Abstract
In recent years, mobile payment has become widespread and has become a major payment method for many consumers in China. Products purchased mainly through mobile terminals are settled and settled through mobile payment platforms. The number of mobile payment users in China continues to expand. The volume of mobile payment transactions in China continue to increase in recent years. The scale of mobile payments in China is 432.2 trillion yuan in 2020. Technological innovation has revolutionized business models, and mobile commerce is increasingly accepted and recognized by the public. Mobile payment is an important process and key link in mobile commerce. Mobile payments have great potential and a wide market. As the number of users and frequency of use increases, the volume of mobile payment transactions will continue to grow in the future. In this context, the purpose of this study is to examine the effect of China's electronic payment service characteristics on user behavior. The purpose of this study is to explore the relationship between the electronic payment service and user behavior through an empirical analysis of the electronic payment service characteristics based on the theoretical background of the electronic payment service characteristics. This is to ensure that the electronic payment service continuously adapts to the needs of society along with economic development and finds defects in the electronic payment service in a timely manner. In this paper, the factors of electronic payment service characteristics were selected by analyzing the existing research results. In this study, SPSS 23.0 was used for basic statistics. SmartPLS 4.0 statistical package was used. for hypothesis testing. A survey was conducted with 270 people using an online survey in China. There are convenience, security, reliability, and responsiveness, which are characteristics of electronic payment service. They had a significant effect on user attitude. User attitude and user behavior had a significant effect.
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