An Empirical Study on the Impact of Perceived Benefit, Risk and Trust on E-Payment Adoption: Comparing Quick Pay and Union Pay in China

Yanli Pei · Shan Wang · Jing Fan · Min Zhang

27 citations0/0 files storedInternational Conference on Intelligent Human-Machine Systems and Cybernetics

No readable copy stored yet — this record is metadata only.

No open-access location is known for this record yet.

Literature note Cite in a project Citation map

Technology Adoption and User Behaviour Privacy, Security, and Data Protection Health, Technology, Consumer Behavior

Abstract

To explain the adoption of two Online payment tools (Quick Pay, Union Pay Online), we use TAM and Trust Theories to extend the Valence Framework. Then we designed a questionnaire in accordance with the proposed model. With the data collected, we have discovered that perceived benefit and trust are the key factors determining users' adoption of e-payment tools, and users pay much less attention to perceived risk. Using the validated and modified model, we explained the adoption of the mentioned two e-payment tools. Quick Pay is more popular than Union Pay because Quick Pay has better performance in ease access, usability, reputation and secure protection.

Paper brief

Loading…

Cite this work

Citation unavailable for this work.

BibTeX RIS CSL-JSON

No public copy is stored for this record, so only the metadata is cited.

Citations in this library

Citation map →

Stored only when both papers are in the corpus — 27 citations exist upstream.

References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1995An Integrative Model Of Organizational Trust 2008Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit 2003The diffusion of Internet banking among Singapore consumers 1975A Comparative Analysis of Three Consumer Decision Strategies 2014Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India

Cited by

2023Security, Risk and Trust in E-wallet Payment Systems: Empirical Evidence from Indonesia 2021Exploring the Factors that Have Impact On Consumers’ Trust in Mobile Payment Systems in Australia 2022Attitudes, Security, and Perceived Ease of Use Influence The Consumers' Decision to Use An E-payment System 2020MODERN FINTECH DIRECTIONS IN THE BANKING SECTOR 2022

Explore the map →

Papers that cite the same references — the relational fallback while embeddings are still backfilling.

Imported from OpenAlex (CC0) — nothing here is generated.