摘要
基于TAM理论和信任转移理论,构建消费者网购支付渠道信任由传统互联网转移至移动互联网,以及该信任转移过程中各个因素对消费者移动支付使用意愿影响的概念模型,并采用结构方程对模型进行检验。结果表明:消费者对传统互联网支付信任不仅直接影响其对移动支付的初始信任,而且通过移动支付的结构性保障、感知有用性间接影响其对移动支付的初始信任;感知有用性、结构性保障和个人创新性均与移动支付初始信任有正相关关系;而移动支付的便捷性和消费者对移动支付的感知易用性对移动支付初始信任的假设没有得到实证支持。
Based on the theory of TAM and trust transfer, the paper builds the conceptual model of payment channel which transferred from traditional intemet payment to mobile intemet payment, and analyzes how the factors of TAM model and user perception affect consumer＇s usage intention of mobile payment, and then the model is performed by empirical research. The results reveal online payment not only directly influence mobile payment initial trust, but also indirectly affect the mobile payment initial trust through structural security and perceived usefulness. Perceived usefulness, structural security and personal innovation has a positive effect on initial trust. But the perceived ease of use and convenience have little effects on the mobile payment initial trust.
出处
《经济与管理》
CSSCI
2016年第5期19-24,共6页
Economy and Management
基金
国家自然科学基金项目(71172218)
高等学校博士学科点专项科研基金博导类资助课题(20122121110005)
