Adoption of NFC Payment: A Privacy Calculus Perspective
Date Issued
2014
Date
2014
Author(s)
Yeh, Hsiao-Chiao
Abstract
NFC payment is a new form of mobile payment with the advantage of being quick and versatile. However, the use of NFC payment would involve in the storage and transmission of user’s personal data and financial data. This has been evident in a number of NFC research and survey indicating that privacy concern may inhabit the development of NFC payment. Therefore, this research attempts to understand how benefit and risk may influence the intention to adopt NFC payment.
In the past literature, user’s intention to adopt has been seen as the outcome of privacy calculus. In this research, we draw on privacy calculus theory and add some characteristics of NFC payment to understand user’s intention to adopt NFC payment. For empirical analysis, we distribute online questionnaire to collect data and use Structural Equation Modeling to analyze our model. Results show that the benefits of using NFC payment－ease of use, compatibility, and relative advantage have significant positive relationship with intention to adopt. The risk of using NFC payment－perceived privacy risk has significant negative relationship with intention to adopt. And the antecedent of perceived privacy risk－trust in service provider has significant negative relationship with privacy risk.
Based on our results, we suggest that when designing NFC payment application, it should be not only compatible with user experience but ease of use. Therefore, service providers should formulate a complete privacy policy to protect users’ data in order to reduce users’ privacy concern and increase the intention to adopt NFC payment.
Subjects
行動支付
NFC支付
隱私計算
採用意圖
Type
thesis
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ntu-103-R01725016-1.pdf
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