Journal of Financial Services Marketing最新文献

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The future of non-contact commerce: the role of voice payments 非接触式商务的未来:语音支付的作用
IF 3
Journal of Financial Services Marketing Pub Date : 2024-09-17 DOI: 10.1057/s41264-024-00292-6
Nhan-Thanh Thi Nguyen, Phuc-Thien Tran, Tri-Quan Dang, Luan-Thanh Nguyen
{"title":"The future of non-contact commerce: the role of voice payments","authors":"Nhan-Thanh Thi Nguyen, Phuc-Thien Tran, Tri-Quan Dang, Luan-Thanh Nguyen","doi":"10.1057/s41264-024-00292-6","DOIUrl":"https://doi.org/10.1057/s41264-024-00292-6","url":null,"abstract":"<p>Voice payment systems have emerged as a revolutionary mode of transaction, transforming the way individuals interact with financial services. By incorporating two additional factors (trust and perceived security) into the Unified Theory of Acceptance and Use of Technology (UTAUT) framework, this study was conducted to address existing research gaps, specifically the dearth of studies on emerging payment methods in Vietnam. The purpose of this study is to investigate and analyze the factors influencing people’s intention to use voice payment, shedding light on the determinants shaping individuals' attitudes and behaviors in adopting this innovative payment method. A survey utilizing self-administered questionnaires was conducted, gathering data from 435 users experienced in using mobile payment services in Vietnam. The collected data underwent partial least square structural equation modeling (PLS-SEM). The findings indicate that performance expectancy (PE), social influence (SI), and trust (TR) positively impact both behavioral intention (BI) and voice payment adoption (VPA). This study contributes academically by introducing novel constructs to assess users' likelihood of embracing financial technology. In addition, the findings inform business executives and service providers regarding the expansion prospects that voice payment presents and aid them in comprehending the adoption of this technology. By offering recommendations, this research aids voice payment providers in enhancing the quality of their services and increasing customer satisfaction considering the findings.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-09-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142250442","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Does enduring brand loyalty in mobile financial service platforms require strong commitment? A stimulus-organism-response (SOR) perspective 移动金融服务平台的持久品牌忠诚度需要强有力的承诺吗?刺激-机体-反应(SOR)视角
IF 3
Journal of Financial Services Marketing Pub Date : 2024-08-24 DOI: 10.1057/s41264-024-00289-1
Rajesh Kumar Saha, Md. Borak Ali
{"title":"Does enduring brand loyalty in mobile financial service platforms require strong commitment? A stimulus-organism-response (SOR) perspective","authors":"Rajesh Kumar Saha, Md. Borak Ali","doi":"10.1057/s41264-024-00289-1","DOIUrl":"https://doi.org/10.1057/s41264-024-00289-1","url":null,"abstract":"<p>This research provides a theoretical underpinning based on the stimulus-organism-response framework, reflecting how brand loyalty is endured in the mobile financial service platform through relationship marketing. The stimulus-organism-response model has been utilized in this investigation as a crucial analytical framework to clarify the process of client behavior. This research also investigates the moderating effect of commitment on this framework. Using systematic random sampling, 404 answers from 36 agent points were obtained with face-to-face interview technique. Structured equation modeling based on SmartPLS was used to analyze the data, and Hayes’ Process Macro for SPSS was used to look at the moderation. The findings showed that stimulus factors play a significant role in influencing organisms. Out of the two organism factors, trust only has a significant positive effect on brand loyalty as a response. The findings also confirmed the existence of moderation of commitment on the associations between organism and response. Theoretically, this study introduces a unique arrangement of relationship marketing constructs, and practically, brand managers may generate strategies to develop loyalty.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-08-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142223942","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Impact of information technology on Indian banking sector 信息技术对印度银行业的影响
IF 3
Journal of Financial Services Marketing Pub Date : 2024-08-06 DOI: 10.1057/s41264-024-00287-3
Meenakshi Sharma, Akanksha Choubey
