Wireless Personal Communications

, Volume 77, Issue 2, pp 1519–1531 | Cite as

An Empirical Examination of Initial Trust in Mobile Payment

  • Tao Zhou


Due to the high uncertainty and perceived risk associated with using mobile payment, it is critical to building users’ initial trust in order to facilitate their adoption and usage. Drawing on both perspectives of self-perception-based and transference-based factors, this research examined initial trust in mobile payment. Self-perception-based factors include ubiquitous connection and effort expectancy, whereas transference-based factors include structural assurance and trust in online payment. The results indicated that both perspectives of factors affect initial trust, which further affects performance expectancy and usage intention. Thus, service providers need to build users’ initial trust in order to facilitate their usage of mobile payment.


Mobile payment Initial trust Structural assurance Effort expectancy 



This work was partially supported by grants from the National Natural Science Foundation of China (71371004, 71001030), and a grant from Zhejiang Provincial Key Research Base of Humanistic and Social Sciences in Hangzhou Dianzi University (ZD04-201301)


  1. 1.
    Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.CrossRefGoogle Scholar
  2. 2.
    Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411–423.CrossRefGoogle Scholar
  3. 3.
    Beldad, A., de Jong, M., & Steehouder, M. (2010). How shall I trust the faceless and the intangible? A literature review on the antecedents of online trust. Computers in Human Behavior, 26(5), 857–869.CrossRefGoogle Scholar
  4. 4.
    Benamati, J. S., Fuller, M. A., Serva, M. A., & Baroudi, J. A. (2010). Clarifying the integration of trust and TAM in e-commerce environments: Implications for systems design and management. IEEE Transactions on Engineering Management, 57(3), 380–393.CrossRefGoogle Scholar
  5. 5.
    Chandra, S., Srivastava, S. C., & Theng, Y.-L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for Information Systems, 27, 561–588.Google Scholar
  6. 6.
    Chen, Y.-H., & Barnes, S. (2007). Initial trust and online buyer behavior. Industrial Management & Data Systems, 107(1), 21–36.CrossRefGoogle Scholar
  7. 7.
    CNNIC. (2013). 32nd Statistical survey report on the internet development in China, China Internet Network Information Center.Google Scholar
  8. 8.
    Delgado-Ballester, E., & Hernandez-Espallardo, M. (2008). Effect of brand associations on consumer reactions to unknown on-line brands. International Journal of Electronic Commerce, 12(3), 81–113.CrossRefGoogle Scholar
  9. 9.
    Fuller, M. A., Serva, M. A., & Benamati, J. (2007). Seeing is believing: The transitory influence of reputation information on e-commerce trust and decision making. Decision Sciences, 38(4), 675–699.CrossRefGoogle Scholar
  10. 10.
    Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51–90.Google Scholar
  11. 11.
    Gefen, D., Straub, D. W., & Boudreau, M. C. (2000). Structural equation modeling and regression: Guidelines for research practice. Communications of the Association for Information Systems, 4(7), 1–70.Google Scholar
  12. 12.
    Hampton-Sosa, W., & Koufaris, M. (2005). The effect of Web site perceptions on initial trust in the owner company. International Journal of Electronic Commerce, 10(1), 55–81.Google Scholar
  13. 13.
    Hong, S.-J., Thong, J. Y. L., Moon, J.-Y., & Tam, K. Y. (2008). Understanding the behavior of mobile data services consumers. Information Systems Frontier, 10(4), 431–445.CrossRefGoogle Scholar
  14. 14.
    Hu, X., Wu, G., Wu, Y., & Zhang, H. (2010). The effects of Web assurance seals on consumers’ initial trust in an online vendor: A functional perspective. Decision Support Systems, 48(2), 407–418.CrossRefGoogle Scholar
  15. 15.
    Hwang, Y., & Lee, K. C. (2012). Investigating the moderating role of uncertainty avoidance cultural values on multidimensional online trust. Information & Management, 49(3–4), 171–176.CrossRefGoogle Scholar
  16. 16.
    Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322.CrossRefGoogle Scholar
  17. 17.
    Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283–311.CrossRefGoogle Scholar
  18. 18.
    Koufaris, M., & Hampton-Sosa, W. (2004). The development of initial trust in an online company by new customers. Information & Management, 41(3), 377–397.CrossRefGoogle Scholar
  19. 19.
    Kuan, H.-H., & Bock, G.-W. (2007). Trust transference in brick and click retailers: An investigation of the before-online-visit phase. Information & Management, 44(2), 175–187.CrossRefGoogle Scholar
  20. 20.
    Lee, K. C., Chung, N., & Lee, S. (2011). Exploring the influence of personal schema on trust transfer and switching costs in brick-and-click bookstores. Information & Management, 48(8), 364–370.CrossRefMathSciNetGoogle Scholar
