| Summary: | 碩士 === 中原大學 === 財務金融研究所 === 106 === This study uses the annual data of 33 countries around the world obtained from 2008 to 2015 as the frequency. By utilizing the Panel Data with one way and two way of fixed and random effects model for empirical analysis, this paper explores the possible influencing factors that affect the use of mobile payments in various countries. Moreover, this studty trys to find out the relationship between the ratio of mobile payment and the factors of technology and macroeconomics. In this paper, the influencing factors were subdivided into: the Internet Population Rate above and below 70%, the Mobile Phone Number Growth Rate above and below 2.5%, the Educational Index above and below 80%, and Ranking of the National Competitiveness above and below 25. By adding a speed adjustment coefficient this paper further explores the impact of various factors on the rate of adjustments desired by countries to reach the target of promoting mobile payments.
This study uses the Usage of Payment Card for Consumption Contribution and the Usage of Payment Card for GDP Contribution as a substitution variable to the mobile payment ratio. The empirical results show that Mobile Phone Number Growth Rate, Internet Population Rate, Inflation Rate, Educational Index, and Ranking of the National Competitiveness were positively correlated with the mobile payment ratio. On the other hand, Unemployment Rate, Total Expenditure on R&D, Urbanization Rate, and Digital Application Skills were negatively correlated with the mobile payment ratio.
The adjustment coefficient was added to judge the rate of desired adjustment level in this study. The comparison of the Usage of Payment Card for Consumption Contribution and for GDP Contribution showed that the largest adjustment coefficient existed in Ranking of the National Competitiveness above 25, while the smallest adjustment coefficient was Educational Index below 80%. This means that countries with high national competitiveness can quickly achieve the mobile payment ratio through changes in relevant policies. In addition, countries with a low education index will need longer time to achieve the desired level in the mobile payment ratio.
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