Bidding and Material Procurement Center, Nanjing Institute of Technology, Nanjing, China.
Front Public Health. 2021 Mar 16;9:646592. doi: 10.3389/fpubh.2021.646592. eCollection 2021.
The coronavirus disease 2019 (COVID-19) pandemic pushes people looking for shopping alternatives, seeking to avoid handling cash in favor of a safe and quick mobile payment. At this juncture, this paper examines the determinants of the adoption of mobile payment services among small and medium enterprises (SMEs) in China. The study proposes four-dimensional factors (business factors, technological competence, environment, and consumers' intentions) based on the literature review findings to understand the challenges of adopting mobile payment. A questionnaire is designed to solicit information from the participants. The findings reveal that business factors, technological competencies of SMEs in China, and the environment positively influence mobile payment adoption. Consumer intention has almost no influence on the adoption of mobile payment. Potential implications for the COVID-19 era are also discussed.
2019 年冠状病毒病（COVID-19）大流行促使人们寻求购物替代品，避免使用现金，转而选择安全快捷的移动支付。在这一时刻，本文研究了在中国中小企业（SMEs）中采用移动支付服务的决定因素。该研究基于文献综述结果提出了四个维度的因素（商业因素、技术能力、环境和消费者意愿），以了解采用移动支付面临的挑战。设计了一份问卷来征求参与者的信息。研究结果表明，商业因素、中国中小企业的技术能力和环境对移动支付的采用有积极影响。消费者的意愿对移动支付的采用几乎没有影响。还讨论了对 COVID-19 时代的潜在影响。
