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Factors Affecting the User Resistance to Mobile Easy Payment Services

간편결제서비스 수용저항에 영향을 미치는 요인

  • Received : 2019.07.16
  • Accepted : 2019.08.01
  • Published : 2019.09.28

Abstract

Electronic payment is a very crucial function in electronic commerce. As electronic commercial transactions develop on a mobile basis, a variety of electronic payment services that can be conveniently used are appearing. In particular, mobile easy payment services improve the user's convenience of payment and give a positive effect on activating online transactions. In this study we investigate empirically the factors influencing the user resistance to mobile easy payment services. Especially, we compares the main acceptance factors of the mobile easy payment services with the main acceptance resistance factors of the services. By doing that, we derive the implications that could contribute to the vitalizations of the mobile easy payment service market. The research model includes "perceived risk" as a main acceptance resistance factor, and "easy of use" and "usefulness" as the main acceptance factors. The relationship among these three factors, "use conflict", and "user resistance" is expressed in the model. We analyze the model by Structural Equation Model. The results proves that all the research hypotheses are adopted except for the impact of "ease of use" on "use conflict", and that users of mobile easy payment services think of "usefulness" more important than "risk".

Keywords

Mobile Easy Payment Service;User Resistance;Perceived Risk;Easy of Use;Usefulness;SEM

Acknowledgement

Supported by : 배재대학교

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