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An Empirical Examination of Initial Trust in Mobile Payment

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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.

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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)

Author information

Authors and Affiliations

  1. School of Management, Hangzhou Dianzi University, Hangzhou, 310018, People’s Republic of China

    Tao Zhou

Authors
  1. Tao Zhou
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Corresponding author

Correspondence to Tao Zhou.

Appendix: Measurement Scale and Items

Appendix: Measurement Scale and Items

Ubiquitous connection (UC) (adapted from Lee [21])

  1. UC1:

    I can conduct mobile payment from anywhere.

  2. UC2:

    I can conduct mobile payment at anytime.

  3. UC3:

    If needed, I can conduct mobile payment at anytime from anywhere.

Effort expectancy (EFE)(adapted from Venkatesh et al. [43])

  1. EFE1:

    Learning to use mobile payment is easy for me.

  2. EFE2:

    Skillfully using mobile payment is easy for me.

  3. EFE3:

    I find that mobile payment is easy to use.

Structural assurance (SA) (adapted from McKnight et al. [30])

  1. SA1:

    I feel confident that encryption and other technological advances on the mobile Internet make it safe for me to use mobile payment.

  2. SA2:

    I feel assured that legal and technological structures adequately protect me from payment problems on the mobile Internet.

  3. SA3:

    Mobile Internet is a robust and safe environment in which to use mobile payment.

Trust in online payment (TOP) (adapted from Kim et al. [17])

  1. TOP1:

    Online payment always provides accurate financial services.

  2. TOP2:

    Online payment always provides reliable financial services.

  3. TOP3:

    Online payment always provides safe financial services.

Initial trust in mobile payment (TMP) (adapted from Kim et al. [17])

  1. TMP1:

    Mobile payment always provides accurate financial services.

  2. TMP2:

    Mobile payment always provides reliable financial services.

  3. TMP3:

    Mobile payment always provides safe financial services.

Performance expectancy (PEE) (adapted from Venkatesh et al. [43])

  1. PEE1:

    Mobile payment improves my living and working efficiency.

  2. PEE2:

    Mobile payment increases my living and working productivity.

  3. PEE3:

    I find that mobile payment is useful.

Usage intention (USE) (adapted from Lee [21])

  1. USE1:

    Given the chance, I intend to use mobile payment.

  2. USE2:

    I expect my use of mobile payment to continue in the future.

  3. USE3:

    I have intention to use mobile payment.

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Zhou, T. An Empirical Examination of Initial Trust in Mobile Payment. Wireless Pers Commun 77, 1519–1531 (2014). https://doi.org/10.1007/s11277-013-1596-8

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  • DOI: https://doi.org/10.1007/s11277-013-1596-8

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