An Empirical Study On The Determinants Of Intentions To Use Internet Credit Payment

Consumption,as one of the three engines which drive the national economy,becomes the main engine that promotes China's economic transformation and upgrade in recent years.The rapid development of E-commerce makes consumer demand to release.With the expansion of Network consumption market,the Internet Finance demand is growing stronger.Some big e-commerce platforms launch Internet credit payment service.Although the Internet credit payment is in the market promotion stage and rapid development stage,the study on usage intention of the Internet credit payment is still lack.So it's necessary to conduct an in-depth study for the usage intention of Internet credit payment.The study also can provide guidance for developing and popularizing Internet credit payment.This paper reviewed the relevant literature and theory about the usage intention of Internet credit payment.Based on the technology acceptance theory—UTAUT2 model,this paper cut out "Hedonic Motivation" and "Price Value",introduced Perceived risk theory and Innovation Diffusion Theory,considering the specialty of Internet credit payment,also add the construct:"money attitude",finally proposed the research model on usage intention of Internet credit payment.By conducted a survey of usage intention to "Ant Check Later",this paper used the structural equation model to confirm the research mode and research hypothesis.In this paper,research shows:four constructs from original UTAUT2 model::Performance Expectancy,Effort Expectancy,Social Influence,Habit,have positive significant effect on usage intention to Internet credit payment.Also,Effort Expectancy has positive significant effect on Performance Expectancy.Facilitating Conditions has no positive significant effect on usage intention to Internet credit payment.Consumer innovation also has positive significant effect on usage intention to Internet credit payment.Perceived risk has negative significant effect on usage intention to Internet credit payment.Also perceived risk can negative influence Performance Expectancy.Prudent money attitude has negative significant effect on the usage intention to Internet credit payment.Gender does't have the significant moderating effects on relationships which in the research model.The contributions lay on:Considering the new research context,this study modified and extended the original UTAUT2 model,constructed the research model of the usage intention to Internet credit payment,expanded the application domain and theoretical boundary.For future study on usage intention to other Internet consumer finance service,the research model and conclusion have some reference significance.Finally,based on the main research conclusion,this paper also provided some suggestions for developing and popularizing Internet credit payment.