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Social Aware Mobile Payment Service Popularity Analysis: The Case of WeChat Payment in China
Abstract
Since its release in 2013, WeChat payment service has gradually become one of the most popular mobile payment services in China. Different from other mobile payment platforms, WeChat payment bundles with the most popular social network service in China, WeChat. It is then becoming interesting to investigate the reason beneath its popularity by combination of social network and mobile payment. In this research, we applied the technology acceptance model to predict the acceptability of WeChat payment and to identify the variables which attribute to the popularity of WeChat payment. Besides the primary explanatory variables of TAM, the proposed framework is further extended to include the constructs of Social Interaction, Trust, Perceived Enjoyment and Use Context. Online survey has been collected by respondents chosen randomly among users of WeChat payment. The results have shown that the proposed model is able to explain the variance in user’s behaviour intention to use WeChat payment services. We hope this study can provide insights to understand the adoption behaviour of social aware mobile payment and service and help further improve their services.
... TAM theory grosses over the usability and adaptability of perceived usefulness and perceived ease of use between attitude and behaviour intention to use [8]. From meta-analysis, it helps fortune teller to portend new technologies acceptation and exception; WeChat payment [9] significantly adopts TAM theory, Internet banking [10], mobile payment [11]. The research proposed ( Fig. 1) a model with the integration of TAM, TPB and cognitive framework. ...
... Perceived usefulness is mentioned as the degree to which a person believes that using a particular system to enhance his or her job performance [9]. In online ticketing, customer purpose, how to improve the customer performance by using the given adoptive technology. ...
... Trust refers to the degree to which a person believes that new technologies' usage depends on the reliability of his or her job performance [9,14,15]. When a new technology is launched, a consumer does not know the usability, reliability and security; system performance could ensure these factors efficiency. ...
Prior research was perused the technology usage on limited factors, our aim is to investigate factor to adumbrate e-ticketing systems accuracy with further improvement and successive usage in the context of Bangladesh. To do so, we designed a research model with the integration of Technology Acceptance Model (TAM), Theory Planned Behavior (TPB), Trust theory, Time saving theory, and cognitive framework. Survey data were amassed from the different profession of consumers who are using e-ticketing system, 145 valid data were tested the research model to find structural relationship and hypothesis result by using Partial Least Squares (PLS). Cognitive ability has a significant impact on time-saving and trust to purchase the ticket on internet, while a wispy impact has cited between cognitive ability and perceived usefulness. In addition, trust has positively influenced on attitude towards of buying an online ticket and timesaving has a positive relationship with TAM. Moreover, the study assists eticketing authorities and individual consumer to understand which factor gradually affect the progressive usage of e-ticketing.
... IMDS 117,8 Given these gaps in knowledge, this study takes the WeChat (known as Weixin in China) payment, for example to answer above questions. This is because WeChat payment applies some interesting activities to improve the users' enthusiasm, which is different from other online or m-payment services (Qu et al., 2015). In this study, we specially investigates whether positive emotion can decrease perceived risk and increase perceived usefulness; what influences the acceptance intention of an individual moreperceived usefulness, perceived risk, or positive emotion; and how do their relative impacts on acceptance intention change from the market introduction stage to the growth stage of WeChat payment? ...
... During the first half of 2016, WeChat payment has firmly occupied the second largest m-payment market share and continued to narrow the gap with Alipay (Trustdata, 2016). Second, it is different from most m-payment services due to its social factor (Qu et al., 2015). WeChat payment is linked to WeChat which combining the functions of an instant messaging platform and a social networking site (Wen et al., 2016). ...
... WeChat red envelopes provide an efficient platform for interacting with relatives and friends and are a part of the festivities during the Spring Festival. Social interaction with social m-payment is positively correlated to perceived enjoyment, because it fits Chinese traditional habits and provides entertainment experience (Qu et al., 2015). WeChat use intensity can also increase users' intrinsic motivation (enjoyment or fun) (Wen et al., 2016). ...
Purpose
Although perceived risk and usefulness have been identified as two major factors that influence consumer acceptance of an innovative mobile payment (m-payment), relatively few researchers have explored the impact of affective factors on perceived risk and usefulness, and the relationship between perceived risk and usefulness. Also, it is unclear whether there is a difference in the acceptance intention among users across different diffusion stages of this innovation. The purpose of this paper is to investigate the role of positive emotion in consumer acceptance of WeChat payment across time.
