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The Research Of Mobile Payment Risk Assessment Analysis And Influencing Factors

Posted on:2016-01-20Degree:MasterType:Thesis
Country:ChinaCandidate:D Y DuFull Text:PDF
GTID:2309330464454742Subject:Business management
Abstract/Summary:PDF Full Text Request
With the rapid development of modern Internet, the trend of mobile commerce in such a big environment arises at the historic moment, all kinds of operators and service providers developed all kinds of mobile payment services, as a high efficient and easy-to-use payment tool, began to appear in a variety of industry pattern, this kind of its payment idea is complied with the development of The Times and improve the quality of the business services more improved the level of payment, it represents the emergence of a new technology, but the development of the fact that contradicts the new and efficient means of payment, the famous scientific research company survey data reveals the embarrassing situation at present, although the current mobile payment market scale is expanding, and the improvement of the service level to the mobile market is quickly, but the real customers to use mobile payment account for the proportion of all payment is the lowest. Now more mainstream researchers believe that the main consumers whether to use a certain kind of payment is based on perceived risk as the main standard to judge, the judge standard is the key to influence consumers to accept and use mobile payment, as a result, a large number of scholars to research direction for all kinds of discussion. Although from the middle of the 20th century beginning researchers have carried out the study, but the concept of consumer perceived risk is too big and complex, this area is still in that a lot of problems to solve, such as some scholars and measurement problems need further research, so this article is for consumers to use mobile payment when the dimensions of perceived risk and between various influence factors of affecting the perceived risk associated with further research, and through the questionnaire to collect data, the empirical analysis to the results.This article is for the users in the use of mobile payment when perceived risk research, and based on the influence factors and the interaction relationship between the dimension to establish risk dimensions and influencing factors of model, the theoretical basis of this model is still in the consumer perception of risk and the study of the impact of mobile payment behavior, and then further analysis, the main content is as follows:when the mobile payment for the consumer’s behavioral intention and psychological research, looking for a dimension of perceived risk and what factors affect the production of consumer perceived risk, according to the first close to study and put forward hypothesis, from the perspective of individual units of the three-dimensional comprehensive means to build up based on consumers’ perceptions of mobile payments risk, using the method of structure equation model for the entire model structure of repeated testing, after rigorous analysis to verify hypothesis and research conclusions:consumers’ perceptions of psychological negative influence cognitive risk and financial risk, technology reliability negative influence perceived risk, financial risk and function of wireless network factors that affects the financial risk perception, privacy and psychological risks.
Keywords/Search Tags:Mobile payment, Consumer perceived risk, Effect of model
PDF Full Text Request
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