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With the rapid expansion of mobile e-commerce, an increasing number of businesses have jumped into the fray in all facets of the mobile electric commerce industry chain. The payment link is the most competitive. From the norm in the sector to the consumer market, telecom operator rivalry, as well as third-party payment between different companies, never ceases. In the context of mobile e-commerce, however, competition has shifted from traditional product-centered to customer- centered, and business success frequently rests on the customer. As a result, the competition in the mobile e-commerce payment industry is essentially about competing for users. Mpay is characteristic of mobile e-commerce payment firm representatives; on the basis of theoretical analysis, combined with the reality of the economic background, the study chose Mpay mobile payment users as research subjects and analyzed the major variables of user acceptability. The model was built on the basis of an extensive evaluation of past research results of user acceptance model and reference to UTAUT model. The model considered performance expectancy, effort expectancy, and social influence, facilitating condition as independent variables determining user behavior intention, Based on the conceptual model, the paper conducted an empirical investigation as a case study of a Mpay mobile payment user using data from a questionnaire, while also conducting a separate discussion of the impact of perceived risk and trust on user acceptance. The empirical results indicate that for mobile payment users, performance expectancy has the greatest positive effect on behavior intention, while facilitating conditions, social influence, perceived risk, effort expectancy, and trust have no effect. In addition, gender and age were discovered to influence user acceptance
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Intended as an economic and development hub, the Hengqin Cooperation Zone aims to foster collaboration and integration between mainland China, Hong Kong, and Macao, serving as a platform for economic development and innovation among the three regions. The zone's development has increased demand for financial services, often offered through fintech. There is, however, a lack of interoperability between the fintech services currently used in Macao and Hengqin. This may hinder Macao users' adoption of the technology. Thus, our research objective is to identify the factors determining Macao residents' adoption of fintech services in the area and provide insights for service providers, developers, and policymakers. A framework based on the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) was used for this purpose. The responses of 103 Macao residents provided evidence that ease of use significantly and positively impacts the usefulness of the technology. This in turn influences attitudes towards fintech usage. Subjective norms and perceived behavioral control positively impact fintech adoption intentions. The fintech industry and the governments of Macao and Hengqin can work on improving technology's ease of use and usefulness. They can also promote them to Macao users, and provide the resources required for better access to fintech in the zone
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The question of how to adequately integrate environment and labor provisions in free trade agreements is still a difficult one for both States and academicians. This article explores China’s approach to environment and labor issues in free trade agreements. For reference and comparison, it relies on the European Union’s and the United States’ approaches in their respective FTAs. The article identifies China’s preference for a case-by-case approach to the inclusion of environmental chapters in its FTAs. Additionally, in most FTAs it avoids to include provisions on labor standards. These two preferences represent major divergences from the European Union’s and the United States’ approaches, characterized by inclusion of chapters on environment and labor in all their modern FTAs. The article also finds that China’s FTAs rely solely on consultations and cooperation for the implementation of environmental and labor provisions, within the framework of Joint Committees and avoid the inclusion of civil society mechanisms. Moreover, resolution of disputes relies exclusively on consultations, in a diverse procedure than the one applicable to trade disputes. Despite alignment with the European Union model, this is another major point of divergence with the United States’ model, which applies the same enforcement mechanism for both environment and labor issues and trade issues and includes the possibility of applying sanctions. Finally, the article concludes that China’s options with regards to the treatment of environment and labor concerns in its free trade agreements aligns with both its domestic governance approach and its approach to international cooperation.
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