基于TAM和IDT模型的电子支付用户采纳行为实证研究
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摘要
随着中国电子商务的迅速发展,电子支付作为一种崭新的支付方式越来越被大众所接受。本文对国内外电子支付影响因素相关文献进行了分析和整理,基于TAM和IDT模型提出了电子支付用户采纳行为模型。选取以中国网民以及在校大学生为主要研究样本,使用结构方程对模型进行假设检验。研究结果支持了模型大多数假设,验证了所提出模型的有效性。通过对研究数据的分析得出了企业创新、社会影响等对我国电子支付发展的主要影响因素,并据此提出了相关建议。
With the rapid development of electronic commerce in our country, electronic payment is accepted by more and more people as a kind of new payment tool. This paper gives a summary of these researches on the influence factors of electronic payment and gets a new user adoption behavior model based on TAM and IDT model. This paper takes college students as study samples, and employs structural equation modeling to validate research model. The analysis supports most research hypotheses and verifies the effectiveness of our model. Through the analysis of the research data, we get the main influencing factors of enterprise innovation and social impact on the development of electronic payment in China, and put forward relevant suggestions.
With the rapid development of electronic commerce in our country, electronic payment is accepted by more and more people as a kind of new payment tool. This paper gives a summary of these researches on the influence factors of electronic payment and gets a new user adoption behavior model based on TAM and IDT model. This paper takes college students as study samples, and employs structural equation modeling to validate research model. The analysis supports most research hypotheses and verifies the effectiveness of our model. Through the analysis of the research data, we get the main influencing factors of enterprise innovation and social impact on the development of electronic payment in China, and put forward relevant suggestions.
引文
[1] 艾瑞咨询.2016年中国电子商务发展报告[EB/OL].[2016-12-22].http://dzsws.mofcom.gov.cn/article/dzsw/tjjc/201706/20170602591881.shtml.
[2] 中国互联网信息中心.第41次中国互联网络发展状况统计报告[R/OL][2018-01-30](2018-02-09).http://cnnic.cn/gywm/xwzx/rdxw/201801/t20180131_70188.htm
[3] 周蓓婧,侯伦.基于TAM和IDT模型的网络购物参与意愿研究综述[J].管理学家,2011,11(1):3.
[4] PAVLOU,PAUL A.Consumer acceptance of electronic commerce:integrating trust and risk with the technology acceptance model[J].Information & Management,2003,39(8):705.
[5] RAHMAN M F.LESCH W J.HORREY L.Strawderman,assessing the utility of TAM,TPB,and UTAUT for advanced driver assistance systems[J].Accid,2017,108(9):361.
[6] CASS A,FENECH T.Web retailing adoption:exploring the nature of Internet users web retailing behavior[J].Journal of Retailing and Consumer Service,2003,10(2):81.
[7] CHILDERSW T L.Hednic and utilitariam motivations for online retail shopping behavior[J].Journal of Retail,2001,(77):511.
[8] KIM C,MIRUSMONOV M,LEE I.An empirical examination of factors influencing the intention to use mobile payment[J].Computers in Human Behavior,2010,26(3):310.
[9] ZHOU T,LU Y,WANG B.Integrating TTF and UTAUT to explain mobile banking user adoption[J].Computers in Human Behavior,2010,26(4):760.
[10] LEE W.The effect of information overload on consumer choice quality in an on-line environment[J].Psychology & Marketing,2004,21(3):159.
[11] JUNADI S.A model of factors influencing consumer’s intention to use e-payment system in Indonesia[C].Proc Comput Sci 59,2015:214.
[12] ROGERS E M,The diffusion of innovation[M].(fifthed).New York:Free Press,2003:157.
[13] SIREGAR J J,ARYUSMAR R A.PUSPOKUSUMO.The analysis of technology acceptance model in implementing knowledge management for small medium sized enterprises (SMEs) in a creative industry base on mobile application[C].2018 International Conference on Engineering,Applied Sciences,and Technology(ICEAST).2018:1.
[14] DAVIS F D.Perceived usefulness,perceived ease of use,and user acceptance of information technology[J].MIS Quarterly,1989,13(3):319.
[15] LUARN P,LIN H H.Toward an understanding of the behavioral intention to use mobile banking[J].Computers In Human Behavior,2005,21(6):873.
[16] DAVIS F D F.Perceived usefulness,perceived ease of use,user acceptance of information technology[J].MIS quarterly,1989,13(3):319.
