毕业论文(设计)外文翻译一、外文原文标题:Pasｔ,pｒesent and futuｒe of mobile ｐaymeｎts researｃｈ: Ａliteｒature ｒeviｅw原文：The mobile ｐaymenｔｓｅｒｖｉces marｋets are ｃuｒrent ｌy ｕnｄer traｎｓitioｎｗｉth a history of numｅrｏｕs tried aｎｄfａｉled solutioｎs，ａnd a fｕtu ｏf proｍisｉｎg ｂut yet uｎcｅｒtain possibilities with potｅnｔiａｌnｅｗｔｅchｎoｌogy iｎnovａtiｏｎs. At thｉｓpoint of the devｅlopmeｎt, ｗe ｔaｋe a loｏk ａｔｔhe cｕrrent stａte of the ｍobｉle paymｅnｔｓerviceｓｍａrｋet ｆｒｏm ａlｉｔeｒａｔure reｖieｗperspective. Ｗe reｖiew prior literatuｒe oｎmｏｂｐayments, aｎａlyze the vaｒiｏuｓfａｃtoｒs thａt impact ｍoｂile paymeｎｔserｖiｃｅｓmａrkeｔs, a ｎd suggesｔdiｒectiｏnｓfoｒｆutｕｒｅresｅarcｈin the stilｌemerｇｉｎg field．To fａcilｉtate thｅanalysis of lｉterature, ｗｅproｐose a fra ｍework of ｆour contiｎgenｃｙand fivｅcompetitｉve ｆｏｒcｅfａctｏｒaｎd orgaｎiｚe thｅmobilｅpaｙmenｔresｅaｒch under ｔｈｅproｐoｓed frａmeworｋ. Conｓuｍer pｅrｓｐeｃtiｖｅoｆmｏｂiｌe ｐａｙmenｔs as ｗell as technｉc security and ｔrusｔaｒe best covered by ｃoｎtemporａry research．Ｔhe iｍpａctｓｏf soｃial and ｃｕltuｒａl facｔoｒs ｏn mobile ｐaｙmｅnts，ａs wｅlｌcompａriｓons betwｅen mｏbｉlｅaｎｄtｒａｄi ｔionａl ｐaymｅnｔservices arｅｅｎtirelｙuninｖｅsｔigatｅd ｉssｕes. Mｏｓt of tｈe fａctoｒｓoutlined ｂｙｆraｍeworｋhave been addrｅｓsed ｂｙexplｏratory and early phaｓe studies.Mobile ｐｈones havｅtranｓfｏrmed ｔeleｐhony ｐrofｏundlｙ. Theｙarｅｅquipped wｉtｈfunｃｔiｏnalities ｗｈich suｒpaｓｓteleｐｈoｎy need ｓ, aｎd wｈich insｐire the develoｐment ｏf vａlue-adｄｅd mobile ｓｅrｖices, ｔｈe use oｆmobile phones as ａccｅｓs ｄevices, and mobiｌe cｏmmerce ｉn gｅnｅraｌ. Tｈe nuｍbeｒｏf moｂｉｌe phｏneｓiｎｕｓe ｆａr excｅeｄs ａny oｔher techniｃal deｖｉｃes ｔhat could be used ｔｏmaｒket，sｅｌl, ｐrodｕｃe，or deliver pｒoｄuｃts ａｎｄｓerｖices to ｃonsｕmers．These developmｅｎts open lucｒａtｉve ｏｐportuniｔies to ｍerchaｎts aｎｄservｉce provｉdｅrs.Purchasｅｄｐrｏduｃtｓand sｅrｖｉcｅs have tｏbｅpaｉｄfor．Ｉniｔｉalｌy，fiｘｅｄ-ｌiｎe telepｈoｎy bｉlling ｓｙstems weｒｅmoｄｉfied tｏｃｈarge mobile ｔｅlephony．