The Empirical Study: Factors Of Mobile Payment Acceptance In Different Level Of Technologies

Along with the rapid development and integration of the Internet, mobile communications and computer technology in recent years, while meeting the day-to-day communications needs of users, the expansion of the functions of mobile phones, especially mobile phones payment, has aroused growing concerns for its convenience, fast, fashion and other characteristics. Mobile payment carry a unique advantage of paying anytime, anywhere and taking easily, and as the world’s largest mobile phone users country, China has a broad customer basis, moreover, conditions for mobile payment are gradually mature, especially in the area of phones payment at the scene,has already started to promote and practice in some regions. But the deep-rooted application of the mobile phone payment in China is still in its initial stage, there is no complex mode of mobile phone payment which can bring a really profound change to this area. Therefore, in order to explore applications of mobile payment, attract consumers, and provide guidance to operators on carrying out targeted marketing campaigns of the mobile phone payment, analysis of user needs and adoption factors is definitely necessary and vital.The thesis was based on Technology Acceptance Model (TAM) with consumer characteristics, mobile payment security and subjective norms as three outsider factors. Also, consumers perceived risks are included in the model as mediate recognition variables. We want to figure out these questions as explore the relationships of the mobile payment security consumer characteristics subjective norms and consumer usefulness perceptions, perceived ease of use, perception risk and consumer attitudes and consumer’s intention between normal technology level and high technology level. And the author further conducts an empirical analysis of the factors with exert great influence on consumer’s adoption intention of the mobile payment. The survey was conducted through electronic questionnaires; the questionnaire was filled by samples chose randomly from the college students and new graduates and was analyzed by SPSS.15.0 and AMOS.