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Exploring Older Adults’ Adoption of WeChat Pay: A Cognitive Lock-In Perspective

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Human Aspects of IT for the Aged Population. Design, Interaction and Technology Acceptance (HCII 2022)

Part of the book series: Lecture Notes in Computer Science ((LNCS,volume 13330))

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Abstract

Mobile payment has become increasingly popular worldwide, especially during the COVID-19 pandemic. However, older adults have more difficulties in adapting to mobile payments than others. To understand the reasons behind this phenomenon, we explore cognitive lock-in and its antecedents in adopting WeChat Pay based on the status quo bias theory. We use the PLS-SEM technique with survey data from Chinese older adults over the age of 50. The results show that the cognitive lock-in of older adults is significantly affected by technology anxiety, habit, regret avoidance, and uncertainty costs. Moreover, older adults’ intention to adopt WeChat Pay is positively associated with social influence and self-actualization, while cognitive lock-in is a significant negative determinant. This study can help us better understand the underlying mechanism behind older adults’ adoption of mobile payment from a cognitive lock-in perspective. Furthermore, this study steers the discussion about improving older adults’ digital literacy and optimizing age-appropriate services for mobile payments.

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Notes

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    Simonson, M. R., Maurer, M., Montag-Torardi, M., & Whitaker, M. (1987). Development of a standardized test of computer literacy and a computer anxiety index. Journal of Educational Computing Research, 3(2), 231–247. https://doi.org/10.2190/7CHY-5CM0-4D00-6JCG

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Authors and Affiliations

  1. Nanjing University, Nanjing, China

    Tianchang Liu & Xinyue Li

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  1. Tianchang Liu
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Correspondence to Tianchang Liu .

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  1. Tsinghua University, Beijing, China

    Qin Gao

  2. Chongqing University, Chongqing, China

    Jia Zhou

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Liu, T., Li, X. (2022). Exploring Older Adults’ Adoption of WeChat Pay: A Cognitive Lock-In Perspective. In: Gao, Q., Zhou, J. (eds) Human Aspects of IT for the Aged Population. Design, Interaction and Technology Acceptance. HCII 2022. Lecture Notes in Computer Science, vol 13330. Springer, Cham. https://doi.org/10.1007/978-3-031-05581-2_36

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  • DOI: https://doi.org/10.1007/978-3-031-05581-2_36

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