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    Determinants of Willingness to Use Mobile Payment Application in China
    (2024-01-01)
    Chen, Shulan
    ;
    Chaiyasoonthorn, Wornchanok
    ;
    Chaveesuk, Singha
    During the past 20 years, the Gross Domestic Product (GDP) has shown rapid growth in China. By 2022, the Chinese GDP has reached 121.02 trillion yuan, 12 times that of 2000. The rapid development of the Chinese economy has further improved the living standards of the Chinese. At the same time, the Chinese demand for transaction payments is increasing daily, and the people's requirements for transaction payments are also getting higher and higher. The growth of demand for transaction payment boosts the development of the mobile payment industry, which provides opportunities for the mobile payment market. At the same time, there are increasing types of mobile payment in the market, and the competition is becoming increasingly fierce, which brings challenges and difficulties to mobile payment operators. The purpose of this study is to build a model framework to help Chinese mobile payment operators identify factors that affect consumers’ use of mobile payment to expand consumer groups and enhance the competitiveness of mobile payment companies. The novelty of this study is that, based on the SOR theory, the paper constructs a conceptual framework of mobile payment application users’ willingness to use in China and finds out the key factors of willingness to use mobile payment. The study results show that the key factors influencing willingness to use mobile payment are usefulness, ease of use, service quality, cost, risk, perceived value, and satisfaction.
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    CHINESE MOBILE PAYMENT LANDSCAPE: A STIMULUS ORGANISM RESPONSE MODEL EXAMINING PERCEIVED VALUE, SATISFACTION, AND INFLUENCES ON CUSTOMERS’ WILLINGNESS ON THIS TECHNOLOGY
    (2024-01-01)
    Chen, Shulan
    ;
    Chaveesuk, Singha
    ;
    Chaiyasoonthorn, Wornchanok
    This study aims to identify factors influencing individuals’ willingness to use mobile payment applications in China. Stimulus–organism–response (SOR) theory served as the foundational framework. Quantitative data were collected from 462 valid questionnaire addressing people’s use of mobile payment platforms in various regions of China. Structural Equation Modeling (SEM) results that perceived usefulness and ease of use significantly increase user satisfaction and perceived value. In the same vein, service quality and social influence also positively and significantly influence to satisfaction. In other words, cost has negative and significant impact on perceived value. Perceived value has positive and significant impact on satisfaction. Perceived value and satisfaction have positive and significant impact on willingness to use. The current study with significant findings contributed to fill the gap in the context of China region because only a few studies leveraged the SOR theory to explore mobile payment. The findings also contributed to enrich knowledge of mobile payment applications and provide actionable guidance to help mobile payment operators make strategic decisions. These results could also increase the understanding of mobile payment which paint a more vivid picture of this phenomenon and can enable mobile payment operators to make better strategic choices.
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    The Mobile Payment Application Acceptance Model of China: on the Basis of S-O-R Theory
    (2023-10-27)
    Chen, Shulan
    ;
    Chaveesuk, Singha
    ;
    Ramadhana, Arga
    ;
    Chaiyasoonthorn, Wornchanok
    With the rapid increase in the scale of mobile terminal equipment, the continuous expansion of mobile data traffic and the growth of Chinese residents' consumer demand, these factors have promoted the development of China's mobile e-commerce. Payment methods are a key component of mobile e-commerce, while traditional paper money transactions show increasingly prominent shortcomings in mobile electronic payments. In such a context, mobile payment emerged naturally. Mobile payment is convenient, fast and cashless. Mobile payment has changed the payment habits of Chinese paper currency transactions. Especially during the period from 2020 to 2022, the outbreak of the COVID-19 has promoted cashless mobile payment to become the preferred payment method of the Chinese people. Among the Chinese mobile payment market, there are many kinds of mobile payment apps. For example, the People's Bank of China is testing a digital RMB application. In April 2022, Huawei Pay officially started operation. In addition, China has introduced a highly standardized system for mobile payments. With the increasing number of mobile payment applications and the introduction of a high standardization system for mobile payment, the competition in China's mobile payment market is increasingly fierce. Under the premise of complying with China's mobile payment standardization system, how can China's mobile payment operators retain and expand users in the fierce payment market? How do China's mobile payment operators survive and develop in the fiercely competitive environment? These are the issues that China's mobile payment operators focus on. Therefore, it is a very meaningful topic to study the influencing factors of China's mobile payment APP users' willingness to use.
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    The Mobile Payment Acceptance Model of Chinese Residents
    (2021-06-23)
    Chen, Shulan
    ;
    Chaiyasoonthorn, Wornchanok
    ;
    Chaveesuk, Singha
    The rapid development of the Internet in China has changed the modes of payment among the Chinese residents. Nowadays, the mobile payment users in China take up 60.93% of the Chinese population. However, there are still 416 million non-netizens in China. In the future, China's mobile payment market will seek further expansion. In addition, with the further development of digitalization and the circulation of the digital RMB, the Chinese mobile payment, which is represented by Alipay and WeChat Pay, will suffer from huge impacts. In this paper, based on the technology acceptance model, planned behavior theory, system security, trust, and demographics, a conceptual framework is established to analyze the acceptance of mobile payment in China and find out the determinants that affect the use of mobile payment. The outcome of this paper not only provides a theoretical framework for subsequent scholars to further study the determinants of Chinese residents' mobile payment, but also provides a theoretical basis for mobile payment operators to retain and expand the mobile payment market.