Title: Examining mobile payment user adoption from the perspective of trust transfer

Authors: Hong Yan; Kailing Pan

Addresses: School of Management, Wuhan University of Science and Technology, China ' School of Management, Wuhan University of Science and Technology, China

Abstract: The purpose of this paper is to examine mobile payment user adoption using the technology acceptance model (TAM) from the perspective of trust transfer. Based on the 220 valid responses collected from a survey questionnaire, structural equation modelling (SEM) technology was employed to examine the research model. The results indicate that trust in online payment not only has a direct effect on mobile payment trust but also has an indirect effect through perceived ease of use, perceived usefulness and structural assurance. Mobile payment trust further predicts the usage intention of mobile payment. This study provides useful suggestions and implications for academics and practitioners.

Keywords: user adoption; online payment; mobile payment; trust transfer; technology acceptance model; TAM; m-payment; structural equation modelling; SEM; perceived ease of use; perceived usefulness; structural assurance; technology adoption.

DOI: 10.1504/IJNVO.2015.070423

International Journal of Networking and Virtual Organisations, 2015 Vol.15 No.2/3, pp.136 - 151

Received: 15 Oct 2014
Accepted: 10 Feb 2015
Published online: 05 Jul 2015 *

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