  21. 21.
    Lee, T. (2005). The impact of perceptions of interactivity on customer trust and transaction intentions in mobile commerce. Journal of Electronic Commerce Research, 6(3), 165–180.Google Scholar
  22. 22.
    Li, X., Hess, T. J., & Valacich, J. S. (2008). Why do we trust new technology? A study of initial trust formation with organizational information systems. The Journal of Strategic Information Systems, 17(1), 39–71.CrossRefzbMATHGoogle Scholar
  23. 23.
    Li, Y.-M., & Yeh, Y.-S. (2010). Increasing trust in mobile commerce through design aesthetics. Computers in Human Behavior, 26(4), 673–684.CrossRefzbMATHGoogle Scholar
  24. 24.
    Lin, H.-F. (2011). An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust. International Journal of Information Management, 31(3), 252–260.CrossRefGoogle Scholar
  25. 25.
    Lowry, P. B., Vance, A., Moody, G., Beckman, B., & Read, A. (2008). Explaining and predicting the impact of branding alliances and web site quality on initial consumer trust of e-commerce web sites. Journal of Management Information Systems, 24(4), 199–224.CrossRefGoogle Scholar
  26. 26.
    Luo, X., Li, H., Zhang, J., & Shim, J. P. (2010). Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49(2), 222–234.CrossRefGoogle Scholar
  27. 27.
    Malhotra, N. K., Kim, S. S., & Patil, A. (2006). Common method variance in IS research: A comparison of alternative approaches and a reanalysis of past research. Management Science, 52(12), 1865–1883.CrossRefGoogle Scholar
  28. 28.
    Mallat, N. (2007). Exploring consumer adoption of mobile payments—a qualitative study. The Journal of Strategic Information Systems, 16(4), 413–432.CrossRefGoogle Scholar
  29. 29.
    Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An integrative model of organizational trust. The Academy of Management Review, 20(3), 709–734.Google Scholar
  30. 30.
    McKnight, D. H., Choudhury, V., & Kacmar, C. (2002). Developing and validating trust measures for e-commerce: An integrative typology. Information Systems Research, 13(3), 334–359.CrossRefGoogle Scholar
  31. 31.
    Nicolaou, A. I., & McKnight, D. H. (2006). Perceived information quality in data exchanges: Effects on risk, trust, and intention to use. Information Systems Research, 17(4), 332–351.CrossRefGoogle Scholar
  32. 32.
    Nunnally, J. C. (1978). Psychometric theory. New York: McGraw-Hill.Google Scholar
  33. 33.
    Pavlou, P. A., & Gefen, D. (2004). Building effective online marketplaces with institution-based trust. Information Systems Research, 15(1), 37–59.CrossRefGoogle Scholar
  34. 34.
    PewInternet. (2012). The future of money: Smartphone swiping in the mobile age.Google Scholar
  35. 35.
    Podsakoff, P. M., & Organ, D. W. (1986). Self-reports in organizational research: Problems and prospects. Journal of Management, 12(4), 531–544.CrossRefGoogle Scholar
  36. 36.
    Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209–216.CrossRefGoogle Scholar
  37. 37.
    Shin, D. H. (2010). Modeling the interaction of users and mobile payment system: Conceptual framework. International Journal of Human-Computer Interaction, 26(10), 917–940.CrossRefGoogle Scholar
  38. 38.
    Sia, C. L., Lim, K. H., Lee, M. K. O., Huang, W. W., & Benbasat, I. (2009). Web strategies to promote Internet shopping: Is cultural-customization needed? MIS Quarterly, 33(3), 491–512.Google Scholar
  39. 39.
    Song, J., & Zahedi, F. M. (2007). Trust in health infomediaries. Decision Support Systems, 43(2), 390–407.CrossRefGoogle Scholar
  40. 40.
    Stewart, K. J. (2003). Trust transfer on the World Wide Web. Organization Science, 14(1), 5–17.CrossRefGoogle Scholar
  41. 41.
    Straub, D., Boudreau, M.-C., & Gefen, D. (2004). Validation guidelines for IS positivist research. Communications of the Association for Information Systems, 13, 380–427.Google Scholar
  42. 42.
    Thatcher, J. B., McKnight, D. H., Baker, E. W., Arsal, R. E., & Roberts, N. H. (2011). The role of trust in post-adoption IT exploration: An empirical examination of knowledge management systems. IEEE Transactions on Engineering Management, 58(1), 56–70.CrossRefGoogle Scholar
  43. 43.
    Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478.Google Scholar
  44. 44.
    Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.Google Scholar
  45. 45.
    Yoon, C. (2009). The effects of national culture values on consumer acceptance of e-commerce: Online shoppers in China. Information & Management, 46(5), 294–301.CrossRefGoogle Scholar

Copyright information

© Springer Science+Business Media New York 2014

Authors and Affiliations

  1. 1.School of ManagementHangzhou Dianzi UniversityHangzhouPeople’s Republic of China

Personalised recommendations