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http://dx.doi.org/10.14400/JDC.2017.15.12.239

Impacts of Individual and Technical Characteristics on Perceived Risk and User Resistance of Mobile Payment Services  

Kim, Sanghyun (School of Business Administration, Kyungpook National University)
Park, Hyun-Sun (BK21+, School of Business Administration, Kyungpook National University)
Publication Information
Journal of Digital Convergence / v.15, no.12, 2017 , pp. 239-253 More about this Journal
Abstract
This study investigates to investigate the factors that influence user resistance of mobile payment services. We suggested individual and technical characteristics of mobile payment services as factors influencing perceived risk and user resistance. In addition, we suggested negative security recognition as moderating variable. To test the proposed hypotheses, we collected 349 survey responses from the users of mobile payment services and conducted structural equation modeling with SmartPLS2.0. The results show that, first, negative social influence, risk aversion and distrust in existing services had an effect on the perceived risk. Second, the pace of change and vulnerability had an effect on the perceived risk. Third, perceived risk affected the user resistance while negative security recognition is related to the relationship between perceived risk and user resistance.
Keywords
Mobile Payment Services; Individual Characteristic; Technical Characteristic; Perceived Risk; User's Resistance; Negative Security Recognition;
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Times Cited By KSCI : 4  (Citation Analysis)
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