Design/methodology/approach
This study proposed and validated a framework integrating the consumer response system model and the affect heuristic. A total of 484 valid responses were collected through two online surveys at two diffusion stages of WeChat payment technology. The structural equation modeling and multigroup analysis were used to test the hypotheses.
Findings
The results show that users’ acceptance intention is relatively related to perceived risk, perceived usefulness, and positive emotion. Positive emotion has a strong negative impact on perceived risk and a positive impact on perceived usefulness. Also, perceived usefulness strongly decreases users’ perception of risk. Multigroup analyses find that both positive emotion and perceived risk have significant positive and negative impacts on acceptance intention at the stage of market introduction rather than market growth. Rather, the influence of positive usefulness on acceptance intention is significantly higher at the stage of market growth than at market introduction.
Originality/value
This study indicates that exploring the role of positive emotion and the moderating effect of diffusion stages in m-payment acceptance provides a more comprehensive understanding of how to achieve a greater acceptance rate of an innovative m-payment.
... They ditched the traditional payment method due to the simpleness and easiness of the new technology called Financial Technology or so we called Fintech. The fintech technology that we've been discussing earlier is called fintech payment where in China, there already multiple fintech payment platforms like WeChat pay and Alipay [2] [3]. Both of these fintech titans is the biggest payment method provider that use by everyone in China, from homeless people asking for money, street musician, clothing store, restaurant, and everywhere. ...
Technology has changed the world in every aspect. One of them is how we make a transaction. With Financial Technology (Fintech), payment can be made with only your mobile phone, your new digital wallet. Indonesia is one of the fastest countries in digitalization, surpassing Brazil and China, has begun utilizing this new technology. However, the penetration rate is considered low. The condition of Indonesia’s fintech is still developing and competing fiercely against several other fintech that arose together in the same period. In this paper, the study focused on one fintech in Indonesia named DANA. The objective is to propose a model to identify the factors influencing the acceptance and usage of DANA. The methodology used in this study will be TAM that has been modified to fit the object of study. The results are hoped to be used as guidance for DANA’s improvement.
... Some popular phone applications that allow SVC include WhatsApp, Telegram and WeChat. In China, WeChat has become the dominant multi-media platform for mobile-mediated communication (Gao et al., 2019;Qu et al., 2015;Wu, 2015). Therefore, it might provide a new way for learners to communicate in English using the multiple modes of text messaging, voice messaging, and moment sharing. ...
In recent, mobile technology is experiencing a highly development, it is necessary to explore whether it holds the potential to boost EFL learners’ language acquisition based on its instant messaging apps in synchronous voice chat (SVC) mode. With a focus on Chinese EFL learners, this study aimed to compare their speaking performance in SVC and face-to-face (F2F) chat modes. It also explored the relationship between learners’ speaking performance and anxiety levels in these two chat modes which allow real-time communication. In this mixed methods study, WeChat instant messaging was used as the platform for SVC. Forty students from a public university in China participated in 4 chat sessions in SVC and F2F chat modes over 4 weeks. Quantitative data were collected through the oral scores of the participants’ performance in the chat sessions and anxiety questionnaires. Then, qualitative data were obtained from a focus group interview. The findings revealed a significant difference in learners’ speaking performance in SVC and F2F chat. Students’ speaking performance outperformed in SVC chat compared to F2F chat. This could be linked to students’ anxiety levels which were slightly higher in F2F chat. Despite that, most of the students preferred F2F chat to SVC chat due to the practicality of F2F chat.
... This relationship presents a threat of mistreating the customer or providing inferior service through bad presentation, miscommunication or poor service quality. All these factors threaten the brand, reputation and, most importantly, the trust relationship between the user and bank or payment provider [26], [27]. ...
... Its number of monthly active users has increased to 549 million, and WeChat payment users also reached 400 million by the end of the 1st quarter in 2015 [10]. Because online payments and using social networks are two of the most popular applications used daily on smartphones, the reasons for WeChat payment's wide usage deserves in-depth study [50]. There are many techniques in the literature that can be used to analyse such behaviour patterns, and the Technology Acceptance Model (TAM) [12] is one of the leading approaches. ...
