科研管理
科研管理
과연관리
Science Research Management
2011年
10期
79~88
,共null页
移动支付采纳 信任转移 效价理论 跨渠道 感知风险 相对优势
移動支付採納 信任轉移 效價理論 跨渠道 感知風險 相對優勢
이동지부채납 신임전이 효개이론 과거도 감지풍험 상대우세
mobile payment services adoption; trust transfer; valence theory; cross-environment; perceived risk; relative advantage
随着越来越多的电子支付企业开始进入移动支付市场,移动支付的用户采纳成为学界和业界的关注热点。实证研究了用户的互联网支付信任对其移动环境下的移动支付初始信任的影响以及用户信任、正效用和负效用因素对移动支付使用意向的影响。通过对374位支付宝用户的数据收集与分析,结果显示,用户的互联网支付信任显著影响其移动环境下的移动支付初始信任,且对移动环境下的三条关键路径存在间接影响,而移动支付初始信任则通过提高感知相对优势和降低感知风险对用户使用意向施加了双重影响。
隨著越來越多的電子支付企業開始進入移動支付市場,移動支付的用戶採納成為學界和業界的關註熱點。實證研究瞭用戶的互聯網支付信任對其移動環境下的移動支付初始信任的影響以及用戶信任、正效用和負效用因素對移動支付使用意嚮的影響。通過對374位支付寶用戶的數據收集與分析,結果顯示,用戶的互聯網支付信任顯著影響其移動環境下的移動支付初始信任,且對移動環境下的三條關鍵路徑存在間接影響,而移動支付初始信任則通過提高感知相對優勢和降低感知風險對用戶使用意嚮施加瞭雙重影響。
수착월래월다적전자지부기업개시진입이동지부시장,이동지부적용호채납성위학계화업계적관주열점。실증연구료용호적호련망지부신임대기이동배경하적이동지부초시신임적영향이급용호신임、정효용화부효용인소대이동지부사용의향적영향。통과대374위지부보용호적수거수집여분석,결과현시,용호적호련망지부신임현저영향기이동배경하적이동지부초시신임,차대이동배경하적삼조관건로경존재간접영향,이이동지부초시신임칙통과제고감지상대우세화강저감지풍험대용호사용의향시가료쌍중영향。
As electronic payment companies increasingly enter into the market of mobile payments,consumer acceptance with the mobile payments has become a hot topic among the theorists and practitioners.The impact of consumers＇ Internet payment trust on their initial trust in the mobile payments is empirically investigrted.It is also examined how these trust beliefs might interact with other factors and affect consumers＇ adoption of mobile payments.By using survey data collected from 374 Internet Ailpay users,the results indicate that consumers＇ Internet payment trust not only directly affected their mobile payments initial trust,but also indirectly influenced three key paths in the mobile environment.Moreover,mobile payment initial trust directly and indirectly affects the consumers＇ adoption intention in combination with perceived risk and perceived relative advantage furthermore.
