Research On The Influencing Factors Of User Satisfaction With The Third Party Mobile Payment

With the advent of the Internet era and the rapid development of mobile intelligent devices,mobile payment shows great potential for development,among which the third party mobile payment is on the fastest growing.From 2013 to 2014,the third party mobile payment has been rapidly developed,by 2015,the growth rate has gradually eased and it is also being gradually accepted and respected.However,since the third party mobile payment in our country is still in growth period without perfect market mechanism and supervision system,all kinds of information disclosure,online fraud and other issues have emerged,which greatly affected user satisfaction with third party mobile payment.At the same time,the mobile market competes fiercely,banks and other financial institutions are seeking differentiation development road to grab market share by playing their own advantages.Faced with multiple challenges,in order to obtain sustainable competitiveness in the fierce market competition,the third party mobile payment companies must rely on users trust and public praise.The degree of customer satisfaction to a great extent determines the competitiveness and life cycle of enterprises in the market.Based on this,this paper selects the third party mobile payment model to study the influencing factors of the third party mobile payment user satisfaction.The purpose of this paper is to construct the influencing factors model of the third party payment user satisfaction,to explore how the factor variables affect the user satisfaction and the different results from these factors,and find out which of the vital factors can be improved to help promoting user satisfaction of the third party payment companies effectively.This paper mainly includes the following contents :First of all,theoretical research will be conducted to explore the influencing factors of user satisfaction.Based on the theory of customer satisfaction and perceived value,this paper focuses on the analysis of user satisfaction evaluation model,from which the user expectations,perceived value,perceived quality is the most widely used factor.Perceived value can be divided into several dimensions,based on the relevant theory and model of perceived value,the paper analyzes the components and theoretical models of perceived value,and explores the dimensions of perceived value,which lays the theoretical foundation for the later research.Secondly,based on the theory of customer satisfaction and perceived value,combined with the characteristics of the third party mobile payment,this paper puts forward the research model and research hypothesis.Based on the ASCI basic model,combined with perceived value theory,this paper introducs two factors of perceived profits gains and perceived profits loss to construct the influencing factors model of the third party mobile payment user satisfaction,and measures research variables from different aspects based on the previous research achievements and the characteristics of the third party mobile payment.At the same time,research hypothesis of direct and indirect influence of each variables has been put forward,which lays a foundation for the later empirical research.Finally,carrying out empirical research.In this paper,the empirical research is divided into two stages.On the first stage,we carry out questionnaire and data collection with Alipay Wallet served as example,and at the meantime conducting pre-survey and formal investigation respectively;On the second stage,we carry out empirical research.On the basis of analysis into the reliability,efficiency and reciprocity of sample data,we test the hypotheses and assumptions by ways of structural equations.The results are as follow: user expectation,perceived quality and perceived value will directly and positively affect user satisfaction;user expectation and perceived usefulness will indirectly but positively affect user satisfaction;on the other hand,perceived risk is an indirect and negative impact on user satisfaction.In accordance with the degree of impact order are: perceived value,perceived usefulness,user expectations,perceived quality,perceived risk.Specific recommendations will be put forward based on the empirical results.