Ｌaｔer, mobｉｌｅｔelepｈony bill ｉｎｇsyｓｔeｍｓwｅre iｎtroｄｕcｅd, and usｅd alｓｏto chａｒge vaｒｉous ｍobｉle serｖices wｈｅn sｕch serｖｉcｅs emeｒｇed. Yeｔ, ｐａymentｓbaｓed on bｉlｌｉnｇsysteｍs haｖe ｓeｖeｒaｌlimiｔａtｉons. Tｈese inclｕｄｅcompaｒativｅｌｙhigh payment transactioｎfeｅｓ, ｍeｒｃhant ａnd sｅrｖice prｏvideｒcoｍｐlaints ａbｏuｔunfair rｅvenue shａring，anｄtｈe neｃｅsｓｉty to ｐrovisioｎservicｅs ｔo biｌliｎg systems [６6,8０]. Iｎsｏmｅarｅas, sucｈas tｈe Eｕｒoｐean Uｎion, cｒedｉtｅd paｙmｅn ｔservices to thｉｒd paｒtｉes ｒｅquirｅ a (limited) ｃrｅｄit instｉtution liceｎｓｅ. The ｌaｃk of suｉｔable ｐaｙ-meｎt ｉｎstrumentｓhas for along tｉmｅbeen ｒegaｒｄed aｓ a factor ｔhat ｈaｍｐｅrs the ｄｅｖeloｐｍｅnｔｏf mｏbiｌｅｃommｅrｃｅ．Mobｉｌe paymeｎtｓare paｙmeｎts ｆor ｇooｄs, sｅrviｃes，aｎd bi ｌｌｓwｉｔh a mobiｌe devｉce （suｃh ａs a ｍoｂile pｈone, smart-ｐｈoｎe, or personal digｉｔal aｓｓiｓtａnt (PDA））by taking aｄｖａntage ｏf wirelesｓand othｅｒcoｍmunication ｔechnoｌoｇies. Ｍoｂilｅdevｉces ｃan ｂe ｕsed iｎa ｖａｒiｅty of ｐａymeｎt scｅnarios，ｓｕch as p ａｙｍent for ｄｉgital coｎtｅｎｔ(ｅ．ｇ., riｎg toｎes, ｌoｇｏs, news, ｍusi ｃ, oｒgames), ｔiｃkeｔｓ, pａrkｉnｇfeｅs ａｎd tｒanspｏrｔｆａrｅs, or tｏaccess eleｃtronic pａｙmｅｎt ｓeｒvicｅs to paｙbills anｄiｎvoices．Paymentｓｆｏｒｐhysical gｏods are ａｌso possｉble, both aｔvending anｄticｋetinｇｍacｈｉnes, anｄat ｍaｎｎｅｄpｏint-of-sａle (ＰＯS) teｒminals.A mobile ｐaｙment is ｃａrrｉeｄoｕt witｈ a ｍｏbｉle payment inｓtrｕmenｔsucｈ a mobile creｄit carｄor ａmoｂiｌe wallet. In adｄition to pure ｍobiｌｅpaymｅnt instrumｅntｓ, mosｔeleｃtｒｏnｉｃand ｍany phｙｓica ｌpayｍenｔiｎstruments hａve beｅn ｍｏbiliｚed. Fｕrtｈermorｅ, moｂi ｌe paｙｍents, as ａlｌｏtｈer ｐａymｅnts, fall bｒoａdlｙiｎto ｔwo categoriｅs: ｐaymｅnｔｓfor dａily purｃhaｓes，anｄpaｙmeｎts of bｉlls （crｅdｉteｄｐaymｅnts). For pｕrchaseｓ, mobｉｌe paymenｔs cｏｍpｌemen ｔor comｐｅｔe wｉth cash, cheques, creｄiｔcaｒds, and debit cardｓ. For bills，ｍobile pａymeｎts ｔｙpicaｌly prｏvｉｄe accｅss ｔｏaccoｕnｔ-baseｄpayｍeｎt ｉnｓtruments ｓuｃｈａs moｎey traｎsfers, Iｎtｅrnｅt banking ｐａyments, ｄiｒｅｃt debit assiｇｎｍentｓ, or elecｔｒoｎiｃinｖoice ａccｅptａnｃｅ.In ｔhe ｅarly 2000s，mｏbile payment ｓｅrviceｓbeｃamｅ a hot tｏｐiｃaｎd remainｅｄso ｅvｅｎａfter the burst of ｔhe Intｅrnet hyｐe．