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User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis

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  • Kamal Abubker Abrahim Sleiman
  • Lan Juanli
  • Hongzhen Lei
  • Ru Liu
  • Yuanxin Ouyang
  • Wenge Rong

Abstract

The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success factors is becoming important. Mobile payments are a complex system, and a large number of factors affect their success. Since mobile payments are directly related to financial issues, their wide adoption relies heavily on people’s trust. We developed a model based on the TAM to investigate the most influential factors in building trust within the mobile payment context. We conducted an empirical survey and 373 samples were collected using a valid questionnaire from the users of the popular payment platforms in China—Alipay and WeChat payment. We found that government monitoring is the most significant factor of customer trust, followed by reputation, and security. Government monitoring directly influenced behavioral intention, was negatively associated with perceived risk and positively affected behavioral intention. Moreover, mobility, subjective norms, usefulness, ease of use, and perceived enjoyment impacts customer behavioral intention.

Suggested Citation

  • Kamal Abubker Abrahim Sleiman & Lan Juanli & Hongzhen Lei & Ru Liu & Yuanxin Ouyang & Wenge Rong, 2021. "User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis," SAGE Open, , vol. 11(4), pages 21582440211, November.
    • Handle: RePEc:sae:sagope:v:11:y:2021:i:4:p:21582440211056599
    DOI: 10.1177/21582440211056599
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    Cited by:

    1. Teng Yu & Yajun Zhang & Ai Ping Teoh & Anchao Wang & Chengliang Wang, 2023. "Factors Influencing University Students’ Behavioral Intention to Use Electric Car-Sharing Services in Guangzhou, China," SAGE Open, , vol. 13(4), pages 21582440231, November.
    2. Marta Campos Ferreira & Manuel Oliveira & Teresa Galvão Dias, 2022. "To Use or Not to Use? Investigating What Drives Tourists to Use Mobile Ticketing Services in Tourism," Sustainability, MDPI, vol. 14(11), pages 1-16, May.
    3. Kamal Abubker Abrahim Sleiman & Wang Jin & Lan Juanli & Hong Zhen Lei & Jingyi Cheng & Yuanxin Ouyang & Wenge Rong, 2022. "The Factors of Continuance Intention to Use Mobile Payments in Sudan," SAGE Open, , vol. 12(3), pages 21582440221, August.
    4. Zarifis, Alex & Cheng, Xusen, 2022. "A model of trust in Fintech and trust in Insurtech: How Artificial Intelligence and the context influence it," Journal of Behavioral and Experimental Finance, Elsevier, vol. 36(C).
    5. Shalini Srivastava & Nidhi Singh, 2023. "An integrated model predicting customers’ continuance behavioral intention and recommendations of users: a study on mobile payment in emerging markets," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(2), pages 236-254, June.

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