Research on Factors Affecting Consumers' Offline Mobile Payment

With the continuous integration of information technology and financial services, the status of Internet payment in the financial system has been increasing year by year, and the research on its acceptance behavior has gradually attracted attention from all walks of life. In the context of the "Internet", the development of network technology has made mobile payments also considered by consumers to be included in offline payments. On the basis of previous studies, the paper analyzes and summarizes 10 factors influencing consumers' choice of offline mobile payment. Taking students and office workers as examples, the technology acceptance model is used to verify and analyze hypotheses. The results of the study show that perceived risk does not have consumer perceived usefulness, perceived risk, subjective normative questions, perceived ease of use, questions about consumer innovation, willingness to use, and experience of heart flow. Questions such as questions about the use behavior, questions about self-image, and questions about self-efficacy have a positive effect on the willingness to use. The results of the study were analyzed and corresponding recommendations were made.