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Research on Factors Affecting Consumers' Offline Mobile Payment

Published: 29 December 2018 Publication History

Abstract

With the continuous integration of information technology and financial services, the status of Internet payment in the financial system has been increasing year by year, and the research on its acceptance behavior has gradually attracted attention from all walks of life. In the context of the "Internet", the development of network technology has made mobile payments also considered by consumers to be included in offline payments. On the basis of previous studies, the paper analyzes and summarizes 10 factors influencing consumers' choice of offline mobile payment. Taking students and office workers as examples, the technology acceptance model is used to verify and analyze hypotheses. The results of the study show that perceived risk does not have consumer perceived usefulness, perceived risk, subjective normative questions, perceived ease of use, questions about consumer innovation, willingness to use, and experience of heart flow. Questions such as questions about the use behavior, questions about self-image, and questions about self-efficacy have a positive effect on the willingness to use. The results of the study were analyzed and corresponding recommendations were made.

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Agarwal, Reeti, Rastogi, Sanjay, Mehrotra, Ankit. 2009. Customers' perspectives regarding e-banking in an emerging economy{J}. J. Retail. Consum. Serv. 16(5), 340--351.
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Manochehri, Nick, Sundarraj, R.P., 2011. Application of an extended TAM model for online banking adoption: a study at a Gulf-region university{J}. Inf. Resour. Manag. J. 24, 1--13.
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Lai, V., Chau, P., Cui, X., 2010. Examining Internet banking acceptance: a comparison of alternative technology adoption models{J}. Int. J. Electron. Bus. 8 (1), 51.
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Davis, F.D., 1989. Perceived usefulness, perceived ease of use, and user acceptance{J}. MIS Q.13(3), 319--340.
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    ISBDAI '18: Proceedings of the International Symposium on Big Data and Artificial Intelligence
    December 2018
    365 pages
    ISBN:9781450365703
    DOI:10.1145/3305275
    Permission to make digital or hard copies of all or part of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. Copyrights for components of this work owned by others than ACM must be honored. Abstracting with credit is permitted. To copy otherwise, or republish, to post on servers or to redistribute to lists, requires prior specific permission and/or a fee. Request permissions from [email protected]

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    • International Engineering and Technology Institute, Hong Kong: International Engineering and Technology Institute, Hong Kong

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    Association for Computing Machinery

    New York, NY, United States

    Publication History

    Published: 29 December 2018

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    Author Tags

    1. Impact factors
    2. Mobile payment
    3. Offline payment

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    • Short-paper
    • Research
    • Refereed limited

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    ISBDAI '18

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    ISBDAI '18 Paper Acceptance Rate 70 of 340 submissions, 21%;
    Overall Acceptance Rate 70 of 340 submissions, 21%

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