共查询到19条相似文献，搜索用时 218 毫秒
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微信支付是腾讯公司于2008年推出的移动支付创新产品,发展前景光明。本文在整合UTAUT模型和ITM模型的基础上,增加感知娱乐性和感知安全性两个因素,构建微信支付的用户接受模型,分析影响用户使用微信支付的关键因素。结果表明,按照影响力的大小,影响用户最终使用微信支付的因素依次为行为意愿、绩效期望、感知安全性、感知娱乐性、努力期望、初始信任以及便利条件。 相似文献
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移动互联网用户采纳研究——基于感知利益、成本和风险视角 总被引：1，自引：0，他引：1
基于感知利益、成本和风险视角,对移动互联网用户采纳行为进行研究,构建用户采纳的结构方程模型,以揭示影响用户采纳移动互联网的关键因素及其作用机理。利用SPSS软件对模型量表进行探索性因子分析,使用SmartPLS软件对模型量表进行验证性因子分析和对结构方程模型的假设进行检验。结果显示用户对移动互联网的感知有用性、感知乐趣、无所不在性、感知成本对感知价值影响显著,感知价值、社会影响和感知有用性对用户采纳意向有直接影响,用户创新意识对感知价值与用户采纳意向的关系有显著负向调节作用。最后,对研究结果进行了讨论,提出促进我国移动互联网发展的建议。 相似文献
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《内蒙古科技与经济》2021,(7)
随着互联网的快速发展,移动终端设备的逐渐普及,移动支付逐渐成为移动互联网时代的主流支付方式之一,其中第三方移动支付因其便利性等特点,占据较大市场份额。用户的使用意愿是影响第三方移动支付发展的重要因素。基于第三方支付的相关研究,以技术接受模式为理论基础,增添了网络外部性、感知价值、感知风险因素,构建了北京大学生第三方移动支付使用意愿的影响因素模型。借助SPSS实证分析了影响用户使用第三方移动支付的因素,并针对所得结论提出如下建议:促进第三方移动支付功能多样化,提升用户的使用意愿;提高第三方移动支付平台安全性,降低用户的感知风险;优化第三方移动支付的社交属性,提高用户的感知价值。 相似文献
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【目的/意义】移动互联网时代,移动电子商务用户的个性化信息需求具有极强的情景依赖性与感知信任
性,针对目前移动商务信息服务个性化和准确性较低,提出融入用户个性化情景与用户间信任关系的推荐模型。
【方法/过程】首先,通过用户当前情景和历史评分数据计算出对每个用户即时信息需求影响最大的K个情景要素,
以此构造用户个性化情景,然后结合不同信任环境下的用户信任度矩阵改进已有的不同信任信息环境下用户情景
兴趣推荐方法,进而进行项目推荐。【结果/结论】通过Movie lens与Book-Crossing数据集对本文提出的算法和其
它两种算法进行比较,实验结果表明：本模型具有较高的推荐准确率,可有效地解决移动商务环境下的个性化推
荐问题。 相似文献
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移动互联网的快速发展促使各种创新移动应用的不断涌现,移动打车软件的出现在一定程度上缓解了乘客"打车难"与出租车"空载率高"这一矛盾,为乘客和出租车司机双方提供便利。因此,以使用移动打车软件的乘客为研究对象,在UTAUT模型和初始信任理论的基础上,依据打车软件的自身特点加入感知趣味性、感知风险、感知价格水平等因素,构建理论模型,分析影响用户初始使用意愿的关键因素。通过问卷调查,利用SPSS和AMOS软件进行数据分析,根据分析结果为移动打车软件运营商提供相应的管理和营销建议。 相似文献
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［目的/意义］健康信息风险和用户隐私保护是健康大数据和移动健康时代的重要议题,从信息隐私和隐私计算视角,探究移动健康管理服务使用意愿的影响因素具有重要意义。［方法/过程］本文在分析移动健康管理服务特殊性和回顾相关研究的基础上,从信息隐私和隐私计算的视角,通过模型构建、问卷调查和假设验证等实证分析过程,重点探究信息隐私等相关因素对移动健康管理服务用户行为意向的影响。［结果/结论］研究表明：显著影响移动健康管理服务使用意愿的因素有感知收益和信任;隐私顾虑对使用意愿的影响并不显著,但并不意味着用户隐私保护不重要;此外,感知隐私控制是重要的心理要素,正向影响感知收益,负向影响隐私顾虑。对移动健康管理服务商来说,应该从信息隐私保护、感知收益提升、个人隐私控制强化以及用户信任建设等方面着手,从而促进移动健康管理服务的用户使用。 相似文献
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Mobile payments are the future as we move towards a cashless society. In some markets, cash is already being replaced by digital transactions, but consumers of many developing countries are slower in transition towards digital payments. This study aims to identify major determinants of consumer mobile payment adoption in India the country with second largest mobile subscribers in the world. Existing mobile payments adoption studies have predominantly utilised Technology Acceptance Model (TAM), which was primarily developed in organisational context and criticised for having deterministic approach without much consideration for users’ individual characteristics. Therefore, this study adapted meta-UTAUT model with individual difference variable attitude as core construct and extended the model with consumer related constructs such as personal innovativeness, anxiety, trust, and grievance redressal. Empirical examination of the model among 491 Indian consumers revealed performance expectancy, intention to use, and grievance redressal as significant positive predictor of consumer use behaviour towards mobile payment. Moreover, intention to use was significantly influenced by attitude, social influence, and facilitating conditions. The major contribution of this study includes re-affirming the central role of attitude in consumer adoption studies and examining usage behaviour in contrast to most existing studies, which examine only behavioural intention. 相似文献
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The global spread and use of internet and mobile contributed to the development of digital payments and baking. There is a lack of research which provides comprehensive synthesis and analysis of factors affecting the use and adoption of digital banking and payment methods in GCC countries. Thus, the aim of this paper is to provide a comprehensive literature review and perform weight and meta-analysis. By reviewing 46 studies, it was found that best predictors for digital payment and banking adoption in GCC countries are trust, perceived security and perceived usefulness. Based on the extensive literature review, the conceptual of factors affecting adoption digital banking and payment methods in Gulf countries model was proposed, which will set agenda for future research. Practitioners will be able to use the findings from this study to improve adoption and quality of digital banking and payment services 相似文献
