Effects of Consumer Trust and Perceived Usefulness on Mobile Payments and Online Shopping Website Loyalty

간편결제 서비스에 대한 지각된 유용성 및 신뢰가 결제 및 쇼핑몰 충성도에 미치는 영향

  • Han, Jin-Hee (Dept. of Fashion Industy, Incheon National University) ;
  • Jae, So-Hyun (Dept. of Fashion Industy, Incheon National University) ;
  • Kim, Bo-Hyun (Dept. of Fashion Industy, Incheon National University) ;
  • Park, Jee-Sun (Dept. of Fashion Industy, Incheon National University)
  • 한진희 (인천대학교 패션산업학과) ;
  • 제소현 (인천대학교 패션산업학과) ;
  • 김보현 (인천대학교 패션산업학과) ;
  • 박지선 (인천대학교 패션산업학과)
  • Received : 2015.10.25
  • Accepted : 2015.12.20
  • Published : 2015.12.28


The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.


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