移动结算系统特性对用户持续使用意愿的影响研究

A Study on the Influence of the Characteristics of Mobile Settlement System on the User’s Will to Continuous Use

本研究目的: 随着移动支付在线下商店的不断普及,利用手机支付系统对消费者进行了调查。我认为有必要更具体地探讨消费者在线下商店使用移动支付对使用意图产生影响的因素。在这项研究中,我们想调查消费者在离线商店使用移动支付的状况,并确定影响他们使用意图的因素。 研究方法: 本研究主要是在识别与线下门店使用移动支付相关的特征时,针对맬动支付系统的特性(便利性、经济性、移动性、效率性),将技术接受作为与移动支付系统的特性相关的重要媒介特征,将移动支付使用意图作为消费者的个人特征,建立了研究模型。通过实施回归分析,验证了假设。 研究结果: 通过本文的分析, 得出了以下研究结果: 对用户移动支付使用意图的最显著影响是移动支付系统的相关特性和技术接受。因此,移动支付公司必须不断根据移动结算系统的特性和技术接受来确定消费者对其服务的需求,并为消费者参与改进其服务的进程提供机会。同时,需要通过提供更合适的技术来促进消费者的体验。 研究意义及价值: 本研究考虑了影响消费者在线下市场使用状况和影响移动支付使用意图的因素,这些因素极有可能快速传播,对线下使用移动支付系统具有重要价值。以求理论联系实际,为消费者在线下使用移动支付模式和发展进行有益的探索,是本文研究的重点。

Purpose - With the increasing popularity of online stores for mobile payments, consumers were investigated using the mobile payment system. I think it is necessary to explore more specifically the factors that influence consumers’ intention to use mobile payments in online stores. In this study, we want to investigate the status of consumers using mobile payments in offline stores and identify factors that affect their intention to use them. Design/Methodology/Approach - In this study, the purpose of using mobile payment as a personal characteristic of consumers is to establish a model of mobile payment system based on the characteristics of mobile payment system (convenience, economy, mobility and efficiency) of mobile payment system. The hypothesis is validated by implementing regression analysis. Findings - Through the analysis of this paper, the following results are obtained: The most significant effect on the user’s intention to use mobile payments is the relative characteristics and technical acceptance of mobile payment systems. Accordingly, mobile payment companies must continually determine consumers’ demand for their services based on the characteristics and acceptance of their mobile settlement systems and provide opportunities for consumers to participate in the process of improving their services. At the same time, consumers’ experiences need to be facilitated by providing more appropriate technologies. Research Implications - This study considered factors that affect consumers’ online market use and their intention to use mobile payments. These factors are highly likely to spread quickly and are of great value to offline mobile payment systems. It is the main point of this paper to explore the use of mobile payment model and development of consumers on-line.