DOI QR코드

DOI QR Code

The Factors Influencing on the Intention to Use Mobile Payment System: Focused on Korea and China

모바일 결제 시스템 이용 의도의 영향 요인에 대한 연구: 한국과 중국의 결제 시스템을 중심으로

  • 홍태호 (부산대학교 경영대학) ;
  • 왕 시 (부산대학교 대학원 경영학과) ;
  • 서보밀 (숙명여자대학교 경영학부) ;
  • 야오즈옌 (부산대학교 대학원 경영학과) ;
  • 박지영 (부산대학교 경영연구소)
  • Received : 2017.11.11
  • Accepted : 2017.12.06
  • Published : 2017.12.31

Abstract

The rapid development of information technology has affected many industries, and made consumers receive new services that are completely different from those of the past. In the financial industry, various changes are taking place, such as providing the payment system which is easy to use and offering differentiated services. This study examined the factors affecting the intention to use mobile payment system. In particular, we considered both practical and emotional factors that affect the intentions. The mobile payment system, which is a new form of payment, is rapidly developing in China. In Korea, it is still in the beginning stage due to the legal regulations and the activation of alternative payment methods. This study, therefore, compared the differences in factors that affect the intention to use mobile payment system between Korea and China.

Acknowledgement

Supported by : 숙명여자대학교

References

  1. 강성배, 채미혜 2011. "스마트폰 애플리케이션의 지각된 가치와 채택의도에 관한 연구," 인터넷전자상거래연구 (11:4), pp. 187-208.
  2. 김은정, 김주현, 김종원 2017. "핀테크 사용의도에 영향을 미치는 요인에 관한 연구," 정보시스템연구 (26:1) pp. 75-91.
  3. 우가인, 강성배 2017. "핀테크 기반의 간편결제 서비스 지속적 사용의도에 대한 요인 연구," 정보시스템연구 (26:3), pp. 25-46.
  4. 유선실 2015. "미국 모바일 결제서비스 이용 현황과 사업자 동향," 정보통신방송정책 (27:10), pp. 27-33.
  5. 이재광, 김종무, 이강은, 윤소라, 조현 2017. "핀테크 수용에 영향을 미치는 요인에 관한 연구: 모바일 결제 서비스를 중심으로," 지식경영연구 (18:3), pp. 181-199. https://doi.org/10.15813/kmr.2017.18.3.009
  6. 정대현, 장활식, 박광오 2017. "핀테크 활성화를 위한 사용환경특성과 지속사용의도," 정보시스템연구 (26:2), pp. 123-142.
  7. 황경연, 문희철 2002. "한.미 은행고객의 지속적 인터넷뱅킹이용의도에 미치는 영향요인 비교연구," 인터넷전자상거래연구 (2:1), pp. 181-206.
  8. Adams, D. A., Nelson, R. R., and Todd, P. A. 1992. "Perceived Usefulness, Ease of Use, and Usage of Information Technology: A Replication," MIS Quarterly (16:2), pp. 227-247 https://doi.org/10.2307/249577
  9. Ajzen, I. 1991. "The Theory of Planned Behavior," Organizational Behavior and Human Decision Processes (50:2), pp. 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
  10. Anderson, J. C., and Gerbing, D. W. 1988. "Structural Equation Modeling in Practice: A Review and Recommended Two-Step Approach," Psychological Bulletin (103:3), pp. 411-423. https://doi.org/10.1037/0033-2909.103.3.411
  11. Bandura, A. 1985. Social Foundations of Thought and Action: A Social Cognitive Theory, Englewood Cliffs: Prentice Hall.
  12. Bauer, R. A. 1960. "Consumer Behavior as Risk Taking," in Proceedings of the 43rd Conference of the American Marketing Association, Chicago, U.S., pp.389-398.
  13. Berry, L. L., Seiders, K., and Grewal, D. 2002. "Understanding Service Convenience," Journal of Marketing (66:3), pp. 1-17. https://doi.org/10.1509/jmkg.66.3.1.18505
  14. Bhatti, T. 2007. "Exploring Factors Influencing the Adoption of Mobile Commerce," Journal of Internet Banking and Commerce (12:3), pp. 32-42.
  15. Carroll, J. M., and Thomas, J. C. 1988. "Fun," ACM SIGCHI Bulletin (19:3), pp. 21-24. https://doi.org/10.1145/49108.1045604
  16. Chang, M. K., Cheung, W., and Lai, V. S. 2005. "Literature Derived Reference Models for the Adoption of Online Shopping," Information & Management (42:4), pp. 543-559. https://doi.org/10.1016/S0378-7206(04)00051-5
