Title: Understanding consumer adoption of mobile commerce and payment behaviour: an empirical analysis

Authors: Wan-Rung Lin; Yi-Hsien Wang; Kuang-Husn Shih

Addresses: Department of Banking and Finance, Chinese Culture University, No. 55, Huagang Rd., Shilin Dist., Taipei City 111, Taiwan ' Department of Banking and Finance, Chinese Culture University, No. 55, Huagang Rd., Shilin Dist., Taipei City 111, Taiwan ' Graduate School of Banking and Finance, CTBC Financial Management College, No. 600, Sec. 3, Taijiang Blvd., Annan Dist., Tainan City 709, Taiwan

Abstract: This study explored experts' views using the analytic network process and investigated consumers' usage of mobile payment using structural equation modelling. This study included two stages: the determinants of consumers' use of mobile commerce, and their act of payment. The expert questionnaire survey found that security concerns and privacy concerns are the most important factors, especially whether authorised personal information can be highly protected. In terms of the key factors influencing consumers' use of mobile payment, consumers expect to improve availability through the perfection of mobile payment content. However, a higher content integrity means greater complexity. While security and privacy concerns are improved, negative emotion may be caused. Finally, a comparison of the results found that 'security and privacy concerns' are regarded as most important by consumers and experts; however, they have different views in other aspects. The findings can serve as a reference for the industry, government, and academia as well as relevant manufacturers, to build a mobile payment platform and develop related business and support measures.

Keywords: analytic network process; mobile commerce; mobile payment; structural equation modelling.

DOI: 10.1504/IJMC.2017.086880

International Journal of Mobile Communications, 2017 Vol.15 No.6, pp.628 - 654

Received: 11 Aug 2015
Accepted: 13 Jul 2016
Published online: 02 Oct 2017 *

Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article