南非用户的微信钱包服务使用意愿影响因素研究

发布时间：2022-01-27 02:20

　　微信钱包是通过功能性服务促进消费者进行金融交易的一种移动应用程序。最近的报告显示,该应用程序每月包含超过10亿活跃用户,在用户量上远超其最接近的竞争对手支付宝44%。在过去三年中,微信钱包已开始渗透到包括南非在内的一些发展中国家。据悉,在南非大约有500万人使用微信钱包服务。尽管微信钱包服务在南非获得了广泛认可,但以往研究并没有尝试探索激励这些欠发达国家的消费者去接受和使用该服务的行为因素。然而由于电子商务行业的发展和扩张,对于移动支付应用程序的开发人员来说,了解用户使用行为的影响因素就显得尤其重要,这将有助于他们如何根据消费者的实际需求设计和完善产品。为了弥补这个研究不足,我们在南非（非洲唯一一个拥有许多微信钱包用户的发展中国家）进行了独立的实证研究,试图了解用户接受和使用微信钱包的潜在影响因素。本研究将以扩展的技术接受和使用模型（TAM模型）为理论基础,并采用结构方程模型方法进行统计分析和解释。首先,本研究对发展中国家（特别是南非）引进先进技术的消费者反应行为进行理论梳理和理解。由于这些国家处于技术的早期采用阶段,我们通过对技术接受模型（TAM）及其扩展模型进行系统梳理和深入分析,... 

【文章来源】：哈尔滨工业大学黑龙江省211工程院校985工程院校

【文章页数】：167 页

【学位级别】：博士

【文章目录】：
Abstract
摘要
List of Abbreviations
Chapter1 Introduction
    1.1 Background
    1.2 Problem Definition and Motivations
    1.3 Research Purpose and Scientific Contribution
        1.3.1 Research Purpose and Significances
        1.3.2 Scientific and Theoretical Contributions
    1.4 Research Objectives and Questions
        1.4.1 Research Objectives
        1.4.2 Research Questions
    1.5 Literature Review
        1.5.1 We Chat wallet in the information Technology
        1.5.2 Acceptance of We Chat payment among the consumers
        1.5.3 Customer experience in using the We Chat wallet Payment
        1.5.4 Motivation drives We Chat wallet usage behavior
    1.6 Review on the Technological Acceptance Model
        1.6.1 Reviews of TAM Related work
        1.6.2 Extension of TAM related work
        1.6.3 Application of TAM related work
    1.7 Organization of the thesis
Chapter2 Theoretical framework
    2.1 Theoretical Research basis
        2.1.1 The Innovation Diffusion Theory
        2.1.2 Expectation Confirmation Model
        2.1.3 Technology Acceptance Model
    2.2 Adoption rate of Technology Acceptance Model
        2.2.1 We Chat wallet adoption in South Africa
        2.2.2 Research framework
        2.2.3 We Chat wallet Technology perceptions by users
    2.3 The gap between We Chat in China and We Chat in South Africa
    2.4 Summary
Chapter3 Research Methodology
    3.1 Research Design
    3.2 Research instrument and measurement
    3.3 Data Collection
    3.4 Structural Equation Modeling(SEM)Analysis
        3.4.1 Model measurement analysis
        3.4.2 Constructs reliability and validity
        3.4.3 Common method bias test
    3.5 Summary
Chapter4 Consumers’willingness to accept and use We Chat Wallet P2P service in South Africa
    4.1 Theoretical Model and Hypotheses Development
        4.1.1 Relationship between Security and Privacy concern
        4.1.2 Influence of Trust of We Chat payment on Privacy concern
        4.1.3 Direct relationship between Trust and P2P Intention to transaction
        4.1.4 Perceived ease-of-use(PEOU)and Relative Advantages
        4.1.5 Perceived Privacy concerns and behavioral Intension to P2P transaction
        4.1.6 Perceived relative advantage and P2P intension to Transaction
    4.2 Results and findings
        4.2.1 Results
        4.2.2 Findings
    4.3 Research Contributions
        4.3.1 Theoretical Contributions
        4.3.2 Limitations and Future Directions
    4.4 Summary
Chapter5 Consumers’Acceptance Intentions to use SNAPn SAVE Application in South Africa
    5.1 Theoretical model
    5.2 Hypotheses formulation
        5.2.1 Direct effect between perceived Trust of application and risk
        5.2.2 Influence of Trust on Developers reputation
        5.2.3 Perceived risk on the intension to use SNAPn SAVE
        5.2.4 Developer’s reputation perception on Intention to SNAPn SAVE
    5.3 Result and findings
        5.3.1 Results
        5.3.2 Findings
    5.4 Contributions
        5.4.1 Theoretical Contribution and Practical implications
        5.4.2 Limitations and Recommendations
    5.5 Summary
Conclusions
结论
References
Appendices
Papers published in the period of Ph.D.education
Acknowledgements
Resume



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