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网上购物的电子支付方法英语文献和翻译

更新时间:2012-6-3:  来源:毕业论文

1.  Introduction The payment market is an example of a two-sided market where technological and business platforms compete (Rochet and Tirole, 2003; Milne, 2005; Chakravorti and Roson, 2006), so the platforms have to be  accepted by both customers and merchants. A strong influence of network effects and economies of scale  can  be observed on this market (Van Hove, 1999; Gowrisankaran and Stavins, 2004; Bolt and Humphrey,  2007; Scholnick et al., 2008). The
growing significance of e-commerce all over the world led to that it has become a subject of

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many studies (e.g. Eastin, 2002; Min and Galle, 2003; Koyuncu and Bhattacharya, 2004; Liu et al., 2008;  Schrödera and Zahariab, 2008). However, most of these studies focus on the demand side of the market and take into account various factors influencing the preferences and  choices  of  individual  customers  (examples  concerning  payment  choice  studies  are following: Hayashi and Klee, 2003; Zhang and Li, 2006; Borzekowski and Kiser, 2008; Bolt et al., 2009; Hyytinen and Takalo; 2009; von Kalckreut论文网http://www.lwfree.com/   h et al., 2009). Factors affecting the decisions of merchants have not been studied thoroughly, probably due to that they are more difficult  to  analyse.  It  should  be  remarked  that  the  availability  of  payment  instruments accepted  on  the  Internet  for  customers  is  an  extremely  important,  but  simultaneously frequently underestimated, factor influencing the development of e-commerce. In a situation where the basic instruments are available to  a limited degree, an example of which is the
availability of credit cards in Poland1, on-line shops managers’ decisions concerning the

methods of payment become more and more important.

Just as payment instruments influence the expansion of online shopping, e-commerce is a vital stimulus to the development of payment services (Evans and Schmalensee, 2008). Analyses of innovations conducted in the field of payment services over the last 20 years have clearly shown that on-line payment systems have provided more solutions than those used in local Points-of-Sale (OECD, 2006; Heng, 2007; Chande, 2008). On the one hand this results from highly varied payment needs of Internet users, but on the  other hand, it stems from relatively low costs of online payment systems, owing to which niche solutions can function (Heng, 2007). Low costs needed to introduce online payments into the market result from the fact that these services do not require the development of a dedicated nation-wide network of acceptance  in  local  Points-of-Sale  (Levitin,  2007)  as  they  use  the  already  existing  and universal infrastructure of the Internet.  The abundance of online payment methods compel Internet shops to select only those that will be accepted. Results of these decisions strongly affect the development of the whole e-commerce market.
This study  seeks  to  identify  the  drivers  underlying  the  decision  of  online  shop managers to  accept particular payment methods. The empirical analysis presented here is based on a sample of online  shop managers and employs an extensive set of explanatory variables. The logit models were constructed to explain the reasons for accepting or rejecting the most important seven payment methods by an online shop. The novelty of our approach result from comprehensive analysis, covering very w本文来自六.维~论^文·网原文请找腾讯3249.114 ide range of payment methods available2456

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