changed from a revolutionary concept to a rapidly popularizing payment method, which is a great substitute for the traditional way of payment in China. Because of the ability to meet the objective demand of the payment market, mobile payment has become an important pushing hand for innovation and development in the field of payment liquidation. In the continuous release of intrinsic value, China's mobile payment is also facing negative externalities, the issue of unlicensed institutions, the industry norms and related legal system problems and the management of the provision of money. To ensure the rapid and healthy development of mobile payment industry chain, to promote the benign operation of the payment market, to serve the financial consumers and the real economy better, and to improve the relevant supervision system and supervision system.

Mobile payment is the product of the combination of financial business with Internet technology and mobile communication. Generally refers to the use of tablet computers, mobile phones and mobile POS machines and other mobile communication terminals to their consumption of goods, services, funds to pay or transfer a financial service. In short, is a new type of electronic payment, the essence is the transfer or flow of funds, its payment account is the core, mobile terminals are media.

http://www.51due.net/writing/research-paper/sample31652.html

According to the technology acceptance model, when a technological innovation is applied, whether the consumer accepts and uses it depends mainly on two factors: the perceived usefulness of technology and the perceived ease of use. The former refers to the consumer's use of the technological innovation to perceive the potential for their own productive life to bring about the promotion of utility; the latter refers to the consumer's normal use of the technology innovation needs to invest time, energy to learn the difficulty degree. The continuous breakthrough and development of modern communication technology, Internet technology and large data technology are the material basis of mobile payment development, such as the binding of mobile phone and mobile phone password, the use of mobile phone fingerprint technology for mobile payment generation and the rapid acceptance of consumers to provide the material technical conditions. The current financial science and technology is committed to changing people's production life through different technical means, only when the user truly feel the technological progress brings about the convenience and ease of use of production life will gradually accept and continue to be used, such as with the near-field payment of the technology needed to break through and develop, in encryption technology Digital signature technology with the help of the appropriate app, consumers can easily complete a variety of payment scenes in life with a mobile phone: Pay phone bills, recharge buses, water and electricity gas, train ticket orders, online shopping payments, offline shopping, taxis and so on. "Mobile phone in hand, pay worry-free" is not exaggerated, mobile payment is therefore a blowout development trend, from a revolutionary concept into a rapid universal payment method.

The development of TAM model and TAM2 model based on integrated technology acceptance and use model, a comprehensive analysis of the performance expectation, the expectation, the social influence and the convenience of the consumer brought by the application of a technological innovation can give a more comprehensive analysis of the utility of the consumer accepting and using mobile payment. It also shows that mobile payments do cater to market demand. The emergence of distributed payment scenarios, the development of E-commerce and the diversification of payment methods, the payment system requires 24 hours of uninterrupted operation to meet the needs of consumers anytime, anywhere shopping and pay. Mobile payment of its own efficient and convenient to meet the modern society to pursue convenient and fast demand, to fill the traditional payment left the efficiency gap, so meet the domestic demand for the objective changes in the market. Compared with the traditional means of payment, mobile payment shortens the trading time of about 10%-40%, which becomes the main reason for all parties to pursue competition. For consumers, efficient and convenient is the effective way to realize experiential consumption; For businessmen, not only shorten the trading time, increase turnover, more importantly, accelerate the capital circulation and turnover, improve the business efficiency and effectiveness; for cross-border payments, the advantages of mobile payment are more obvious, Global payment markets favour efficient mobile payments. Comparatively speaking, the traditional commercial bank designs the payment system based on its risk minimization principle, because the flexibility is not high, the payment efficiency is low, can not meet the fast payment demand. Mobile payments are made to fill the void of efficiency left by traditional payments.

