论文标题
相距六英尺:19009年大流行期间的在线付款
Six Feet Apart: Online Payments During the COVID-19 Pandemic
论文作者
论文摘要
自从19日大流行以来,企业在试图保持开放时面临着前所未有的挑战。由于Covid-19通过烟雾液滴传播,因此企业被迫远距离服务。在某些情况下,疏远可能涉及在线迁移业务服务。在这项工作中,我们探讨了小型企业在大流行期间保持开放的数字化策略,并调查/采访小型企业所有者,以了解与在线移动相关的初步挑战。此外,我们分析了日本,澳大利亚,美国,英国和加拿大40万业务的付款。在首次政府干预措施之后,我们观察到(每个国家 /地区至少)与流行前水平相比,数字化业务增加了47%,大约80%的被调查企业在一周的时间内数字化。从我们的定量模型和调查/访谈中,我们发现在大流行开始时,企业在准备未来的不确定性方面迅速数字化。我们还在美国进行了初步数字化的案例研究,研究了特定的政府干预,业务部门,政治取向以及导致的数字化变化之间的更加关系。最后,我们讨论了在可用性挑战和人际关系互动的背景下,快速和广泛数字化对小型企业的含义,同时突出了预先存在的社会规范的潜在转变。
Since the COVID-19 pandemic, businesses have faced unprecedented challenges when trying to remain open. Because COVID-19 spreads through aerosolized droplets, businesses were forced to distance their services; in some cases, distancing may have involved moving business services online. In this work, we explore digitization strategies used by small businesses that remained open during the pandemic, and survey/interview small businesses owners to understand preliminary challenges associated with moving online. Furthermore, we analyze payments from 400K businesses across Japan, Australia, United States, Great Britain, and Canada. Following initial government interventions, we observe (at minimum for each country) a 47% increase in digitizing businesses compared to pre-pandemic levels, with about 80% of surveyed businesses digitizing in under a week. From both our quantitative models and our surveys/interviews, we find that businesses rapidly digitized at the start of the pandemic in preparation of future uncertainty. We also conduct a case-study of initial digitization in the United States, examining finer relationships between specific government interventions, business sectors, political orientation, and resulting digitization shifts. Finally, we discuss the implications of rapid & widespread digitization for small businesses in the context of usability challenges and interpersonal interactions, while highlighting potential shifts in pre-existing social norms.