An Empirical Study on the Impact of Perceived Benefit, Risk and Trust on E-Payment Adoption: Comparing Quick Pay and Union Pay in China

被引：6
作者：
Pei, Yanli [1 ]
Wang, Shan [2 ]
Fan, Jing [1 ]
Zhang, Min [1 ]
机构：
[1] Beijing Foreign Studies Univ, Int Business Sch, Beijing, Peoples R China
[2] Renmin Univ China, Sch Business, Beijing, Peoples R China
来源：
2015 7TH INTERNATIONAL CONFERENCE ON INTELLIGENT HUMAN-MACHINE SYSTEMS AND CYBERNETICS IHMSC 2015, VOL II | 2015年
关键词：
E-payment; Adoption; Perceived Benefit; Perceived Risk; Trust; MOBILE; ACCEPTANCE; SERVICES; SYSTEMS;
D O I：
10.1109/IHMSC.2015.148
中图分类号：
TP18 [人工智能理论];
学科分类号：
081104 ; 0812 ; 0835 ; 1405 ;
摘要：
To explain the adoption of two Online payment tools (Quick Pay, UnionPay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.
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页数：5
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