Analysis on the Influencing Factors of Users’ Willingness to Use of Third-Party Mobile Payment across the Straits

Abstract

In recent years, with the continuous development of the Internet and the popularity of smart mobile devices, people’s living and entertainment habits have changed greatly. The emergence and development of third-party mobile payment is one of the influencing factors. With the development of third- party mobile payment, the factors affecting the willingness to use third-party mobile payment will be constantly updated. This paper combines perceived value theory model and technology acceptance model, and selects perceived usefulness, perceived ease of use, perceived risk, social impact, personal innovation and perceived value as influencing factors to establish third-party mobile payment users’ use of a model of willingness. An effective scale was designed to analyze the data collected by descriptive analysis, reliability analysis, validity analysis and regression analysis. The effects of perceived usefulness, perceived ease of use and perceived risk on perceived value and the relationship between all factors and intention to use were analyzed. The final results show that perceived usefulness and perceived ease of use have significant positive effects on perceived value, while perceived risk has significant negative effects on Taiwan data, while perceived risk has no significant negative impact on perceived value in Chinese Mainland data. Perceived usefulness, perceived ease of use, social impact and personal innovation have significant positive effects on willingness to use. Perceived risk has no significant negative impact on willingness to use in Chinese Mainland data, but has a significant negative impact on willingness to use in Taiwan data. The article is organized as follows introduction, literature review, research design, empirical research results, analysis and summary. Finally, through the analysis of the willingness to use third-party mobile payment and its influencing factors and municipal research, this paper puts forward some personal suggestions to promote the development of third-party mobile payment.