基于跨渠道的消费者移动支付采纳研究

PDF(1056 KB)

科研管理 ›› 2011, Vol. 32 ›› Issue (10) : 79-88.

论文

基于跨渠道的消费者移动支付采纳研究

杨水清, 鲁耀斌, 曹玉枝

作者信息 +

Mobile payment services adoption: From the cross-environment perspective

Yang Shuiqing, Lu Yaobin, Cao Yuzhi

Author information +

文章历史 +

摘要

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。

Abstract

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.

导出引用

杨水清, 鲁耀斌, 曹玉枝. 基于跨渠道的消费者移动支付采纳研究[J]. 科研管理. 2011, 32(10): 79-88

Yang Shuiqing, Lu Yaobin, Cao Yuzhi. Mobile payment services adoption: From the cross-environment perspective[J]. Science Research Management. 2011, 32(10): 79-88

中图分类号： F272.3

参考文献

[1] China Youth Daily. Mobile phone will become the preferred tool for the Internet. URL: http://zqb.cyol.com/content/2007-12/17/content_1996816.htm (accessed on 26 September 2009), 2007. [2] G. Kim, B. Shin, H.G. Lee. Understanding Dynamics between Initial Trust and Usage Intentions of Mobile Banking [J]. Information Systems Journal, 2009,19 (3): 283-311. [3] 周涛, 鲁耀斌, 张金隆. 基于感知价值与信任的移动商务用户接受行为研究[J]. 管理学报, 2009 (10): 1407-1412. [4] 杨光明, 鲁耀斌, 刘伟. 移动商务消费者初始信任影响因素的实证研究[J]. 情报杂志, 2009 (7): 175-179. [5] 陈明亮, 汪贵浦, 邓生宇, 孙元. 初始网络信任和持续网络信任形成与作用机制比较[J]. 科研管理, 2008,29 (5): 187-195. [6] H.W. Kim, H.C. Chan, S. Gupta. Value-based adoption of mobile internet: An empirical investigation [J]. Decision Support Systems, 2007,43 (1): 111-126. [7] D.J. Kim, D.L. Ferrin, H.R. Rao. A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents [J]. Decision Support Systems, 2008,44 (2): 544-564. [8] D.J. Kim, D.L. Ferrin, H.R. Rao. Trust and Satisfaction, Two Stepping Stones for Successful E-Commerce Relationships: A Longitudinal Exploration [J]. Information Systems Research, 2009,20 (2): 237-257. [9] G. Moore, I. Benbasat. Development of an instrument to measure the perceptions of adopting an information technology innovation[J]. Information Systems Research, 1991,2 (3): 192. [10] H.H. Teo, K.K. Wei, I. Benbasat. Predicting intention to adopt interorganizational linkages: An institutional perspective [J]. MIS Quarterly, 2003,27 (1): 19-49. [11] N. Mallat. Exploring consumer adoption of mobile payments-A qualitative study [J]. Journal of Strategic Information Systems, 2007,16 (4): 413-432. [12] V. Venkatesh, M.G. Morris. Why don’t men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior [J]. MIS Quarterly, 2000,24 (1): 115-139. [13] T. Teo, S. Pok. Adoption of WAP-enabled mobile phones among Internet users [J]. Omega, 2003,31 (6): 483-498. [14] J. Wu, S. Wang. What drives mobile commerce? An empirical evaluation of the revised technology acceptance model[J]. information & management, 2005,42 (5): 719-729. [15] IResearch. IResearh Wisdom: Date of Chinese netizens use cell phone banking in 2009. URL:.http://www.iresearch.com.cn/html/consulting/online_payment/DetailNews_id_101315.html (accessed on 26 September 2009) [16] P. Luarn, H.H. Lin. Toward an understanding of the behavioral intention to use mobile banking[J]. Computers in Human Behavior, 2005,21 (6): 873-891. [17] D.-H. Shin. Towards an understanding of the consumer acceptance of mobile wallet [J]. Computers in Human Behavior, 2009, 25 (6): 1343-1354. [18] R. Mayer, J. Davis, F. Schoorman. An integrative model of organizational trust[J]. The Academy of Management Review, 1995,20 (3): 709-734. [19] V. Shankar, G. Urban, F. Sultan. Online trust: a stakeholder perspective, concepts, implications, and future directions [J]. Journal of Strategic Information Systems, 2002,11 (3-4): 325-344. [20] C. Moorman, G. Zaltman. Factors affecting trust in market research relationships [J]. Journal of Marketing, 1993,57 (1): 81-101. [21] P.A. Pavlou, D. Gefen. Building effective online marketplaces with institution-based trust [J]. Information Systems Research, 2004,15 (1): 37-59. [22] P. Doney, J. Cannon. An examination of the nature of trust in buyer-seller relationships [J]. Journal of Marketing, 1997,61 (2): 35-51. [23] K.C. Lee, I. Kang, D.H. McKnight. Transfer from offline trust to key Online perceptions: An empirical study [J]. IEEE Transactions on Engineering Management, 2007,54 (4): 729-741. [24] K.J. Stewart. Trust transfer on the World Wide Web [J]. Organization Science, 2003,14 (1): 5-17. [25] H. Kuan, G. Bock. Trust transference in brick and click retailers: An investigation of the before-online-visit phase [J]. Information & Management, 2007,44 (2): 175-187. [26] J. Park, S. Yang. The moderating role of consumer trust and experiences: Value driven usage of mobile technology [J]. International Journal of Mobile Marketing, 2006,1 (2): 24-32. [27] G. Churchill Jr. A paradigm for developing better measures of marketing constructs[J]. Journal of Marketing Research, 1979,16 (1): 64-73. [28] V. Venkatesh, F.D. Davis. A theoretical extension of the Technology Acceptance Model: Four longitudinal field studies[J]. Management Science, 2000,46 (2): 186-204. [29] M.C. Lee. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit[J]. Electronic Commerce Research and Applications, 2009,8 (3): 130-141. [30] J. Nunnally, I. Bernstein. Psychometric theory [M]. 1978. [31] M.P. Podsakoff, D.W. Organ. Self-reports in organizational research: Problems and prospects [J]. Journal of Management, 1986,12 (4): 531-544.

基金

国家自然科学基金:消费者信任转移机理研究—从电子商务到移动商务( 70971049) 起止时间2010.1-2012.12;国家自然科学基金重点项目:移动商务基础理论与技术方法研究( 70731001), 起止时间 2008.1- 2011. 12;国家自然科学基金:NSFC/RGC项目(71061160505);中国移动通信集团湖北移动有限公司TD-SCDMA联合创新实验室。