Abstract
Providing transactions with a mobile device in various use contexts, mobile payment transactions have prompted privacy concerns. However, there is still little knowledge about how users’ perceptions match with the actual information disclosure in different payment scenarios in China. This study investigated users’ perceived information disclosure in different use contexts of mobile payment transactions using a diary method. The results revealed that participants had serious misperception of information disclosure in the offline transactions. Findings from this study provide directions to reduce the misconception about perceived information disclosure for better adoption of mobile payment services.
Access this chapter
Tax calculation will be finalised at checkout
Purchases are for personal use only
References
China consumer association. http://www.cca.org.cn/xxgz/detail/27939.html. Accessed 01 Dec 2018
Johnson, V., Kiser, A., Washington, R., Torres, R.: Limitations to the rapid adoption of M-payment services: understanding the impact of privacy risk on M-Payment services. Comput. Hum. Behav. 79, 111–122 (2018)
Gao, L., Waechter, K., Bai, X.: Understanding consumers’ continuance intention towards mobile purchase: a theoretical framework and empirical study - a case of China. Comput. Hum. Behav. 53, 249–262 (2015)
Barth, S., de Jong, M.: The privacy paradox - investigating discrepancies between expressed privacy concerns and actual online behavior - a systematic literature review. Telematics Inform. 34(7), 1038–1058 (2017)
Zimmer, J., Arsal, R., Al-Marzouq, M., Grover, V.: Investigating online information disclosure: effects of information relevance, trust and risk. Inf. Manag. 47(2), 115–123 (2010)
Martin, K., Shilton, K.: Putting mobile application privacy in context: an empirical study of user privacy expectations for mobile devices. Inf. Soc. 32(3), 200–216 (2016)
Casaló, L., Flavián, C., Guinalíu, M.: The role of security, privacy, usability and reputation in the development of online banking. Online Inf. Rev. 31(5), 583–603 (2007)
Ciere, Y., Jaarsma, D., Visser, A., Sanderman, R., Snippe, E., Fleer, J.: Studying learning in the healthcare setting: the potential of quantitative diary methods. Perspect. Med. Educ. 4(4), 203–207 (2015)
Payment Products of Alipay. https://intl.alipay.com/open/product.htm. Accessed 01 Aug 2018
Multiple Payment Methods of WeChat Pay. https://pay.weixin.qq.com/wechatpay_guide/intro_method.shtml. Accessed 01 Aug 2018
Alipay privacy policy. https://cshall.alipay.com/lab/help_detail.htm?help_id=201602172661. Accessed 01 Dec 2018
WeChat privacy policy. https://www.tenpay.com/v3/helpcenter/low/privacy.shtml. Accessed 01 Dec 2018
Olivero, N., Lunt, P.: Privacy versus willingness to disclose in e-commerce exchanges: the effect of risk awareness on the relative role of trust and control. J. Econ. Psychol. 25(2), 243–262 (2004)
Acknowledgments
The authors would like to thank the financial support provided by the UGC Funding Scheme from the Hong Kong Polytechnic University.
Author information
Authors and Affiliations
Corresponding author
Editor information
Editors and Affiliations
Rights and permissions
Copyright information
© 2020 Springer Nature Switzerland AG
About this paper
Cite this paper
Zhang, J., Luximon, Y. (2020). Privacy Concern in Mobile Payment: A Diary Study on Users’ Perception of Information Disclosure. In: Ahram, T., Karwowski, W., Pickl, S., Taiar, R. (eds) Human Systems Engineering and Design II. IHSED 2019. Advances in Intelligent Systems and Computing, vol 1026. Springer, Cham. https://doi.org/10.1007/978-3-030-27928-8_149
Download citation
DOI: https://doi.org/10.1007/978-3-030-27928-8_149
Published:
Publisher Name: Springer, Cham
Print ISBN: 978-3-030-27927-1
Online ISBN: 978-3-030-27928-8
eBook Packages: Intelligent Technologies and RoboticsIntelligent Technologies and Robotics (R0)