Intention of Personal Information Disclosure in Mobile Payment Apps

Abstract

This paper employs the regulatory focus and risk-taking perspectives to integrate constructs related to the intention to disclose personal information in mobile payment apps among young people in such an emerging country like Vietnam. Data were collected from a survey among young Vietnamese people and analyzed with statistical software of SPSS and AMOS. Findings reveal that promotion regulatory focus leads to risk propensity which will be positively correlated to intention to disclose personal information in mobile payment apps among young people. In contrast prevention regulatory focus is correlated to risk perception which will be negatively related to intention to disclose personal information in mobile payment apps. Furthermore, the positive moderating role of perceived trust in the relationship between risk propensity and intention to disclose personal information in mobile payment apps is confirmed while perceived trust has been found to negatively moderate the impact of risk perception on intention to disclose personal information in mobile payment apps.