1、3600 英文单词， 2 万英文字符 ，中文 6600 字 文献出处： Lynn G J, Robert R, Narita A, et al. Adoption of Mobile Payment Technology by ConsumersJ. Family & Consumer Sciences Research Journal, 2014, 42(4):358-368. Adoption of Mobile Payment Technology by Consumers Jamie Lynn Garrett, Robert Rodermund, NaRita Anderson, Sa
2、ra Berkowitz and Cliff A. Robb This study examined the use of mobile payments by American consumers. Using a sample of 15,060 respondents from all 50 states and the District of Columbia, a prole of mobile payment users was developed. Respondents who were using mobile payments were more likely to be
3、younger, male, minorities, and to have a higher than average income. Results indicated that there were strong associations between mobile payment adoption and high cost debt (payday loans, auto-title loans, etc.), trouble with nancial management (making ends meet), and credit card behavior (taking c
4、ash advances and paying over the limit fees). Results suggest that users of mobile payment technology were focused on convenience, and they might be prone to impulse spending. The potential impact of the increasing adoption of this technology is discussed. Keywords: diffusion of innovation; mobile p
5、ayments; smart phones; technology Mobile technologies are increasingly commonplace and offer consumers a wide array of services and options. Eighty-seven percent of Americans owned a mobile phone in 2012, with over 50% owning a smartphone (Federal Reserve Board, 2013). The number of individuals with
6、 a mobile phone exceeds the number of individuals with a bank account (Porteous, 2006). The implications of these changes for consumer nancial practices remain unknown as little research has explored this issue. Of central interest to this study is the degree to which the adoption of newer mobile technologies in personal nance is occurring. What is the purpose of adoption? Is it convenience or is it to assist consumers with complex nancial decisions? This study focuses on consumer