Ｈundreｄs of mobile ｐaymｅnt ｓeｒvicｅs，iｎcｌｕdiｎｇaｃｃess to electrｏｎic ｐaymenｔs ａnd Iｎtｅrnｅｔbanｋinｇ，ｗｅre iｎtroduｃed all over ｔhe ｗorld. Stｒikingｌy ｍａnｙof tｈese orts failｅd. Foｒｅxａmｐｌe, ｍost, ｉf not aｌl，of thｅdｏzens of ｍｏｂｉｌe paｙment sｅｒvｉceｓavaila ｂle iｎEＵｃouｎtrieｓand ｌisted iｎｔhe ePSO ｄataｂase iｎ2002 [5] haｖe been dｉscontｉnuｅd. To faciｌitａte thｅdevｅlｏpｍｅnt oｆｂｅtter mｏbilｅpaｙment ｓerviｃｅs, it is importaｎt to ｕndｅrstaｎd the lessons oｆhiｓｈｉstorｙby ｌｅarning wｈat prevｉoｕｓstudies hａvｅｄiｓcoveｒeｄaｂouｔｍobile paｙmeｎtｓaｎd ａbouｔthe ｍｏbｉｌe ｐａym ｅｎt ｓervｉｃｅs markeｔs, ａｓwelｌas wｈat iｓsuｅs have ｒemained unａnsweｒeｄ．Tｈe aiｍoｆｔhis pａｐer iｓtｏsummａrize findinｇs ｆrom past mobile ｐayments resｅａｒch, aｎd to sｕｇgeｓt prｏmisｉｎg ｄiｒｅcｔions f ｏr fｕture rｅsearch. Thｅre aｒｅ a nuｍber ｏf faｃtｏrs tｈａｔhighliｇht tｈe sigｎificａnce and uｓeｆuｌｎｅss ｏf ｓuch ａliteraｔure ｒｅｖiew．Firstl ｙ, the field hａs seeｎ a growiｎｇｎumber ｏf ｐublicatiｏns, yeｔ a ｔhorougｈreｖiew ｏｆeｘisｔｉｎg work is miｓｓｉｎg. Ｔhe ｌaｃk ofｐuｂlished lｉteratｕre revｉews ｉmpedes the pｒｏgress in ｔｈｅfield；ｒevi ｅw ａrtｉcleｓare ｃritiｃal tｏstrengtheｎｉng ａｎaｒeａas a field of study ［88]. Sｅcondly，ｒesearch so ｆar sｅｅms fragmented, ａｎｄlacｋs ａｒoaｄmap or ａｎagendａ．Reｖiｅwｉng ｅxisting literａturｅｎoｔonlｙｌeads ｔo a better uｎdersｔａnding ｏf the staｔe ｏf ｔhｅｒesｅarch ｉn the fieｌd, but it aｌso dｉsｃｅrns pattｅrns ｉｎthe dｅｖelopmｅnt ｏf thｅfieｌｄｉtselｆ. Ｆinally, ａsyntheｓiｓof ｅxiｓｔing findings all ｏws ｒesearchｅrs not to rｅｐeat similａr ｗｏrｋ, aｎｄdiｓｃover impｏrtanｔgaps. Iｎoｔhｅr words, iｔclｏses aｒｅaｓwｈere a pleｔｈoｒa of reseａrｃh ａlreａdy exiｓts, and at the same tiｍｅunｃovｅrｓthosｅaｒｅaｓwhere researｃh iｓｌａｃkｉng [８8].Ａnoｔheｒcｏnｔrｉbution oｆｔｈis ｌiteｒatｕre review iｓthe ｐro ｐosed thｅoretiｃal framｅwork，aｒoｕｎｄwhich ｔhe rｅvｉeｗis orｇa ｎized. Wｅbster ａnd Wａtson [８8] recｏmmenｄthaｔthe best rｅviews neｅd to bｅconceptually ｓｔrｕctured, anｄbased on a guｉｄｉｎｇtheoｒy. Our f ｒamewｏrk pｒovides a guｉｄing sｔｒｕｃture that allowｓus ｔｏeffｅctｉvely aｃｃumulaｔe knｏwl edge, and to intｅrｐｒet previｏus fiｎdings. Ｂeｃaｕｓｅthe frａme wｏｒｋitsｅlｆaims to exｐlain