{"title":"Impact of information technology on Indian banking sector","authors":"Meenakshi Sharma, Akanksha Choubey","doi":"10.1057/s41264-024-00287-3","DOIUrl":"https://doi.org/10.1057/s41264-024-00287-3","url":null,"abstract":"<p>The banking industry has undergone a transformation because of information technology (IT), which has altered how financial institutions operate, provide services, and engage with their clients. Everyday enhancement in IT and development of digitalisation in banking sector has led researchers to examine the impact of information technology on Indian banking sector and challenges Indian banks face while implementing IT in its services and products. Though the drastic change and development of banking industry through IT cannot be denied, there is still a need to address issues such as consumer’s trust, technical training of employees, connectivity issues in Indian technological infrastructure, and buyer’s awareness to create a more open and secure banking ecosystem. This qualitative research explores the impact of IT on Indian banking sector and analyses the contribution of IT towards the infrastructural development of Indian banks, major challenges faced by Indian banks in changing technological scenario and scope of IT implementation in the Indian banking. The research even analyses the effect of pandemic on banking sector and brings out recent IT trends in banking sector post-pandemic. This research involves both secondary and primary data (collected through exploratory interviews of 40 bankers, including managing directors to branch managers) of 10 public and private banks in India. The findings of the study resulted to facts such as rise in the level of knowledge and awareness amongst consumers post-pandemic, effectiveness of data management, security, safety, and improvement in the service quality as the major impact of information technology in Indian banking sector and digital banking service, artificial intelligence, robotics, blockchain technology, and IT-driven core banking solutions were identified to be the future scope of IT in banking sector.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-08-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141938915","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Do users' pro-environmental personal norms hold significance in electronic payment adoption context? 用户的环保个人规范在电子支付应用中是否具有重要意义?
IF 3
Journal of Financial Services Marketing Pub Date : 2024-07-02 DOI: 10.1057/s41264-024-00286-4
Hassana Hilale, Abdellatif Chakor
{"title":"Do users' pro-environmental personal norms hold significance in electronic payment adoption context?","authors":"Hassana Hilale, Abdellatif Chakor","doi":"10.1057/s41264-024-00286-4","DOIUrl":"https://doi.org/10.1057/s41264-024-00286-4","url":null,"abstract":"<p>The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-07-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141514240","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Consumers’ attitude toward biometric banking services: an empirical evaluation of determinants and outcomes 消费者对生物识别银行服务的态度:对决定因素和结果的实证评估
IF 3
Journal of Financial Services Marketing Pub Date : 2024-06-29 DOI: 10.1057/s41264-024-00285-5
Suhail Ahmad Bhat, Sheikh Basharul Islam, Mansoor Farooq Mir
{"title":"Consumers’ attitude toward biometric banking services: an empirical evaluation of determinants and outcomes","authors":"Suhail Ahmad Bhat, Sheikh Basharul Islam, Mansoor Farooq Mir","doi":"10.1057/s41264-024-00285-5","DOIUrl":"https://doi.org/10.1057/s41264-024-00285-5","url":null,"abstract":"<p>The study aims to evaluate consumers’ attitudes toward the biometric technology and to investigate how these authentication technologies influence the intention to use such technologies in the future. A survey using a questionnaire was conducted to collect data from 610 bank customers. The data, gathered offline, were analyzed using statistical techniques such as descriptive statistics, confirmatory factor analysis, and structural equation modeling. The findings indicate that attitude toward biometric authentication significantly influence perceived ease of use and security. In turn, perceived ease of use and security significantly impact perceived usefulness, which affects the intention to use biometric authentication technology for banking services. The study suggests that banking service providers should leverage the positive beliefs of users by integrating biometric technologies (face recognition, fingerprinting, and iris scans) for transactions in banking applications. This research contributes to the literature by specifically examining the impact of biometric authentication techniques on the technology acceptance model (TAM) determinants and the intention to use these technologies. The findings offer fresh insights for various stakeholders, facilitating the effective and successful implementation of these technological advancements in emerging economies.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-06-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141508346","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Determinants of risky buy-now-pay-later intentions and behaviors of Vietnamese students 越南学生 "先买后付 "风险意向和行为的决定因素
IF 3
Journal of Financial Services Marketing Pub Date : 2024-05-30 DOI: 10.1057/s41264-024-00283-7
Hoang Phong Nguyen, Thi Bich Duyen Pham
