Determinants of the Intention to Use Cross-Border Mobile Payments in Korea among Chinese Tourists: An Integrated Perspective of UTAUT2 with TTF and ITM

Abstract

With the acceleration of global economic integration and digital economy, cross-border mobile payment has gained growing attention. On the other hand, as COVID-19 keeps on spreading, the popularization of cross-border mobile payment can lower the risk of infection caused by cash payment of tourists. However, though previous researchers already examined mobile payment users’ behavioral intention from different perspectives, these research findings tend to concentrate on the non-cross-border section of mobile payment. Therefore, the purpose of this research is to examine factors influencing cross-border mobile payment use intention from the user perspective, and combining three theoretical models, chiefly UTAUT2 (extended unified theory of acceptance and use of technology), ITM (initial trust model), and TTF (task technology fit). In this research, 786 Chinese with the experience of using cross-border mobile payment while traveling to South Korea are adopted as respondents, and the structural equation model is used to empirically analyze the data of these research samples. The study found that initial trust, performance expectancy, effort expectancy, facilitating conditions, price value, task technology fit, and initial trust have significant effects on use intention. Research findings of this paper can deepen people’s understanding of users’ intention to use cross-border mobile payment, and provide theoretical support for the development of cross-border mobile payment.

Investigating the Impact of Critical Factors on Continuous Usage Intention towards Enterprise Social Networks: An Integrated Model of IS Success and TTF

“…The task characteristics and technology characteristics could significantly affect the task technology fit and then decide users' continuous usage intention. This finding shows good agreement with the conclusion of Wu and Lee [47] and Wu et al [67]. This can also provide solid evidence for whether ESN functions can meet users' task needs, which exists as an important influencing factor of whether ESNs users are willing to continue using it.…”

“…In addition to the task technology fit, users' performance expectancy and satisfaction are also decisive factors of users' continuous usage intention. This can provide solid evidence for previous research findings [58,65,67], and indicate that users' performance expectancy and satisfaction of ESNs is a main way to strengthen users' continuous usage intention. When users' use of ESNs can help improve their work performance, users will feel satisfied and their continuous usage intention of ESNs will be gradually strengthening.…”

“…If users are dissatisfied with ESNs, they will stop using them. Current research also shows that satisfaction is a decisive factor that can influence users' continuous behavior intention [64][65][66][67][68]. Based on the above discussions, this research makes the following hypotheses: Hypothesis 5a (H5a).…”

“…The items and scales for the performance expectancy constructs were adapted from Venkatesh et al [5,6] and Wu and Lee [60]. The items and scales for the TTF model constructs were adapted from Oliveira [48] and Wu et al [67]. The unit of analysis focused on the individual and the responses were measured using a 5-point Likert scale on an interval level ranging from "strongly agree" to "strongly disagree"(refer to Appendix A).…”

Poland–Turkey Comparison of Mobile Payments Quality in Pandemic Time

“…In research examining the factors influencing interest in the cross-border mobile payment use from the user perspective among Chinese citizens travelling to South Korea, the authors show that initial trust, performance expectancy, effort expectancy, facilitating conditions, price value and task technology fit have significant effects on use intention (Wu et al 2021).…”