WeChat payment has recently become a popular mobile payment service in China by bundling with WeChat, the most popular social network service in China. It is interesting to investigate the reasons for its popularity. In this research, we applied the technology acceptance model to predict its acceptability and to identify variables attributing to its popularity. In addition to the primary explanatory variables, i.e., Perceived Ease of Use and Perceived Usefulness, the proposed framework is further extended to include the constructs of Social Interaction, Trust, Perceived Enjoyment and Use Context. The results indicated that the proposed model is able to explain the variance in a user’s intention to use WeChat payment service. We hope this study can provide insights into understanding the adoption behaviour of socially aware mobile payment services.
... The active users of Tenpay was 200% higher than that of Alipay. The number of active users is the major reason Tencent developed the QQ and WeChat instant messaging platforms, which were offered as free downloads (Rong, Ouyang, Chen, & Xiong, 2015). ...
A mobile payment solution allows users to pay for a wide range of products and services by accessing their virtual wallets via their Internet-connected mobile phones. The use of such an innovative payment process has been on the rise in Mainland China, in which Alibaba and Tencent are considered the market leaders. As this payment solution has become the major payment mode preferred by residents of China, businesses may suffer from the risk of overreliance if the service becomes unavailable depending on the regulations imposed by the Chinese government. In this study, five operation department heads of a large-scale online travel agency in Shenzhen were conducted. This study aims to understand the current situation, including the level of reliance, presence of alternative payment solutions, negative impact of the possible absence of these solutions, and contingency plans in risk management.
... China is commonly known as a highly collectivist country that is strongly influenced by Confucianism (Hwang, 1998;Lu et al., 2011;Park and Luo, 2001). Prior studies have confirmed that social influence strongly affects the use of social media in China (Chang and Zhu, 2011;Lien and Cao, 2014;Qu et al., 2015;Zhou and Li, 2014). Social influence theory is useful for explaining how groups of users are keen on using online social technologies (Cheung and Lee, 2010). ...
Social influence is an important research topic in the technology acceptance literature, in particular for social media. Prior empirical studies have for the most part employed social influence theory to investigate user intentions to continue with social media, while culture driven theories have been neglected. Rather than using social influence theory, we introduced guanxi theory to explore how guanxi social mechanisms (or processes) influence Chinese users’ continuance intentions in WeChat. Specifically, we developed a model that examines the role of guanxi as manifested by renqing, mianzi and ganqing in perceived usefulness, perceived enjoyment and continuance intention in WeChat. A survey research method was adopted to test the proposed hypotheses. This study found that ganqing has a positive impact on perceived usefulness and continuance intention. Mianzi exerts a negative effect on continuance intention but exhibits a positive effect on perceived usefulness. Renqing was found to have no significant impact on perceived usefulness and continuance intention. Our study advances the Technology Acceptance Model (TAM) by introducing guanxi-based constructs in a Chinese mobile social-messaging application context. Our study also offers alternative insights on guanxi-based social influence processes in the Chinese technology acceptance literature.
http://www.sciencedirect.com/science/article/pii/S073658531630524X
Purpose
This study aims to explore the factors influencing the adoption of social media payment platforms (SMPPs) and examines the interrelationships among these factors.
Design/methodology/approach
A systematic literature review identified 31 key adoption factors. Using social network analysis (SNA), we mapped and analyzed the interrelationships among these factors. Additionally, we used the Delphi technique to validate and assess their impact.
Findings
The study reveals that perceived usefulness emerges as the most critical factor driving the adoption of SMPPs. Moreover, the SNA highlights significant interdependencies among factors, providing deeper insights into the ecosystem of SMPP adoption.
Research limitations/implications
The findings offer practical guidance for users and socially innovative companies in decision-making related to SMPP adoption. Additionally, the study identifies avenues for future research, particularly in leveraging network-based methodologies for service management research.
Originality/value
This study is the first to apply SNA tools in the context of SMPPs, offering a novel methodological perspective and advancing the understanding of adoption dynamics in this emerging field.
Mobile payment has become popular in China recently. However, China’s population is aging rapidly at the same time. Therefore, it is necessary to explore factors that can affect the elderly to accept mobile payment. By adding two constructs of trust and social influence, this study proposed an extended TAM, and a questionnaire survey was conducted among the Chinese elderly. Structural equation modeling (SEM) was used to analyze the data. Results show that the model explains 77.3% of the variance in behavioral intention. Besides, perceived usefulness and social influence significantly and positively affect behavioral intention, while trust does not. This result demonstrates that what matters is the usefulness and influence from important others, but not the promise provided by mobile payment platforms. Based on the results, this study provides suggestions for the future development of mobile payment.
