电子支付市场的创新策略与演化

摘要

为了研究支付机构间的竞争性互动行为,通过引入支付市场用户的“转换成本”差异分析用户的异质性及其行为对支付创新策略的影响,并运用演化博弈推论局部渐进演化稳定战略的形成条件.证明了当演化均衡路径可达时,会强化或弱化整个支付市场的创新行为,为研究支付机构群体间创新所带来的竞争性互动提供了理论框架.%In order to study the competitive interactive behavior of the payment institutions. we review the influence of user heterogeneity for payment service innovation strategy based on the transfer cost. We also analyze the formation conditions of the local progressive evolutionary stable strategy through evolutionary game, and prove that e-payment market Innovative behavior will be intensified or weakened when there is an evolution equilibrium pathway. We offer a theoretical framework for researching innovation competition interactive between payment institutions.