旅行中手机支付故障的研究

The ‘cash-free’ phenomenon in China has been noted worldwide, thereby indicating that tourists in this country heavily depend on mobile payments during their travel. However, this dependence may become problematic when mobile payment transactions fail. Thus, the present study systematically evaluates mobile payment failure by examining the awareness of tourists, explores the parties involved in mobile payment, and proposes a conceptual model of failure assessment on the basis of the multi-hazard risk assessment model. Results show that mobile payment failure is related to four parties, namely, merchant, network operator, service provider, and user. Practical implications are further discussed in this paper.