跨境电商场景下网络支付的体验优化与风险管控路径研究

Research on Experience Optimization and Risk Control Paths of Online Payment in the Cross-Border E-Commerce Scenario

摘要: 在全球数字经济深度融合的背景下，跨境电商已成为国际贸易的核心增长引擎。网络支付作为连接买卖双方的关键枢纽，其便捷性与安全性直接决定交易转化率与行业竞争力。然而，当前跨境电商网络支付仍面临体验短板与风险隐患的双重困境：支付流程冗余、本地化适配不足等问题导致用户流失，交易欺诈、合规冲突等风险造成巨额损失。本文以“提出问题–分析问题–解决问题”为核心逻辑，结合行业数据与技术趋势，系统剖析问题成因，从技术、流程、协同等多维度构建支付体验优化与风险管控的双重路径。研究融入技术接受模型(TAM)核心维度，论证优化路径对提升用户“感知易用性”与“感知有用性”的作用机制。研究认为，通过技术创新赋能、流程重构简化、多主体协同联动，是实现跨境支付“便捷性”与“安全性”动态平衡的关键，可为跨境电商行业的高质量与可持续发展提供核心支撑。

Abstract: Against the backdrop of deep integration of the global digital economy, cross-border e-commerce has become a core growth engine for international trade. As a key hub connecting buyers and sellers, online payment’s convenience and security directly determine transaction conversion rates and industry competitiveness. However, current cross-border e-commerce online payment still faces the dual predicament of experience shortcomings and potential risks: issues such as redundant payment processes and inadequate local adaptation lead to user loss, while risks like transaction fraud and compliance conflicts result in huge losses. Guided by the core logic of “raising problems-analyzing problems-solving problems”, this paper systematically examines the causes of these issues by integrating industry data and technological trends, and constructs a dual path for payment experience optimization and risk control from multiple dimensions including technology, processes, and collaboration. The research argues that empowering through technological innovation, reconstructing and simplifying processes, and promoting multi-stakeholder collaboration are the keys to achieving a dynamic balance between “convenience” and “security” in cross-border payments, which can provide core support for the high-quality and sustainable development of the cross-border e-commerce industry.