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An Empirical Study of the Influencing Factors of User Adoption on Mobile Securities Services

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  • Mobile Commerce
  • Mobile Securities
  • Technology Acceptance Model
  • User Adoption
  • Structural Equation Modeling
  • Communication


In view of the barrier that users held a low adoption intention of mobile securities currently, this study developed a theoretical model of user adoption on mobile securities services based on Technology Acceptance Model, and attempted to explore the influencing factors which play a role in user adoption. By collecting questionnaire survey data, we proceeded statistical analysis and Structural Equation Modeling analysis with SPSS and AMOS, and tested the theoretical model and further made a discussion on the results of data analysis. The results shown that perceived usefulness and perceived ease of use posed a significant positive impact on user adoption on mobile securities services but perceived risk posed a significant negative impact; the impact of perceived cost on user adoption on mobile securities services was not significant. We also verified the impacts of usability of mobile device and usability of mobile communication network. Ultimately, we proposed suggestions to all participants of mobile securities and pointed out the direction of future work.

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