Mobilephoneshave led toagreat revolutionofmodern society,helpful formanybusinesses to reorienttheirsalesmethodstowardseffectivecommercialformats.Them-payment,forinstance,as anemergenttechnologytothesenovelcommercialsetups,isnowundertakingtheadoptionprocess. Individualusersareknowntovaryintheirtendencytoacceptnewtechnologies.Notsurprisingly,some conceptualmodelsdescribehowandwhyindividualsusem-payments.Untilrecently,however,the roleofpersonalityinoverall,andthebigfivemodelofpersonality,inparticular,hadremainedmostly unexplored.Thisarticleaimstoascertaintheimpactofpersonalitytraitsonm-paymentadoption.Data werecollectedfrom323m-paymentcustomersandanalyzedusingatwo-stepresearchmethodology. SEMwasappliedtotestthehypothesis,andsignificantantecedentsofm-paymentwereidentified. Nextsignificantpersonalityfactorswereinputtoaneuralnetworkmodelforranking.Theresults showedthatconscientiousandagreeablenessisthetwomainpredictorsofm-paymentadoption. KEywORdS Agreeableness, Artificial Neural Networks, Conscientiousness, Extraversion, M-Commerce, Mobile Payment, Neuroticism, Openness to Experience, Personality Traits, SEM

中文翻译：

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人格特质预测移动支付系统

并确定了移动支付的重要前辈。将下一个重要的人格因素输入到神经网络模型中进行排名。结果显示认真和令人愉快的是采用m付款的两个主要预测因素。KEWORDS宜人性，人工神经网络，尽责性，外向性，移动商务，移动支付，神经质，开放经验，人格特质，SEM