影响线支付感知可用性的因素:一种扩展技术接受模式方法
Yogi Tri Prasetyo1, Krisna Chandra Susanto2, Ko-Hui Chuang3
1International Bachelor Program in Engineering, Yuan Ze University, 135 Yuan-Tung Road, Chung-Li 32003, Taiwan; Department of Industrial Engineering and Management, Yuan Ze University, 135 Yuan-Tung Road, Chung-Li 32003, Taiwan.
Acta psychologica
|March 16, 2025
概括
消费者采用台湾Line Pay等移动支付系统的原因是实用性,易用性和激励. 对于线路支付用户来说,信任和安全的影响力不如方便和感知价值.
科学领域:
- *金融技术 (FinTech) 和消费者行为分析
- * 数字支付系统的采用动态
- * 技术接受模型 (TAM) 应用程序
背景情况:
- * 台湾先进的数字基础设施和高智能手机透率促进了移动支付的增长.
- *Line Pay是台湾不断发展的移动支付领域的一个重要平台.
- * 了解用户采用驱动因素对于金融科技市场竞争力至关重要.
研究的目的:
- * 调查影响台湾消费者对线支付的态度和行为因素.
- * 将技术接受模式 (TAM) 扩展到社会影响力,信任,安全和环境问题.
- * 为分析移动支付采用提供一个全面的框架.
主要方法:
- *对120名台湾参与者进行调查,使用有目的抽样.
- *通过部分最小平方结构方程建模 (PLS-SEM) 分析数据.
- * 应用一个扩展的技术接受模型 (TAM) 框架.
主要成果:
- * 感知到的有用性,易用性和促销激励措施显著影响用户的态度和行为意图.
- * 隐私和安全问题的影响比方便和感知价值的影响要小.
- * 扩展的TAM模型解释了72.8%的态度差异和67.3%的行为意图差异.
结论:
- *扩展的TAM有效地预测了移动支付的采用,强调了感知价值和便利的重要性.
- *Line Pay的多功能性和战略伙伴关系是其采用的主要推动因素.
- *未来的创新应该集中在加强隐私保护和整合可持续性,以保持市场竞争力.
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