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毕业论文（设计）外文翻译一、外文原文标题：Past，presentandfutureofmobilepaymentsresearch:Aliteraturereview原文：Themobilepaymentservicesmarketsarecurrentlyundertransitionwithahistoryofnumeroustriedandfailedsolutions,andafutuofpromisingbutyetuncertainpossibilitieswithpotentialnewtechnologyinnovations.Atthispointofthedevelopment,wetakealookatthecurrentstateofthemobilepaymentservicesmarketfromaliteraturereviewperspective.Wereviewpriorliteratureonmobpayments,analyzethevariousfactorsthatimpactmobilepaymentservicesmarkets,andsuggestdirectionsforfutureresearchinthestillemergingfield.Tofacilitatetheanalysisofliterature,weproposeaframeworkoffourcontingencyandfivecompetitiveforcefactorandorganizethemobilepaymentresearchundertheproposedframework.Consumerperspectiveofmobilepaymentsaswellastechnicsecurityandtrustarebestcoveredbycontemporaryresearch.Theimpactsofsocialandculturalfactorsonmobilepayments,aswellcomparisonsbetweenmobileandtraditionalpaymentservicesareentirelyuninvestigatedissues.Mostofthefactorsoutlinedbyframeworkhavebeenaddressedbyexploratoryandearlyphasestudies.Mobilephoneshavetransformedtelephonyprofoundly.Theyareequippedwithfunctionalitieswhichsurpasstelephonyneeds,andwhichinspirethedevelopmentofvalue-addedmobileservices,theuseofmobilephonesasaccessdevices,andmobilecommerceingeneral.Thenumberofmobilephonesinusefarexceedsanyothertechnicaldevicesthatcouldbeusedtomarket,sell,produce,ordeliverproductsandservicestoconsumers.Thesedevelopmentsopenlucrativeopportunitiestomerchantsandserviceproviders.Purchasedproductsandserviceshavetobepaidfor.Initially,fixed-linetelephonybillingsystemsweremodifiedtochargemobiletelephony.Later,mobiletelephonybillingsystemswereintroduced,andusedalsotochargevariousmobileserviceswhensuchservicesemerged.Yet,paymentsbasedonbillingsystemshaveseverallimitations.Theseincludecomparativelyhighpaymenttransactionfees,merchantandserviceprovidercomplaintsaboutunfairrevenuesharing,andthenecessitytoprovisionservicestobillingsystems[66,80].Insomeareas,suchastheEuropeanUnion,creditedpaymentservicestothirdpartiesrequirea(limited)creditinstitutionlicense.Thelackofsuitablepay-mentinstrumentshasforalongtimebeenregardedasafactorthathampersthedevelopmentofmobilecommerce.Mobilepaymentsarepaymentsforgoods,services,andbillswithamobiledevice(suchasamobilephone,smart-phone,orpersonaldigitalassistant(PDA))bytakingadvantageofwirelessandothercommunicationtechnologies.Mobiledevicescanbeusedinavarietyofpaymentscenarios,suchaspaymentfordigitalcontent(e.g.,ringtones,logos,news,music,orgames),tickets,parkingfeesandtransportfares,ortoaccesselectronicpaymentservicestopaybillsandinvoices.Paymentsforphysicalgoodsarealsopossible,bothatvendingandticketingmachines,andatmannedpoint-of-sale(POS)terminals.Amobilepaymentiscarriedoutwithamobilepaymentinstrumentsuchamobilecreditcardoramobilewallet.Inadditiontopuremobilepaymentinstruments,mostelectronicandmanyphysicalpaymentinstrumentshavebeenmobilized.Furthermore,mobilepayments,asallotherpayments,fallbroadlyintotwocategories:paymentsfordailypurchases,andpaymentsofbills(creditedpayments).Forpurchases,mobilepaymentscomplementorcompetewithcash,cheques,creditcards,anddebitcards.Forbills,mobilepaymentstypicallyprovideaccesstoaccount-basedpaymentinstrumentssuchasmoneytransfers,Internetbankingpayments,directdebitassignments,orelectronicinvoiceacceptance.Intheearly2000s,mobilepaymentservicesbecameahottopicandremainedsoevenaftertheburstoftheInternethype.Hundredsofmobilepaymentservices,includingaccesstoelectronicpaymentsandInternetbanking,wereintroducedallovertheworld.Strikinglymanyoftheseortsfailed.Forexample,most,ifnotall,ofthedozensofmobilepaymentservicesavailableinEUcountriesandlistedintheePSOdatabasein2002[5]havebeendiscontinued.Tofacilitatethedevelopmentofbettermobilepaymentservices,itisimportanttounderstandthelessonsofhishistorybylearningwhatpreviousstudieshavediscoveredaboutmobilepaymentsandaboutthemobilepaymentservicesmarkets,aswellaswhatissueshaveremainedunanswered.Theaimofthispaperistosummarizefindingsfrompastmobilepaymentsresearch,andtosuggestpromisingdirectionsforfutureresearch.Thereareanumberoffactorsthathighlightthesignificanceandusefulnessofsuchaliteraturereview.Firstly,thefieldhasseenagrowingnumberofpublications,yetathoroughreviewofexistingworkismissing.Thelackofpublishedliteraturereviewsimpedestheprogressinthefield;reviewarticlesarecriticaltostrengtheninganareaasafieldofstudy[88].Secondly,researchsofarseemsfragmented,andlacksaroadmaporanagenda.Reviewingexistingliteraturenotonlyleadstoabetterunderstandingofthestateoftheresearchinthefield,butitalsodiscernspatternsinthedevelopmentofthefielditself.Finally,asynthesisofexistingfindingsallowsresearchersnottorepeatsimilarwork,anddiscoverimportantgaps.Inotherwords,itclosesareaswhereaplethoraofresearchalreadyexists,andatthesametimeuncoversthoseareaswhereresearchislacking[88].Anothercontributionofthisliteraturereviewistheproposedtheoreticalframework,aroundwhichthereviewisorganized.WebsterandWatson[88]recommendthatthebestreviewsneedtobeconceptuallystructured,andbasedona