The Adoption of Mobile Payment Services for "Fintech"

Y. Kim · Jeongil Choi · Y.-J. Park · Jiyoung Yeon

186 citations0/0 files storedInternational Journal of Applied Engineering Research

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Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

This paper examined the acceptance of payment-type Fintech services of users by utilizing the Elaboration Likelihood Model by Petty and Cacioppo [1] and by applying variables associated with the Technology Acceptance Model. In addition, it analyzed the causal relationship between concern for information privacy and self-efficacy by adopting them as moderating variables. Results suggested that usefulness, ease of use and credibility had an effect on intention to use, and self-efficacy was found to have an moderating effect on independent and dependent variables. Further, concern for information privacy was found to be a factor obstructing the path to intention to use. The implications of this study are that in the promotion of payment-type Fintech services, convenience and usefulness are the most critical and influential variables in terms of usage, while government deregulation and stronger security are called for from an institutional aspect.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 1999Self-Efficacy: The Exercise of Control 2003User Acceptance of Information Technology: Toward A Unified View1 2015Communication and Persuasion: Central and Peripheral Routes to Attitude Change 2000Consumer trust in an Internet store 2006Influence Processes for Information Technology Acceptance: An Elaboration Likelihood Model1 2009Understanding consumer acceptance of mobile payment services: An empirical analysis 1995The effects of self-efficacy on computer usage

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