With the rapid development of China's mobile Internet and the popularity of smart phones and other mobile terminals, mobile payment has become an indispensable and convenient way in people's life. 86% of Chinese people use mobile payment, the highest penetration rate in the world. Compared with other age groups, the penetration rate of mobile payment in the older adults is still low, so how to integrate mobile payment service into the life of the older adults is still a difficult problem. In order to effectively solve the digital usage gap of the older adults in the post-epidemic era, it is urgent to explore what factors affect the mobile payment acceptance behavior of the older adults and the influence of mobile payment use behavior on the life satisfaction of the older adults.
The first study investigated the older adults in Beijing urban area who had used mobile payment, and the test items of the questionnaire were derived from previous classical literatures. Based on literature research on technology acceptance behavior and from the perspectives of mobile payment technology characteristics, individual characteristics and social influence, the influencing factors model of the older adults' behavioral intention to use mobile payment was established and the mechanism of perceived usefulness, perceived ease of use and cognitive ability was discussed. 147 older adults who have not used mobile payment were added in the second study. The simple life satisfaction scale was used to investigate the life satisfaction of the older adults. Compare the difference between life satisfaction of mobile payment users and non-users, and further explore the relationship between mobile payment use behavior and life satisfaction of the older adults.
The results of the first study showed that perceived usefulness and social influence are the direct influencing factors of the older adults' behavioral intention to use mobile payment, the results of path coefficient show that perceived usefulness is the greatest influence, followed by social influence. The direct effect of perceived ease of use on behavioral intention is not significant, but indirectly through perceived usefulness. Perceived risk and cognitive ability have no significant influence on the older adults' behavioral intention to use mobile payment. The results of the second study show that there is a significant difference in life satisfaction between mobile payment users and non-users. Compared with non-mobile payment users, the life satisfaction of the older adults using mobile payment is higher. Mobile payment use frequency can positively predict life satisfaction of the older adults.
Conclusion: This study provides empirical support for promoting the acceptance of new technologies in the older adults. "Convenience and usefulness" is the key factor for the older adults to accept mobile payment. With the increase of older adults' experience, the effect of perceived ease of use on the behavioral intention to use mobile payment may weaken. The risk perception of the elderly on mobile payment does not affect their acceptance of this service. To some extent, the use of mobile payment services by the older adults can improve their life satisfaction.
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