Zhang Qian, Kim Heejin
College of Business Administration, Gachon University, Seongnamdaero, Sujeong-gu, Seongnam-si 13120, Gyeonggi-do, Republic of Korea.
Behav Sci (Basel). 2025 May 12;15(5):659. doi: 10.3390/bs15050659.
Considering the rapid increase in mobile payment usage, numerous big tech companies have added mobile payment to the primary services that their platforms offer. However, extant research predominantly treats this added service as a standalone offering and investigates user adoption and behavior for this service independent of the primary services. Recognizing this gap in the literature, this study considers the added service as part of an extended ecosystem and examines different motivations for using the primary service. Therefore, this study examines how different motivations for using social networking services (SNSs) shape trust in the extended payment service and ultimately influence behavioral intentions. Drawing on the schema congruity theory, we conceptualize trust as a multidimensional construct-distinguished between cognitive and emotional trust-and explore the impact of trust in the primary service on the use of an added service. Specifically, we analyze survey data of 478 users of South Korea's leading SNS. The results reveal that both hedonic and utilitarian motivations positively influence emotional and cognitive trust, which, in turn, drive behavioral intention. However, hedonic (utilitarian) motivation exerts a stronger effect on emotional (cognitive) trust. Overall, the findings enhance the knowledge regarding trust formation in extended service ecosystems and offer insights for tech firms integrating financial services into their platforms.
鉴于移动支付使用量的迅速增长，众多大型科技公司已将移动支付添加到其平台提供的主要服务中。然而，现有研究主要将这项新增服务视为一项独立的产品，并独立于主要服务来研究用户对该服务的采用情况和行为。认识到文献中的这一空白，本研究将新增服务视为扩展生态系统的一部分，并考察使用主要服务的不同动机。因此，本研究考察了使用社交网络服务（SNS）的不同动机如何塑造对扩展支付服务的信任，并最终影响行为意图。借鉴图式一致性理论，我们将信任概念化为一个多维结构——分为认知信任和情感信任——并探讨对主要服务的信任对新增服务使用的影响。具体而言，我们分析了韩国领先社交网络服务478名用户的调查数据。结果显示，享乐动机和功利动机均对情感信任和认知信任产生积极影响，进而推动行为意图。然而，享乐（功利）动机对情感（认知）信任的影响更强。总体而言，这些发现增进了我们对扩展服务生态系统中信任形成的认识，并为将金融服务整合到其平台的科技公司提供了见解。
