Research On E-commerce Mobile Payment

The world witnessed a rapid growth in the e-commerce in the recent years.Widespread use of mobile devices in the e-commerce has a role in this augmentation.The advent of mobile payment has brought a mixed reaction in the mind of potential consumers on whether to adopt or not.Also,the mobile payment has elicited discussion about its future.The growth of mobile commerce depends on widely accepted mobile payment systems.However,this trend is not well experienced in developing countries like Democratic Republic of Congo.Even though consumer some how benefited from the rapid growth in electronics commerce and use of mobile devices in e-commerce,they still hesitate to effectively employ in their day to day transactions.Therefore,many companies that want to invest in the mobile payment system need to know the factors affecting a rapid adoption to a new payment technology.In this thesis,we study the factors affecting mobile payment adoption by the consumer,based on secondary data and used the technology acceptance model.We provide a clear linkage of factors such as environmental risk,reputation,trust,perceived usefulness,ease of use and mobility in influencing potential consumer attitudes and intention to use mobile payment.According to empirical analysis based on data secondary were surveyed online through convenience sampling method.A research model was developed and proposed relationships were tested using structural equation modeling.The empirical findings point out that perceived trust,perceived mobility and attitudes positively affect the adoption of Mobile Payment Systems;perceived usefulness and perceived ease of use have no effect on adoption of Mobile Payment System.Furthermore,perceived reputation is positively related to perceived trust and finally environmental risk is negatively related to perceived trust.