{"title":"Determinants of risky buy-now-pay-later intentions and behaviors of Vietnamese students","authors":"Hoang Phong Nguyen, Thi Bich Duyen Pham","doi":"10.1057/s41264-024-00283-7","DOIUrl":"https://doi.org/10.1057/s41264-024-00283-7","url":null,"abstract":"<p>This study explores psychological and social factors that contribute to risky buy-now-pay-later (BNPL) intentions and behaviors among college students. This study was designed quantitatively and surveyed 1147 students in Vietnam. The partial least squares structural equation modeling was used to test the hypotheses. The results indicate that students with greater knowledge about financial risk are more likely to avoid risky BNPL behaviors. In contrast, students who have a positive attitude toward risk consumer credit and an external locus of control tend to favor risky BNPL. Additionally, the external locus of control plays a role in moderating the predictive relationship between risky BNPL intention and behavior. Finally, this study also found a difference in the effect level of the factors between groups of students divided by gender and major.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-05-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141196597","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Pay-per-click (PPC) advertising and continuous banking service intentions 点击付费(PPC)广告和持续银行服务意向
IF 3
Journal of Financial Services Marketing Pub Date : 2024-05-25 DOI: 10.1057/s41264-024-00282-8
Sajad Rezaei, Muslim Amin, Halimin Herjanto
{"title":"Pay-per-click (PPC) advertising and continuous banking service intentions","authors":"Sajad Rezaei, Muslim Amin, Halimin Herjanto","doi":"10.1057/s41264-024-00282-8","DOIUrl":"https://doi.org/10.1057/s41264-024-00282-8","url":null,"abstract":"<p>Despite the increasing popularity of pay-per-click (PPC) advertising and search engine optimization within the financial industry, there is a notable lack of research on the effectiveness of PPC on bank customers' continuous search intention and banking services intention. This study aims to fill this gap by investigating the use of PPC as a tool on customers' search intention and continuous services intention in a retail banking context. Utilizing a quantitative design, we collected data and employed maximum likelihood estimation (MLE) for path analysis to analyze the empirical data. Our findings reveal several substantial results. Firstly, continuous search intentions significantly influence continuous banking services intentions. Secondly, attitude toward PPC advertising significantly affects both continuous search and banking services intentions. Thirdly, satisfaction with PPC advertising is crucial in shaping attitudes toward PPC, continuous search intention, and continuous banking services intention. Fourthly, perceived usefulness directly influences attitudes toward PPC, satisfaction with PPC, and continuous search intention. Lastly, while PPC advertising's perceived ease of use and perceived confirmation are linked to perceived usefulness, they do not directly affect attitude toward PPC. By adopting a dual intentions approach, this study contributes to banking literature by highlighting the importance of understanding the distinct roles of PPC attributes in shaping short- and long-term customer behavioral intentions.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141150186","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Cyberfraud, usage intention, and cybersecurity awareness among e-banking users in India: an integrated model approach 印度电子银行用户的网络欺诈、使用意向和网络安全意识:一种综合模型方法
IF 3
Journal of Financial Services Marketing Pub Date : 2024-05-06 DOI: 10.1057/s41264-024-00279-3
Mohammed Afzal, Mohd. Shamim Ansari, Naseem Ahmad, Mohammad Shahid, Mohd. Shoeb
{"title":"Cyberfraud, usage intention, and cybersecurity awareness among e-banking users in India: an integrated model approach","authors":"Mohammed Afzal, Mohd. Shamim Ansari, Naseem Ahmad, Mohammad Shahid, Mohd. Shoeb","doi":"10.1057/s41264-024-00279-3","DOIUrl":"https://doi.org/10.1057/s41264-024-00279-3","url":null,"abstract":"<p>Cyberfraud knows no boundaries and increases with the emergence of technology adoption. The remarkable rise of cybercrime and its catastrophic consequences pose a significant threat to financial institutions in India. Existing literature proves that banks are most affected among other sectors due to their resilience on the Internet, particularly e-Banking platforms. This study incorporates cybersecurity knowledge and awareness with the Technology Acceptance Model (TAM) to examine the association to usage intention among e-Banking users in India. Co-variance-based structural equation modelling (CB-SEM) was used to analyse the sample size of 428 responses. The findings suggested that e-Banking users’ cybersecurity knowledge and awareness positively influence e-Banking usage intention. Users’ behavioural protection is influenced by knowledge and awareness. It was also observed that cybersecurity knowledge, awareness, and behavioural choice protection were consistent with TAM theory. Emerging cyberfraud has become a significant challenge in accepting e-banking platforms. The structural model suggests that cybersecurity awareness among e-Banking users against cyberfraud could help safeguard users’ bank accounts and positively influence usage intention. Cybersecurity awareness must be taught to e-Banking users to counter rising cyberfraud incidents.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-05-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140933468","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Investors’ acceptance and use of investment-based crowdfunding platforms: an integrated perspective 投资者对投资型众筹平台的接受和使用:综合视角
