From computer to mobile phone: how users’ Internet experience affects the adoption of mobile payment

Mobile payment becomes a convenient way to complete transactions due to the increasing popularity of mobile devices and the maturity of related technologies. Users’ experience of using computers and the Internet in financial activities largely affects their intention to use mobile payment. Combining the technology acceptance model and innovation diffusion theory, we examined the mediating effect of five factors, i.e., perceived usefulness, perceived ease of use, compatibility, risk, and privacy concern, in the relationship between Internet experience and the adoption of mobile payment. Based on a survey of 922 mobile users in China, the research findings supported the partial mediating effects of the five factors.