1. 研究目的与意义（文献综述包含参考文献）

开题报告填写要求1．开题报告（含文献综述）作为毕业设计（论文）答辩委员会对学生答辩资格审查的依据材料之一。

此报告应在指导教师指导下，由学生在毕业设计（论文）工作前期内完成，经指导教师签署意见及所在专业审查后生效；2．开题报告内容必须用黑墨水笔工整书写或按教务处统一设计的电子文档标准格式（可从教务处网页上下载）打印，禁止打印在其它纸上后剪贴，完成后应及时交给指导教师签署意见；3．文献综述应按论文的格式成文，并直接书写（或打印）在本开题报告第一栏目内，学生写文献综述的参考文献应不少于30篇（不包括辞典、手册）；4．有关年月日等日期的填写，应当按照国标gb/t 740894《数据元和交换格式、信息交换、日期和时间表示法》规定的要求，一律用阿拉伯数字书写。

如2004年4月26日或2004-04-26。

2. 研究的基本内容、问题解决措施及方案

1．结合毕业设计（论文）课题情况，根据所查阅的文献资料，每人撰写2000字左右的文献综述：文 献 综 述（literature review）（Requirements：in Time New Roman font, size 12,1.5 lines；No less than 30 references）When a bank or other financial institution offers mobile banking services, customers can access the service through smartphones or tablets (Sreelakshmi Mombeuil, 2020). Access to account balances and recent transactions, electronic bill payment options, and the accounts of clients or others may all be accessed using mobile banking services (Aydin Thakur, 2013).Chapter 1: Current Research On Related FieldsResearch by Upadhyay et al. (2022) researched the issues which affect consumers' intention to begin using mobile payments. It uses a meta-UTAT theory model and online survey questionnaires to collect data. According to the findings, expected performance, expected effort, and perceived extent affect consumers' attitudes; facilitating conditions have an impact on expected effort; self-efficacy affects expected effort; attitude affects behavioural intention, and behavioural choice affects use behaviour; There was no conclusive evidence of a link between social impact and outcomes.According to Migliore et al. (2022), investigated a disparity in Chinese and Italian mobile payment forms. When UTAUT2 and the innovation resistance theory are combined, the theoretical framework takes both the drivers and the obstacles into account (IRT). The core data for this research is gathered through an online survey. The researcher uses the model of the structure equation to examine the data, and multi-group analysis shows significant variations in the groups. Participants in Italy and China exhibit a wide range of distinct attitudes. Cultures that place a great value on avoiding unpleasant surprises, such as Italy's, rely heavily on social influence. The traditional barrier is only hampering mobile payment uptake.Mobile payment app adoption is influenced by consumer values, which is the focus of this research (MPAs). Model of the structure equation was used to test a model based on the theory of valuable consumption and two additional ideologies, initial trust levels and involvement of customer. As a result of the analysis, we discovered that MPA adoption intention was positively affected by functional, conditional, epistemic, and emotional (EMV) values. According to the findings of this study, there was a positive correlation between MPA adoption intention and all consumption values except social value (SOV) (Chakraborty et al., 2022; Libana-Cabanillas, effect; controllability; awareness; potential. Controllability, effect, and usability on the mobile payment adoption was examined. Payment systems' perceived security was unaffected by the impact, but the desire to utilize them was. Intention to utilize and perceived security were greatly influenced by the amount of control. Both the desire to utilize and the perceived level of security were not affected by familiarity.ReferencesAydin, G., Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Journal of Business Economics and Finance, 5(1), 73-92.Chakraborty, D., Siddiqui, A., Siddiqui, M., Rana, N. P., Dash, G. (2022). Mobile payment apps filling value gaps: Integrating consumption values with initial trust and customer involvement. Journal of Retailing and Consumer Services, 66, 102946.Chandra, S., Srivastava, S. C., Theng, Y. L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for Information Systems, 27(1), 29.Chawla, D., Joshi, H. (2020). The moderating role of gender and age in the adoption of mobile wallet. Foresight.Chingapi, A., Steyn, A. A. (2022). SMEs in South Africa: The Era of Adopting Mobile Payment Solutions. In Proceedings of Sixth International Congress on Information and Communication Technology (pp. 429-447). Springer, Singapore.de Luna, I. R., Libana-Cabanillas, F., Snchez-Fernndez, J., oz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931-944.Gao, F., Rau, P. L. P., , Z., Libana-Cabanillas, F. J., Muoz-Leiva, F., , V. (2019). The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems. International Journal of Bank Marketing.Khan, A. N., Ali, A. (2018). Factors affecting retailer's adoption of mobile payment systems: an SEM-neural network modelling approach. Wireless Personal Communications, 103(3), 2529-2551.Lara-Rubio, J., Villarejo-Ramos, A. F., Libana-Cabanillas, F. (2021). Explanatory and predictive model of the adoption of P2P payment systems. Behaviour Information Technology, 40(6), 528-541.Libana-Cabanillas, F., Lara-Rubio, J. (2017). Predictive and explanatory modeling regarding adoption of mobile payment systems. Technological Forecasting and Social Change, 120, 32-40.Mallat, N., Tuunainen, V. K. (2008). Exploring merchant adoption of mobile payment systems: An empirical study. E-service Journal, 6(2), 24-57.Migliore, G., Wagner, R., Cechella, F. S., Libana-Cabanillas, F. (2022). Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory. Information Systems Frontiers, 1-24.Mishra, V., Walsh, I., NearFieldCommunication.org. http://nearfieldcommunication.org/payment-systems.htmlNguyen, H. V. (2018). Cash or cashless? Promoting consumers' adoption of mobile payments in an emerging economy. Strategic Direction.Sreelakshmi, C. C., Prathap, S. K. (2020). Continuance adoption of mobile-based payments in Covid-19 context: an integrated framework of health belief model and expectation confirmation model. International Journal of Pervasive Computing and Communications.Su, P., Wang, L., Yan, J. (2018). How users' Internet experience affects the adoption of mobile payment: a mediation model. Technology Analysis Strategic Management, 30(2), 186-197.Summers, B. (2021, June 7). Digital payments banking in Uzbekistan - Frontier blog. Sturgeon Capital. https://www.sturgeoncapital.com/media/frontier-blog/digital-payments-and-banking-in-uzbekistan/Thakur, R. (2013). Customer adoption of mobile payment services by professionals across two cities in India: An empirical study using modified technology acceptance model. Business Perspectives and Research, 1(2), 17-30.Upadhyay, N., Upadhyay, S., Abed, S. S., Dwivedi, Y. K. (2022). Consumer adoption of mobile payment services during COVID-19: extending meta-UTAUT with perceived severity and self-efficacy. International Journal of Bank Marketing.Zhang, T., Lu, C., Kizildag, M. (2018). Banking "on-the-go": examining consumers' adoption of mobile banking services. International Journal of Quality and Service Sciences.Zheng, H., Ma, W. (2022). Scan the QR Code of Happiness: Can Mobile Payment Adoption Make People Happier?. Applied Research in Quality of Life, 1-12.Zimmermann, U., McKean, P., O'Keeffe, G., Rakhimov, O., Mueffelmann, S., Chatterjee, A. Schou-Zibell, L. Regional: Financial Sector Development in Central and West Asia. Technical Assistance Consultant's Report. Retrieved from https://www.adb.org/sites/default/files/project-document/173358/43359-012-tacr-05.pdf 毕 业 设 计（论 文）开 题 报 告２．本课题要研究或解决的问题和拟采用的研究手段（途径）：The problems to be studied or solved in this topic and the research methods (approaches) to be adopted:（Requirements： in Time New Roman font, size 12,1.5 lines）Over the decades, the development of payment systems has presented an exciting dynamic to organizations' changes to meet these technological changes. Technological development is expanding fast, and companies must maintain their competitive advantages. Most businesses incorporate mobile payments into their systems in Uzbekistan to allow customers to make payments with convenience and ease. It presents an interesting case because mobile applications enable customers to preload money into the applications and pay whenever they need the goods. These mobile payments have also streamlined the e-commerce sector because clients can prepay for their deliveries. Mobile payments are prone to cyber security issues and other online challenges despite all these advantages. The main aim of this study is to study the adoption of the mobile payment system in Uzbekistan.The following objectives will guide the study.1. To identify the level of acceptance of mobile payment in Uzbekistan.2. To identify factors affecting mobile payment adoption, its advantages and disadvantages in Uzbekistan.3. To recommend measures that will improve the adoption of mobile payments in Uzbekistan.The study will employ a qualitative research method to achieve the study objectives. An open-ended and conversational approach to gathering data is meant by "qualitative research." In this approach, people's "why" is just as important as "what". This study will review past and current literature on global, national and local adoption of mobile payments. The researcher will collect data from secondary sources such as books, websites, and journal articles. The collected data will be analyzed to give the results and recommendations to improve the adoption of mobile payments in Uzbekistan.