[17] MARTIN K.The penalty for privacy violations:how privacy violations impact trust online,”Journal of Business Research[J].2018,82(1):103.
[18] GEFEN D,KARAHANNA E,STRAUB D W.Trust and TAM in online shopping:an integrated model[J].MIS Quarterly,2003,27(1):51.
[19] FARIVAR S,TUREL O,YUAN Y.Skewing users’ rational risk considerations in social commerce:an empirical examination of the role of social identification[J].Information & Management,2018,5(2):1605.
[20] PAVLOU P A.Consumer acceptance of electronic commerce:integrating trust and risk with the technology acceptance model[J].International Journal of Electronic Commerce,2003,7(3):69.
[21] CHEND L,TAN J.Technology adaptation in e-commerce:key determinant of virtual stores acceptance[J].European Management Journal.2004,22(1):74.
[22] LU J,WEI J,YU C,et al.How do post-usage factors and espoused cultural values impact mobile payment continuation[C].Behav.Inf.Technol,2016:1.
[23] BHATTI H,ABARESHI A,PITTAYACHAWAN S.An evaluation of customer repurchase behaviour in mobile telecommunication services in Australia[J].IEEE IEEM.2016,11(3):602.
[24] HU T,ZHANG P,DAI H.what and how social commerce:developing an integrative formative model[C]//Beijing,3rd International Conference on Information Science and Control Engineering,International Conference on Information Science and Control Engineering (ICISCE):China.2016:748.
[25] HANSEN T,JENSEN J M.Predicting online grocery buying intentions:a comparison of the theory of reasoned action and the theory of planned behavior,International Journal of Information Management[J].2004(24):539.
[26] SCHMIDTHUBER L,MARESCH D,GINNER M.Disruptive technologies and abundance in the service sector-toward a refined technology acceptance model[J].Technol.Forecast.Soc.Chang.,2018,6(5):1.
[27] PRESTHUS W,OWEN N,MALLEY O,et al.Motivations and barriers for currency end-User adoption of bitcoin as digital currency[J].Procedia Comput.Sci.,2017(121):89.
[28] 艾瑞咨询.2016年中国电子支付行业研究报告[EB/OL].[2016-10-28].http://www.docin.com/p-1336828539.html.
[29] HAIR J F,ANDERSON,R E.Multivariate data analysis:with readings[M].New York:Macmillan,1992:1.
[30] 李晓青,林志扬.LMX中介作用下变革型、交易型领导有效性研究[J].重庆大学学报:社会科学版,2013,19(6):56.
[31] FORNELL C,LARCKER D F.Evaluating structural equation models with unobservable variables and measurement error[J].Journal of marketing research,1981:39.
[32] TOMARKEN A J,WALLER N G.Structural equation modeling:strengths,limitations,and misconceptions[J].Annual Review of Clinical Psychology,2005,1(1):31.
[33] 艾瑞咨询.2017上半年中国第三方移动支付市场研究报告[EB/OL].[2017-8-10].https://www.iimedia.cn/c400/53957.html.
[34] LIAO T H.Online shopping post-payment dissonance:dissonance reduction strategy using online consumer social experiences[J].International Journal of Information Management,2017,37(1):520.
[2] 中国互联网信息中心.第41次中国互联网络发展状况统计报告[R/OL][2018-01-30](2018-02-09).http://cnnic.cn/gywm/xwzx/rdxw/201801/t20180131_70188.htm
[3] 周蓓婧,侯伦.基于TAM和IDT模型的网络购物参与意愿研究综述[J].管理学家,2011,11(1):3.
[4] PAVLOU,PAUL A.Consumer acceptance of electronic commerce:integrating trust and risk with the technology acceptance model[J].Information & Management,2003,39(8):705.
[5] RAHMAN M F.LESCH W J.HORREY L.Strawderman,assessing the utility of TAM,TPB,and UTAUT for advanced driver assistance systems[J].Accid,2017,108(9):361.
[6] CASS A,FENECH T.Web retailing adoption:exploring the nature of Internet users web retailing behavior[J].Journal of Retailing and Consumer Service,2003,10(2):81.
[7] CHILDERSW T L.Hednic and utilitariam motivations for online retail shopping behavior[J].Journal of Retail,2001,(77):511.
[8] KIM C,MIRUSMONOV M,LEE I.An empirical examination of factors influencing the intention to use mobile payment[J].Computers in Human Behavior,2010,26(3):310.
