Human Ecology Research

The Korean Home Economics Association (대한가정학회)
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Predicting intention to adopt mobile card payment service

모바일 카드 결제서비스 수용 의도의 결정 요인

  • Kim, Hyo-Jung (Chungnam National University, Human Ecology Research Institute) ;
  • Lee, Jin-Myong (Chungnam National University, Consumer Science)
  • 김효정 (충남대학교 생활과학연구소) ;
  • 이진명 (충남대학교 소비자학과)
  • Received : 2019.03.06
  • Accepted : 2020.07.23
  • Published : 2020.11.30
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Abstract

The use of mobile payment services has recently increased in South Korea. Mobile payments allow consumers to purchase items digitally, using a mobile card in an app affiliated with a payment service. This study explores the predictors of intention to adopt mobile payment services. The study employed an A(affective)-B(behavioral)-C(cognitive) model with two antecedent variables: cognitive (perceived usefulness, perceived risk, perceived ease of use, and perceived herding behavior) and affective (satisfaction with the status quo, innovation resistance) responses. An online survey of 405 non-users of mobile payment services aged 20 to 49 years was conducted. The study used SPSS 23.0 for descriptive analysis and Amos 23.0 for confirmatory factor analysis and structural equation modelling. The results are as follows. First, perceived usefulness, perceived risk, and perceived herding behavior significantly influenced innovation resistance. Second, perceived herding behavior significantly influenced subjective norms. Third, innovation resistance and subjective norms significantly influenced the intention to adopt mobile payment services. The findings suggest that the A-B-C model can be useful in understanding consumers' adoption and resistance behaviors and that cognitive and affective responses are important antecedent variables affecting the decision to adopt mobile payment services.

Keywords

References

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