Research On Users’ Acceptance Behavior On Mobile Payment

As 3G network and mobile internet becomes more and more popular, a large number of internet businesses, such as e-commerce, online games, SNS virtual community have emerged on various mobile smart phone platforms and gained wide popularity. And online payment, which is the most important part of the internet business among this huge wave, has started its root on all kinds of mobile terminals. It has been used in buses, super markets, shopping malls and door access control systems in our daily lives. Beside the development of the online payment technologies, the market for it is pretty profitable. China has over 900 million mobile phone users and over 300 billion mobile network users; there are great potentials for profits in this industry market. While the whole ecosystem is operating fluently, operators, banks and 3rd party payment service providers have many experiences in this area and spread great efforts. It is predictable that online payment would have a out-breaking development in the near few years.But as for the current development of technology and the market environment, there are many factors such as security and the complexity of its usage which shadows bad impression for consumers to accept it and their willingness of using it. So, it is necessary to do a research about what factors are affecting consumers’desires to use online payment. On the other hand, online payment business operation is still largely dependent upon policies, so how to make specialized strategies for effective business operation deserves great attention.In this background, I do a research from consumers point of view, aims to discover the factors affecting their acceptance of willingness of online payment. This thesis is based upon study of relevant documents and summarized by the writer, using TAM model while incorporated with innovative infusion theories and perceptive risks and etc. theoretical problems to build a research model for discovering the factors affecting consumers’ desires, acceptance and relevant effect from them. Besides, a detailed analysis and judge was carried out about the current online payment industry and its existent problems. With 277 questionnaires collected and statistical analysis, this thesis draws a conclusion as followings:relevant advantages, compatibilities, complexities are the factors affecting consumers’ acceptance of online payment, while attitude in usage, innovation and perceptive risks are affecting their willingness to use it; more innovations do not guarantee positive effects on consumers’ attitude on online payment. Finally, with samples and analysis plus above industry judge and study, this essay comes to a specialized design for online payment promotion and come up with a traffic operation stratagem to increase traffic scale, raise traffic level and get to the point of stimulating consumers desires and willingness of using and experiencing online payment services.