Trust Building in Consumer Learning Process and Its Effect on Consumers' Behavioral Intention toward Mobile Payments

The era of mobile commerce is coming, and mobile payments will become an important channel for conducting transactions, especially concerning mobile commerce. However, we are still in the early days for global adoption of mobile payments. This research explores consumers’ trust building in the consumer learning process and its effect on consumers’ behavioral intention toward mobile payments. Results indicate that exposure to mobile payments has a positive relationship with consumers’ information searching and trust in mobile payments, which in turn affect their behavioral intention. When we compared our results across the user and the non-user groups, the similarities and differences in the cognitive processes involved for adoption and post adoption become apparent. Theoretical and practical implications of the findings are also presented.