Factors Influencing the Diffusion and Acceptance of Innovation in the Payment Technology Area.
Journal Title: IOSR journal of Business and Management - Year 2018, Vol 20, Issue 3
Abstract
Non-cash payment instruments provide a small part of payments so far, but the use of innovative products in this area is growing at a relatively high rate. This study present a technology acceptance model(TAM) that integrates risk, trust, security and convenience into the TAM to investigate what factors and how influence acceptance of innovations in the payment technology area. The proposed model was empirically tested using data collected from a survey of consumers using non-cash payment instruments. Our findings indicated that the higher is level of trust, security and convenience – the higher is intention to use non-cash payments, and opposite, the higher is the level of risk – the lower is intention to use technology.
Authors and Affiliations
Mukhina Maria, Sha Zhenquan
Keywords
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- EP ID EP409900
- DOI 10.9790/487X-2003022531.
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