Study On Trust Factors For Mobile Commerce Adoption

Following the success of the electronic commerce and the development of the wireless network and mobile communication, mobile commerce began to exhibit its advantage in the world, and attracted many scholars to study it. The value of the m-commerce goes up with indexes. China is the country which has the most cell phones in the world, but the huge potential wasn't mined, and mobile commerce in China developed slowly and most of the application of the m-commerce wasn't accepted. According to the study of the e-commerce, trust is the key factor which affects consumers to adopt e-commerce. So, according to the context of the m-commerce, our study proposed a factor which affects the development of the m-commerce—trust, and then validate the relationship between trust and consumers adoption in the context of the m-commerce.The purpose of our study is to propose several trust antecedents, validate them and then confirm the relation between trust and consumer adoption in m-commerce. First, our study would find out the factors which affected consumers trust by reading the trust literatures in the context of the e-commerce. And then according to the trust literatures in the context of the m-commerce, our study proposes trust antecedents which include technology trust, service provider trust and institution-based trust in the context of the m-commerce. Then we will set up two models based on trust antecedents and TAM, propose several hypothesis. To gather data, a questionnaire was developed based on prior literature and our targets are these people who are using the mobile banking service. In the end, we use the LISREL and SPSS to test our hypothesis and models.As the data analysis show us, service providers ability, integrity and benevolence are affect trust positively and technology trust and institution-based trust are affect trust positively; Consumers trust also affect consumers adoption intention in the context of the m-commerce. Comparing with the m-commerce trust model and the m-commerce adoption model, we know that the total variance explained of the adoption intention was increased by adding the perceived usefulness. This result corroborates the findings of previous research on trust and adoption intention in m-commerce.