{"title":"用户为何采用移动支付？综合模型","authors":"Thuy Dung Pham Thi, Van Kien Pham, Nam Tien Duong","doi":"10.1007/s13132-024-02118-1","DOIUrl":null,"url":null,"abstract":"<p>Given the advancements in mobile communication technology and the proliferation of smartphones, mobile payment has revolutionized traditional payment. This study is based on the Technology Acceptance Model (TAM) and the Task-Technology Fit (TTF) model, grounded in users’ psychological characteristics. We incorporate openness, technology anxiety, and network externalities for analysis and exploration, hoping to gain a deeper and systematic understanding of the relationship in usage intention. A total of 287 valid questionnaires were collected, with an effective response rate of 95.6%. The results show the following: (1) Openness, and TTF have a positive significant impact on the perceived ease of use (PEOU) of mobile payment. (2) Technology anxiety has a negative significant effect on the PEOU of mobile payment. (3) Task characteristics and technology characteristics have a positive significant impact on the TTF of mobile payment. (4) PEOU, network externalities, and TTF have a positive significant impact on the perceived usefulness (PU) of mobile payment. (5) PU has a positive significant effect on the intention to use mobile payment. The findings provide us with some insights into the trend of mobile payment today.</p>","PeriodicalId":47435,"journal":{"name":"Journal of the Knowledge Economy","volume":"40 1","pages":""},"PeriodicalIF":4.0000,"publicationDate":"2024-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Why Do Users Adopt Mobile Payment? An Integrated Model\",\"authors\":\"Thuy Dung Pham Thi, Van Kien Pham, Nam Tien Duong\",\"doi\":\"10.1007/s13132-024-02118-1\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>Given the advancements in mobile communication technology and the proliferation of smartphones, mobile payment has revolutionized traditional payment. This study is based on the Technology Acceptance Model (TAM) and the Task-Technology Fit (TTF) model, grounded in users’ psychological characteristics. We incorporate openness, technology anxiety, and network externalities for analysis and exploration, hoping to gain a deeper and systematic understanding of the relationship in usage intention. A total of 287 valid questionnaires were collected, with an effective response rate of 95.6%. The results show the following: (1) Openness, and TTF have a positive significant impact on the perceived ease of use (PEOU) of mobile payment. (2) Technology anxiety has a negative significant effect on the PEOU of mobile payment. (3) Task characteristics and technology characteristics have a positive significant impact on the TTF of mobile payment. (4) PEOU, network externalities, and TTF have a positive significant impact on the perceived usefulness (PU) of mobile payment. (5) PU has a positive significant effect on the intention to use mobile payment. The findings provide us with some insights into the trend of mobile payment today.</p>\",\"PeriodicalId\":47435,\"journal\":{\"name\":\"Journal of the Knowledge Economy\",\"volume\":\"40 1\",\"pages\":\"\"},\"PeriodicalIF\":4.0000,\"publicationDate\":\"2024-06-18\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of the Knowledge Economy\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://doi.org/10.1007/s13132-024-02118-1\",\"RegionNum\":3,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of the Knowledge Economy","FirstCategoryId":"96","ListUrlMain":"https://doi.org/10.1007/s13132-024-02118-1","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"ECONOMICS","Score":null,"Total":0}
Why Do Users Adopt Mobile Payment? An Integrated Model
Given the advancements in mobile communication technology and the proliferation of smartphones, mobile payment has revolutionized traditional payment. This study is based on the Technology Acceptance Model (TAM) and the Task-Technology Fit (TTF) model, grounded in users’ psychological characteristics. We incorporate openness, technology anxiety, and network externalities for analysis and exploration, hoping to gain a deeper and systematic understanding of the relationship in usage intention. A total of 287 valid questionnaires were collected, with an effective response rate of 95.6%. The results show the following: (1) Openness, and TTF have a positive significant impact on the perceived ease of use (PEOU) of mobile payment. (2) Technology anxiety has a negative significant effect on the PEOU of mobile payment. (3) Task characteristics and technology characteristics have a positive significant impact on the TTF of mobile payment. (4) PEOU, network externalities, and TTF have a positive significant impact on the perceived usefulness (PU) of mobile payment. (5) PU has a positive significant effect on the intention to use mobile payment. The findings provide us with some insights into the trend of mobile payment today.
期刊介绍：
In the context of rapid globalization and technological capacity, the world’s economies today are driven increasingly by knowledge—the expertise, skills, experience, education, understanding, awareness, perception, and other qualities required to communicate, interpret, and analyze information. New wealth is created by the application of knowledge to improve productivity—and to create new products, services, systems, and process (i.e., to innovate). The Journal of the Knowledge Economy focuses on the dynamics of the knowledge-based economy, with an emphasis on the role of knowledge creation, diffusion, and application across three economic levels: (1) the systemic ''meta'' or ''macro''-level, (2) the organizational ''meso''-level, and (3) the individual ''micro''-level. The journal incorporates insights from the fields of economics, management, law, sociology, anthropology, psychology, and political science to shed new light on the evolving role of knowledge, with a particular emphasis on how innovation can be leveraged to provide solutions to complex problems and issues, including global crises in environmental sustainability, education, and economic development. Articles emphasize empirical studies, underscoring a comparative approach, and, to a lesser extent, case studies and theoretical articles. The journal balances practice/application and theory/concepts.
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