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1、过去、现在和未来的移动支付研究外文翻译外文翻译MobilePaymentMarketandResearch?Past,PresentandFutureMaterialSource:HelsinkiSchoolofEconomics,ElectronicCommerceResearchandApplicationsAuthor:TomiDahlberg,NiinaMallatThemobilepaymentmarketiscurrentlyundertransitionwithahistoryofnumeroustriedandfailedsolutionsandafutureofp
2、romisingbutyetuncertainpossibilitieswithcontactlessRFIDandothernewpotentialtechnologies.Atthispointofthedevelopmentwetakealookatthecurrentstateofthemobilepaymentmarket,reviewpriorliteratureonmobilepaymentservices,analyzethedifferentfactorsthatimpactthemarket,andgivedirectionsforfutureresearcho
3、nthisstillemergingfield.Tofacilitatetheanalysis,weproposeaframeworkoffourcontingencyandfivecompetitivefactors,andorganizethecontemporarymobilepaymentresearchundertheproposedframework1IntroductionMobilephoneshavetransformedtelephonyduringthepast15years.Asdevices,mobilephoneshaveforalongtimebeen
4、equippedwithfunctionalitieswhichfarexceedtheneedsoftelephony,andhaveinspiredthedevelopmentofvalueaddedmobileservices,theuseofmobilephonesasaccessdevices,andmobilecommerceingeneral.Thesedevelopmentsopenverylucrativeopportunitiestomerchantsandserviceproviders.Therearemoremobilephonesthananyother
5、devicethatcanbeusedtomarket,sell,produceorprovideproductsandservicesPurchasedproductsandserviceshavetobepaidfor.Initially,fixedlinetelephonybillingsystemsweremodifiedtochargemobiletelephonyandothermobileservicesassuchservicesemerged.Thedeploymentofmobiletelecombillingsystemsisstillthemosttypic
6、alwaytochargeformobilecommercetransactions.However,paymentservicesbasedonbillingsystemshaveseverallimitations.Theseincludehighpaymenttransactionfees,merchantandserviceprovidercomplaintsaboutunfairrevenuesharing,andnecessitytoprovisionservicestobillingsystemswithlimitedroamingofmobilecommercetr
7、ansactionsbetweenmobilenetworks.Insomeareas,suchasEuropeanUnion,paymentservicestothirdpartiesrequirealimitedcreditinstitutionlicense.Lackofsuitablepaymentinstrumentshasforalongtimebeenregardedasafactorthathampersseriouslythedevelopmento
