Impacts of Individual and Technical Characteristics on Perceived Risk and User Resistance of Mobile Payment Services

개인 및 기술 특성이 모바일 결제 서비스의 지각된 위험과 수용저항에 미치는 영향에 관한 연구

  • Kim, Sanghyun (School of Business Administration, Kyungpook National University) ;
  • Park, Hyun-Sun (BK21+, School of Business Administration, Kyungpook National University)
  • 김상현 (경북대학교 경영학부) ;
  • 박현선 (경북대학교 경영학부 BK21플러스)
  • Received : 2017.10.27
  • Accepted : 2017.12.20
  • Published : 2017.12.28


This study investigates to investigate the factors that influence user resistance of mobile payment services. We suggested individual and technical characteristics of mobile payment services as factors influencing perceived risk and user resistance. In addition, we suggested negative security recognition as moderating variable. To test the proposed hypotheses, we collected 349 survey responses from the users of mobile payment services and conducted structural equation modeling with SmartPLS2.0. The results show that, first, negative social influence, risk aversion and distrust in existing services had an effect on the perceived risk. Second, the pace of change and vulnerability had an effect on the perceived risk. Third, perceived risk affected the user resistance while negative security recognition is related to the relationship between perceived risk and user resistance.


Mobile Payment Services;Individual Characteristic;Technical Characteristic;Perceived Risk;User's Resistance;Negative Security Recognition


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