Exploring the influence of trust transfer and privacy calculus on the intention to disclose information on social media payment
by Jengchung Chen; Khulan Tuvshinbat; Sinh Thi Thu Tran
International Journal of Mobile Communications (IJMC), Vol. 26, No. 2, 2025

Abstract: Social media payment recently has arisen to be a new form of digital payment and has the characteristics of both mobile payment and social media. This paper develops a model to investigate the trust transfer mechanism from social media and mobile payment to social media payment, the calculus of risks and benefits as key factors on users' intention to disclose information on social media payment and the moderating roles of trust on the relationships between perceived risks and intention and between perceived benefits and intention. A two-stage experiment was conducted to collect data to empirically test the research model. The results show that the structural assurance trust of social media and the competence, benevolence, and integrity trust of mobile payment successfully transfer into trust in social media payment. Trust in social media payment, perceived risks, and perceived benefits are found to significantly lead to the intention to disclose information to social media payment. However, trust in social media payment does not influence the relationships between perceived risks and intention and between perceived benefits and intention. This hints that users would judge based more on objective information rather than be influenced by subjective trust.

Online publication date: Wed, 13-Aug-2025

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