An Empirical Study on Effecting Characteristics of Financial Services on Use Intention: Focusing on Asset Management of Mobile FinTech Using Alipay

Abstract

After reviewing previous studies on financial service characteristics, customer satisfaction and usage intentions, an empirical study was conducted. Financial services are characterized by convenience, profitability, security and flexibility. The study aims to analyze what factors influence the intent of users based on FinTech-based Alipay to manage personal assets. This article uses SPSS 22.0 as the basic statistics and uses the structural equations to analyze Smart PLS 2.0 (partial least squares). The findings are as follows. First, the characteristics of financial services (convenience, benefit, security, and flexibility) have a major impact on customer satisfaction. Second, customer satisfaction has a significant impact on usage intentions.