{"title":"An Empirical Study on the Impact of Perceived Benefit, Risk and Trust on E-Payment Adoption: Comparing Quick Pay and Union Pay in China","authors":"Yanli Pei, Shan Wang, Jing Fan, Min Zhang","doi":"10.1109/IHMSC.2015.148","DOIUrl":null,"url":null,"abstract":"To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.","PeriodicalId":6592,"journal":{"name":"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics","volume":"5 1","pages":"198-202"},"PeriodicalIF":0.0000,"publicationDate":"2015-11-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"17","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"2015 7th International Conference on Intelligent Human-Machine Systems and Cybernetics","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1109/IHMSC.2015.148","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 17
Abstract
To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.
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