ФАКТОРЫ, ВЛИЯЮЩИЕ НА РАСПРОСТРАНЕНИЕ И ПРИНЯТИЕ ИННОВАЦИЙ В СФЕРЕ ПЛАТЕЖНЫХ ТЕХНОЛОГИЙ
https://doi.org/10.17747/2078-8886-2016-3-86-93
摘要
Безналичные платежные инструменты обеспечивают пока незначительную часть платежей, но использование инновационных продуктов в этой сфере растет довольно высокими темпами. Проанализированы факторы, влияющие на распространение и принятие инноваций в платежной сфере, в целях разработки концептуальной модели процесса принятия данного вида инноваций. В результате были выявлены экономико-технологические и социально-демографические факторы, оказывающие наибольшее влияние на рассматриваемый процесс, а также специфические зависимости между ними. Для моделирования поведения потребителя было предложено использовать параметры, отражающие фактический уровень информированности об инновации, намерения использовать инновацию и использования инновации. В результате была построена концептуальная модель, учитывающая факторы, определяющие принятие инноваций в платежной сфере и состояние агента.
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供引用:
Pogosyan A.M. А STUDY OF FACTORS AFFECTING THE DIFFUSION AND ACCEPTANCE OF PAYMENT SERVICES INNOVATION. Strategic decisions and risk management. 2016;(3):86-93. (In Russ.) https://doi.org/10.17747/2078-8886-2016-3-86-93
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