Various social media products concentrate differently on social media affordances to meet the needs of users. When designing social media products, understanding the value of each social media affordance is crucial to realizing commercial success. This study aims to expand the limited understanding of social media affordances from the perspective of users’ monetary valuations. An in situ investigation was conducted among 39 users to estimate the value of eight social media affordances. We tracked participants’ daily social media usage and assessed how they valued each affordance every day for two weeks. We contrasted the difference between willingness to accept (WtA) and willingness to pay (WtP) when making monetary valuations. Furthermore, we examined how perceived social capital and social media addiction influenced users’ valuations of each affordance. The results showed that affordances like Conversation and Instrument were most valued. Affordances like Identity, Presence, and Reputation were least valued, but they were associated with addiction. These findings can be used as guidelines on what affordances should be concentrated on when designing the commercial strategies of social media products. They also identified which affordances should be controlled to prevent users from suffering social media addiction.
This paper explores the potential of a social media platform, WeChat, for adding value to qualitative data collection in research on tourism experiences. This manuscript details how WeChat provides a unique opportunity for researchers to collect rich in-depth qualitative data without physical immersion into sampling. Additionally, WeChat encourages sustained interaction between the researcher and the subject to enhance the depth of the data collected to answer theoretically driven research questions and ensure the data collected trustworthy. A conceptual model of WeChat-mediated data collection within memorable tourism experiences (MTEs) research is presented. This manuscript contributes to an emerging scholarly debate on the collection and interpretation of tourism qualitative data in a society where interaction has become increasingly mediated through social media. Future research should focus on studies which assess the efficacy of comparable social media platforms for conducting internet-mediated research in tourism.
Prior research was perused the technology usage on limited factors; our aim is to investigate factor to adumbrate e-ticketing systems accuracy with further improvement and successive usage in the context of Bangladesh. To do so, we designed a research model with the integration of Technology Acceptance Model (TAM), Theory Planned Behaviour (TPB), trust theory, time-saving theory and cognitive framework. Survey data were amassed from the different profession of consumers who are using e-ticketing system; 145 valid data were tested the research model to find structural relationship and hypothesis result by using Partial Least Squares (PLS). Cognitive ability has a significant impact on time-saving and trust to purchase the ticket on Internet, while a wispy impact has cited between cognitive ability and perceived usefulness. In addition, trust has positively influenced on attitude towards of buying an online ticket, and time-saving has a positive relationship with TAM. Moreover, the study assists e-ticketing authorities and individual consumer to understand which factor gradually affects the progressive usage of e-ticketing.
Purpose
The first purpose of this study is to investigate factors that are likely to influence user’s intention
to adopt third-party mobile payment platform. A comprehensive study of mobile payment
services has used various variables to explain user’s use intention based on the theory of reasoned
action (TRA) or the theory of planned behavior (TPB). Variables such as simplicity, security, costs,
relative advantage, individual mobility, subjective norm, trust, satisfaction, attitude towards use,
perceived usefulness, perceived ease of use and so on. Among these factors, we expect to find
out the most influential factors effecting user’s use intention of the third-party mobile payment
services. Second, we also examine whether the most influential factors have the same influence
on different third-party mobile payment services by conducting a comparative study of Alipay and
WeChat Pay.
Design/methodology/approach
Empirical data for this study were collected from Chinese who have the experience using or have
used Alipay or WeChat Pay. Participants needed to be familiar with Alipay or WeChat Pay because
such users may be more aware of both the advantages and disadvantages of Alipay and WeChat
Pay. We conduct a pilot test using Smart PLS 2.0, which includes 50 Alipay users and 82 WeChat
Pay users. The result indicates that all the measurement fit for the context. And then 980
questionnaires were mainly sent out to the college students and the e-mails users randomly. To
encourage participation, we give the participants a small gift as a present. Finally, we received
a total of 683 replied. Data from respondents who gave incomplete or invalid answers were
excluded to assure the validity of the constructs. 79 questionnaires were rejected, finally the valid
data are 604 (with 372 Alipay users and 232 WeChat Pay users).
Findings
The results suggest that users’ intention is determined by their trust on third-party mobile payment
service and perceived usefulness of use. Comparative study results also indicated that the factors
have different influence on Alipay group and WeChat Pay group, which offers a new aspect for
academic field, and provides useful information to mobile payment service providers in China.
