{"title":"感知利益、风险和信任对电子支付采用影响的实证研究——以中国快速支付和银联支付为例","authors":"Yanli Pei, Shan Wang, Jing Fan, Min Zhang","doi":"10.1109/IHMSC.2015.148","DOIUrl":null,"url":null,"abstract":"To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.","PeriodicalId":6592,"journal":{"name":"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics","volume":"5 1","pages":"198-202"},"PeriodicalIF":0.0000,"publicationDate":"2015-11-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"17","resultStr":"{\"title\":\"An Empirical Study on the Impact of Perceived Benefit, Risk and Trust on E-Payment Adoption: Comparing Quick Pay and Union Pay in China\",\"authors\":\"Yanli Pei, Shan Wang, Jing Fan, Min Zhang\",\"doi\":\"10.1109/IHMSC.2015.148\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.\",\"PeriodicalId\":6592,\"journal\":{\"name\":\"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics\",\"volume\":\"5 1\",\"pages\":\"198-202\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2015-11-23\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"17\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1109/IHMSC.2015.148\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1109/IHMSC.2015.148","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
An Empirical Study on the Impact of Perceived Benefit, Risk and Trust on E-Payment Adoption: Comparing Quick Pay and Union Pay in China
To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.
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