  17. Cheng, T. C. E., Lam, D. Y. C., and Yeung, A. C. L. 2006. "Adoption of Internet Banking: An Empirical Study in Hong Kong," Decision Support Systems (42:3), pp. 1558-1572. https://doi.org/10.1016/j.dss.2006.01.002
  18. Clarke, I., III. 2001. "Emerging Value Propositions for M-Commerce," Journal of Business Strategies (18:2), pp. 133-148.
  19. CNNIC. 2015. The 36th Statistical Report on Internet Development in China, Beijing: China Internet Network Information Center.
  20. Crespo, A. H., and del Bosque, I. R. 2008. "The Effect of Innovativeness on the Adoption of B2C E-Commerce: A Model Based on the Theory of Planned Behaviour," Computers in Human Behavior (24.6), pp. 2830-2847. https://doi.org/10.1016/j.chb.2008.04.008
  21. Dahlberg, T., Guo, J., and Ondrus, J. 2015. "A Critical Review of Mobile Payment Research," Electronic Commerce Research and Applications (14:5), pp.265-284. https://doi.org/10.1016/j.elerap.2015.07.006
  22. Davis, F. D. 1989. "Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology," MIS Quarterly (13:3), pp. 319-340. https://doi.org/10.2307/249008
  23. Davis, F. D., Bagozzi, R. P., and Warshaw P. R. 1992. "Extrinsic and Intrinsic Motivation to Use Computers in the Workplace," Journal of Applied Social Psychology (22:14), pp. 1111-1132. https://doi.org/10.1111/j.1559-1816.1992.tb00945.x
  24. Featherman, M. S., and Pavlou, P. A. 2003. "Predicting E-Services Adoption: A Perceived Risk Facets Perspective," International Journal of Human-Computer Studies (59:4), pp. 451-474. https://doi.org/10.1016/S1071-5819(03)00111-3
  25. Fishbein, M., and Ajzen, I. 1975. Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Reading: Addison-Wesley.
  26. Hung, S.-Y., Ku, C.-Y., and Chang, C.-M. 2003. "Critical Factors of WAP Services Adoption: An Empirical Study," Electronic Commerce Research and Applications (2:1), pp. 42-60. https://doi.org/10.1016/S1567-4223(03)00008-5
  27. Igbaria, M., Parasuraman, S., and Baroudi, J. J. 1996. "A Motivational Model of Microcomputer Usage," Journal of Management Information Systems (13:1), pp. 127-143. https://doi.org/10.1080/07421222.1996.11518115
  28. ISACA 2011. Mobile Payments: Risk, Security and Assurance Issues, Rolling Meadows: ISACA.
  29. Jackson, J. D., Yi, M. Y., and Park, J. S. 2013. "An Empirical Test of Three Mediation Models for the Relationship between Personal Innovativeness and User Acceptance of Technology," Information & Management (50:4), pp. 154-161. https://doi.org/10.1016/j.im.2013.02.006
  30. Jarvenpaa, S. L., Lang, K. R., Takeda, Y., and Tuunainen, V. K. 2003. "Mobile Commerce at Crossroads," Communications of the ACM (46:12), pp. 41-44. https://doi.org/10.1145/953460.953485
  31. Joseph, B., and Vyas, S. J. 1984. "Concurrent Validity of a Measure of Innovative Cognitive Style," Journal of the Academy of Marketing Science (12:2), pp. 159-175. https://doi.org/10.1007/BF02729494
  32. Kim, C., Mirusmonov, M., and Lee, I. 2010. "An Empirical Examination of Factors Influencing the Intention to Use Mobile Payment," Computers in Human Behavior (26:3), pp. 310-322. https://doi.org/10.1016/j.chb.2009.10.013
  33. Kock, N. 2015. WarpPLS 5.0 User Manual, Laredo: ScriptWarp Systems.
  34. Krueger, M. 2001. The Future of M-Payments: Business Options and Policy Issues, Seville: Institute for Prospective Technological Studies.
  35. Leavitt, C., and Walton, J. 1975. "Development of a Scale for Innovativeness," Advances in Consumer Research (2:1), pp. 545-554.
