Integrating TTF And VAM To Explain RFID Mobile Payment User Adoption

As a new business, RFID Mobile payment integration the Internet of Things and Mobile Internet, which will be an important way in the future payment. At present, the researches on RFID mobile payment focus on the information security and technology application rather than user adoption and acceptance. Besides, both practice and past reseaches showed that user adoption is the key to successful implementation of information technology, and outstanding user cognitive value is a key driver of user adoption. In addtion, the deficicencyof cognitive value has been one of the major obstacles for the development of RFID mobile payment.Currently, as a new technology and application, mobile payment have not been adopted by the majority of consumere. Therefore, analysing what factors influence RFID mobile payment user adoption based on perceived value has important theoretical significance.This dissertation studies the behavioral intention of mobile payment and its determinants, bssed on precedent research. This dissertation integrates the Task Techno to gy Fit (TTF) Theory with the Value-based Adoption Model (VAM) to propose an RFID mobile payment adoption model. Through the way of user interview and questionnaire survey, we analyzed data with structural equation modeling software. The conclusion can be drawn as following:First of all, Customers'perceived value of mobile payment is composed by perceived benefits and perceived sacrifices. The perceived benefits include perceived usefulness, perceived enjoyment, perceived compatibility; while the perceived sacrifices include perceived fee, perceived ease of use and perceived risk. Perceived value has positive significant effect on user intention, and perceived benefits and almost all the dimensions of perceived sacrifices have effect on user intention through the mediator of perceived value.For another, Task technology fit impacts all dimensions of perceived value significantly. Among them, a positive effect of task technology fit on perceived usefulness, perceived enjoyment, perceived compatibility, perceived fee and perceived ease of use, while a negative effect task technology fit on perceived risk. In additon, task technology fit does not direct influenced user intention but through the mediators of perceived benefits and almost all the dimensions of perceived sacrifices.