Chinese mobile payment landscape a stimulus-organism-response model examining influences on customers willingness to use this technology

Name: Shulan Chen

LCSH: Smartphones -- hina

LCSH: IPhone (Smartphone) -- Mobile apps

LCSH: Mobile commerce -- China

LCSH: Mobile apps -- Marketing

LCSH: Entrepreneurship -- Technological innovations

LCSH: Consumer behavior -- China

Abstract: This thesis aims to identify factors influencing individuals' willingness to use mobile payment application in China, using Stimulus-organism-response (SOR) theory as the foundational framework. There are eight latent variables: Mobile Payment Application, Cost,Risk, Confirmation, Social Influence, Satisfaction, Perceived Value, and Willingness to Use, along with 20 observed variables. External factors can influence individual behavior through psychological reactions. These external stimuli include aspects of the Mobile Payment Application (Image, Usefulness, Ease of Use, Service Quality), Cost, Risk, Confirmation, and Social Influence. These stimuli affect the user's psychological state (Perceived Value and Satisfaction), ultimately leading to the dependent variable: Willingness to Use. Data were collected from 608 valid questionnaires about mobile payment app usage in different regions of China. The study used SPSS and Amos software to analyze survey data through various methods, including descriptive statistics, reliability and validity tests, correlation analysis, and structural equation modeling, to verify research hypotheses and models. The findings are as follows: The Mobile Payment Application positively influences user satisfaction and perceived value. Confirmation enhances both user satisfaction and perceived value. Social influence also boosts user satisfaction and perceived value. Additionally, perceived value improves user satisfaction and increases willingness to use the app, while satisfaction further enhances users' willingness to use it. Cost and risk both negatively impact users' perceived value of the mobile payment app. Based on the research findings, suggestions are proposed to enhance the willingness of mobile payment app users in China. Mobile payment operators should better understand customer needs and regularly evaluate the image, usefulness, ease of use, and service quality of their products. This will help improve their offerings. As customer behavior evolves, it is essential to reassess customer needs and responses. Additionally, operators can reduce costs and risks, enhance social influence, and improve user satisfaction and perceived value to boost users' willingness to use the app. Finally, the paper points out the insufficiency and the prospect of the paper

Address: BANGKOK

Email: lifelong@kmitl.ac.th

King Mongkut's Institute of Technology Ladkrabang. KMITL Lifelong Learning Center

Name: Singha Chaveesuk

Role: Thesis Advisor

Email : singha.ch@kmitl.ac.th

Name: Wornchanok Chaiyasoonthorn

Role: Thesis Co-Advisor

Email : wornchanok.ch@kmitl.ac.th

Created: 2024

Modified: 2025-03-20

Issued: 2025-03-15

วิทยานิพนธ์/Thesis

application/pdf

eng

DegreeName: Doctor of philosophy

Level: Doctoral Degree

Descipline: Industrial Business Administration

Grantor: King Mongkut's Institute of Technology Ladkrabang

©copyrights King Mongkut's Institute of Technology Ladkrabang

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