Abstract
With the development of mobile communication technology and the wide application of intelligent devices, mobile payments with great commercial potential have been born. However, the penetration rate of mobile payment is not satisfactory. In order to explore user acceptance of mobile payments, this study proposes a new research model based on the technology acceptance model, which integrates the characteristics of mobile payments (i.e., mobility) and inhibiting factors (i.e., risk and cost). Partial least squares was performed to analyse measurement and structural models on the data collected from 245 survey samples. The results indicated that perceived mobility has a positive and direct impact on perceived ease of use and perceived usefulness, as well as an indirect impact on adoption intention; however, perceived risk and perceived cost negatively affect a user’s intention to use mobile payments. Finally, the research provides empirical evidence for practitioners to enhance the adoption of mobile payments.
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