Wang Yu-Min
Department of Information Management, National Chi Nan University, Puli, Nantou County, Taiwan, Republic of China.
Cyberpsychol Behav. 2008 Dec;11(6):687-9. doi: 10.1089/cpb.2007.0244.
The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.
非接触式信用卡是电子支付领域最具前景的技术创新之一。它为消费者提供了对支付的更大控制权、便利性和交易速度。然而，非接触式信用卡在市场上的采用率尚未显著提高。因此，必须努力识别影响消费者采用非接触式信用卡的因素。基于技术接受模型、创新扩散理论和相关文献，提出了七个变量（感知有用性、感知易用性、兼容性、感知风险、信任、消费者参与度、基础设施可用性）来帮助预测消费者对非接触式信用卡的采用情况。使用逻辑回归方法，对从台湾312名受访者收集的数据进行了针对所提出预测模型的测试。我们研究的结果和启示有助于更全面地理解影响消费者采用非接触式信用卡的因素。
