The Influence Of The Perceptual Characteristics Of Mobile Payment Warning Information On Users' Risk Perception

The advantages of mobile payment's convenience,mobility and comprehensive service make its users varied.However,the irreversibility of the operation can easily lead to the loss of the user's property.It is unavoidable to start with objective technology alone.By changing the perceptual characteristics of environmental stimuli,individuals can guide the correct behavior and avoid operating omissions.According to C-HIP,attention is the first stage of user feedback to warnings.The perceptual characteristics of warnings interface are the most likely to arouse alertness.The shape,color,and size of objective are the easiest to be what the user is concerned about.Then,how do perceptual features such as shape,color,and size,as the factors most likely to affect warnings effect,affect users' risk perception?This study recruited 42 subjects to simulate the mobile payment process,and explored the perceptual characteristics of warnings through three experiments,including shape logo,background color,text size,and potential losses on user risk perception to remind users to implement correct behaviors.Select key-press response,total fixation duration,and fixation counts as dependent variables.In Experiment 1,participants were college students with rich experience in mobile payment.Behavioral response and eye tracking technology were used to explore the influence of warnings shape and potential loss on user risk perception.Experiment 1 is 2(shape: circle,triangle)× 2(potential loss: high,low)two factors repeated measurement experiment.The results found: The interaction effects of reaction time,total fixation duration,and fixation counts on the payment interface of shape logo and potential loss are significant,indicating that subjects stayed for the longest time in the triangle and high potential losses.In Experiment 2,participants were college students with rich experience in mobile payment.Behavioral response and eye tracking technology were used to explore the influence of warnings background color and potential loss on user risk perception.Experiment 2 is 2(background color: blue,red)× 2(potential loss: high,low)two factors repeated measurement experiment.The results found: the main effects of reaction time,total fixation duration,and fixation counts on the payment interface of background color and potential loss are all significant.In total fixation duration and fixation counts,the interaction effect of background color and potential loss are significant.It indicated that subjects stayed for the longest time in red background and high potential losses.In Experiment 3,participants were college students with rich experience in mobile payment.Behavioral response and eye tracking technology were used to explore the influence of warnings text size and potential loss on user risk perception.Experiment 3 is 2(warning text size:normal,larger)× 2(potential loss: high,low)two factors repeated measurement experiment.The results found: The main effect of the potential loss is significant in total fixation duration;fixation counts are significant.And in reaction time,total fixation duration and fixation counts,the interaction effect of text size and potential loss are significant.It shows that subjects stayed the longest when the text became larger and the potential loss was high.In the mobile payment simulation process of this research,conclusions can be drawn:(1)The perceptual characteristics of warnings will affect the user's risk perception.The triangle logo,red background color and bigger text can make users feel dangerous;(2)The high potential loss makes it easier for users to feel dangerous,so that they are more cautious in confirming mobile payment;(3)When the potential loss is high and perceptual characteristics of warnings are triangle shape,red background,and larger text size,users have the greatest risk perception.And they are more cautious and inclined to comply with confirmation payments.