Empirical Study of Influence Factors of Adaption Intention of Mobile Payment based on TAM Model in China

This paper studies the influence factors and the influence mechanism which effect Chinese adaption intention of mobile payment based on TAM model, theory of social psychology and innovation diffusion. It takes near-field mobile phone payment as practical example to do questionnaire survey with 623 samples in China and then the data were analyzed by SPSS20.0 and AMOS20.0 software .The result shows that the direct factors influencing mobile payment adoption are ranked as follows: altitude, consumer’s confidence in the operator, number of merchants, scope of service, cost to use, subjective normalization and operation scenario. The number of merchants, the scope of service, the perceived ease of use and the compatibility have a significant influence on the perceived usefulness. The people at different ages and with different incomes are different significantly in their willingness to purchase through the mobile-phone payment. At the end of this paper management suggestion for operators was given.'