关键词:
移动支付
电子商务
消费者
消费者行为
摘要:
伴随着互联网的发展和移动设备的普及孕育而生的移动支付蔚然成风,在电子商务领域的应用也日渐广泛,对消费者购买决策产生了深远影响。作为以移动终端设备为媒介的交易支付方式,移动支付的便捷性、安全性、实时性等特点为电子商务的发展注入了新兴活力。在线上购物过程中,消费者只需通过手机应用程序或网页即可完成支付,无需携带现金或银行卡,大大节省了时间和空间。本文将列举支付宝、微信支付等移动支付平台中消费者的应用实例,并探讨各移动支付平台在支付方式、加密技术、风险控制等方面的具体运用。结合技术与消费者心理,分析移动支付在电子商务中的应用现状及其对消费者购买决策的影响,旨在为行业的发展提供一定的启示。With the development of the Internet and the popularization of mobile devices, mobile payment has become a trend, and its application in the field of e-commerce is becoming more and more extensive, which has a profound impact on consumers’ purchase decisions. As a transaction payment method with mobile terminal devices as the medium, the convenience, security, and real-time characteristics of mobile payment have injected emerging vitality into the development of e-commerce. In the process of online shopping, consumers can complete the payment through the mobile app or web page, without the need to carry cash or bank cards, which greatly saves time and space. This article will list the application examples of consumers in mobile payment platforms such as Alipay and WeChat Pay, and discuss the specific applications of each mobile payment platform in terms of payment methods, encryption technology, risk control, etc. Through the analysis of technology and consumer psychology, the application status of mobile payment in e-commerce and its impact on consumers’ purchase decisions are analyzed, aiming to provide some enlightenment for the development of the industry.