信任和安全对移动支付决策的影响
发布时间：2019-04-15 13:07
【摘要】：考虑到"信任"和"安全"的问题影响着用户对移动支付的使用情况,本文采用实验方法 ,根据知名度、支付额度和补偿度3个因子,建立了用户信任和安全因子对于用户支付意愿的影响模型。研究结果显示:感知信任和感知安全会影响使用意愿,且感知安全会影响感知信任。而这3个因子中,知名度通过感知安全影响使用意愿;补偿度既会影响用户感知安全,也会影响感知信任,但不会直接影响使用意愿。支付额度虽然对用户没有直接影响,但是其与知名度以及支付额度与补偿度的交互作用,会对用户的感知信任、感知安全和使用意愿产生影响。对此,提出以下建议:鼓励支付公司开发移动支付的业务;低知名度的支付公司可以优先推广低支付额度的业务,再逐渐提高用户的信任和使用意愿;发生安全威胁时,应考虑提供用户补偿,从而提高用户对公司的信任和使用意愿。
[Abstract]:Considering that the problems of "trust" and "security" affect the users' use of mobile payment, this paper adopts the experimental method, according to the popularity, payment amount and compensation degree three factors, The influence model of user trust and security factor on user's willingness to pay is established. The results show that perceived trust and perceived security will affect the willingness to use, and perceived security will affect perceived trust. Among the three factors, popularity affects the willingness to use through perceived security, and the degree of compensation not only affects the perceived security of users, but also affects the perceived trust, but does not directly affect the willingness to use. Although payment quota has no direct effect on users, its interaction with popularity and payment quota and compensation degree will have an impact on users' perceived trust, perceived security and willingness to use. To this end, the following suggestions are put forward: encourage payment companies to develop mobile payment business; low-profile payment companies can give priority to the promotion of low payment quota business, and then gradually enhance users' trust and willingness to use; In case of security threat, user compensation should be considered in order to improve users' trust and willingness to use the company.
【作者单位】： 清华大学机械学院工业工程系;
【基金】：国家自然科学基金项目“人因工程与决策行为分析”(项目编号:71188001)
【分类号】：F724.6;F832.2
[Abstract]:Considering that the problems of "trust" and "security" affect the users' use of mobile payment, this paper adopts the experimental method, according to the popularity, payment amount and compensation degree three factors, The influence model of user trust and security factor on user's willingness to pay is established. The results show that perceived trust and perceived security will affect the willingness to use, and perceived security will affect perceived trust. Among the three factors, popularity affects the willingness to use through perceived security, and the degree of compensation not only affects the perceived security of users, but also affects the perceived trust, but does not directly affect the willingness to use. Although payment quota has no direct effect on users, its interaction with popularity and payment quota and compensation degree will have an impact on users' perceived trust, perceived security and willingness to use. To this end, the following suggestions are put forward: encourage payment companies to develop mobile payment business; low-profile payment companies can give priority to the promotion of low payment quota business, and then gradually enhance users' trust and willingness to use; In case of security threat, user compensation should be considered in order to improve users' trust and willingness to use the company.
【作者单位】： 清华大学机械学院工业工程系;
【基金】：国家自然科学基金项目“人因工程与决策行为分析”(项目编号:71188001)
【分类号】：F724.6;F832.2
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