A Research On The Influencing Factors Of NFC Mobile Payment Adoption

The War of Red Packets between Alipay and Wechat Payment brought the fights in mobile payment area into consumers’ sights.The core center of those fights is users.All participants in fights do their best to win as many users as they can.It is obvious that users have a strategic importance that is essential for winning.Mobile payment can be divided into remote payment and NFC payment.Remote payment has developed so well these years that most users have formed a habit of paying by remote payment products such as Alipay and Wechat Payment.Remote payment adoption researches are abundant and are in depth.However,contrarily,neither the promotion nor relevant researches of NFC payment has a good development.In conclusion,this research on user’s adoption influencing factors on NFC payment has importance not only in theoretical area but also in practical promotion.This research bases on previous researches to conclude the influencing factors from two aspects:the UTAUT model and the user’s individual characteristics.This research collects data using questionnaires and analyzed data using AMOS.Last but not least,this research forms research conclusions from the analysis results.It is proved that performance expectancy,effort expectancy,social influence,individual innovativeness,risk appetite and trust propensity all have positive effects on NFC users’ use intentions.This research puts forward some relevant suggestions according to the research results,hoping they would do some help to promote NFC payment.