消费者对移动支付服务商的信任维度实证研究  

Empirical Study on Dimensions of Consumers' Trust in the Mobile Payment Service Providers

作　　者：吴恒亮[1] 张巍巍[1] 

机构地区：[1]山东工商学院管理科学与工程学院,山东烟台264005

出　　处：《统计与信息论坛》2015年第4期101-106,共6页Journal of Statistics and Information

基　　金：国家自然科学基金项目<基于风险视角的移动支付用户采纳及创新扩散机理研究>(71301089);山东省高校人文社会科学研究计划<基于项目群的建筑企业全过程项目管理研究>(J10WG64)

摘　　要：移动支付作为关键技术环节制约着移动商务的发展,而消费者对移动支付服务商的信任是影响消费者是否采纳移动支付的主要障碍。首先,通过文献回顾形成消费者移动支付信任构成初始量表,然后对在线收集的425份样本进行主成分因子分析,萃取出能力、正直和善意三个信任维度,累计解释了76.085%的方差,信度检验显示三个信任维度Cronbach'sα值均大于0.8,一阶和二阶验证性因子分析表明量表建构效度理想。研究结果表明,三个维度中正直信任对消费者总体信任水平影响程度最大,其次分别是善意信任和能力信任。As a key technique link,mobile payment is constraining the development of mobile commerce,and consumers＇ trust in the mobile payment service providers significantly affects consumers＇ willingness of using mobile payment.Firstly,the initial items of consumers＇ trust were explored by literature review etc.,and 425 samples were collected through online survey.Principal component analysis indicates that the structure of consumers＇ trust includes three dimensions such as ability,integrity,and benevolence,which have explained 76.085% variation of trust.Moreover,the Cronbach＇sαof the three dimensions are all higher than 0.8,and the confirmatory factor analysis shows that the construct validity is well.The research result shows that integrity is the most important factor affecting consumers＇ trust among the three dimensions,followed by ability,and benevolence.

关 键 词：移动支付 信任 维度 

分 类 号：F224.0[经济管理—国民经济]