User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis

The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success facto...

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Autores principales:	Kamal Abubker Abrahim Sleiman, Lan Juanli, Hongzhen Lei, Ru Liu, Yuanxin Ouyang, Wenge Rong
Formato:	article
Lenguaje:	EN
Publicado:	SAGE Publishing 2021
Materias:	History of scholarship and learning. The humanities AZ20-999 Social Sciences H
Acceso en línea:	https://doaj.org/article/d5495a52e791423bbdc31e77f1bcd204
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spelling	oai:doaj.org-article:d5495a52e791423bbdc31e77f1bcd2042021-11-21T02:33:29ZUser Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis2158-244010.1177/21582440211056599https://doaj.org/article/d5495a52e791423bbdc31e77f1bcd2042021-11-01T00:00:00Zhttps://doi.org/10.1177/21582440211056599https://doaj.org/toc/2158-2440The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success factors is becoming important. Mobile payments are a complex system, and a large number of factors affect their success. Since mobile payments are directly related to financial issues, their wide adoption relies heavily on people’s trust. We developed a model based on the TAM to investigate the most influential factors in building trust within the mobile payment context. We conducted an empirical survey and 373 samples were collected using a valid questionnaire from the users of the popular payment platforms in China—Alipay and WeChat payment. We found that government monitoring is the most significant factor of customer trust, followed by reputation, and security. Government monitoring directly influenced behavioral intention, was negatively associated with perceived risk and positively affected behavioral intention. Moreover, mobility, subjective norms, usefulness, ease of use, and perceived enjoyment impacts customer behavioral intention.Kamal Abubker Abrahim SleimanLan JuanliHongzhen LeiRu LiuYuanxin OuyangWenge RongSAGE PublishingarticleHistory of scholarship and learning. The humanitiesAZ20-999Social SciencesHENSAGE Open, Vol 11 (2021)
institution	DOAJ
collection	DOAJ
language	EN
topic	History of scholarship and learning. The humanities AZ20-999 Social Sciences H
spellingShingle	History of scholarship and learning. The humanities AZ20-999 Social Sciences H Kamal Abubker Abrahim Sleiman Lan Juanli Hongzhen Lei Ru Liu Yuanxin Ouyang Wenge Rong User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
description	The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success factors is becoming important. Mobile payments are a complex system, and a large number of factors affect their success. Since mobile payments are directly related to financial issues, their wide adoption relies heavily on people’s trust. We developed a model based on the TAM to investigate the most influential factors in building trust within the mobile payment context. We conducted an empirical survey and 373 samples were collected using a valid questionnaire from the users of the popular payment platforms in China—Alipay and WeChat payment. We found that government monitoring is the most significant factor of customer trust, followed by reputation, and security. Government monitoring directly influenced behavioral intention, was negatively associated with perceived risk and positively affected behavioral intention. Moreover, mobility, subjective norms, usefulness, ease of use, and perceived enjoyment impacts customer behavioral intention.
format	article
author	Kamal Abubker Abrahim Sleiman Lan Juanli Hongzhen Lei Ru Liu Yuanxin Ouyang Wenge Rong
author_facet	Kamal Abubker Abrahim Sleiman Lan Juanli Hongzhen Lei Ru Liu Yuanxin Ouyang Wenge Rong
author_sort	Kamal Abubker Abrahim Sleiman
title	User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
title_short	User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
title_full	User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
title_fullStr	User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
title_full_unstemmed	User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis
title_sort	user trust levels and adoption of mobile payment systems in china: an empirical analysis
publisher	SAGE Publishing
publishDate	2021
url	https://doaj.org/article/d5495a52e791423bbdc31e77f1bcd204
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_version_	1718419392260210688

User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis

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