The technological advancements in Internet speeds, increased computing power and smart phones have pushed the rise of new digital methods supporting mobile person-to-person (P2P) payments. Despite the growing interest in these new methods, we believe that, to fully enable this increasing rise of digital wallets, there is the need for tools helping a person in judging the risk of a money transfer. For this purpose, this paper aims at exploiting social network connections. This is achieved by making payers/payees able to state their trust preferences with respect to the potential payees/payers. Trust preference evaluation requires to find social connections between a payer and a payee across, possible, different social network realms. We therefore propose a light cryptography protocol, specifically targeted to mobile P2P payments, that besides providing good performance, ensures user information privacy.
Computer systems cannot improve organizational performance if they aren't used. Unfortunately, resistance to end-user systems by managers and professionals is a widespread problem. To better predict, explain, and increase user acceptance, we need to better understand why people accept or reject computers. This research addresses the ability to predict peoples' computer acceptance from a measure of their intentions, and the ability to explain their intentions in terms of their attitudes, subjective norms, perceived usefulness, perceived ease of use, and related variables. In a longitudinal study of 107 users, intentions to use a specific system, measured after a one-hour introduction to the system, were correlated 0.35 with system use 14 weeks later. The intention-usage correlation was 0.63 at the end of this time period. Perceived usefulness strongly influenced peoples' intentions, explaining more than half of the variance in intentions at the end of 14 weeks. Perceived ease of use had a small but significant effect on intentions as well, although this effect subsided over time. Attitudes only partially mediated the effects of these beliefs on intentions. Subjective norms had no effect on intentions. These results suggest the possibility of simple but powerful models of the determinants of user acceptance, with practical value for evaluating systems and guiding managerial interventions aimed at reducing the problem of underutilized computer technology.
The purpose of this case study is to better understand the relationships between Web usability and students’ perceived learning in the design and implementation of Web-based multimedia (WBMM) tutorials in blended courses. Much of the current research in this area focuses on the use of multimedia as a replacement for classroom instruction rather than as a complement to teaching practices in courses that meet face-to-face. This study analyzed data collected from 41 undergraduate students who accessed a series of WBMM tutorials to learn Web design in an upper-level undergraduate information science course that combines both in-class and online instruction. We provide a descriptive analysis of student survey responses and apply Kendall’s rank correlation coefficient to examine significant relationships (p < 0.05) between usability factors and students’ perceived learning performance. We also explore the impact of WBMM on other aspects of the course, such as readings, email, office hours, and computer lab. Findings indicate that students responded favorably to most of the usability factors defined in this study and that course lectures and readings may have been enhanced by this virtual resource. In addition, we identified a significant correlation between usability factors of the WBMM tutorials and how students perceive their own learning. This study suggests that multimedia instruction is an effective approach to teaching Web design in blended learning environments that include both face-to-face and Web-based resources.
Despite the many expected benefits of Web services technology, some organizations are hesitating to adopt Web services on a larger scale and across their organizational boundaries. This article presents the findings from an exploratory study in the financial industry investigating the key factors preventing or slowing down the adoption of Web services technology, why these factors influence the adoption process, and what changes need to occur to promote Web services adoption. The findings are analyzed and discussed in the context of existing theories related to IS adoption and diffusion. The results suggest that the role of Web services is currently limited largely due to environmental factors, while XML based messaging is commonplace in the financial industry. The adoption of Web services is likely to substantially increase once some major players in the industry as well as IT vendors make them their key integration mechanism.
Valid measurement scales for predicting user acceptance of computers are in short supply. Most subjective measures used in practice are unvalidated, and their relationship to system usage is unknown. The present research develops and validates new scales for two specific variables, perceived usefulness and perceived ease of use, which are hypothesized to be fundamental determinants of user acceptance. Definitions for these two variables were used to develop scale items that were pretested for content validity and then tested for reliability and construct validity in two studies involving a total of 152 users and four application programs. The measures were refined and streamlined, resulting in two six-item scales with reliabilities of .98 for usefulness and .94 for ease of use. The scales exhibited high convergent, discriminant, and factorial validity. Perceived usefulness was significantly correlated with both self-reported current usage (r=.63, Study 1) and self-predicted future usage (r =.85, Study 2). Perceived ease of use was also significantly correlated with current usage (r=.45, Study 1) and future usage (r=.59, Study 2). In both studies, usefulness had a significantly greater correlation with usage behavior than did ease of use. Regression analyses suggest that perceived ease of use may actually be a causal antecedent to perceived usefulness, as opposed to a parallel, direct determinant of system usage. Implications are drawn for future research on user acceptance.
