移动支付商家采纳影响因素及决策过程研究

管理评论 ›› 2020, Vol. 32 ›› Issue (6): 184-195.

移动支付商家采纳影响因素及决策过程研究

李二亮^1,2, 何毅², 李永焱³

1. 河南工程学院管理工程学院, 郑州 451191;
2. 中央财经大学中国互联网经济研究院, 北京 100081;
3. 中证金融研究院, 北京 100045

收稿日期:2017-04-24 发布日期:2020-07-10
通讯作者: 何毅(通讯作者),中央财经大学中国互联网经济研究院副研究员,博士后
作者简介:李二亮,河南工程学院管理工程学院讲师,博士,中央财经大学中国互联网经济研究院特聘副研究员;李永焱,中证金融研究院助理研究员,博士。
基金资助:
教育部哲学社会科学研究重大课题攻关项目（15JZD022）；北京市社会科学基金研究基地项目（16JDGLB035）；北京市社会科学基金特别委托项目（15JDJGD093）；河南省教育厅2017年度河南省高等学校青年骨干教师培养计划（2017GGJS156）；2019年度河南工程学院教育教学改革研究项目（JY201908）。

A Research on Influencing Factors and Decision-Making Process of Merchant' Adoption of Mobile Payment

Li Erliang^1,2, He Yi², Li Yongyan³

1. School of Management Engineering, Henan Institute of Engineering, Zhengzhou 451191;
2. China Center for Internet Economic Research, Central University of Finance and Economics, Beijing 100081;
3. China Institute of Finance and Capital Markets, Beijing 100045

Received:2017-04-24 Published:2020-07-10

摘要/Abstract

摘要： 商家作为具有典型双边市场特征的线下支付市场的主要组成部分，对移动支付的应用普及具有重要作用；在文献回顾分析的基础上，本文以创新扩散理论和技术-组织-环境理论为基本框架，采取案例研究法，选择了超市、酒店、餐娱等7个行业16个不同规模的商家作为案例，对移动支付商家采纳影响因素及其决策过程进行了深入研究，提出了移动支付推广的层次需求概念模型。研究结论丰富了对商家采纳移动支付工具的理解，并对移动支付服务商在国内外拓展市场具有较强的借鉴意义。

关键词: 移动支付, 商家, 案例研究, 采纳影响因素, 决策过程

Abstract: Merchants, as an indispensable part of the offline payment market with a typical characteristics two-sided market, play an important role in the application of mobile third-party payment. Based on the literature review and analysis, by selecting diffusion of innovations theory and technology-organization-environment theory as the basic framework and nearly 10 merchant cases distributing around in supermarket, hotel, meals, entertainment, this paper makes a deep study on influencing factors of merchants' choices of mobile third-party payment and their decision-making process, proposes the conceptual model of hierarchy of needs of mobile payment promotion, and the research conclusion enriches the understanding of merchants adopting mobile payment tools and has strong reference for mobile payment service providers to expand the market both at home and abroad.

Key words: mobile payment, merchant, case study, adoption influencing factors, decision-making process

李二亮, 何毅, 李永焱. 移动支付商家采纳影响因素及决策过程研究[J]. 管理评论, 2020, 32(6): 184-195.

Li Erliang, He Yi, Li Yongyan. A Research on Influencing Factors and Decision-Making Process of Merchant' Adoption of Mobile Payment[J]. Management Review, 2020, 32(6): 184-195.

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