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.

Key words: mobile payment services adoption, trust transfer, valence theory, cross-environment, perceived risk, relative advantage