Leaking my face via payment: Unveiling the influence of technology anxiety, vulnerabilities, and privacy concerns on user resistance to facial recognition payment

As biometric identification techniques for authentication continue to gain prominence, the demand for mobile payment systems employing facial recognition payment (FRP) in diverse business contexts has increased significantly. Leveraging the antecedent-privacy concern-outcome (APCO) model, this study constructs a comprehensive research framework for FRP and subjects it to examination through an online survey involving 1058 Chinese users. The study's results reveal that technology anxiety exhibits significant relationships with technology, provider, legal, and user vulnerabilities. However, it is noteworthy that technology anxiety does not exert an influence on privacy concerns. Conversely, technology, provider, legal and user vulnerabilities are found to be significantly associated with privacy concerns. Furthermore, the research highlights that privacy concerns have a positive association with user resistance to FRP. The current study also provides practical implications for cooperation and governments.