  36. Lee, M.-C. 2009. "Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit," Electronic Commerce Research and Applications (8:3), pp. 130-141. https://doi.org/10.1016/j.elerap.2008.11.006
  37. Liao, C.-H., Tsou, C.-W., and Shu, Y.-C. 2008. "The Roles of Perceived Enjoyment and Price Perception in Determining Acceptance of Multimedia-on-Demand," International Journal of Business and Information (3:1), pp. 27-52.
  38. Lim, N. 2003. "Consumers' Perceived Risk: Sources versus Consequences," Electronic Commerce Research and Applications (2:3), pp. 216-228. https://doi.org/10.1016/S1567-4223(03)00025-5
  39. Lin, C.-P, and Bhattacherjee, A. 2010. "Extending Technology Usage Models to Interactive Hedonic Technologies: A Theoretical Model and Empirical Test," Information Systems Journal (20:2), pp. 163-181. https://doi.org/10.1111/j.1365-2575.2007.00265.x
  40. Lin, P., Chen, H.-Y., Fang, Y., Jeng, J.-Y., and Lu, F.-S. 2008. "A Secure Mobile Electronic Payment Architecture Platform for Wireless Mobile Networks," IEEE Transactions on Wireless Communications (7:7), pp. 2705-2713. https://doi.org/10.1109/TWC.2008.070111
  41. Lin, K. Y., and Lu, H. P. 2015. "Predicting Mobile Social Network Acceptance Based on Mobile Value and Social Influence," Internet Research (25:1), pp. 107-130. https://doi.org/10.1108/IntR-01-2014-0018
  42. Looney, C. A., Jessup, L. M., and Valacich, J. S. 2004. "Emerging Business Models for Mobile Brokerage Services," Communications of the ACM (47:6), pp. 71-77. https://doi.org/10.1145/990680.990683
  43. Lu, Y., Yang, S., Chau, P. Y. K., and Cao, Y. 2011. "Dynamics between the Trust Transfer Process and Intention to Use Mobile Payment Services: A Cross-Environment Perspective," Information & Management (48:8), pp. 393-403. https://doi.org/10.1016/j.im.2011.09.006
  44. Mallat, N. 2007. "Exploring Consumer Adoption of Mobile Payments: A Qualitative Study," The Journal of Strategic Information Systems (16:4), pp. 413-432. https://doi.org/10.1016/j.jsis.2007.08.001
  45. Midgley, D. F., and Dowling G. R. 1978. "Innovativeness: The Concept and Its Measurement," Journal of Consumer Research (4:4), pp. 229-242. https://doi.org/10.1086/208701
  46. Nysveen, H., Pedersen, P. E., and Thorbjornsen, H. 2005. "Intentions to Use Mobile Services: Antecedents and Cross-Service Comparisons," Journal of the Academy of Marketing Science (33:3), pp. 330-346. https://doi.org/10.1177/0092070305276149
  47. Peter, J. P., and Ryan, M. J. 1976. "An Investigation of Perceived Risk at the Brand Level," Journal of Marketing Research (13:2), pp. 184-188. https://doi.org/10.1177/002224377601300210
  48. Rogers, E. M. 2003. Diffusion of Innovations (5th ed.), New York: Free Press.
  49. Rogers, E. M., and Shoemaker, F. F. 1971. Communication of Innovations: A CrossCultural Approach, New York: Free Press.
  50. Schierz, P. G., Schilke, O., and Wirtz, B. W. 2010. "Understanding Consumer Acceptance of Mobile Payment Services: An Empirical Analysis," Electronic Commerce Research and Applications (9:3), pp. 209-216. https://doi.org/10.1016/j.elerap.2009.07.005
  51. Slade, E., Williams, M., Dwivedi, Y., and Piercy, N. 2015. "Exploring Consumer Adoption of Proximity Mobile Payments," Journal of Strategic Marketing (23:3), pp. 209-223. https://doi.org/10.1080/0965254X.2014.914075
  52. Suh, B., and Han, I. 2002. "Effect of Trust on Customer Acceptance of Internet Banking," Electronic Commerce Research and Applications (1:3-4), pp. 247-263. https://doi.org/10.1016/S1567-4223(02)00017-0