relevanｔfactoｒs in the ｍobiｌe ｐａyment serviｃes maｒｋet, basing ｔhｅｌitｅｒaｔure rｅvieｗｏn ｔhe frameｗoｒk ensures tｈat ｔhe rｅvｉew is comprehｅnsivｅaｎｄｈｏliｓｔic, aｎd reveａｌs ｒesｅarｃh gａps thａt ｃould otheｒwise be oｖer ｌooked. Tｈe framｅworｋｎot onｌｙhelpｓｔo ｅｘplａin the exｉsting boｄy oｆkｎoｗｌｅdge ｏn ｅaｃh factor oｆthｅframｅwork，ｂuｔ，mｏrｅimpoｒtａntlｙ, it ａlso ｐroｖideｓａn ｏveｒvｉew of the mobile payｍent seｒvicｅｓmarket, ｉlｌuｓtratｉnｇhoｗtｈe vａriｏｕｓperspecｔivｅｓand resｅarｃｈfindings fit togetｈeｒａs pａrｔｏｆthe big pｉｃｔuｒe.The fｒamｅwｏrk ｕsed for ｔhe rｅviｅw of ｌiｔerature aｐplies two ｇuidｉｎｇthｅories. They ａｒe thｅfivｅfoｒces moｄel deｖeloped by Porter [68］, and the ｇｅｎeric conｔingency theoｒy whiｃh emerｇｅｄｆrom the work of Lawrｅnce anｄLorch Ｐｅrrow and Thompｓｏn [81]. Tｈｅfrａmework ｉs uｓed ｔo ｃlassify ｐast reｓearch, ｔｏanａlｙｚe ｒeｓｅarｃｈfindings ｏf classified ｓtｕdies, ａnd to ｐｒoｐose meａninｇful reseａｒch quesｔions for ｆuture ｒeseａｒch fｏｒeach factor．Tｈe ｐriｍe actｏｒs iｎtｈｅmobiｌe paymeｎｔservｉces ｍaｒket are mobile ｐaymeｎt serｖｉcｅprovidｅrs and their cuｓtoｍers. Variouｓｐarties assuming ｔhｅse rolｅs in ｔhe mａrkeｔincｌuｄe consｕmers，me ｒcｈants, finaｎcｉａl iｎｓｔｉtutions aｎd tｅlｅcoｍｏperatｏｒs. Adｄiti ｏnal pａｒtieｓ，tyｐiｃally vｅndorｓof hａnd ｓetｓ, soｆtwaｒe，ｎetwo ｒks and other tｅcｈｎologies ｍａｙａｌso bｅｉnｖｏlved．The ｐower ａnd the interests of theｓe ｐａrtiｅs impacｔｈoｗtechnolｏgies aｎｄother resources ａre ｏrｃheｓtｒaｔｅｄinｔo mobile pａｙment seｒｖices, and how thｅｓe sｅrviceｓare oreｄｔo and usｅd by the market. Ｍorｅｏｖer，mobｉle payｍeｎt servｉcｅｓcompeｔｅfor ｔｈe attｅｎtioｎｏfcｕsｔomerｓand otｈeｒpartｉes ａgainｓｔphysiｃaｌaｎｄelectronｉc payｍent ｓｅrvｉｃeｓ. Moｂile payment services ａre a ｎatｕrａｌchｏｉce tｏpay foｒmｏbｉle ｓervicｅs．Ｙet，ｔo ｓuｃcｅed，ｍobile ｐａyment serviｃes may ｈａｖe to offｅr ａdded vaｌuｅand be avａiｌａble for oｔher relevant paｙmeｎt ｅｎｖiｒｏｎｍｅｎｔs ａｓwelｌ.Poｒter’s [68］coｍｐetiｔiｖe fａctorｓstrａtｅgｙmoｄel, or the five forｃes moｄel，ｄeｓｃｒibｅs ｂoth the ｋey ｒole ｏf ａｍobile paｙｍeｎt service proｖideｒ, ａｎd otｈer maｒｋet fａctoｒs. Tｈｅmodel a ｐｐlｉｅs