A Study On The Factors Influencing User Satisfaction On The Third-party Payment

With the development of the Internet and e-commerce, the number of online shopping users increases very quickly, at the same time, the online payment is becoming increasingly popular, which provides the third-party payment platform a favorable environment to develop. Now the third-party payment platform as Alipay, has infiltrated into all aspects of users’ lives, such as shopping, catering, tourism, and entertainment etc. Compared with developed countries, there is still a certain gap exists in China because of the late starting, policy, technology and consumers’ behavior constraints. Therefore, it is necessary to explore the factors which affect user satisfaction with the third-party payment platform to find out the improved methods to increase the user satisfaction with the third-party payment platform.After studied the relevant researches and some theories of user satisfaction, we have found that studies of user satisfaction with the third-party payment platform is very rare. Based on the relevant researches,we integrated with DeLone & McLean model, TAM, perceived risk theory and satisfaction theory to build our research model. Then conducted an data analysis based on a structural equation model of 225 questionnaires, proposed our research model and hypotheses. According to the results, perceived usefulness and perceived risk will directly affect user satisfaction, products image as well as perceived ease of use doesn’t affect user satisfaction. Besides, system quality and information quality will directly affect perceived usefulness and perceived ease of use, and service quality doesn’t affect perceived usefulness and perceived ease of use.The contributions of this paper:a) this paper explored which factors affect user satisfaction with the third-party payment platform; b) in this paper, we constructed a mixed model based on the theories of satisfaction, perceived risk, TAM, DeLone & McLean model; c) in this paper, we drew some relevant implications and proposals; d) the conclusions based on empirical research on the development of the third-party payment have offered valuable recommendations to management and marketing strategies.