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

An Empirical Examination of Initial Trust in Mobile Payment

  • Tao Zhou
Article

Abstract

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.

Keywords

Mobile payment Initial trust Structural assurance Effort expectancy 

Notes

Acknowledgments

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)

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Copyright information

© Springer Science+Business Media New York 2014

Authors and Affiliations

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

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