Research On NFC Near Field Payment User's Willingness To Use

With the continuous innovation of intelligent hardware and the progress of data transmission technology,the field of mobile payment has made remarkable development,and near field payment as a mobile payment is very important in a form of payment,but also made considerable progress,domestic and international intelligent equipment manufacturers have producted their own near-field payment products,whether for businesses or consumers,near-field payments are playing an increasingly important role."Chinese payment and settlement development report(2016)" predicts that traditional bank card payments may stabilize its market share by near-field payments and other new technologies,which in the next 5 to 10 years to occupy an important position in the global payment market.Therefore,the study of the use of near-field users,analysis of the advantages and shortcomings of near-field payment in order to find a future market competition in a reasonable strategy has become a top priority.This paper starts with the near-field communication technology,then leads to the definition,the basic principles and types of near-field payment;analyzed current situation of NFC near-field payment from the market share,industrial chain and other aspects,and elaborated the shortcomings and deficiencies of the near-field payment of NFC in the current technical level and market conditions;chose two typical representative groups among the many stakeholders of NFC: consumers and the opposite(mainly business),starting with the comparative analysis with current mainstream of the sweep payment from their perspective.The questionnaire survey method was used in the process of analyzing the consumers,and the Logistic model was established according to the questionnaire results.For business,more through the field investigation and visits,the investigation of the two cities in a number of different sizes,different industries and different forms of business,while the banks and regulatory policies on their impact.Through the comprehensive analysis,the final conclusion is that the two kinds of payment will be long-term coexistence and mutual penetration,but the NFC payment is the future development trend.Finally,it made some suggestions from the different angles,different levels for the development of NFC near-field payment: improve the payment supervision,create an open platform to promote cooperation between the industry chain and enhance the user's willingness to optimize the program,which have some reference significance for the NFC near-field payment business development direction.