  53. Tan, G. W.-H., Ooi, K.-B., Chong, S.-C., and Hew, T.-S. 2014. "NFC Mobile Credit Card: The Next Frontier of Mobile Payment?" Telematics and Informatics (31:2), pp. 292-307. https://doi.org/10.1016/j.tele.2013.06.002
  54. Teo, T. S. H., Lim, V. K. G., and Lai, R. Y. C. 1999. "Intrinsic and Extrinsic Motivation in Internet Usage," Omega (27:1), pp. 25-37. https://doi.org/10.1016/S0305-0483(98)00028-0
  55. Teo, T. S. H., and Pok, S. H. 2003. "Adoption of WAP-Enabled Mobile Phones among Internet Users," Omega (31:6), pp. 483-498. https://doi.org/10.1016/j.omega.2003.08.005
  56. Thong, J. Y. L., Hong, S.-J., and Tam, K. Y, 2006. "The Effects of Post-Adoption Beliefs on the Expectation-Confirmation Model for Information Technology Continuance," International Journal of Human-Computer Studies (64:9), pp. 799-810. https://doi.org/10.1016/j.ijhcs.2006.05.001
  57. Turel O., Serenko, A., and Giles, P. 2011. "Integrating Technology Addiction and Use: An Empirical Investigation of Online Auction Users," MIS Quarterly (35:4), pp. 1043-1062. https://doi.org/10.2307/41409972
  58. Van der Heijden, H. 2004. "User Acceptance of Hedonic Information Systems," MIS Quarterly (28:4), pp. 695-704. https://doi.org/10.2307/25148660
  59. Venkatesh, V. 2000. "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model," Information Systems Research (11:4), pp. 342-365. https://doi.org/10.1287/isre.11.4.342.11872
  60. Venkatesh, V., and Brown, S. A. 2001. "A Longitudinal Investigation of Personal Computers in Homes: Adoption Determinants and Emerging Challenges," MIS Quarterly (25:1), pp. 71-102. https://doi.org/10.2307/3250959
  61. Venkatesh, V., and Davis F. D., 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science (46:2), pp. 186-204. https://doi.org/10.1287/mnsc.46.2.186.11926
  62. Venkatesh, V., Morris, M. G., Davis, G. B., and Davis, F. D. 2003. "User Acceptance of Information Technology: Toward a Unified View," MIS Quarterly (27:3), pp. 425-478. https://doi.org/10.2307/30036540
  63. Venkatesh, V., Thong, J. Y. L., and Xu, X. 2012. "Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology," MIS Quarterly (36:1). pp. 157-178. https://doi.org/10.2307/41410412
  64. Wixom, B. H., and Todd, P. A. 2005. "A Theoretical Integration of User Satisfaction and Technology Acceptance," Information Systems Research (16:1), pp.85-102. https://doi.org/10.1287/isre.1050.0042
  65. Wu, J.-H., and Wang, S.-C. 2005. "What Drives Mobile Commerce?: An Empirical Evaluation of the Revised Technology Acceptance Model," Information & Management (42:5), pp. 719-729. https://doi.org/10.1016/j.im.2004.07.001
  66. Xu, G., and Gutierrez, J. A. 2006. "An Exploratory Study of Killer Applications and Critical Success Factors in M-Commerce," Journal of Electronic Commerce in Organizations (4:3), pp. 63-79. https://doi.org/10.4018/jeco.2006070104
  67. Xu, J. D., Benbasat, I., and Cenfetelli, R. T. 2013 "Integrating Service Quality with System and Information Quality: An Empirical Test in the E-Service Context," MIS Quarterly (37:3), pp. 777-794. https://doi.org/10.25300/MISQ/2013/37.3.05
  68. Zhao, X., and Sun, Y. 2012. "A Study of Third-Party Online Payment: Risk Control and Supervision Analysis," Proceedings of the Eleventh Wuhan International Conference on E-Business, Wuhan, China, pp. 210-216.
  69. Visa International 2006. "How Would You Like to Pay for That? Cash, Card or Phone?" Retrieved December 2006. from http://corporate.visa.com/md/nr/press291.jsp.
  70. Wikipedia 2017. "Financial Technology," Retrieved November 2017. from https://en.wikipedia.org/wiki/Financial_technology.