Why Do Users Adopt Mobile Payment? An Integrated Model

IF 4 3区经济学 Q1 ECONOMICS Journal of the Knowledge Economy Pub Date : 2024-06-18 DOI:10.1007/s13132-024-02118-1

Thuy Dung Pham Thi, Van Kien Pham, Nam Tien Duong

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Abstract

Given the advancements in mobile communication technology and the proliferation of smartphones, mobile payment has revolutionized traditional payment. This study is based on the Technology Acceptance Model (TAM) and the Task-Technology Fit (TTF) model, grounded in users’ psychological characteristics. We incorporate openness, technology anxiety, and network externalities for analysis and exploration, hoping to gain a deeper and systematic understanding of the relationship in usage intention. A total of 287 valid questionnaires were collected, with an effective response rate of 95.6%. The results show the following: (1) Openness, and TTF have a positive significant impact on the perceived ease of use (PEOU) of mobile payment. (2) Technology anxiety has a negative significant effect on the PEOU of mobile payment. (3) Task characteristics and technology characteristics have a positive significant impact on the TTF of mobile payment. (4) PEOU, network externalities, and TTF have a positive significant impact on the perceived usefulness (PU) of mobile payment. (5) PU has a positive significant effect on the intention to use mobile payment. The findings provide us with some insights into the trend of mobile payment today.

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用户为何采用移动支付？综合模型

随着移动通信技术的进步和智能手机的普及，移动支付已经彻底改变了传统的支付方式。本研究基于技术接受模型（TAM）和任务-技术契合模型（TTF），立足于用户的心理特征。我们结合开放性、技术焦虑和网络外部性进行分析和探讨，希望对使用意向中的关系有更深入和系统的理解。本次研究共回收有效问卷 287 份，有效回收率为 95.6%。结果显示如下：(1）开放性和 TTF 对移动支付的感知易用性（PEOU）有显著的正向影响。(2）技术焦虑对移动支付的感知易用性（PEOU）具有负向显著影响。(3) 任务特征和技术特征对移动支付的 TTF 有正向显著影响。(4）PEOU、网络外部性和TTF对移动支付的感知有用性（PU）有正向显著影响。(5) PU 对移动支付使用意向有正向显著影响。这些研究结果为我们提供了对当今移动支付趋势的一些启示。

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来源期刊

Journal of the Knowledge Economy ECONOMICS-

CiteScore

5.90

自引率

27.30%

发文量

228

期刊介绍： In the context of rapid globalization and technological capacity, the world’s economies today are driven increasingly by knowledge—the expertise, skills, experience, education, understanding, awareness, perception, and other qualities required to communicate, interpret, and analyze information. New wealth is created by the application of knowledge to improve productivity—and to create new products, services, systems, and process (i.e., to innovate). The Journal of the Knowledge Economy focuses on the dynamics of the knowledge-based economy, with an emphasis on the role of knowledge creation, diffusion, and application across three economic levels: (1) the systemic ''meta'' or ''macro''-level, (2) the organizational ''meso''-level, and (3) the individual ''micro''-level. The journal incorporates insights from the fields of economics, management, law, sociology, anthropology, psychology, and political science to shed new light on the evolving role of knowledge, with a particular emphasis on how innovation can be leveraged to provide solutions to complex problems and issues, including global crises in environmental sustainability, education, and economic development. Articles emphasize empirical studies, underscoring a comparative approach, and, to a lesser extent, case studies and theoretical articles. The journal balances practice/application and theory/concepts.