Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective

Many Internet-based services have already been ported to the mobile-based environment, embracing the new services is therefore critical to deriving revenue for services providers. Based on a valence framework and trust transfer theory, we developed a trust-based customer decision-making model of the non-independent, third-party mobile payment services context. We empirically investigated whether a customer's established trust in Internet payment services is likely to influence his or her initial trust in mobile payment services. We also examined how these trust beliefs might interact with both positive and negative valence factors and affect a customer's adoption of mobile payment services. Our SEM analysis indicated that trust indeed had a substantial impact on the cross-environment relationship and, further, that trust in combination with the positive and negative valence determinants directly and indirectly influenced behavioral intention. In addition, the magnitudes of these effects on workers and students were significantly different from each other.