ｉnｓights from indｕstriaｌｏｒｇanｉzatｉon theｏrｙto ａnaｌyze ｔｈe competiｔivｅenviｒonmenｔon the levｅl of bｕsinｅss units [3］, ａnd ｒelaｔes tｈｅaverａge pｒｏfitabilｉty of tｈe paｒticｉｐａntｓiｎan ｉnduｓtry ｔo compeｔitive ｆｏrｃes [3０］. The basic prｏpｏsitioｎis that orgａｎｉzａtionａl peｒformance ｍａinｌy depｅｎｄs on tｈe indusｔｒy structure. Ａccoｒding to Peａrce and Robiｎsｏn [６5] and Ｊohｎson [2９]，the stｒengｔhｓof Pｏrter’s model are tｈａt ｉｔｐrovｉdes one s ｉmｐｌe aｐproaｃh to anaｌyｚe inｄｕstry struｃｔｕre, idｅntify aｎd determinｅthｅattrａｃtｉｖeness of an indｕstry, reveal insights on profitabiｌity, iｎｆorm importａnｔdeciｓions abｏｕｔwhethｅｒto leａve or enter iｎｄustｒies or ｓectors，aｎｄdeveｌop stratｅｇic optiｏnｓｔｏiｍｐrove relatｉｖｅperformanｃe in ｔhｅｉndustry or ｉnfluｅnce rｅlativｅｐoｓｉｔion in the inｄusｔry. As ｏｎe oｆthe most ｉnflueｎtial managｅmｅｎｔtooｌs for sｔrategic induｓｔry aｎａlysｉs ［3], tｈｅmodel has been apｐlｉedby nｕｍerous practiｔioners ａｎd ａcａｄｅmｉｃｓ[30]. Thｅaｂovｅargumｅnts sｕgｇest tｈat the modｅl is ｗｅll suited to guiｄe tｈe claｓsificatio ｎof litｅｒａｔuｒe on tｈe mobile payments serviceｓmarkets．In additiｏn tｏthe ｃｏmｐetitive fｏrcｅs ｗithin the moｂilｅpaymｅnts ｓerｖiｃes maｒkets, other factoｒｓare ｂelieｖｅd ｔｏimpact these maｒkｅts as wｅll, fｏr examｐｌe, tｅcｈnolｏｇy and stａｎdａｒds, regulatory a ｃtiｖiｔｉes anｄlegiｓlａｔｉon, eｓtab lished puｒchａsｅand ｐayｍｅｎt ｈaｂiｔs, or nａｔｉonal economy inｆｒaｓtｒucturｅs．If ｗｅｒegard a ｍobｉlｅpａyment sｅrｖices market as tｈｅｕnit oｆａｎalyｓｉs (orgａnization), theｓe oｔher ｆａｃｔoｒs becｏｍｅconｔiｎgency ｆａctoｒｓ，ｗhｉｃh influenｃe the pｅｒｆoｒmancｅｏf the unit buｔａｒe beyond the inflｕeｎcｅａnｄcoｎtｒol ｏｆthat uniｔ, ａs definｅｄin the contiｎgｅncy theory. Conｔingeｎcy theｏrｙtｈｅｒｅfore ｉs also wｅｌl suｉted to claｓｓify mobｉle payments ｒesｅarch and to caｐtuｒｅthe ｅnviｒonmentａl facｔorｓwｈicｈaｒe ｃharacteriｓtic to tｈe ｍobile ｐａymeｎｔsｅrvices markｅts .Thｅrootｓof ｃoｎtingｅncｙtheory arｅｔypiｃａlｌy seeｎin ｏｐen syｓtｅms ｔheｏry ａnd iｎCyerｔ–Simon–Maｒch stｒｅam ｏf tｈe ｏｒy （ｅ.g., ［23,89])．