Continuous Usage Intention of Mobile Payment Platform

The prevalence of mobile smart devices, improvements to mobile communication network infrastructure, and development of online financial transaction technology have made mobile payment a key role in e-commerce. Mobile payment’s features such as convenience, speed, real-time transfers, and being environmentally friendly have gradually made it a popular method of payment among consumers. Although mobile payment provides numerous benefits to consumers, its payment application and privacy have hidden concerns that deter them. China has the largest number of mobile payment users worldwide; therefore, this study recruited Chinese consumers as research subjects. An online questionnaire was used to examine the perceived benefit (PB), trust (TRU), subjective norm (SN), attitudes toward use (AU), continuous usage intention (CUI), and perceived risk (PR) of consumers related to mobile payments. The questionnaire received 504 responses; 30 were eliminated from participants who did not use mobile payment or that were invalid, leaving 474 valid responses for a valid response rate of 94.05%. The research results showed that: (1) PB, TRU, SN, and AU had significant positive effects on the CUI of consumers; (2) PB, TRU, and SN had significant positive effects on the AU of consumers; (3) AU partially mediated the positive effect of PB on CUI and that of TRU on CUI, and completely mediated the effect of SN on CUI; and (4) PR had significantly and negatively mediated the effects of PB, TRU, SN, and AU on consumers’ CUI.