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

Title
M-payment service: Interplay of perceived risk, benefit, and trust in service adoption
Author
박정근
Keywords
e-trust; m-payment; moderating effect of demographics; perceived benefit; perceived risk; retailing
Issue Date
2019-01
Publisher
WILEY
Citation
HUMAN FACTORS AND ERGONOMICS IN MANUFACTURING & SERVICE INDUSTRIES, v. 29, NO 1, Page. 31-43
Abstract
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.
URI
https://onlinelibrary.wiley.com/doi/full/10.1002/hfm.20750http://repository.hanyang.ac.kr/handle/20.500.11754/108079
ISSN
1090-8471; 1520-6564
DOI
10.1002/hfm.20750
Appears in Collections:
GRADUATE SCHOOL OF BUSINESS[S](경영전문대학원) > BUSINESS ADMINISTRATION(경영학과) > Articles
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