發(fā)布時(shí)間：2017-12-31 20:24

  本文關(guān)鍵詞：移動(dòng)支付使用意愿影響因素的分析　出處：《廣西大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 移動(dòng)支付 使用意愿 影響因素 科技接受模型

【摘要】：移動(dòng)支付也被稱作手機(jī)支付,是用戶使用終端設(shè)備來(lái)對(duì)所購(gòu)買的商品或服務(wù)進(jìn)行賬務(wù)支付的一種方式。隨著網(wǎng)絡(luò)技術(shù)快速發(fā)展,帶來(lái)新一輪的移動(dòng)電子商務(wù)興起,使智能手機(jī)成為更方便快捷的交易渠道和終端設(shè)備。面對(duì)當(dāng)前移動(dòng)支付市場(chǎng)井噴的現(xiàn)象,研究出消費(fèi)者對(duì)移動(dòng)支付使用意愿的影響因素,對(duì)想要搶占市場(chǎng)份額的各大移動(dòng)支付機(jī)構(gòu)有重大的影響。目前已經(jīng)出現(xiàn)了一些針對(duì)移動(dòng)支付消費(fèi)者使用意愿的相關(guān)研究,但對(duì)于社交圈移動(dòng)支付這個(gè)新興的概念,還是缺乏研究。為了從消費(fèi)者的角度,找出消費(fèi)者最為關(guān)注的因子,從而對(duì)移動(dòng)支付提出針對(duì)性建議。通過(guò)對(duì)當(dāng)今移動(dòng)支付國(guó)內(nèi)外環(huán)境的分析,對(duì)移動(dòng)支付業(yè)務(wù)進(jìn)行完善,并結(jié)合國(guó)內(nèi)自身地位優(yōu)勢(shì),發(fā)展戰(zhàn)略聯(lián)盟以擴(kuò)大市場(chǎng)需求,從而帶動(dòng)國(guó)內(nèi)移動(dòng)支付的發(fā)展。本研究在大量閱讀文獻(xiàn)的前提之下,在整合性科技接受模型基礎(chǔ)上,結(jié)合創(chuàng)新擴(kuò)散理論、理性行為理論、感知風(fēng)險(xiǎn)理論和科技接受模型并結(jié)合了社交圈移動(dòng)支付的特征對(duì)各個(gè)研究因素進(jìn)行了重新的定義,探討了績(jī)效期望、便利因素、社會(huì)因素、促進(jìn)因素以及消費(fèi)者創(chuàng)新性對(duì)用戶接受移動(dòng)支付的影響。同時(shí)對(duì)用戶的不同性別、年齡、以及受教育程度進(jìn)行了分析。此外,本文對(duì)用戶使用微信移動(dòng)支付的基本情況進(jìn)行統(tǒng)計(jì),并分析出消費(fèi)者對(duì)移動(dòng)支付使用意愿及其影響因素。本文從消費(fèi)者的角度出發(fā),構(gòu)建了社交支付應(yīng)用軟件的使用意愿模型,以微信為例進(jìn)行了問(wèn)卷設(shè)計(jì)和數(shù)據(jù)收集,并且引入了結(jié)構(gòu)方程模型對(duì)樣本數(shù)據(jù)進(jìn)行擬合,得出各影響因素與用戶使用意愿的影響。最終得出的結(jié)論有：(1)實(shí)證檢驗(yàn)指出,按各變量對(duì)使用意愿的影響程度來(lái)分,影響移動(dòng)支付的使用意愿從高到底依次是績(jī)效期望、社會(huì)影響、便利因素、消費(fèi)者創(chuàng)新性、促進(jìn)因素。(2)實(shí)證檢驗(yàn)指出,從績(jī)效期望中的相對(duì)優(yōu)勢(shì)和成果期望可以看出,相對(duì)優(yōu)勢(shì)在績(jī)效期望所占的比例更高,在多個(gè)比較軟件(支付寶、younic、財(cái)付通)上看,微信支付較其他支付軟件所具有的功能性、快捷性以及便利性都較為突出,這是決定績(jī)效期望成為使用意愿主要因素的原因。
[Abstract]:Mobile payment is also called mobile phone payment, is a way of user terminal equipment to the accounts to pay for the purchase of goods or services. With the rapid development of network technology, the rise of mobile e-commerce has brought a new round of the intelligent mobile phone has become more convenient and efficient trading channels and in the face of the current mobile payment terminal equipment. The market blowout phenomenon, the consumers pay the influence factors of the willingness to use the mobile, has a significant impact on the mobile payment mechanism to seize market share. There have been some related research on consumer intention to use mobile payment, mobile payment but for the social circle of the new concept, or the lack of research in order to. From the consumer's perspective, to find out the most concerned about consumer factors, then put forward some suggestions for the mobile payment. Through mobile payment of today The analysis of environment, to improve the mobile payment business, combined with the domestic status of their own advantages, the development of strategic alliance in order to expand the market demand, so as to promote the development of domestic mobile payment. On the premise of a lot of reading literature, acceptance model foundation in integrated technology, combined with innovation diffusion theory, the theory of rational behavior, perception the risk theory and Technology Acceptance Model and combine the social circle of the mobile payment features to be defined on various factors, discussed the performance expectations, convenience factors, social factors, factors and promote consumer innovation acceptance of mobile payment users. At the same time on different gender, age of the user, and the level of education are analyzed. In addition, this paper carries on the statistics to the basic situation of users use WeChat mobile payment, and the analysis of the consumer to pay the intention and its influence on Mobile The influencing factors in this paper. From the perspective of consumers, the construction of social willingness to use payment application software model, taking WeChat as an example of the questionnaire design and data collection, and the introduction of the structural equation model to fit the sample data, and the factors that influence the user intention. The final conclusions are: (1) empirical test pointed out that according to the variable degree of influence on the intention to use the points, affect the willingness to use mobile payment from high to low are performance expectancy, social influence, convenience factors, consumer innovation, promoting factors. (2) pointed out that from the empirical test, the relative advantage of the performance expectations and results can be expected see, a higher proportion of relative advantage in performance expectations, in multiple comparison software (Alipay, younic, caifutong) on the function of WeChat to pay, than other payment software has, and then fast This is a major factor in determining the willingness to use performance expectations.

【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F724.6

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