IDEAS home Printed from https://ideas.repec.org/a/sae/sagope/v11y2021i4p21582440211056599.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1177/21582440211056599
    Download Restriction: no
    File URL: https://libkey.io/10.1177/21582440211056599?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    2. Timothy R. Hill & Malu Roldan, 2005. "Toward Third Generation Threaded Discussions for Mobile Learning: Opportunities and Challenges for Ubiquitous Collaborative Environments," Information Systems Frontiers, Springer, vol. 7(1), pages 55-70, February.
    3. Ajao Qasim & Emad Abu-Shanab, 2016. "Drivers of mobile payment acceptance: The impact of network externalities," Information Systems Frontiers, Springer, vol. 18(5), pages 1021-1034, October.
    4. Yusaku Nishimura, 2020. "New normal and new economy: a new growth engine for China," International Journal of Economic Policy Studies, Springer, vol. 14(2), pages 301-312, August.
    5. Fred D. Davis & Richard P. Bagozzi & Paul R. Warshaw, 1989. "User Acceptance of Computer Technology: A Comparison of Two Theoretical Models," Management Science, INFORMS, vol. 35(8), pages 982-1003, August.
    6. Teo, Thompson S.H. & Liu, Jing, 2007. "Consumer trust in e-commerce in the United States, Singapore and China," Omega, Elsevier, vol. 35(1), pages 22-38, February.
    7. Shaw, Norman, 2014. "The mediating influence of trust in the adoption of the mobile wallet," Journal of Retailing and Consumer Services, Elsevier, vol. 21(4), pages 449-459.
    8. Gefen, David, 2000. "E-commerce: the role of familiarity and trust," Omega, Elsevier, vol. 28(6), pages 725-737, December.
    9. Andreas I. Nicolaou & D. Harrison McKnight, 2006. "Perceived Information Quality in Data Exchanges: Effects on Risk, Trust, and Intention to Use," Information Systems Research, INFORMS, vol. 17(4), pages 332-351, December.
    10. Bong Keun Jeong & Tom E Yoon, 2013. "An Empirical Investigation on Consumer Acceptance of Mobile Banking Services," Business and Management Research, Business and Management Research, Sciedu Press, vol. 2(1), pages 31-40, March.
    11. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    12. Tao Zhou, 2015. "An Empirical Examination of Users' Switch from Online Payment to Mobile Payment," International Journal of Technology and Human Interaction (IJTHI), IGI Global, vol. 11(1), pages 55-66, January.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    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.
    6. L. Garekwe & S. J. Ferreira-Schenk & Zandri Dickason-Koekemoer, 2024. "Modelling Factors Influencing Bank Customers’ Readiness for Artificial Intelligent Banking Products," International Journal of Economics and Financial Issues, Econjournals, vol. 14(1), pages 73-84, January.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Arif Hasan & S. K. Gupta, 2020. "Exploring Tourists’ Behavioural Intentions Towards Use of Select Mobile Wallets for Digital Payments," Paradigm, , vol. 24(2), pages 177-194, December.
    2. Nripendra P. Rana & Yogesh K. Dwivedi & Banita Lal & Michael D. Williams & Marc Clement, 2017. "Citizens’ adoption of an electronic government system: towards a unified view," Information Systems Frontiers, Springer, vol. 19(3), pages 549-568, June.
    3. Ahmad Almagrashi & Abdulwahab Mujalli & Tehmina Khan & Osama Attia, 2023. "Factors determining internal auditors’ behavioral intention to use computer-assisted auditing techniques: an extension of the UTAUT model and an empirical study," Future Business Journal, Springer, vol. 9(1), pages 1-19, December.
    4. Heiko Moryson & Guido Moeser, 2016. "Consumer Adoption of Cloud Computing Services in Germany: Investigation of Moderating Effects by Applying an UTAUT Model," International Journal of Marketing Studies, Canadian Center of Science and Education, vol. 8(1), pages 14-32, February.
    5. Lingling Gao & Kerem Aksel Waechter, 2017. "Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation," Information Systems Frontiers, Springer, vol. 19(3), pages 525-548, June.
    6. Cansu TÜRKER & Abdullah OKUMUŞ, 2019. "Mobil Ödeme Kullanımına Yönelik Niyet ve Algıların SosyoDemografik Özelliklere Göre Farklılıklarının İncelenmesi," Istanbul Management Journal, Istanbul University Business School, vol. 0(87), pages 111-139, December.
    7. Chatterjee, Sheshadri & Chaudhuri, Ranjan & Vrontis, Demetris & Thrassou, Alkis & Ghosh, Soumya Kanti, 2021. "Adoption of artificial intelligence-integrated CRM systems in agile organizations in India," Technological Forecasting and Social Change, Elsevier, vol. 168(C).
    8. 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.
    9. Schmidthuber, Lisa & Maresch, Daniela & Ginner, Michael, 2020. "Disruptive technologies and abundance in the service sector - toward a refined technology acceptance model," Technological Forecasting and Social Change, Elsevier, vol. 155(C).
    10. Agarwal, Reeti & Rastogi, Sanjay & Mehrotra, Ankit, 2009. "Customers’ perspectives regarding e-banking in an emerging economy," Journal of Retailing and Consumer Services, Elsevier, vol. 16(5), pages 340-351.
    11. Amita Goyal Chin & Mark A. Harris & Robert Brookshire, 2022. "An Empirical Investigation of Intent to Adopt Mobile Payment Systems Using a Trust-based Extended Valence Framework," Information Systems Frontiers, Springer, vol. 24(1), pages 329-347, February.
    12. Cao, Xinyu & Mokhtarian, Patricia L., 2005. "The Intended and Actual Adoption of Online Purchasing: A Brief Review of Recent Literature," University of California Transportation Center, Working Papers qt5z75n416, University of California Transportation Center.
    13. Riccardo Reith & Maximilian Fischer & Bettina Lis, 2020. "Explaining the intention to use social trading platforms: an empirical investigation," Journal of Business Economics, Springer, vol. 90(3), pages 427-460, April.
    14. Lingling Gao & Kerem Aksel Waechter, 0. "Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation," Information Systems Frontiers, Springer, vol. 0, pages 1-24.
    15. Cao, XinYu & Mokhtarian, Patricia L, 2005. "The Intended and Actual Adoption of Online Purchasing: A Brief Review of Recent Literature," Institute of Transportation Studies, Working Paper Series qt095934s0, Institute of Transportation Studies, UC Davis.
    16. Mariani, Marcello M. & Ek Styven, Maria & Teulon, Fréderic, 2021. "Explaining the intention to use digital personal data stores: An empirical study," Technological Forecasting and Social Change, Elsevier, vol. 166(C).
    17. Zeleke Siraye Asnakew, 2020. "Customers’ Continuance Intention to Use Mobile Banking: Development and Testing of an Integrated Model," The Review of Socionetwork Strategies, Springer, vol. 14(1), pages 123-146, April.
    18. Maral Jamalova, 2024. "Modelling user behavior towards smartphones and wearable technologies: A bibliometric study and brief literature review," Papers 2405.01137, arXiv.org.
    19. Rishi Manrai & Kriti Priya Gupta, 2023. "Investor’s perceptions on artificial intelligence (AI) technology adoption in investment services in India," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 1-14, March.
    20. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P., 2017. "Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust," International Journal of Information Management, Elsevier, vol. 37(3), pages 99-110.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:sae:sagope:v:11:y:2021:i:4:p:21582440211056599. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: SAGE Publications (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.