Impact of Mobile Payments on Economy

Running head: ANNOTATED BIBLIOGRAPHY
Annotated Bibliography
Name of the Student:
Name of the University
Author’s Note:

The impact of using Alibaba's Alipay to make a payment and how does it success in China
Choi, Y., & Sun, L. (2016). Reuse Intention of Third-Party Online Payments: A Focus
on the Sustainable Factors of Alipay. Sustainability, 8(2), 147.
Short Explanation
Descriptive Summary Relevance and evaluation
The authors aim at finding the sustainability
of Alibaba’s Online payment service i.e.
Alipay. They analyze various factors
affecting the sustainability of the service and
zero on two factors which are convenience
and security. Rest of the factors do not
contribute to sustainability of this service.
This research serves as a base for many
other companies in China, working on
similar platform. It concludes the factors
that the companies shall work upon in order
to gain sustainable operations and not just
focus on onetime gains. The research is
reliable source for it has been well
researched though secondary and primary
sources.

2ANNOTATED BIBLIOGRAPHY
Du, J., Lu, J., Wu, D., Li, H., & Li, J. (2013). User acceptance of software as a service:
Evidence from customers of China's leading e-commerce company, Alibaba.
Journal of Systems and Software, 86(8), 2034-2044.
Short Explanation
Descriptive Summary Relevance and evaluation
The authors aimed at understanding how
people accept and perceive the software as a
service. The study was conducted in four
rounds through questionnaires. In the first
three rounds, the perceived service quality
of SaaS was identified and in the last round
of survey, the three user perceptions were
identified which influenced their behavior
towards the adaptability of SaaS.
The research proposes the model to analyse
user’s acceptability of SaaS. This model can
be very useful for the companies to analyse
their consumer responses. The research has
been conducted by set of managerial
personnel’s with Alibaba employees. This
makes this research highly reliable and
comprehensive in its approach.

Liu, Y. (2015). Consumer protection in mobile payments in China: A critical analysis
of Alipay's service agreement. Computer Law & Security Review, 31(5), 679-
688.
Short Explanation
Descriptive Summary Relevance and evaluation
The research was conducted to analyze the
possible existing problems in the area of
mobile payment in case of Alibaba’s
payment gateway. The security of payment
is essential and it involves the measures
adopted by the company as well as legal
framework of the country. Research is
conducted specifically for non-financial
institutions.
The paper concludes the insufficiencies of
the legal structure and legislation. The
loopholes can be easily identified which
could affect consumers right. The author
has also advised various legislations to
overcome the loopholes. The study
conducted is in recent years and is well
comprehended and structured. It can help
study the current status of Alibaba’s
payment service and improvements required
for it.