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影响使用Apple Pay的意图的因素:一种行为视角
Khalid Waleed Abdo1, Imdadullah Hidayat-Ur-Rehman1, Sultan Bader Aljehani1
1Department of MIS, Faculty of Business Administration, University of Tabuk, Tabuk, Saudi Arabia.
PloS one
|July 17, 2025
概括
感知到的财务控制,安全,信任和易用性显著推动了Apple Pay的采用. 年轻的用户和女性优先考虑生活方式一致性和财务控制,而男性则关注安全性和对数字支付选择的信任.
科学领域:
- 数字支付系统 数字支付系统
- 消费者行为分析 消费者行为分析
- 技术采用模式 技术采用模式
背景情况:
- 果支付的采用受到各种以用户为中心的因素的影响.
- 了解这些驱动因素对于增强数字支付解决方案至关重要.
- 像TAM和DOI这样的现有模型为采用研究提供了框架.
研究的目的:
- 调查影响在沙特阿拉伯采用Apple Pay的因素.
- 应用和扩展技术接受模型 (TAM) 和创新传播 (DOI) 理论.
- 提供关于用户对数字支付技术的看法和采用的见解.
主要方法:
- 在沙特阿拉伯对221名Apple Pay用户进行了在线调查.
- 数据收集采用了分层的随机和便利抽样.
- 部分最小平方结构方程建模 (PLS-SEM) 用于数据分析.
主要成果:
- 综合模型解释了62.2%的Apple Pay使用意向差异.
- 感知到的财务控制,相对优势,安全,信任和易用性显著影响了采用意图.
- 生活方式一致性和易用性影响了意图,但不是相对优势.
结论:
- 安全,信任和易用性对于推动Apple Pay采用至关重要.
- 人口差异存在,年轻的用户,女性和男性优先考虑不同的因素.
- 该研究提供了一个全面的框架,以了解数字支付的采用,整合财务控制和生活方式一致性.
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