Trust Transfer Mechanism and Intention on Accepting NFC Mobile Payment: An Empirical Research
The purpose of this research is to investigate whether individuals’ trust in remote mobile payment (m-payment) had an effect on the individuals’ initial trust in Near Field Communication (NFC) m-payment, and the mechanism of trust transfer also was explor
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Abstract The purpose of this research is to investigate whether individuals’ trust in remote mobile payment (m-payment) had an effect on the individuals’ initial trust in Near Field Communication (NFC) m-payment, and the mechanism of trust transfer also was explored. To implement this research, a questionnaire was carried out on the internet based on sampling survey method, in order to test the developed trust transfer model towards NFC m-payment. Through SEM analysis we got four findings: (1) trust in remote m-payment had an active influence on trust in NFC m-payment, (2) in addition, initial trust influenced individuals’ NFC m-payment adoption intention directly and indirectly, (3) further, use context was a vital factor and had an active influence on individuals’ NFC m-payment adoption intention, (4) finally, we extended the construct of compatibility and confirmed its effects on NFC m-payment adoption intention. This paper is a van research on the adoption of NFC m-payment, analyzing trust transfer mechanism and its effects on NFC m-payment. Keywords NFC M-payment
Trust transfer Adoption intention Use context
1 Introduction In 2015, strategy of “Internet +” was drafted in the Chinese government’s Annual Work Report. Therefore, it speeds up the combination of the Internet and traditional industries, and this combination will promote more traditional industries to choose H. Shen P. Liu S. Yi (&) Department of Industrial Engineering, Chongqing University, Chongqing 400044, China e-mail: [email protected] H. Shen e-mail: [email protected] P. Liu e-mail: [email protected] © Springer International Publishing Switzerland 2017 I.L. Nunes (ed.), Advances in Human Factors and System Interactions, Advances in Intelligent Systems and Computing 497, DOI 10.1007/978-3-319-41956-5_32
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internet and mobile internet as their transaction platform. Therefore, NFC m-payment will become an important application [1]. Following consideration of the related studies, we found that various factors influencing user’s adoption intention on m-payment had been studied [2, 3]. However, in China, few studies had pay attention to NFC mobile payment, especially the effects of compatibility (devices compatibility, lifestyle compatibility, and service compatibility) and use context on individuals’ adoption intention was a gap. In addition, based on trust transfer theory, individuals’ cumulative trust in remote m-payment may influence their initial trust on NFC m-payment. Therefore, understanding trust transfer mechanism is urgent for NFC m-payment to be adopted and used extensively. This study chose the NFC m-payment of Alipay (the famous third-party payment mechanism in China) as the object, and it examined the effects of perceived relative advantage, use context, compatibility (devices compatibility, lifestyle compatibility, and service compatibility) and trust transfer on individuals’ NFC m-payment adoption intention. The results of this study will help the stakeholders to understand individuals’ behavior wel
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