A Survey Study of Adoption of Mobile Payment in the U.S Market
Tingya Su, Qiping Zhang

Abstract
Mobile payment obtained extensive attention in recent decades as a new means of commerce with various advantages. This paper aims to empirically investigate key adoption determinants that contribute to the relative slow uptake of mobile payment service in the U.S. market. The study aims to examine the key facilitators and hindrances in the mobile payment adoption process from the consumer perspective. We also take the varied demographic condition into consideration, that serves as the moderating factors in the adoption process of mobile payment, A survey is developed to understand people’s intention and self-reported usage of mobile payment based on previous literature. The survey includes demographic information (such as age, gender, income, and education), and six constructs - performance expectancy, effort expectancy, social influence, facilitating condition, perceived risk, and individual innovativeness. All six constructs except effort expectancy showed significant direct effect to behavior intention.

Full Text: PDF