Analysis of Union-Bank Online Payment Mode Based on Network Ezternafity
Internet Banking payment gateway mode can not realize cross-banking online payment;Third-Party online payment mode has challenges on the qualification of main body, which make the two can not eventually become the leading mode of online payment. Through establishing a commercial bank specializing in online payment business, Union-Bank online payment mode can solve the problems of both cross-banking online payment and qualification challenges of main body. This article analyzed the necessity and effectiveness of the implementation of Union-Bank online payment mode from the perspective of network externality;built measurement models of online payment network externality indicators;analysis of the measurement models showed that network externality effect brought by Union-Bank online payment mode is higher than Internet Banking payment gateway mode and Third-Party online payment mode. The paper had three innovative points, including introduce network externality theory to the study of online payment mode;have a quantitative analysis of the implementation effectiveness of Union-Bank online payment mode by Metealfes Law;adopt population model to develop the model of online payment network sizes which proved that the Union-Bank online payment mode is better than the other two.
network ezternality Union-Bank online payment mode Third-Party online payment mode Internet Banking payment gateway mode
Qifeng Yang Xuan Ma Ping song
School of Economics, Wuhan University of technology, Wuhan, 430070, China
国际会议
第八届武汉电子商务国际会议(The Eighth Wuhan International Conference on E-Business)
武汉
英文
655-664
2009-05-30（万方平台首次上网日期，不代表论文的发表时间）