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移动互联网已逐渐渗透到人们工作、生活的各个领域,正在深刻改变着信息时代社会生活的方方面面。在这样的背景下,图书馆以传统图书馆、数字图书馆的发展成果为基础,结合最新的移动通信技术应用,开辟出新的服务技术和服务方法,建立基于移动互联网的移动搜索服务、移动阅读服务、移动自助服务、个人移动空间、移动学习社区和移动身份认证及移动支付服务等全新服务体系,以满足读者在移动互联网环境下的信息服务需求。 相似文献
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《International Journal of Information Management》2014,34(2):151-166
Although mobile-related technologies are widely accepted in today's society, mobile payment in Virtual Social Networks (VSN) is not among the most widely used mobile services. This paper analyzes users’ acceptance of mobile payment in VSN. In order to analyze the level of acceptance of this technology, as well as the factors that determine its use by consumers, we have introduced a modification of the classical technological acceptance models (TRA and TAM). Thus, the study proposes and tests an integrated theoretical model, which establishes the relative importance of the key factors (external influences, ease of use, usefulness, attitude, trust and risk) in terms of the acceptance of the mobile payment system in VSN. It also analyzes the eventual moderating effect of users’ experience with similar tools. The empirical results show that the proposed behavioral model (named MPAM-VSN) is accordingly adjusted, thus showing that previous experience increases intention of use. Finally, the results obtained in this study reveal interesting implications for the diffusion of mobile payment systems in VSN. 相似文献
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移动广告接受意愿的影响因素研究——基于大学生移动广告体验的视角 总被引：1，自引：0，他引：1
以计划行为理论作为理论依据,将感知风险、感知控制、用户信任、广告奖励、社会影响作为变量,建立了一个移动广告接受意愿模型,旨在分析影响用户接受移动广告的关键因素。实证结果发现:感知控制、广告奖励、社会影响对用户意愿有着显著性的正向影响,而用户信任和感知风险对用户意愿的影响并不显著。 相似文献
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通过对中国银行产品消费者调查收集的数据来验证影响消费者对银行信息行为信任的因素。结果发现,消费者的信任信念和隐私声明信任会显著地影响其对银行信息行为的信任;而消费者的整体隐私关注越强,其对银行信息行为的信任越弱,但是消费者的整体隐私关注对其隐私声明信任的影响不显著,表明消费者的整体隐私关注直接影响消费者对银行信息行为的信任。 相似文献
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Mobile payment technology continues to spread across the globe, but its diffusion has not been uniform. Its low usage in developing economies is of particular concern to policymakers since this technology has the potential to enable financial inclusion. In this study, in order to develop policy interventions for greater usage, we comparatively analyze factors impacting actual usage and future use intention. India, with its uneven trajectory of mobile payments, gives us an appropriate field to investigate citizens’ usage behaviour. Considering users’ perceptions of both positive and negative attributes of the technology, we develop research models under the umbrella of the valence framework. We utilize technology affordances and constraints theory (TACT) to refine the research models through an understanding of various innovative uses. To test the valence-TACT models, we collect survey responses of 551 citizens across four Indian cities. The results from the models show how certain factors, such as convenience, reflection, and security, have different impacts on actual usage and future use intention, respectively. These findings have implications for critical issues like security, risk, and digital literacy, and can help in the design of policy recommendations for enhancing the use of mobile payments, thereby impacting financial inclusion for all. The valence-TACT model provides a theoretical contribution to mobile payment and innovation literature and also offers several policy insights. 相似文献
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越来越多的消费者认可并接受网上支付,影响消费者网上支付的因素也非常多。本文在对相关文献进行回顾的基础上,结合中国电子商务市场的实际情况,提出了确定影响消费者网上支付采用的7个因素,并基于信度分析、效度分析及回归分析和对消费者使用网上支付平台的影响因素进行了实证研究。 相似文献
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既得利益与财政转移支付的均等化效应分析 总被引：2，自引：0，他引：2
采用基尼系数对整体财政转移支付政策及各项转移支付政策的均等化效应进行了分析,认为现行财政转移支付制度有一定的均等化效应,但反映地方既得利益的返还性收入和反映部门既得利益的专项转移支付比重超过了均等化效应最强的财力性转移支付,从而限制了财政转移支付政策均等化效应的实现。就此提出扩大一般性转移支付规模及控制专项转移支付规模的政策建议。 相似文献