Research On Uesr Acceptance Behavor Of Payment Function In Mobile Social Software

Promoted by the developing mobile communication technology, rapid popularization of the mobile terminal equipment as well as constantly updated third party applications, Mobile Internet Economy has gained ground and developed dramatically in recent years. Mobile internet, with universality, convenience and immediacy, commendably make up the inflexibility which impeded the development of financial services industry under traditional internet environment, hence mobile banking especially mobile payments can be widespread and generally accepted. Meanwhile, with enormous users, high-frequency daily use and reliable user viscosity, mobile social software pervades every aspect of our lives. To associate mobile payment with mobile social networking is critical for sustainable development of internet economy, which inevitably draws much attention from researchers. Empirical research on factors affecting the user acceptance to payment functions in mobile social software is of theoretical and practical significance.Based on large amount of reference to papers concerning user acceptance and mobile business, the Unified Theory of Acceptance and Use of Technology was employed as the fundamental model in the research, In addition, the mobile social software developments, as well as variables like Individual Innovation, Risk Perceived and Hedonic Motivation are all taken into consideration to construct of user’ acceptance behavior model on payment functions in mobile social applications without regard for those stimuli. The questionnaires were issued to collect data. The software SPSS 22.0 were utilized for descriptive statistical analysis, and reliability and validity testing, while AMOS 22.0 for Structural equation modeling hypothesis path validation.The main results are as follows:(1) The use intention can commendably predict the practical use behavior about the payment functions in mobile social applications;(2) The Effort Expectancy, Performance Expectancy, hedonic motivation and Social Influence have significant positive influence on use intention;(3) Perceived Risk dramatically depresses use intention;(4) Individual Innovation showed no obvious impact on use intention, but it could affect use intention via Performance Expectancy. With foregoing analyses and practical development, some advice and suggestions are offered like enlarging the payment scenarios in big and medium cities and reassuring the payment environment.