CAJ | 학술논문

移动支付作为关键技术环节制约着移动商务的发展，而消费者对移动支付服务商的信任是影响消费者是否采纳移动支付的主要障碍。首先，通过文献回顾形成消费者移动支付信任构成初始量表，然后对在线收集的425份样本进行主成分因子分析，萃取出能力、正直和善意三个信任维度，累计解释了76．085％的方差，信度检验显示三个信任维度Cronbach＇sα值均大于0．8，一阶和二阶验证性因子分析表明量表建构效度理想。研究结果表明，三个维度中正直信任对消费者总体信任水平影响程度最大，其次分别是善意信任和能力信任。
이동지부작위관건기술배절제약착이동상무적발전，이소비자대이동지부복무상적신임시영향소비자시부채납이동지부적주요장애。수선，통과문헌회고형성소비자이동지부신임구성초시량표，연후대재선수집적425빈양본진행주성분인자분석，췌취출능력、정직화선의삼개신임유도，루계해석료76．085％적방차，신도검험현시삼개신임유도Cronbach＇sα치균대우0．8，일계화이계험증성인자분석표명량표건구효도이상。연구결과표명，삼개유도중정직신임대소비자총체신임수평영향정도최대，기차분별시선의신임화능력신임。
As a key technique link , mobile payment is constraining the development of mobile commerce ,and consumers'trust in the mobile payment service providers significantly affects consumers'willingness of using mobile payment . Firstly , the initial items of consumers'trust were explored by literature review etc .,and 425 samples were collected through online survey .Principal component analysis indicates that the structure of consumers'trust includes three dimensions such as ability ,integrity ,and benevolence ,which have explained 76 .085% variation of trust .Moreover ,the Cronbach's α of the three dimensions are all higher than 0 .8 ,and the confirmatory factor analysis show s that the construct validity is well .The research result shows that integrity is the most important factor affecting consumers'trust among the three dimensions ,followed by ability ,and benevolence .