Exploring the Users Behavior Intention on Mobile Payment by Using TAM and IRT

Abstract

The purpose of this study is to explore the willingness of consumers on using mobile payments through the Innovation Resistance Theory (IRT) and Technology Acceptance Model (TAM). The research subjects weretheTaiwan mobile payment users, distribute surveys by using purposive sampling method from online. A total of 430 surveys were issued, 363 valid surveys were collected and achieving84.41% effective response rate. Collected data were analyzed through the confirmatory factor analysis, structure equation model and descriptive statistics. The results of this study are as follows: The model of user's behavior intention on mobile payment by using TAM and IRT has good compatibility; Innovation Resistance has a significant negative impact on perceptual usefulness and perceived ease of use; Perceptual usefulness and perceived ease of use has a positive impact on the behavior intention; Perceptual barriers can effectively influence innovation resistance. This study found that the. mobile payment users are negatively impacted on Innovation Resistance. The TAM is positively affecting the subsequent behavior intention, it can establish a brand image and increase consumer confidence in mobile payments.