| dc.description.abstract | With the advance of information technology, payment methods are dramatically changing in few decades. In addition, mobile payment becomes the newest and the most popular payment method. Many countries including China and Swedes have embraced mobile payment and enjoyed its convenience; however, it is not yet popular in Taiwan. Therefore, this study examines the reasons that Taiwanese consumer are unwilling to use mobile payment: lack of demand and security concerns. This study develops an explanatory model to explain how status quo bias theory and information security affect consumer behavioral intention toward mobile payment. Furthermore, this study uses trust and inertia as mediate factors and conformity as moderator factor.
This study collected responses from Taiwanese respondents and received 322 effective samples through internet questionnaires. Structural Equation Modeling (SEM) is applied to test the hypotheses of this study. The empirical results indicate the following points. First, in the aspect of status quo bias theory, loss aversion has significant positive effect on inertia, while perceived control has significant negative effect on inertia. Second, in the aspect of information security, confidentiality, integrity and availability have significant positive effect on trust. Third, inertia has significant negative effect but trust has significant positive effect on behavioral intention toward mobile payment. Finally, conformity only moderates between trust and behavioral intention toward mobile payment. | en_US |