IF 3
Journal of Financial Services Marketing Pub Date : 2024-05-02 DOI: 10.1057/s41264-024-00278-4
Felix Friederich, Ramon Palau-Saumell, Jorge Matute, José Luis Sánchez-Torelló
{"title":"Investors’ acceptance and use of investment-based crowdfunding platforms: an integrated perspective","authors":"Felix Friederich, Ramon Palau-Saumell, Jorge Matute, José Luis Sánchez-Torelló","doi":"10.1057/s41264-024-00278-4","DOIUrl":"https://doi.org/10.1057/s41264-024-00278-4","url":null,"abstract":"<p>Investment-based crowdfunding platforms (IBCP) have revolutionized the financial landscape by providing viable investment opportunities for non-institutional investors. Nonetheless, only a limited amount of attention has been focused on the factors that shape investors’ adoption of these platforms. Therefore, we primarily explore investors’ adoption of IBCP by employing an integrated model combining the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Task-technology Fit model (TTF) while incorporating network externalities and trust. Drawing on a sample of current IBCP investors (<i>n</i> = 303), we found that investors’ behavioural intentions and use behaviour can be explained by performance expectancy, effort expectancy, facilitating conditions, habit, network externalities, trust and the TTF. The integrated model explained a higher variance in the endogenous variables than the two baseline models. We contribute to the emerging literature by delivering a new integrated model and provide platform operators with valuable insights into encouraging investors’ adoption behaviour.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140933785","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Islamic insurance: a review and research agenda 伊斯兰保险:回顾与研究议程
IF 3
Journal of Financial Services Marketing Pub Date : 2024-04-05 DOI: 10.1057/s41264-024-00276-6
Wang Tong, Muhammad Ali, Chin-Hong Puah, Choi-Meng Leong, Xiao Yuping
{"title":"Islamic insurance: a review and research agenda","authors":"Wang Tong, Muhammad Ali, Chin-Hong Puah, Choi-Meng Leong, Xiao Yuping","doi":"10.1057/s41264-024-00276-6","DOIUrl":"https://doi.org/10.1057/s41264-024-00276-6","url":null,"abstract":"<p>This study explores relevant studies on Islamic insurance, including key themes, research areas, and research objectives. This study lays foundation for understanding the current status and trends in Islamic insurance research by systematically collecting, organizing and analyzing relevant literature. This study combines systematic literature review and bibliometric analysis to provide insights into the key research dimensions of Islamic insurance. Using systematic literature review, this study identifies research trends in the topic of Islamic insurance from 2003 to 2023 by systematically analyzing 502 articles in the Scopus database. Using bibliometric analysis, this study reveals the publication trends, influential articles, and research collaborations in this research area through visual charts and graphs. On this basis, this study analyzes and summarizes four clusters of Islamic insurance research themes focusing on the development and social impact of Islamic insurance in Indonesia; role of Islamic insurance in improving human health security, impact, and differential study of Islamic insurance on public health education among adult male and female; and religious attitudes and health care access. Emerging themes in the research area were identified through a thematic analysis of the literature of the last five years. The study has important implications for practice and policy formulation in the Islamic insurance industry. Through the study of Islamic insurance, it is possible to promote multicultural knowledge exchange and bring a broader perspective to the field of finance. Gaps exist in recent literature, comprise the lack of exploration on innovative characteristics in Islamic insurance models from conceptual perspective, impact of Islamic insurance on sustainable development from content perspective and impact of cultural and geographical factors on market development of Islamic insurance from contextual perspective. This study also proposes potential research directions to address these gaps.</p>","PeriodicalId":46310,"journal":{"name":"Journal of Financial Services Marketing","volume":null,"pages":null},"PeriodicalIF":3.0,"publicationDate":"2024-04-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140561961","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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