The Study on Factors Affecting Consumer’s dopting Willingness to RFID Credit Card
Date Issued
2008
Date
2008
Author(s)
Chang, Chia-Ming
Abstract
RFID (Radio Frequency Identification) is a communicating and identifying technology. Because of user’s hesitation, RFID is still not widely accepted in Taiwan. The problem also occurs in the financial industry, in which RFID’s primary application is RFID credit card. RFID credit card is a contactless RFID credit card. It doesn’t need to link to end physical equipment but make use of induction coil to transfer information by electromagnetic induction. It is convenient when transactions are under certain amount, for it doesn’t need user’s signature, making checkout quicker. RFID credit card has been in Taiwan market for three years. However, just like the problems RFID technology faces in other industries, the credit card hasn’t been widely accepted. As a result, the study incorporates Technology Acceptance Model (TAM), perceived risk, and technology readiness index to see its influences on user’s adopting willingness to RFID credit card. The study uses 388 valid Internet questionnaires in which 149 had the experience of using RFID credit card. Statistics analysis is used to offer conclusions and suggestions. The results has shown that for those who have the experience of using normal credit card, the more important the convenience and safety of RFID credit card, the higher their willingness to adopt to it. For those who have the experience of using RFID credit card, the importance of convenience is the only factor affecting their adopting willingness. For those who have the experience of using normal credit card, the higher their technology optimism and innovativeness, the higher their adopting willingness. But for those who have the experience of using RFID credit card, only technology optimism will affect their adopting willingness. The study also found that, differ from past IC card research results, the effect of discomfort from technology readiness index has become non-significant. Besides, the study discovered that attribute of RFID credit card’s influence on adopting willingness is mediated by perceived usefulness and perceived risk. Finally, the study found that normal credit card users with higher technology innovativeness will have higher perceived risks to RFID credit card, which also means their lower adopting willingness.
Subjects
RFID Credit Card
Technology Acceptance Model
Technology Readiness Index
Perceived Risk
Type
thesis
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