Factors influencing the perceived usability of line pay: An extended technology acceptance model approach

IF 2.1 4区 心理学 Q2 PSYCHOLOGY, EXPERIMENTAL Acta Psychologica Pub Date : 2025-03-15 DOI:10.1016/j.actpsy.2025.104924
Yogi Tri Prasetyo , Krisna Chandra Susanto , Ko-Hui Chuang , Ruo-Ting Yin , Jia-Wei Chen , Yu-Xuan Zhang , Omar Paolo Benito , Zachariah John A. Belmonte , Maela Madel L. Cahigas , Reny Nadlifatin , Ma. Janice J. Gumasing
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Abstract

Taiwan has distinguished itself amidst the transformative shift in global finance, driven by the proliferation of mobile payment systems, with its high smartphone penetration and advanced digital infrastructure. This study examined the factors influencing consumer attitudes and behaviors toward Line Pay, a key player in Taiwan's mobile payment ecosystem. Utilizing an extended Technology Acceptance Model (TAM), the research integrated additional variables such as social influence, trust, security, and environmental concerns, offering a comprehensive framework to understand user adoption dynamics. 120 Taiwanese participants were surveyed by employing the Purposive Sampling Method and data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results indicated that perceived usefulness, ease of use, and promotional incentives played significant roles in shaping user attitudes and behavioral intentions. Privacy and security concerns, while present, had a lesser impact compared to convenience and perceived value. The model demonstrated strong explanatory power, accounting for 72.8 % of the variance in attitude (R2 = 0.728) and 67.3 % of the variance in behavioral intention (R2 = 0.673), confirming the robustness of the extended TAM in predicting mobile payment adoption behaviors. Additionally, the study highlighted Line Pay's multifunctional capabilities and strategic partnerships as key enablers of adoption. The findings underscored opportunities for future innovation, particularly in enhancing privacy protection and integrating sustainability initiatives, which are crucial for sustaining competitiveness in Taiwan's evolving mobile payment market.
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来源期刊
Acta Psychologica
Acta Psychologica PSYCHOLOGY, EXPERIMENTAL-
CiteScore
3.00
自引率
5.60%
发文量
274
审稿时长
36 weeks
期刊介绍: Acta Psychologica publishes original articles and extended reviews on selected books in any area of experimental psychology. The focus of the Journal is on empirical studies and evaluative review articles that increase the theoretical understanding of human capabilities.
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