移动支付风险评价分析及影响因素研究
发布时间：2018-11-15 13:07
【摘要】：随着近代互联网的飞速发展,可移动的商务在这种大的趋势环境下应运而生,各种运营商和服务提供机构开发出来了各种各样的移动支付服务,它作为一种高效并且简单易用的支付工具,开始出现在了各种各样的行业模式中,它的这种支付理念是顺应了时代的发展而且提高了商业服务的质量更加改善了支付方式的水平,它代表了一种新的技术的崛起,但是事实的发展却与这种新的高效的支付手段背道而驰,著名的调查科研公司所调查的数据揭示了目前这一尴尬的情况,虽然目前的移动支付市场规模正在扩大,移动市场的服务水平也在迅速的提高,但是真正使用到移动支付的客户占所有支付方式的比例是最低的。目前比较主流的研究者认为,消费者是否使用某一种支付方式主要是以感知风险为主要的判定标准,这一判定标准是影响消费者接受和使用移动支付的关键之所在,因此,大批学者以此研究方向进行了各种研讨。虽然从20世纪中期开始就已经有研究者对此开展了研究,但是消费者感知的风险这一概念过于庞大和复杂,这一急需解决的领域仍然存在这大量的问题待去解决,比如一些度量问题都需要学者的进一步研究,因此本文就对消费者使用移动支付时产生的感知风险的各个维度与影响其感知风险的各个影响因素之间的相关联系展开进一步的研究,并通过调查问卷收集的数据,经实证分析来得出结果。本文是对用户在使用移动支付时感知风险展开研究,并基于各影响因素与风险各维度之间的相互作用关系建立风险维度与影响因素模型,这一模型的理论基础还是建立在消费者对风险的感知和对移动支付行为影响的研究,然后展开进一步的分析,主要的内容如下：对消费者移动支付时的行为意向和心理研究,寻找感知风险的构成维度以及哪些因素会影响到消费者感知风险的产生[1],根据相关的研究提出假设,从个体单位角度出发进行立体全方位手段构建起基于消费者风险感知的移动支付,利用架构影响模型方法对整个模型构架进行反复的检测,经过严格的分析验证假设并得出研究结论：消费者认知负向影响感知心理风险和财务风险,技术可靠性负向影响感知财务风险和功能风险,无线网络因素正向影响感知财务风险、隐私风险和心理风险。
[Abstract]:With the rapid development of modern Internet, mobile commerce emerges as the times require in this big trend environment. Various operators and service providers have developed various mobile payment services. As an efficient and easy to use payment tool, it began to appear in a variety of industry models, Its concept of payment conforms to the development of the times and improves the quality of business services. It also improves the level of payment methods. It represents the rise of a new technology. However, the development of the facts runs counter to this new and efficient means of payment. The data collected by famous research companies reveal this embarrassing situation, even though the current mobile payment market is expanding. Service levels in the mobile market are also rising rapidly, but the proportion of customers who actually use mobile payments is the lowest. Current mainstream researchers believe that whether consumers use a certain payment mode is mainly based on perceived risk, which is the key to affect consumers' acceptance and use of mobile payment. A large number of scholars have carried out various studies in this direction. Although researchers have been studying this issue since the middle of the 20th century, the concept of consumer perceived risk is too large and complex, and there are still a lot of problems to be solved in this area that needs to be solved. For example, some measurement problems need further study by scholars. Therefore, this paper carries out a further study on the correlation between the dimensions of perceived risk generated by consumers using mobile payment and the influencing factors affecting their perceived risk, and the data collected by questionnaire. The results are obtained by empirical analysis. In this paper, we study the perception of risk when users use mobile payment, and establish a risk dimension and influence factor model based on the interaction between each influencing factor and each dimension of risk. The theoretical basis of this model is based on the study of consumers' perception of risk and the impact on mobile payment behavior, and then further analysis is carried out. The main contents are as follows: the behavior intention and psychological research of consumer mobile payment. To find out the dimensions of perceived risk and what factors will affect the generation of consumer perceived risk [1], according to the relevant research, put forward the hypothesis, From the perspective of individual units, mobile payment based on consumer risk perception is constructed by using three-dimensional omni-directional means, and the whole model framework is repeatedly detected by using the framework impact model method. After strict analysis, the hypothesis is verified and the conclusion is drawn: consumer cognition negatively affects perceived psychological risk and financial risk, and technical reliability negatively affects perceived financial risk and functional risk. Wireless network factors positively affect perceived financial risk, privacy risk and psychological risk.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6
[Abstract]:With the rapid development of modern Internet, mobile commerce emerges as the times require in this big trend environment. Various operators and service providers have developed various mobile payment services. As an efficient and easy to use payment tool, it began to appear in a variety of industry models, Its concept of payment conforms to the development of the times and improves the quality of business services. It also improves the level of payment methods. It represents the rise of a new technology. However, the development of the facts runs counter to this new and efficient means of payment. The data collected by famous research companies reveal this embarrassing situation, even though the current mobile payment market is expanding. Service levels in the mobile market are also rising rapidly, but the proportion of customers who actually use mobile payments is the lowest. Current mainstream researchers believe that whether consumers use a certain payment mode is mainly based on perceived risk, which is the key to affect consumers' acceptance and use of mobile payment. A large number of scholars have carried out various studies in this direction. Although researchers have been studying this issue since the middle of the 20th century, the concept of consumer perceived risk is too large and complex, and there are still a lot of problems to be solved in this area that needs to be solved. For example, some measurement problems need further study by scholars. Therefore, this paper carries out a further study on the correlation between the dimensions of perceived risk generated by consumers using mobile payment and the influencing factors affecting their perceived risk, and the data collected by questionnaire. The results are obtained by empirical analysis. In this paper, we study the perception of risk when users use mobile payment, and establish a risk dimension and influence factor model based on the interaction between each influencing factor and each dimension of risk. The theoretical basis of this model is based on the study of consumers' perception of risk and the impact on mobile payment behavior, and then further analysis is carried out. The main contents are as follows: the behavior intention and psychological research of consumer mobile payment. To find out the dimensions of perceived risk and what factors will affect the generation of consumer perceived risk [1], according to the relevant research, put forward the hypothesis, From the perspective of individual units, mobile payment based on consumer risk perception is constructed by using three-dimensional omni-directional means, and the whole model framework is repeatedly detected by using the framework impact model method. After strict analysis, the hypothesis is verified and the conclusion is drawn: consumer cognition negatively affects perceived psychological risk and financial risk, and technical reliability negatively affects perceived financial risk and functional risk. Wireless network factors positively affect perceived financial risk, privacy risk and psychological risk.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6
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