Understanding consumer adoption of mobile commerce and payment behaviour: an empirical analysis

This study explored experts' views using the analytic network process and investigated consumers' usage of mobile payment using structural equation modelling. This study included two stages: the determinants of consumers' use of mobile commerce, and their act of payment. The expert questionnaire survey found that security concerns and privacy concerns are the most important factors, especially whether authorised personal information can be highly protected. In terms of the key factors influencing consumers' use of mobile payment, consumers expect to improve availability through the perfection of mobile payment content. However, a higher content integrity means greater complexity. While security and privacy concerns are improved, negative emotion may be caused. Finally, a comparison of the results found that 'security and privacy concerns' are regarded as most important by consumers and experts; however, they have different views in other aspects. The findings can serve as a reference for the industry, government, and academia as well as relevant manufacturers, to build a mobile payment platform and develop related business and support measures.