Why do you use a smartphone to pay? Determinants of mobile payment adoption in China

Abstract

Abstract Mobile phone users are increasingly adopting mobile payment technologies. Previous studies about mobile payments rarely consider customer psychological and market environmental factors. This article explores the mobile payment adoption issue based on a model integrating variables from the technology acceptance model (TAM) and the innovation diffusion model (IDT), as well as risks, social influence and internet experience, taking into account the circumstances of the Chinese market. Our analyses of a random sample of 922 mobile users show that these factors significantly impact the adoption of mobile payment in China. The degree of their influence and functions vary between mobile users who have mobile payment experience and others without such experience.

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