A Study On Mobile Near-field Payment Users' Continuous Use Intention Based On UTAUT And ECM-ISC

The development of mobile payment has experienced three kinds:mobile internet remote payment,o2o e-commerce payment and near-field payment.at present,China's mobile payment market is in the transition stage from o2o e-commerce payment to near-field payment.China unionpay,together with China's major commercial banks,issued a " cloud quick pass" product at the end of 2015,a new payment method comes into our lives,it doesn't need " unlock,networking,open app" and other steps,even without lighting the screen while completing offline payment.Although this new mobile near-field payment is growing rapidly and has obvious advantages,it still has some practical limitations and constraints,such as the lack of consumer ecological scene support,the hardware environment of business development needs to be improved and the lack of supporting laws and regulations,and so on.Therefore,it is necessary to study the continuous use intention of mobile near-field payment users in China and explore ways to enhance the continuous use intention of mobile near-field payment.This study takes the mobile near-field payment as the research object,and takes the UTAUT(Unified Theory of Acceptance and Use of Technology)and ECM-ISC(Expectation-Confirmation Model of IS Continuance)as foundation,and the Introductive Risk Perceived Theory as supplement to propose the model and hypothesis of this study.Eight research variables were selected:expectation confirmation,performance expectation,effort expectation,social impact,facilitating conditions,perceived risk,satisfaction and continuous use intention.Based on the data of 350 valid questionnaires in Nanning large-scale business circle and near universities,this paper conducts an empirical study on mobile near-field payment users' continuous use intention.The results show that performance expectation and satisfaction have a complete mediating effect between expectation confirmation and continuous use intention;The social influence and facilitating conditions have a significant positive effect on the continuous use intention;Perceived risk has a significant negative impact on the continuous use intention.Finally,according to the analysis results,combined with the characteristics of mobile near-field payment,from the perspective of focusing on user experience,improving facilitating conditions and social impact,reducing perceived risk,this study puts forward suggestions and countermeasures to improve the mobile near-field payment user's continuous use intention.which provides a reference for the popularization and promotion of mobile near-field payment in China.