Research On The Factors Influencing Mobile Payment Behavior Of Young Group

The way of payments has been changed by the development of mobile communications. The mobile payment not only has brought the convenient and diversified services to consumers but also has stimulated the relevant industries developed. Compared with some countries such as Japan and Korean where the service of payment has been widely accepted, this service in our country still stays in the initial stage and hasn't been widely accepted, although we have the largest mobile phone user group and the large market. Therefore, it is necessary to research the factors which influence consumers especially the majority consumer group---the young group's will to tailor appropriately. And this will be discussed and proved in this thesis.Based on the characters and internal development situation of mobile payments, integrated Technological accepted theory, Innovation Diffusion Theory as well as Perceived risk, a model of mobile payments influential factors has been constructed , and some relevant hypothesis has been raised. According to this model, the questionnaire has been designed, the effectively and rationality are also been guaranteed through exploring factor analysis.The hypothesis of the model which has been checked by Lisrel software proves that the positive influences of the mobile payment's can be gotten by the individual innovation, social influence and perceived usefulness, the negative ones gotten by the perceived risk; direct influence can not be gotten by the perceived ease of use but through perceived usefulness; cost doesn't influence the behavior intention. The four largest factors in order which influence consumers'payment of mobile are individual innovation, social influence, perceived usefulness and perceived risk. Finally, several suggestions are raised according to the research conclusion.