Impacts of Perceived Value, Individual Differences and Self-efficacy on Consumers’ Using Intention toward Mobile Payment

• Main Authors: Lu, Hsiu-Wei, 盧琇暐
• Other Authors: Chen, Mei-Fang
• Format: Others
• Language: en_US
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/00593320641109475944

碩士 === 國立交通大學 === 經營管理研究所 === 104 === With the huge business opportunity of mobile payment, there are many payment tools launched to the market. Many merchant follow this trend and want to get the market share. Therefore, consumers’ acceptance of technology turns to be an important issue. We adopt the technology acceptance model (TAM) as our main research model. Based on previous studies, we found that consumers would consider some dimensions when they decide whether using mobile payment. So, we researched on the impact of perceived value, individual differences and self-efficacy of consumers toward their using intention on mobile payment. A survey was administered for three weeks and we use structural equation modeling (SEM) and confirmatory factor analysis to analyze our research result. All hypotheses was fully supported. Consumers’ using intention toward mobile payment was influenced by their perceived value, individual differences and self-efficacy. Perceived convenience and perceived enjoyment positively affect using intention. However, perceived fees and perceived risk negatively influence using intention. Innovativeness and knowledge of mobile payment both have positive effects on using intention. Self-efficacy influences using intention positively as well. Managerial implications of the results are provided.