Contingeｎｃy theory emphasｉzeｓthe ｉmporｔａncｅof eｎｖironmental ｉｎfluｅnｃes, espｅcially ｔechｎｏｌｏgy, on thｅmａnagｅment of oｒｇanｉzａｔions，and suggesｔｓtｈａt tｈere iｓno single best waｙto manage or oｒganｉｚe. The identifiｃation of contｉｎgｅnｃy facｔors iｓonｅtypｉｃal research tｈeme. Ｉn aｄｄiｔｉon to ｔechnology, other typiｃal conｔｉngｅnｃy ｆａctors iｎclude cultural，sｏｃial and econｏmｉc faｃｔors．In the cｏntexｔof mobile ｐayment sｅrviｃｅs mar ｋeｔs, it is natural tｏｉncludｅｒeguｌation，jurisdｉcｔｉon anｄsｔandardizatiｏn faｃtｏrs too becaｕse finａncial serｖiceｓａnd telecommunｉcatｉon are amｏng tｈe moｓｔrｅｇulａｔed industｒｉｅs, and tｈe ｕｓe ｏｆｓtanｄａrｄs ｉｓchaｒactｅｒistic ｔｏtelｅｃommunication.Two featurｅs of ｃonｔinｇｅｎcy thｅory maｋe iｔusefuｌfor ouｒpｕrposes．Contingｅｎcy theoｒy ｉs deｓcribｅd ａs a miｄｒanｇe thｅory w ｈich ｆalls ｂｅｔwｅｅn tｗｏｅxｔrｅｍe viｅｗs [21,89］. Aｃcording ｔo ｏne eｘｔreme view, iｔｉｓpｏｓｓibｌe to find unｉveｒsally true thｅories，ｗherｅas ｔｈe other ｏnｅclaiｍs thaｔｅach unit oｆaｎalysis is unｉque and hａs to ｂｅanalyzed ｂaｓed on sitｕational ｆactｏrs. Ｃｏｎｔingency theory ｐｏstulates that ｅnvirｏｎｍental fａｃtｏrs are ｉmｐortant ｂut ａｌsｏthａt the iｍｐacts oｆenｖｉronmeｎtａl faｃtｏｒs ａre systematic, rａthｅｒtｈaｎeｎtｉｒely situatioｎal. Tｈe contingeｎcy apｐroacｈｉs useｆul fｏｒthe cｌａssifiｃation of moｂiｌe ｐayment reseaｒch, ｓince, fｏｒexample，mobile pａymeｎｔsｅrvｉces diｅｒbetween ｍarkｅts, sｕch aｓJapａn, ｖaｒious Eｕrｏpｅan cｏｕntrｉeｓ, or ｔｈe UＳA，ｂut tｈｅy dｏso in sysｔｅmatic ways, foｒinstance due to ｄiｅreｎcｅs in ｐａyment technｏｌogy infrastructuｒｅ, ｒegulatioｎ，ｌawｓ, ｏr ｈabits.Thｅｏｔhｅr usefuｌｆeatuｒe of contingencｙｔheoｒｙiｓthe‘‘environｍent –ｓtraｔegy –perfｏrmancｅ’’lｉｎk [21]．The ｔheory cｌａｉms ｔhat ｔhe enviroｎmｅnt, suｃｈａs thｅaｍount and tｙpe of rｅgulatioｎ，ｉmｐacts the struｃtｕre of the organizatiｏn, ｂy, for ｅxａmple, inflｕｅncｉng ｗｈich eｎtｉties ｈａve iｎｃｅntiveｓｔo beｃoｍe ｍobilｅｐaymｅｎｔservicｅｐrｏvｉders. Thiｓ, iｎtuｒn, imｐacｔs ｐｅｒｆoｒmａｎｃe, ｓuch aｓadopｔiｏn ｉｎteｒests oｆｍerｃhanｔｓand ｃoｎｓｕｍers. Aｎｏｔheｒｅxample ｉｓtｈaｔenhaｎｃed ｔechnｏlogy maｋeｓｉt pｏssible to pｒovide enｈａｎced serｖiｃeｓ, whiｃｈｉn ｔurn ｉncreases iｎterｅst towarｄｔhe servｉcｅs. Tｈe resultｉｎg frａmewｏｒk is preｓented iｎFig. 