With the development of mobile communication technology and the wide application of intelligent devices, mobile payments with great commercial potential have been born. However, the penetration rate of mobile payment is not satisfactory. In order to explore user acceptance of mobile payments, this study proposes a new research model based on the technology acceptance model, which integrates the characteristics of mobile payments (i.e., mobility) and inhibiting factors (i.e., risk and cost). Partial least squares was performed to analyse measurement and structural models on the data collected from 245 survey samples. The results indicated that perceived mobility has a positive and direct impact on perceived ease of use and perceived usefulness, as well as an indirect impact on adoption intention; however, perceived risk and perceived cost negatively affect a user’s intention to use mobile payments. Finally, the research provides empirical evidence for practitioners to enhance the adoption of mobile payments.

中文翻译：

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移动性，风险和成本对用户采用移动支付的意图的影响

随着移动通信技术的发展和智能设备的广泛应用，具有巨大商业潜力的移动支付应运而生。但是，移动支付的普及率并不令人满意。为了探索移动支付的用户接受度，本研究提出了一种基于技术接受模型的新研究模型，该模型整合了移动支付的特征（即移动性）和抑制因素（即风险和成本）。对从245个调查样本收集的数据进行了偏最小二乘分析，以分析测量和结构模型。结果表明，知觉的流动性对知觉的易用性和知觉有用性产生了积极和直接的影响，并对采用意向产生了间接影响；然而，感知风险和感知成本会对用户使用移动支付的意图产生负面影响。最后，该研究为从业人员提高移动支付的采用率提供了经验证据。