In recent years, with the continuous development of
the Internet and the popularity of smart mobile devices, people’s living and
entertainment habits have changed greatly. The emergence and development of
third-party mobile payment is one of the influencing factors. With the
development of third-party mobile payment,
the factors affecting the willingness to use third-party mobile payment will be
constantly updated. This paper combines perceived value theory model and
technology acceptance model, and selects perceived usefulness, perceived ease
of use, perceived risk, social impact, personal innovation and perceived value
as influencing factors to establish third-party mobile payment users’use of a model of willingness. An effective scale was designed to analyze
the data collected by descriptive analysis, reliability analysis, validity
analysis and regression analysis. The effects of perceived usefulness,
perceived ease of use and perceived risk on perceived value and the
relationship between all factors and intention to use wereanalyzed.The final results show that
perceived usefulness and perceived ease of use have significant positive
effects on perceived value, while perceived risk has significant negative
effects on Taiwan data, while perceived risk has no significant negative impact
on perceived value in Chinese Mainland data. Perceived usefulness, perceived
ease of use, social impact and personal innovation have significant positive
effects on willingness to use. Perceived risk has no significant negative
impact on willingness to use in Chinese Mainland data, but has a significant
negative impact on willingness to use in Taiwan data. The article is organized
as follows introduction, literature review, research design, empirical research
results, analysis and summary. Finally, through the analysis of the willingness
to use third-party mobile payment and its influencing factors and municipal
research, this paper puts
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