| Mobile payment is also known as the phone payment, allowing users to use the mobile terminal (usually a mobile phone) which is a kind of service to pay for the consumption of goods or services. With development of 3G technology and the rise of mobile electronic commerce, the mobile phone becomes a convenient transaction terminal. In recent years, Chinese Internet develops rapidly, which makes Internet penetration rise continually. It plays the most solid foundation for the rapid development of electronic commerce. In the face of the current mobile payment market with blow out phenomenon, study consumer payment factors affecting the willingness to use the mobile will have a major impact on the major mobile payment mechanism to seize market share. There have been a number of related researches on consumer intention to use mobile payment, but for the new concept of social circle of mobile payment is lack of research.In order to improve the mobile payment loopholes, from the consumer’s point of view, to find out the consumers most concerned factor, so as to promote mobile payment of recommendations. Through the analysis of domestic and foreign mobile payment environment of today, to improve the mobile payment business, and combining domestic and its location advantages, the development of strategic alliance to expand market demand, so as to drive the development of domestic mobile payment.In this study, under the premise of reading a lot of literature, basing the acceptance model in the integration of science and Technology (UTAUT), combined with innovation diffusion theory, the theory of reasoned action, perceived risk theory and Technology Acceptance Model and combine the social circle of the mobile payment characteristic of each factors to make a new definition, discuss the influence of performance expectations, the convenience factor, social factor, promoting factors and consumer innovativeness on user acceptance of mobile payment. At the same time for the user of different gender, age, and educational level were analyzed. In addition, the basic situation of statistics in WeChat user use mobile payment, and analysis of the impact of consumers on the WeChat use mobile payment factors and extent of effect size.In this paper, from the perspective of consumers, construct the social willingness of using payment application software model with Wechat as an example. We have carried on the questionnaire design and data collection and have made descriptive analysis. The questionnaire design has been made the reliability and validity analysis, bringing in introduction of this model equation model by fitting the sample data, obtained the influence factors and the user’s intention to use. The final conclusions are:(1) The empirical test pointed out that according to the dependent variables influence intention to use the points, affects young groups on the willingness use Wechat payment from high to low are performance expectancy, social influence, the convenience factor, consumer innovation, promoting factors. (2) The empirical test points out, from the performance expectations of relative advantage and expected results can be seen, a higher proportion of relative superiority which occupies in the performance expectations. In the comparison of different kinds of software (younic, Alipay, TenPay), WeChat is more convenient, fast and multifunctional. This is the reason why the decision performance expectations become the main usage intention. |
