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Author: search.filters.author.Chen, ShulanSubject: search.filters.subject.Willingness to use

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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.