M‐payment service: Interplay of perceived risk, benefit, and trust in service adoption

By Jungkun Park, Eklou R. Amendah, Younghee Lee, Hyowon Hyun. Human Factors and Ergonomics in Manufacturing & Service Industries, 2018

196 citations recorded by the source corpus.

This study aimed to examine the effects of perceived risk, perceived benefits, and trust on consumers’ intention to use mobile payment, or m‐payment. In addition, different effects of some demographic factors (e.g., income, age, education) on m‐payment usage were examined. The sample of 457 respondents was used to analyze the causal relationships between the variables and the mean differences of demographic factors in consumer intention to use m‐payment. The results supported the negative relationship between perceived risk, trust, and consumer intention to use m‐payment. A positive relationship between perceived benefits and trust was found. This study revealed that trust mediated consumer intention to use m‐payment. In individual differences of m‐payment adoption, education influenced the relationship between perceived risk and intention to use m‐payments as well as the relationship between trust and intention to use m‐payment. This study provided insights into consumer differences regarding m‐payment adoption and the mediating role of trust between perceived benefits, perceived risk, and intention to use m‐payment.

Subfields: Information Systems and Management, Marketing, Sociology and Political Science

View Paper: https://www.semanticscholar.org/paper/a46029d6a4848d530507e82fad98d8135b22187a

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In Information Systems and Management

  1. Hapzi Ali
  2. Ridho Rafqi Ilhamalimy

In Marketing

  1. Hapzi Ali
  2. Ridho Rafqi Ilhamalimy

In Sociology and Political Science

  1. Hapzi Ali
  2. Ridho Rafqi Ilhamalimy

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