EXPLORING THE INFLUENCE OF strongTRUSTstrong ON MOBILE PAYMENT ADOPTION.pdfVIP

EXPLORING THE INFLUENCE OF TRUST ON MOBILE PAYMENT ADOPTION Hua Xin, Faculty of Business and Law, Auckland University of Technology, Auckland, New Zealand, nyp8061@aut.ac.nz Angsana A. Techatassanasoontorn, Faculty of Business and Law, Auckland University of Technology, Auckland, New Zealand, angsana@aut.ac.nz Felix B. Tan, Faculty of Business and Law, Auckland University of Technology, Auckland, New Zealand, felix.tan@aut.ac.nz Abstract The objective of this study is to explore antecedents of trust and the influence of trust on intention to use mobile payments. The research examines three dimensions of trust antecedents including trust perceptions of the mobile service provider, the mobile payment vendor and mobile technology. The results are based on a survey sample of 302 participants. PLS-SEM is employed in the data analysis. Results reveal that trust is a crucial factor of consumer’s intention to adopt mobile payment. Results highlight that characteristics of the mobile service provider, mobile payment vendor and mobile technology influence the development of trust on mobile payment. In particular, consumer’s perceptions of structural assurance and environmental risks of mobile technology have strong influence on mobile payment trust. Results also highlight that consumers ’perceived reputation of the mobile service provider and mobile payment vendor positively relate to mobile payment trust. Keywords: Mobile Payment, Mobile Technology, Structural Assurance, Trust. 1 INTRODUCTION Advanced Information and Communication Technologies (ICT), such as smart phones and ubiquitous Internet access, increase the mobility of individual ’s life activities. The growth in mobile phone subscriptions has led to an increase in mobile applications, social networking and online games, as well a