The purpose of this research is to assess the impact of trust, when balanced with risk and benefit, on consumer intention to adopt mobile payment systems. A research model is created to assess intent based on perceived trust, along with three antecedents – privacy, security, and familiarity – and packaged with an extended valence framework that takes into account the opposing notions of perceived risk and perceived benefit. Following a pilot study of 76 participants, data is collected from a survey of 234 respondents and is analyzed using consistent Partial Least Squares (PLSc). Results indicate that perceived benefit and perceived trust are the most important influences on the intention to use mobile payment systems, and that the perceived risk of using mobile payment systems has little or no impact on intention to use. The risk result is explained by motivational avoidance theory and institutional dependence.

这项研究的目的是评估信任与风险和利益之间的平衡，对消费者采用移动支付系统的意图的影响。创建了一个研究模型以基于感知到的信任以及三个先决条件（隐私，安全性和熟悉度）评估意图，并将其与考虑到风险和感知收益的对立概念的扩展价框架打包在一起。在对76位参与者进行的初步研究之后，从234位受访者的调查中收集了数据，并使用一致的偏最小二乘（PLSc）进行了分析。结果表明，感知利益和感知信任是对使用移动支付系统的意图的最重要影响，而使用移动支付系统的感知风险对使用意图的影响很小或没有影响。