Effects of Service Quality of Chinese Electronic Payment Platforms on User Attitude and Behavior

Abstract

In recent years, electronic payments have gained wide popularity and become the main payment method for many consumers in China. China's electronic payment user scale continued to expand, and the electronic payment business scale and electronic payment amount continued to increase. Electronic payments have great potential and a wide market. As the user size and frequency of use increase, the volume of electronic payment transactions will continue to grow in the future. This study aims to investigate the effect of electronic payment platform service characteristics on user behavior through Chinese electronic users. A model was presented based on theoretical considerations on the service characteristics of electronic payment platfonns. The purpose of this paper is to find out how the electronic platfom1 and user behavior are related through an empirical analysis of the characteristics of the electronic payment platform. In addition, we want to identify the relationship between user attitude and user behavior. Electronic payment platforms are continuously adapting to the needs of society along with economic development. By analyzing the results of previous studies, the factors influencing the characteristics of electronic payment platforms on user attitudes were selected. This study used SPSS 23 .0 for basic statistics and Smart PLS 4.0, a structural equation program, for hypothesis verification. The electronic payment platform service characteristics were divided into convenience, security, reliability, and responsiveness. The characteristics of electronic payment platform services that affect user attitudes are convenience, security, reliability, and responsiveness. User attitude and user behavior have a positive effect.