Analysis on the Usage Intention of Mobile Payment

Abstract: In 21st century, the constant development in economy promotes the expanding advancement of science and technology. In the global range, mobile payment has witnessed continuous expanding and application in a wider range of situations, which is considered to be one of the most potential industries in the world. However, as has been noticed by researchers, the popularity of mobile payment is limited to people of certain age groups, different areas, countries and other factors. And compared to former research, this thesis is based on the background of that all the technology including mobile technology, intelligent phones, network and many other aspects in our lives have developed much these years, the collected data and results in this thesis can reflect the newest feeling and opinion about mobile payment. Therefore, in order to find out factors which influence the usage intention of using mobile payment in this modern society, qualitative method was used in this research. By observing and interviewing the participants from different age, countries and gender, the research finds out the perceived ease of use, the perceived usefulness, perceived risks, situations, reliance are the main factors which influence the people’s usage intention of mobile payment. Moreover, based on the analysis of factors of usage intention, useful suggestions has been given to help mobile payment providers widespread application of mobile payment and offer more convenient payment environment to users.