A Study On Mobile Payment Users’ Continuous Usage Intention

In the promotion of mobile information technology, smart phones, tablet computers and other mobile terminals have entered people’s life and injected new vitality to mobile e-commerce. In the backdrop of mobile e-commerce, mobile payment came into being. Now, the mobile payment is growing so fast and has great potential for development. But under the influence of multiple factors such as the policy of payment technology, users’habits and the balance of the industry chain, there is a great gap of the number of users of mobile payment between China and other developed countries. So we must study on the users’continuous use intention of mobile payment in China and seek ways to enhance their use intention.After the systematic study of the relevant researches both at home and abroad and the introduction of the theories of mobile payment, there is the void in the new mobile payment research area. Based on the theories in mobile payment customer behavior research area-Unified Theory of Acceptance and Use of Technology (UTAUT), Perceived Risk Theory, Context Theory and Satisfaction Theory, this dissertation proposed the research model and hypotheses, and selected seven factors of performance expectancy, effort expectancy, use context, perceived risk, social influence, satisfaction and continuous use intention. By conducted a survey of275users with mobile payment experience, the paper used the structural equation model and confirmatory factor analysis to obtain the relationship between influencing factors that affect the continuous use intention of China’s mobile payment users. The following useful conclusions are acquired:Use context has a positive influence on performance expectancy and effort expectancy and also has an indirect influence on continuous use intention via the two factors; Performance expectations, perceived risk and social influence has the positive effect on the use intention to accept or continued use mobile payment; Effort expectancy has a direct influence on acceptation use intention but has an indirect influence on continuous use intention.The contributions lay on:Creatively makes up the short of traditional technology acceptance model explanatory by using the theory of UTAUT, Perceived Risk Theory, Context Theory and Satisfaction Theory; Obtains some regularly conclusions with compared the factors of continuous use intention and acceptation intention; Puts forward some reasonable proposals on the development of mobile payment. For example the mobile payment service providers should use the mobile internet to strengthen users’communication and enhance the positive evaluation and the social influence of the mobile payment. They should pay more attention of the use context in some special situations to promote the mobile payment business.