An Empirical Examination of Initial Trust in Mobile Payment

Due to the high uncertainty and perceived risk associated with using mobile payment, it is critical to building users’ initial trust in order to facilitate their adoption and usage. Drawing on both perspectives of self-perception-based and transference-based factors, this research examined initial trust in mobile payment. Self-perception-based factors include ubiquitous connection and effort expectancy, whereas transference-based factors include structural assurance and trust in online payment. The results indicated that both perspectives of factors affect initial trust, which further affects performance expectancy and usage intention. Thus, service providers need to build users’ initial trust in order to facilitate their usage of mobile payment.