1. The framｅwork ｉs muｌｔi－facｅted sｉnce it includes bｏth mａrｋeｔfａctors and ｃontinｇency faｃtors. The inner fａcet of thｅｆrａmeｗork，tｈat is ｃompｅtｉtiｖｅfactoｒs, descrｉｂes ｔｈe five mａin cｏmpeｔitiｖe fｏrceｓｏf ｔhｅmoｂｉle paymｅnt seｒvices mａrkets. The oｕter ｆａcet oｆｔhe framewoｒk incｌｕｄｅs ｃontin ｇeｎcy factｏｒs, that ｉs，tｅchnoｌogｉcaｌ，sｏcial/cｕltural, cｏmmercial, ａnd legal/regｕlato ｒy/ｓtandａrdiｚatｉoｎ.Iｎaｄditiｏn to tｈe ｔheｏrｅticaｌbasis deｓｃｒibed abｏve, the framework has also been inflｕenced by reseaｒch mｏdelｓpropｏsed in eaｒlier ｓtuｄies [１0,28,2７]. Ｊayeｗardｅne and Ｆoleｙ[28] propｏｓｅｄthａｔｃhａnｇes in tｅcｈnoｌogｉcaｌ，cuｌtｕｒal, ｃommercial and legal facｔoｒs, tｏｇether with tｈe compeｔitive ｆorｃes oｆfinａnｃｉal sｅrｖｉcｅs market, dｒiｖｅfiｎancial serviceｓdeｖeｌopment. Ｊavａlgi ａnｄＲamｓey [2７] suggestｅｄthａt ｉnformａtion technoｌｏgy ａnｄｔeｌecｏmmunicａtion, social/ｃultｕraｌｃｏmｍｅrciaｌ, and goｖｅrｎｍent／leｇal fact ｏrs ｉｍpaｃｔthe diｕｓion ｏf gloｂａl eCommerce．Dahlｂerｇand Mallat [１0] combined thesｅtwo models ｔo descrｉbｅfactors wｈｉch ｃhaｒactｅrize ｍoｂｉle ｐａyment serｖiceｓmａｒkets and impaｃt tｈｅｄｉusion of tｈｅse seｒvices.We ｓｔress that the fraｍeworｋｃａn be usｅd aｓ a ｍetamoｄel to clasｓify thｅeｘiｓｔiｎg ｌｉteraｔure，ａnd as a resｅaｒch moｄel ｔo examinｅｔhｅdie renｔfactｏrs ｔhat iｎflｕeｎｃｅtｈe moｂiｌe ｐａｙmeｎts serｖiceｓmaｒket．Ｔhｅfｒａmｅwork iｓusｅful ｆor theｓｅpurposes bｅcausｅ: (1）it ｉs ｂaｓed ｏn guｉdiｎg tｈeｏriｅs, is ｃｏｎce ｐtually sｏunｄ, aｎｄdｒａwｓfrom prｅｖiｏus research; (2) iｔｈｅlps ｔo ｂring clarｉｔｙｔｏtｈｅmultiple topics and to tｈｅｖaｇue，coｎflictiｎg termｉnoｌoｇｙpｒeｓeｎt iｎprｏfｅｓsｉonａl aｎd acａdemiｃmobｉｌe payｍenｔliteratuｒe；aｎｄ（3) it shows ｃleaｒly ｗhａｔｆａctors imｐact ｔｈｅmｏbiｌe paymenｔs sｅrｖiｃes mａrｋet and serviceｓdeveｌopment, ａｎotｈer iｓsuｅin neeｄof clarｉｔy.出处:Tomi Ｄahlbｅrg .Eleｃtronｉc Commerｃe Ｒeseaｒch anｄＡpplications ７(2008）１６5–１81二、翻译文章标题：关于移动支付过去，现状，未来的文献综述译文:手机已经深刻地改变了电话史，他们具备的了普通电话所不具备的很多功能，比如说激励增值移动服务发展，作为接入设备使用的移动电话，以及通用移动商务的使用。