Under Sharing Economy Social Funtion Using Intension Of Third Party Payment

With the gradual development of third-party payment technology,third-party payment services to maintain rapid growth,more and more people rely on third-party payment app for online and offline payments.Especially the universal big event during the 2015 and2016 Spring Festival by the Wechat envelopes and Alipay Xiu Yi Xiu,let us see the third-party payment app capabilities continue to expand,that is,Wechat extended from the Social app to the third party payments and Alipay expands to the social field.Alipay as the largest third-party payment,the payment tool functionality has been widely accepted and recognized,but the social function has been in the state to be expanded.In the upgrade version 9.2 launched life function,Alipay was once even questioned by users of their payment security.After Xiu Yi Xiu in the Spring Festival,a big event which spended 400 million,Alipay although realised the topic and the expansion of the number of users’ friends,but the using frequency of Alipay’ social function is still low.Sharing the economy that Uber,Airbnb rise for the public concern is the recent business model innovation,achieve the exchange of idle resources sharing of data,mobile and social through mobile Internet technology.In China,the successful sharing of economic business models are Didi,Wooden Birds Short Term Rentals,Helped Aunt,Busy Fish,China Auto Rental,Zhubajie,Beaver House.One of the bottlenecks of sharing economic development is the establishment of credit mechanism.The reason why users rely on a variety of third-party platform mainly is information asymmetry.We Chat social acquaintances is based credit,Alibaba Finance tried to break big data social obstacle,namely to promote the treasure to pay social function.This study uses TAM and the sharing motivations when users use third-party payment social function,and introduces the theory of shared economy,perceived value theory,perceived risk theory,use and satisfaction theory.Through the analysis of the development status of third-party payment set research variables,then through the questionnaire pre-survey correction variables,at last through a questionnaire survey,a model of willingness influencing factors of social function of third party payment is constructed based on exploratory factor analysis.The first part introduces the purpose and significance of this paper by describing the research background,and puts forward the main ideas of this paper.The second part of the third-party payment,sharing of economic theory domestic and foreign literature to sort out the empirical part of the foundation.The thirdpart introduces the current development situation of third party payment and analyzes the development status and environment of Alipay.The fourth part combined with the analysis of the third part to determine the impact factors and variable settings.The fifth part of the questionnaire survey method,study the impact factors of the use of Alipay social function.In the sixth part,the conclusions and suggestions are put forward: the perceived usefulness and perceived ease of use,perceived interest,perceived cost,perceived value,community influence and marketing promotion.The influence of the same tool is significantly related to users’ willingness to use Alipay social function,which affect less similar tools,and affect the user to use Alipay social function of the most critical factors is the impact of community and marketing promotion.