According to the innovation Diffusion theory, the innovation has the relative advantage and the complexity, the compatibility, the experiment and the observable characteristic and so on, they will directly affect the user to adopt the new technology the attitude. In particular, the innovative projects with obvious comparative advantage, that is, the new technology innovation application can bring the user the benefit of reducing transaction cost and improving the transaction efficiency. Compared with other payment methods, mobile payment is an innovative application, which conforms to the needs of the innovation and development of the current payment and liquidation system in China. The key to the development of payment clearing system in China is innovation, which not only can improve the efficiency and scope of the payment system, but also promote the structural change of the Non-cash payment market, and more importantly, the innovation can make the clearing system play a more important role in the financial system. In some underdeveloped countries and regions, due to the lack of traditional payment market development, many people do not have the banking services or financial institutions themselves lack of service capacity, which provides a great development and innovation space for mobile payment. In the entire Asian market, mobile payment development is very rapid, accounting for around 60% of the global market share, China, South Korea, Japan and so on are showing rapid development trend. In recent years, the major domestic institutions in order to compete for mobile payment of this payment blue Sea has invested heavily to increase its research and development efforts, and constantly introduce innovative products to meet market demand. For example, different types of financial institutions have launched a contactless payment card: ICBC and Parkson jointly issued a peony Parkson credit card and other mobile payment methods to meet the demand for payment liquidation system innovation needs. At the same time, its smooth and seamless operation compatibility will pay and logistics integration as a whole, the company will purchase, payment and delivery integration for a one-time completion, time-saving, enhance the user's shopping experience, help users to continue to use the mobile payment, and can use large data analysis consumer preferences, and then to consumers accurate recommendation preferences products and services , can not only effectively cultivate customer loyalty to products and services, but also can effectively expand their customers, increase consumer use of mobile payment frequency; With the use of data encryption and unique identification code technology can also effectively protect the privacy and financial security of users, and block chain and distributed General Ledger technology will achieve the entire transaction system more secure. The application of the above innovation technology has greatly promoted the rapid development of mobile payment in China.

Diversified development of mobile payment products and continuous growth of business will become the "new normal" of mobile payment market in China. With the rapid development of modern communication technology, Internet technology and large data technology, the mobile payment industry is developing rapidly in the world, which brings great convenience to people's production and life. The current domestic mobile payment giants such as micro-letter payment, Alipay, Baidu Wallet, etc. by taking a large amount of funds to subsidize users and businesses to move to pay "blue sea." Apple Pay in February 2016 to enter the domestic market, triggering the Huawei, Millet and other mobile phone giants to open their own mobile payment of public testing. Based on the advantages of convenient and efficient mobile payment service, conforming to the development of social economy and the demand of payment market, the domestic mobile payment products have formed a diversified pattern from traditional remote payment, two-dimensional code payment, NFC near-field payment, Bluetooth payment and sonic payment to external card reader. According to data released by Gartner, 2012-2017, Global Mobile trading volume and value of the annual average growth rate of 35%, the global mobile payment market size of 2017 will reach $721 billion trillion, users will be more than 4.5 billion.

From the data analysis, mobile payment customer stickiness will be further highlighted, there is a substitute for traditional electronic payment development trend. Mobile payment customer stickiness is also mobile payment customer continued use problem, Oliver's research believes that whether users buy a product again or continue to use a service is the key to their satisfaction with the product or service. Mobile payment in the global range of rapid development, as well as through the continuous introduction of new products to meet customer experience consumer demand model, will help push mobile payment customers stickiness further highlighted, thus there is a replacement for traditional electronic payment development trends. In the United States, mobile payments although early development relatively slow, but the electronic payments and mobile payments in the field of income accounted for about 35% of the total pay income, by 2018 mobile payment earnings may be tied to the traditional payment income. In developing countries, the ability to consume is becoming more and more strong, and consumption is getting younger. Young people are keen on new technology, flexible change, willing to experience the global payment of innovation and services, especially the convenience of mobile payment, the advent of smartphones, "flash pay" "face-to-face pay" and other convenient payment methods are favored. Since the 21st century, China Mobile payment agencies, traditional financial institutions, bank card clearing organizations and Internet enterprises, such as the participation of all parties in a timely manner to facilitate the production and life of the people to pay services, such as with taxis, shopping malls, hospitals, tourism, catering and other consumer industries cooperation, Guide consumers to gradually shift from the traditional payment method to the mobile payment. At present, the domestic more typical payment method is by scanning two-dimensional code, binding account, such as Alipay, micro-letter to pay, Apple recently also launched in the Chinese market apple Pay, these convenient for people to live in the rapid development of the mobile payment method, will eventually become the mainstream payment method, enhance consumer loyalty, Further increase the stickiness of mobile payment customers.

