关于移动支付过去，现状，未来的文献综述[外文翻译]

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1、毕业论文（设计）外文翻译一、外文原文标题：Past，presentandfutureofmobilepaymentsresearch:Aliteraturereview原文：Themobilepaymentservicesmarketsarecurrentlyundertransitionwithahistoryofnumeroustriedandfailedsolutions,andafutuofpromisingbutyetuncertainpossibilitieswithpotentialnewtechnologyinnovations.Atthis

2、pointofthedevelopment,wetakealookatthecurrentstateofthemobilepaymentservicesmarketfromaliteraturereviewperspective.Wereviewpriorliteratureonmobpayments,analyzethevariousfactorsthatimpactmobilepaymentservicesmarkets,andsuggestdirectionsforfutureresearchinthestillemergingfield.Tofacil

3、itatetheanalysisofliterature,weproposeaframeworkoffourcontingencyandfivecompetitiveforcefactorandorganizethemobilepaymentresearchundertheproposedframework.Consumerperspectiveofmobilepaymentsaswellastechnicsecurityandtrustarebestcoveredbycontemporaryresearch.Theimpactsofsocialandcult

4、uralfactorsonmobilepayments,aswellcomparisonsbetweenmobileandtraditionalpaymentservicesareentirelyuninvestigatedissues.Mostofthefactorsoutlinedbyframeworkhavebeenaddressedbyexploratoryandearlyphasestudies.Mobilephoneshavetransformedtelephonyprofoundly.Theyareequippedwithfunctionali

5、tieswhichsurpasstelephonyneeds,andwhichinspirethedevelopmentofvalue-addedmobileservices,theuseofmobilephonesasaccessdevices,andmobilecommerceingeneral.Thenumberofmobilephonesinusefarexceedsanyothertechnicaldevicesthatcouldbeusedtomarket,sell,produce,ordeliverproductsandservicestoco

6、nsumers.Thesedevelopmentsopenlucrativeopportunitiestomerchantsandserviceproviders.Purchasedproductsandserviceshavetobepaidfor.Initially,fixed-linetelephonybillingsystemsweremodifiedtochargemobiletelephony.Later,mobiletelephonybillingsystemswereintroduced,andusedalsotochargevariousmob

7、ileserviceswhensuchservicesemerged.Yet,paymentsbasedonbillingsystemshaveseverallimitations.Theseincludecomparativelyhighpaymenttransactionfees,merchantandserviceprovidercomplaintsaboutunfairrevenuesharing,andthenecessitytoprovisionservicestobillingsystems[66,80].Insomeareas,suchast

8、heEuropeanUnion,creditedpa