Research On The Intention Of Small And Micro Merchants To Aggregate Payment Access

In the era of "Internet +",China's payment system has undergone tremendous changes.With the penetration of mobile payments into various areas of residents' lives,QR code scanning has become the main payment method for consumers.However,the diversification of consumer scanning code payment platforms has led to fragmentation of the offline scanning code payment market.In order to improve the experience of the payee,under the impetus of the innovation mechanism,aggregate payment came into being.Since 2016,the size of the aggregate payment market has risen rapidly,and the blue ocean market has turned into a fiercely competitive Red Sea market.At the same time,the willingness of the aggregated payment of the demanding entity presents a large difference.In this context,this paper focuses on the research and development of small micro-business aggregation payment access willingness,and analyzes the main factors affecting the willingness of small micro-business to aggregate payment access.This paper takes small and micro merchants in Zhengzhou as the survey object,and obtains first-hand data through questionnaire survey.On the basis of fully understanding the development of China's aggregate payment market and the research on aggregate payment,the descriptive statistical analysis of the questionnaire survey results.The descriptive statistical analysis includes the cross-analysis of relevant factors and the willingness of small and micro-mergers to aggregate payment access,and initially screens the factors affecting the willingness of small and micro-mergers to aggregate payment access.At the same time,in order to determine which factors affect the small and micro-business aggregation payment access willingness and the degree and direction of impact,this paper selects the binary logistic regression model for quantitative analysis according to the variable type and model applicability.The model regression results show the seven factors of the gender of the merchant,the age of the merchant,whether the merchant has the habit of withdrawing cash,the frequency of daily small collection of merchants,the choice of consumer paymentmethods,the purchase of consumers,and the degree of understanding of merchants' aggregate payment.It has a significant impact on the small and micro-merger aggregation payment access willingness.According to the descriptive statistical analysis and the binary logistic regression model quantitative analysis results,combined with the relevant content of the questionnaire,the following conclusions are drawn: the Zhengzhou area aggregate payment market tends to mature;the rate concession is the main means to enhance the merchants' willingness;The frequency of collections has the most significant impact on merchants' willingness.Finally,the government and the aggregation payment service providers are proposed to help improve the willingness of small and micro merchants to aggregate payment access.The government level puts forward suggestions on the construction of the aggregate payment market and the protection of consumer rights.The Aggregation Payment Service provider level provides recommendations on product optimization and service enhancement.Research based on the perspective of small and micro businesses is the innovation of this paper.Previous research on aggregation payments is rare,and research based on small and micro business perspectives is even less.As an important demand subject of the aggregate payment market,small and micro merchants need to conduct in-depth research from the perspective of small and micro merchants.