数字支付应用的宏观经济决定因素——基于跨国的分析
Journal: Economics DOI: 10.12238/ej.v7i12.2197
Abstract
本研究调查了在不同经济环境中影响数字支付方式的宏观经济因素。通过对来自多个国家的398个观察数据集的分析,我们研究了数字支付应用与人均国内生产总值(GDP)、GDP增长率、失业率和通货膨胀率等关键经济指标之间的关系。我们的分析应用相关性和多元回归技术来揭示这些因素之间复杂的相互作用。这些发现揭示了人均GDP和数字支付应用之间的强正相关关系表明整体经济发展是数字金融创新的关键驱动力。失业率也与数字支付的应用呈正相关,这可能表明在经济低迷时期人们对数字金融工具的依赖增加。相比之下,GDP增长和通胀率的相关性较弱,这意味着短期经济波动对数字支付趋势的影响可能较小。这些结果为寻求在不同经济环境中促进数字支付应用和金融包容性的政策制定者和金融机构提供了宝贵的见解。该研究还强调需要进一步研究这些关系背后的因果机制,以及经济压力时期增加数字支付使用可能带来的长期影响。
Keywords
数字支付；经济发展；人均国内生产总值；失业；金融技术
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