Mobile payment has been used as a new business model by electricity dealers, banks and payment agencies, which has become a "sharp weapon" for rapidly seizing the market. According to the situation theory analysis, the Internet, the big data and the electric quotient are a new consumer situation, has the advantage of breaking through the geography, the time and space limit and so on, greatly simplifies the consumption link, and solves the information asymmetry problem in the consumption time, and improves the usability and timeliness of the user consumption. Payment is a way of capital flows, and capital flows are the most direct response to economic activity. Electricity, banks, third-party payment agencies, etc. using large data technology to analyze the flow of funds, improve the ability to accurately grasp customer consumption preferences and consumption habits, is conducive to accurate marketing based on large data analysis results. This means that the meaning of mobile payment is not only to provide financial flow services, but more importantly, the electricity, banking and other institutions can further dig deeper to pay data contained in other information, targeted to provide other value-added services.

From the trend of development, the future payment development space is not paid itself, more lies in the derivative business, which is why the platform of the electric business to promote the payment of business, because the electrical business can be through shopping, payment, mail, financial services. Mobile payment as the most competitive and potential payment in the industry, has undoubtedly become the power companies, banks and other institutions to promote and scramble to nibble the cake. The digital trend of traditional commercial banks is obviously speeding up, and the new non-bank payment intermediary is also in rapid banking, both of which are competing for the leading position of the future Mobile bank. Whatever the outcome, the future leading mobile payment agencies must be a large number of mobile phone, large data, cloud computing and real-time payment system of the comprehensive organization, mobile payment business is bound to be the core service content of new financial ecosystem, who in mobile payment market, will have the occupation and development of "sharp weapon".

Recently, in accordance with the existing regulations of the People's Bank of China, the regulator has written off some of the mobile payment agencies that violate the provisions of the reserve payment, but how to effectively manage the payments has not been effectively resolved at the institutional level. At present, payment agencies are almost all at the same time with a number of banks in the preparation of the deposit and management of the cooperation, which alipay cooperation of up to 24 banks, which is not conducive to risk control and not conducive to regulation. To discuss the construction of centralized management system of reserve payment should be one of the important issues that should be considered in the current supervision institutions and the mobile payments industry. The degree of development and emerging problems, the spontaneous exercise of quasi-regulatory responsibilities, the formulation of scientific, timely and targeted industry standards, the use of market-based means to restrain and standardize the mobile payment industry innovation behavior. Therefore, the industry self-discipline organization should make use of its own information advantages in time to develop and gradually improve the unified industry standards. Once a unified standard is formed, it will greatly reduce the fraudulent, arbitrage and other chaos in the development of the industry. In addition, the industry Self-discipline Association can increase publicity and education efforts to enhance consumer awareness of mobile payments, so that consumers can distinguish between legitimate institutions and illegal institutions, the understanding of third-party payment agencies and bank payments difference; Recognizing the difference between payment and bank accounts, knowing that payment agencies are not banks, Third party payment is only a supplement to the market, and the difference between the institution that obtains the third party's payment licence and the non-licensed payment institution is recognized.

The establishment of a good mobile payment ecological environment only by one or two participants is not realistic, only all the participants will be able to work together to strengthen the whole industry, to achieve mutual benefit and win. At present, China's mobile payment industry chain, including chip manufacturers, UnionPay, banks, telecommunications operators and third-party payment agencies, has not yet formed a complete industrial chain. Each participant should strengthen its own construction, do a good job in the mobile payment industry chain on every link, and then use large data, cloud computing and other technical advantages to achieve resource sharing, join hands to build a security firewall, to achieve win-win cooperation.

想要了解更多英国留学资讯或者需要paper代写，请关注51Due英国论文代写平台，51Due是一家专业的论文代写机构，专业辅导海外留学生的英文论文写作，主要业务有论文代写、assignment代写、paper代写。在这里，51Due致力于为留学生朋友提供高效优质的留学教育辅导服务，为广大留学生提升写作水平，帮助他们达成学业目标。如果您有paper代写需求，可以咨询我们的客服QQ：800020041。