评估手掌生物识别支付系统的接受度:技术接受模型和价值框架的整合
Ma Althea Kassandra A Domingo1, Alyssa Grace P Bernadas2, Julienne Danielle P Maiquez2
1School of Industrial Engineering and Engineering Management, Mapúa University, 658 Muralla St., Intramuros, Manila 1002, Philippines; School of Graduate Studies, Mapúa University, 658 Muralla St., Intramuros, Manila 1002, Philippines.
Acta psychologica
|August 16, 2025
概括
棕生物识别支付提供安全交易,感知易用性和实用性推动消费者接受. 信任和解决隐私问题是广泛采用这种创新的支付技术的关键.
科学领域:
- 金融技术 金融技术
- 人与计算机的交互
- 生物识别安全 生物识别安全
背景情况:
- 传统的支付方式在安全性和方便性方面面临限制.
- 生物识别支付系统,如手掌扫描,为增强交易安全提供创新解决方案.
- 评估消费者接受度对于成功采用新支付技术至关重要.
研究的目的:
- 用价值框架和技术接受模型评估手掌生物识别支付的接受度.
- 确定影响消费者对手掌生物识别支付系统的行为意图 (BI) 的关键因素.
- 了解感知到的有用性,易用性,信任,风险,态度和益处对BI的影响.
主要方法:
- 通过社交媒体平台收集了421个有效的回复.
- 采用部分最小平方结构方程建模 (PLS-SEM) 来进行数据分析.
- 整合了价值框架和技术接受模型,以评估用户接受度.
主要成果:
- 行为意图 (BI) 显示对接受有最强烈的积极影响.
- 感知易用性 (PEOU) 和感知实用性 (PU) 显著影响了BI.
- 态度 (ATT) 显著影响了BI,而感知风险并没有显著影响BI,这表明好处超过了用户的风险.
结论:
- 在生物识别支付技术中,信任对于安全交易至关重要.
- 提高用户的信任和接受需要解决隐私和安全问题.
- 调查结果为改善手掌生物识别支付交易的安全性提供了见解.
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