[9] ZHOU T,LU Y,WANG B.Integrating TTF and UTAUT to explain mobile banking user adoption[J].Computers in Human Behavior,2010,26(4):760.
[10] LEE W.The effect of information overload on consumer choice quality in an on-line environment[J].Psychology & Marketing,2004,21(3):159.
[11] JUNADI S.A model of factors influencing consumer’s intention to use e-payment system in Indonesia[C].Proc Comput Sci 59,2015:214.
[12] ROGERS E M,The diffusion of innovation[M].(fifthed).New York:Free Press,2003:157.
[13] SIREGAR J J,ARYUSMAR R A.PUSPOKUSUMO.The analysis of technology acceptance model in implementing knowledge management for small medium sized enterprises (SMEs) in a creative industry base on mobile application[C].2018 International Conference on Engineering,Applied Sciences,and Technology(ICEAST).2018:1.
[14] DAVIS F D.Perceived usefulness,perceived ease of use,and user acceptance of information technology[J].MIS Quarterly,1989,13(3):319.
[15] LUARN P,LIN H H.Toward an understanding of the behavioral intention to use mobile banking[J].Computers In Human Behavior,2005,21(6):873.
[16] DAVIS F D F.Perceived usefulness,perceived ease of use,user acceptance of information technology[J].MIS quarterly,1989,13(3):319.
[17] MARTIN K.The penalty for privacy violations:how privacy violations impact trust online,”Journal of Business Research[J].2018,82(1):103.
[18] GEFEN D,KARAHANNA E,STRAUB D W.Trust and TAM in online shopping:an integrated model[J].MIS Quarterly,2003,27(1):51.
[19] FARIVAR S,TUREL O,YUAN Y.Skewing users’ rational risk considerations in social commerce:an empirical examination of the role of social identification[J].Information & Management,2018,5(2):1605.
[20] PAVLOU P A.Consumer acceptance of electronic commerce:integrating trust and risk with the technology acceptance model[J].International Journal of Electronic Commerce,2003,7(3):69.
[21] CHEND L,TAN J.Technology adaptation in e-commerce:key determinant of virtual stores acceptance[J].European Management Journal.2004,22(1):74.
[22] LU J,WEI J,YU C,et al.How do post-usage factors and espoused cultural values impact mobile payment continuation[C].Behav.Inf.Technol,2016:1.
[23] BHATTI H,ABARESHI A,PITTAYACHAWAN S.An evaluation of customer repurchase behaviour in mobile telecommunication services in Australia[J].IEEE IEEM.2016,11(3):602.
[24] HU T,ZHANG P,DAI H.what and how social commerce:developing an integrative formative model[C]//Beijing,3rd International Conference on Information Science and Control Engineering,International Conference on Information Science and Control Engineering (ICISCE):China.2016:748.
[25] HANSEN T,JENSEN J M.Predicting online grocery buying intentions:a comparison of the theory of reasoned action and the theory of planned behavior,International Journal of Information Management[J].2004(24):539.
[26] SCHMIDTHUBER L,MARESCH D,GINNER M.Disruptive technologies and abundance in the service sector-toward a refined technology acceptance model[J].Technol.Forecast.Soc.Chang.,2018,6(5):1.
[27] PRESTHUS W,OWEN N,MALLEY O,et al.Motivations and barriers for currency end-User adoption of bitcoin as digital currency[J].Procedia Comput.Sci.,2017(121):89.
[28] 艾瑞咨询.2016年中国电子支付行业研究报告[EB/OL].[2016-10-28].http://www.docin.com/p-1336828539.html.
[29] HAIR J F,ANDERSON,R E.Multivariate data analysis:with readings[M].New York:Macmillan,1992:1.
[30] 李晓青,林志扬.LMX中介作用下变革型、交易型领导有效性研究[J].重庆大学学报:社会科学版,2013,19(6):56.
[31] FORNELL C,LARCKER D F.Evaluating structural equation models with unobservable variables and measurement error[J].Journal of marketing research,1981:39.
[32] TOMARKEN A J,WALLER N G.Structural equation modeling:strengths,limitations,and misconceptions[J].Annual Review of Clinical Psychology,2005,1(1):31.
[33] 艾瑞咨询.2017上半年中国第三方移动支付市场研究报告[EB/OL].[2017-8-10].https://www.iimedia.cn/c400/53957.html.
[34] LIAO T H.Online shopping post-payment dissonance:dissonance reduction strategy using online consumer social experiences[J].International Journal of Information Management,2017,37(1):520.