影响沙特阿拉伯支付应用客户使用和忠诚度的因素
Farooq Ahmad Bajwa1, Jingtao Fu1, Ishtiaq Ahmad Bajwa2
1International School of Management, Hainan University, Haikou 570228, People's Republic of China.
Acta psychologica
|April 3, 2025
概括
在沙特阿拉伯,用户对移动支付应用程序的信任是由便利和安全驱动的,这影响了用户的忠诚度和使用率. 合规对信任的影响很小.
科学领域:
- 金融科技公司 (Fintech)
- 数字金融数字金融
- 消费者行为 消费者行为
背景情况:
- 移动支付应用程序正在迅速改变沙特阿拉伯的金融服务.
- 了解用户接受和忠诚度对于数字金融服务的增长至关重要.
研究的目的:
- 确定影响沙特阿拉伯对移动支付应用程序的接受和忠诚度的因素.
- 分析感知到的便利性,安全性,合规性和信任对用户行为的影响.
主要方法:
- 使用问卷的定量研究方法.
- 调查数据来自沙特阿拉伯的290名移动支付应用用户和商业企业家.
- 部分最小平方结构方程建模 (PLS-SEM) 用于数据分析.
主要成果:
- 用户对移动支付应用程序的信任受到感知方便和安全的重大影响.
- 信任,方便和安全性积极影响客户的忠诚度和应用程序使用频率.
- 感知到的合规性对用户信任的影响不那么大.
结论:
- 调查结果为金融科技公司和政策制定者提供了洞察力,以加强以用户为中心的设计和监管框架.
- 未来的研究应该结合定性方法来更深入地理解.
- 该研究通过解决用户安全,方便和信任问题,为数字金融服务的进步做出了贡献.
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