金融素养,行为特征,以及在日本的电子支付的采用和使用
Trinh Quang Long1, Peter J Morgan2, Naoyuki Yoshino3
1Faculty of Business, FPT University HCM Campus, Ho Chi Minh City, Vietnam.
Financial innovation
|June 16, 2023
概括
在日本,更高的财务素养促进了电子支付 (ePayment) 的采用. 避免风险阻碍了电子支付的使用,而群体行为鼓励了它,影响了财务素养.
科学领域:
- 行为经济学是一种行为经济学.
- 金融技术 (金融科技)
背景情况:
- 电子支付 (ePayment) 服务正在改变全球交易.
- 了解影响电子支付采用的因素对于金融包容性和创新至关重要.
- 由于其特殊的经济和社会特点,日本为研究电子支付的采用提供了一个独特的市场.
研究的目的:
- 调查金融素养和行为特征对日本ePayment采用的影响.
- 分析金融素养与使用电子货币和移动支付应用程序之间的关系.
- 探索个人行为倾向如何改变金融素养对电子支付普及的影响.
主要方法:
- 使用日本银行2019年金融素养调查 (n=25,000) 的数据构建金融素养指数.
- 分析电子货币和移动支付应用的广泛和密集使用情况.
- 应用仪表变量方法来确定因果关系.
主要成果:
- 更高的财务素养与电子支付采用和使用的可能性和频率的增加正相关.
- 风险回避与电子支付服务的采用和使用率较低有关.
- 群体行为积极影响ePayment的采用和使用.
- 金融素养对电子支付采用的影响在不同的行为特征群体之间有很大差异.
结论:
- 金融素养是日本电子支付采用的关键驱动力.
- 风险厌恶和群体心态等行为特征在塑造电子支付使用模式方面发挥着重要作用.
- 需要考虑金融素养水平和行为特征的定制策略,以有效地促进电子支付的采用.
关键词:
电子货币是一种电子货币.金融素养的提高金融素养异质性 金融素养异质性群体行为 群体行为日本 日本 日本 日本 日本.移动支付应用程序移动支付应用程序避免风险 避免风险电子支付通过通过.电子支付的使用情况更多相关视频
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