Examining Factors Influencing the Intention to Use Mobile Payment: Focusing on Self-Construal

모바일 간편결제 이용의도에 미치는 영향요인에 관한 연구: 자기해석의 조절적 역할을 중심으로

  • Received : 2017.11.20
  • Accepted : 2018.04.20
  • Published : 2018.04.28


The purpose of this study was to examine the influence of variables of TAM, user characteristics variables, and perceived risk variables on the intention to use mobile payment. Through the combination of characteristics of mobile payment, this study also investigated the effect of various independent variables on the intention to use mobile payment including the moderating effect of self-construal. To verify hypotheses of this study, the hierarchical regression analysis based on responses from 188 undergraduate and graduate students was conducted. The significant findings of this study were as follows: TAM variables, user characteristics variables and perceived risk variables had positive influence on the intention to use mobile payment. Self-construal was found to moderate the effect of the perceived usefulness, perceived ease of use and subjective norm. This study may provide important implications for both academicians and practitioners.


Mobile payment;M-payment;Fin-tech;TAM;Self-construal


Supported by : Chung-Ang University


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