Research On The Impact Of Third-Party Mobile Payment Service Quality On Users' Willingness To Use

In today's social background of the rapid development of the Internet,traditional payment methods can no longer meet the payment needs of people in their daily lives.Third-party mobile payment continues to affect our lives with its convenient,simple and fast payment methods,and has gradually become an indispensable part of daily life,creating many conveniences for consumers.In the era of marketing centered on user needs,the quality of service provided by various mobile payment platforms is undoubtedly an important factor for users to continue to use.Therefore,if third-party payment platform companies want to maintain their own market share or even gain more,it is imperative to understand which service quality factors will affect consumers' willingness to continue to use third-party mobile payments.Based on the previous research,this paper conducts empirical research on third-party mobile payment platforms,in order to provide effective advice for third-party mobile payment platforms to improve service quality.From the perspective of users,this paper divides the theoretical basis of predecessors and combines the characteristics of third-party mobile payment on the basis of literature research,and divides the service quality of third-party mobile payment into: security,functionality,innovation,consulting.Seven dimensions,such as sex,responsiveness,ease of use,and conversion cost,and introduce two mediation variables: user satisfaction and user trust,and construct a conceptual model of the impact of service quality on the user's willingness to use.And 17 hypotheses about the relationship between these variables are proposed.Questionnaire survey was conducted on the user experience of third-party mobile payment service quality by means of literature research method,questionnaire survey method and structural equation modeling method.And the data collected by the SPSS and AMOS software analysis questionnaires are used to estimate the model of the third-party mobile payment users' willingness to use according to the empirical results.The empirical analysis shows that security,functionality,innovation,consulting,responsiveness,ease of use,and conversion costs have a significant impact on user satisfaction and user trust.Innovation has a significant impact on user satisfaction.User satisfaction has a significant impact on user trust and the willingness of users to continue to use.User trust has a significant impact on the user's willingness to continue to use.Finally,the conclusion of this paper is given: the quality of third-party mobile payment service has a significant positive impact on users' willingness to continue to use;and through analysis,it is found that the seven indicator dimensions of service quality established in this paper are reasonable;The effect analysis proves that the mediator variable is correct and scientific in the setting of the theoretical model relationship.This provides some advice for the management of third-party mobile payment companies and the improvement of service quality.