In a short span of time, less than 10 years, E-Commerce industry has observed a magnificent growth in some of the developed countries. However E-Commerce industry in developing countries like India is still lagging behind to satisfy the challenging and dynamic needs of consumers. E-Commerce websites are considered as face or representatives of their respective companies. A well designed website is considered as successful website. It is designed in such a way so that it can satisfy user needs. Hence to have an optimized, updated and structured website is the ultimate goal for all E-Commerce organizations now days. In this regard we are going to discuss improved mining strategies which are required to maintain optimized website structure which in turn is helpful for businesses to increase their revenues, to keep check on competitor's websites, comparison of various brands, attracting new customers and to retain the old customers.
The uncertainties of transaction handling and consumer perception toward risk have been identified as some of the major problems causing consumers’ hesitance toward taking advantage of online payments. With the ever-growing implementation of trusting mechanisms for online payments, consumer confidence has greatly increased. This research explores the elements of perceived risk and trust – the two most vital factors influencing consumer behavior of online payment – in the relatively mature stage of China’s online payment environment. It also analyzes and classifies perceived risks of different nature into two categories: systematic perceived risk and transactional perceived risk according to their different roles in affecting consumer trust. Specifically, we propose a conceptual model of trust and specific risk facets as well as two new constructs of comparison and evaluation, based on the framework of TRA, TPB, TAM and DTPB. The proposed model was empirically tested using data gathered from 870 respondents in Shanghai and Macao, China, most of whom belong to the younger generation. The results show that in the current stage of China’s online payment, consumers have built up trust first as an antecedent of their perceived risks. Moreover, perceived total risk is negatively related to trust while perceived risks can be classified into two types: system dependent risk which is positively related to trust and transactional risk which is negatively related to trust. This article concludes with implications for academia and practitioners.
Purpose
– The purpose of this study is to analyse the impact of perceived enjoyment in advertising response in online social networks (OSN). The authors propose and test a structural model explaining response to OSN advertisements embracing perceived enjoyment, social influence and advertising-related variables.
Design/methodology/approach
– Data were gathered through the application of a structured questionnaire to a sample of 126 students of the same scientific area (marketing and communication studies).
Findings
– The results validate the proposed model and support nine out of ten hypotheses. The study supports the role of perceived enjoyment as a predictor of both social identity and group norms. Furthermore, social identity and group intention have a positive impact on perceived advertisement relevance. Finally, group intention towards advertisements and perceived advertisement relevance have a positive impact on perceived advertisement value, which in turn impacts positively on response to OSN advertisements.
Research limitations/implications
– The main limitation relates to the fact that the study mainly covered a population aged between 18-35 years old. Despite its relevance as a segment of OSN users, some caution needs to be taken in generalizing findings to a broader population.
Practical implications
– These results provide important indications for firms aiming at fully exploiting the computer-mediated communication of OSNs. Specifically, we confirm the role of perceived enjoyment in reinforcing group dynamics and shaping group intentions towards advertising.
Originality/value
– The main contribution of this study lies in the focus on perceived enjoyment as a predicting variable of social influence and advertising variables, thus impacting response to OSN advertisements.
The cause of repetitious failures of IT projects has become a complicated puzzle for the managers, experts, and researchers of the IT field. According to the World Bank reports, only 15% of the IT projects in the Middle East are successful, while 35% are failed and 50% have achieved to just some parts of their predetermined goals. Does the main cause of such a failure have to be searched in the technological weaknesses? If so, why the procedure of implementing e-government in England has disappointed the British citizens? And why in country like Japan, the people are still worried about the online payments despite Japanese technological developments? The cause of repetitious failures of IT projects has become a complicated puzzle for the managers, experts, and researchers of the IT field. According to the World Bank reports, only 15% of the IT projects in the Middle East are successful, while 35% are failed and 50% have achieved to just some parts of their predetermined goals. Does the main cause of such a failure have to be searched in the technological weaknesses? If so, why the procedure of implementing e-government in England has disappointed the British citizens? And why in country like Japan, the people are still worried about the online payments despite Japanese technological developments? Obviously, lots of factors play role in success or failure of IT projects. These factors have to be studied in different areas of the research. The researches and studies in European countries imply that the most effective factors on the success and failure of the online payment systems are the technological, economic, and human factors. Accordingly, we conducted a filed study to evaluate the factors that play important roles in the acceptation of the online payment system in Iran. According to the obtained results, the factors such as the security and the culture of application of such systems are key and vital factors, though unfortunately, they have not been paid enough- attention in our country.
