An Empirical Examination of User Adoption Mobile Payment

Due to the high uncertainties and perceived risk associated with using mobile payment, it is critical for service providers to build users´ trust. This paper explored the critical factors influencing users´ intention to adopt mobile payment from a trust perspective. The results are based on a survey sample of 193 participants. SmartPLS2.0 is employed in the data analysis. The findings indicate that perceived ease of use, perceived usefulness, structure assurance and ubiquity have significant effect on users´ trust, which further affect user usage intention. Thus mobile service providers need to concern trust to facilitate user adoption and usage of mobile payment services.