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Examine User Adoption of Mobile Payment Using the TAM: A Trust Transfer Perspective

Success in online services cannot promise the success in corresponding mobile services. To understand the mobile service adoption behavior under the context of online service transition, this study, taking mobile payment as an example, from a trust transfer perspective, examines users’ acceptance of mobile payment using the TAM (Technology acceptance model). A field survey with 220 mobile payment student users is conducted to test the research model and hypotheses. The key findings include: trust of online payment and structural assurance play the crucial role in the initial trust of mobile payments; perceived ease of use and perceived usefulness positively influent trust in mobile payment. Limitations, theoretical and practical implications are also discussed.