A Study on the Influence of Personality Traits (BIG-5) on Trust and Behavioral Intention of Mobile Convenient Payment Service

Abstract

Objectives: This study is intended to verify the correlation between behavioral intention and trust of mobile convenient payment service as well as personality traits of individuals when they use the service applied with new technology and to clarify how each factor of BIG-5 personality traits influences on them. Methods/Statistical Analysis: This study is intended to identify the correlation between personality and gender and also between the behavioral intention of mobile convenient payment service and trust on service from personality. Afterwards, it is to verify a mediating effect of trust on service in the correlation between personality and behavioral intention of mobile convenient payment service. Findings: This study has verified whether there was a difference of personality traits of individuals depending on the gender. As a result, it was confirmed that neuroticism and extraversion turned out to be higher among women than men in the statistically significant level. Afterwards, this study has verified the correlation between personality traits of individuals and behavioral intention of mobile convenient payment service and clarified that conscientiousness and neuroticism were positively related with each other. This was against the general view that neuroticism might be negatively related with acceptance of new service. Therefore, this study was very meaningful to prove that the higher the neuroticism was among users, the more they resisted continuing to use traditional payment media, and the more they preferred to accept mobile convenient payment service. Improvements/Applications: When considering the correlation between gender and personality, women turned out to have a higher level of neuroticism than men, and neuroticism positively influenced on behavioral intention of mobile convenient payment service. Therefore, it is expected for them to be usefully utilized in the practical work. Keywords: Behavioral Intention, BIG-5, Fin-Tech, Mobile Payment, Trust, UTAUT

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