用户采用移动支付的实证检验

Hong Yan, Zhonghua Yang
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引用次数: 17

摘要

由于与使用移动支付相关的高度不确定性和感知风险,服务提供商建立用户信任至关重要。本文从信任的角度探讨了影响用户使用移动支付意愿的关键因素。该结果是基于对193名参与者的调查样本得出的。数据分析采用SmartPLS2.0。研究发现,感知易用性、感知有用性、结构保证和普遍性对用户信任有显著影响,进而影响用户使用意愿。因此,移动服务提供商需要关注信任,以促进用户采用和使用移动支付服务。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
An Empirical Examination of User Adoption Mobile Payment
Due to the high uncertainties and perceived risk associated with using mobile payment, it is critical for service providers to build users' trust. This paper explored the critical factors influencing users' intention to adopt mobile payment from a trust perspective. The results are based on a survey sample of 193 participants. SmartPLS2.0 is employed in the data analysis. The findings indicate that perceived ease of use, perceived usefulness, structure assurance and ubiquity have significant effect on users' trust, which further affect user usage intention. Thus mobile service providers need to concern trust to facilitate user adoption and usage of mobile payment services.
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