Like a shadow: Enhancing transactions with mobile payment applications

ABSTRACT The study explores how fulfillment and compatibility for mobile payments fit consumer lifestyles and how this affects the intention to use them. An intention to use model from the perspective of service-dominant logic and perceived evaluation difficulty was formulated. Our sample was collected by providing a hyperlink to a survey form so that Alipay and WeChat payment users were notified and o 447 responses were returned. The aesthetic graphic interface of the payment system plays a significant role in M-payments, and coherence of mobile service optimizes the intangible process for consumers paying with simplicity and speed. Furthermore, the aesthetic graphic interface, along with functional coherence, enhances the value of use to the consumers by helping shorten the process to utilize M-payments and leads to enhanced consumer appraisal.