User Intention of Mobile Payment Adoption
Date Issued
2014
Date
2014
Author(s)
Chang, Chao-Jung
Abstract
With the rapidly adoption of mobile device, smartphone and tablet PC, thousands of mobile service come out in the market. The overall value of the mobile commerce industry rising dramatically goes with this trend. Moreover, mobile payment plays an important role in mobile commerce application. As a result, understanding consumers’ perception of mobile payment is crucial for helping mobile operators to promote their services.
The prior studies have indicated numerous of factors influencing user’s intention of adopting mobile payment. In this research, we classify these factors into three categories: individual differences, system characteristics and environmental influences. In each category, we have identified major factors through a through literature review together with qualitative interviews. The combination of the prior literature and practitioner interviews allow us to develop an integrated model to study users’ intention of mobile payment adoption
The model is empirically tested using a survey data. Our research findings suggest that users’ interest to new technology is positively related to the intention to use. Meanwhile, the convenience of system usage has a positive significant influence on the degree of adoption while system uncertainty incurs negative effects. Last, all the constructs under the third category, environmental influences, have direct positive effects on users’ intention to use mobile payment.
All in all, the results suggest mobile operators should take these indicators into consideration in order to attract new user for their application and get higher penetration rate in their market survey report.
Subjects
行動支付
採用意圖
使用者類型
Type
thesis
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