Perceived Mobile Information Security and Adoption of Mobile Payment Services in China

The rapid deployment of mobile devices and the development of mobile services and applications require to address the mobile information security from the human side. This study was aimed at identifying factors influencing people's perception of mobile information security, to investigate the impact of these factors and to facilitate related service design. A survey was conducted and analyzed with exploratory factor analysis. Five factors were identified, including perceived familiarity, perceived impact, perceived controllability, perceived awareness and perceived possibility. Thereinto, the impact of controllability, impact and familiarity on the adoption of mobile payment was investigated. Impact significantly affected the intention to use, but not the perceived security of payment systems. Control level significantly affected the intention to use and the perceived security. Familiarity was found to have an effect on neither the intention to use nor the perceived security. Related design implications for mobile payment systems were discussed.