Although mobile-related technologies are widely accepted in today's society, mobile payment in Virtual Social Networks (VSN) is not among the most widely used mobile services. This paper analyzes users’ acceptance of mobile payment in VSN. In order to analyze the level of acceptance of this technology, as well as the factors that determine its use by consumers, we have introduced a modification of the classical technological acceptance models (TRA and TAM). Thus, the study proposes and tests an integrated theoretical model, which establishes the relative importance of the key factors (external influences, ease of use, usefulness, attitude, trust and risk) in terms of the acceptance of the mobile payment system in VSN. It also analyzes the eventual moderating effect of users’ experience with similar tools. The empirical results show that the proposed behavioral model (named MPAM-VSN) is accordingly adjusted, thus showing that previous experience increases intention of use. Finally, the results obtained in this study reveal interesting implications for the diffusion of mobile payment systems in VSN.
Retaining users and facilitating their continuance usage are crucial for mobile payment service providers. Drawing on the information systems success model and flow theory, this research identified the factors affecting continuance intention of mobile payment. We conducted data analysis with structural equation modeling. The results indicated that service quality is the main factor affecting trust, whereas system quality is the main factor affecting satisfaction. Information quality and service quality affect flow. Trust, flow and satisfaction determine continuance intention of mobile payment. The results imply that service providers need to offer quality system, information and services in order to facilitate users' continuance usage of mobile payment.
This paper presents a qualitative study on consumer adoption of mobile payments. The findings suggest that the relative advantage of mobile payments is different from that specified in adoption theories and include independence of time and place, availability, possibilities for remote payments, and queue avoidance. Furthermore, the adoption of mobile payments was found to be dynamic, depending on certain situational factors such as a lack of other payment methods or urgency. Several other barriers to adoption were also identified, including premium pricing, complexity, a lack of critical mass, and perceived risks. The findings provide foundation for an enhanced theory on mobile payment adoption and for the practical development of mobile payment services.
The growing popularity of the Internet has resulted in exciting opportunities for companies to reach out for customers with very little additional costs. In order to communicate with the potential customers through WWW effectively, a well-designed Web page is needed. Yet, the factors that affect customer's perception about the acceptance of a Web site are unclear. This paper addresses why users accept or reject a Web site and how user's acceptance is affected by the features (i.e. information quality of a Web site, response time and system accessibility) provided by a Web site. A study with 139 users of a Web site was conducted to test the hypothesised model. The results showed that the technology acceptence model (TAM) fully mediated the usage behaviour even in the Internet environment, accounting for 64% of the variance in usage. Furthermore, response time of a Web site is an important factor in affecting the user's beliefs of such a Web site. This showed that Web page providers not only have to make the content informative and timely, but they also need to design a speedy Web page by not putting in unnecessary pictorial data as it might jeopardise the display time.
Unlike traditional technologies, the use of mobile technology is exposed to shifting use contexts. Use context has frequently been described as an important factor influencing the adoption of mobile innovations. However, empirical evidence about the impact of use context is limited. This paper investigated the effect of use context on the formation of users’ perceptions of mobile hedonic services by using mobile gaming as an example. Through the employment of structural equation modelling technology, an adoption model of mobile gaming is proposed and assessed based on results from 267 questionnaires. The results show that use context is the strongest predictor of mobile game adoption. It directly or indirectly affects all different perceptions of mobile gaming in significant ways, including perceived ease of use, perceived usefulness, perceived enjoyment, cognitive concentration, attitude and behavioral intention. Additionally, perceived usefulness, perceived enjoyment and cognitive concentration all have a positive influence on the attitudinal variables of mobile game acceptance. We concluded that the formation of people’s perceptions about mobile gaming is conditional and based on the special consideration of certain use contexts. Both theoretical and practical implications are discussed.
Insights of china mobile payment (wechat, alipay) users
- C Team
echat, weibo or alipay? who won hongbao war in 2015?
- C Team
Multivariate data analysis, 6th Edition
- J F Hair
- W C Black
- B J Babin
- R E Anderson
- R L Tatham