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User Adoption Of Mobile Payment Models And Empirical Analysis

Posted on:2012-01-10Degree:MasterType:Thesis
Country:ChinaCandidate:Q ZhouFull Text:PDF
GTID:2189330335460439Subject:Management Science and Engineering
Abstract/Summary:PDF Full Text Request
With the rapid development of Internet technology and mobile communications, as well as the extensive use of such portable terminal devices as mobile phone and PDA, The application of mobile commerce has been great Progress in recent years, mobile Payment as a new Way to Pay more and very common in daily life, With the development of society and enhance the user' own needs, user acceptance for mobile payment as well as the impact of the acceptance and adoption of mobile payment factors were also different. As a brand-new way of payment, mobile payment is now attracting more and more attention by its convenience. As a result, how to improve the usage intention of mobile instant messaging becomes the main problem we resolve in the research.(1) The factor of customers use mobile payment services in accordance with the path load factor value order:perceived usefulness, perceived risk, perceived cost of services, perceived ease of use, the network externality.(2) Network externalities have significant impact on the perceived ease of use and usefulness. This indicates that the number of users have a significant impact on other users to use mobile payment services. network externalities will have a significant impact on information exchange between users, affecting perceived ease of use, perceived usefulness. In addition, the more customers use mobile payment services, will encourage the use of new user behavior.(3) Perceived ease have a significant effect on the actual use. This is mainly because users is not familiar with the mobile payment service, and the object of this investigation using the mobile payment time is not long, therefore, the use of mobile payment has significant perceptual differences between different users.(4) Perceived risk have a negative impact on the actual use. The study found that the object of this survey tend to micro-payment, due to micro-payment is very simple, and has few problems, and it will not cause great losses. In this context, the perceived risk of negative impact on the use of intention will not be very significant.(5) Perceived ease of use having effect on the perceived usefulness has been confirmed. If the user using mobile payment services feel very difficult, the user may not find its usefulness, and then select another payment method.(6) Perceived cost of services a significant negative impact on actual using behavior. This suggests that users believe that the costs of mobile payment services more expensive, the more frequently used. This is consistent with previous research findings, costs or expenses that the adoption of information system behavior is an important factor.Finally, based on the empirical analysis of usage intention, how to improve the service of mobile instant messaging, and to expand the market of mobile payment, author gave some advice and suggestions.
Keywords/Search Tags:mobile payment, technology acceptance model, network externalities, structural equation model
PDF Full Text Request
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