Influential Factors Impacting Users’ Behavioral Intentions Regarding Facial Recognition Payment Systems of Mobile Payment Platforms in Wuhan, China
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Purpose: This study aims to investigate the possible factors that drive customers’ willingness to utilize facial recognition payment and provide information that companies can refer to spread the face recognition payment service successfully. Research design, data, and methodology: Data was collected from 500 Chinese mobile payment users using quantitative research methodology, employing a questionnaire as the data collection tool. The sampling methods used in this research included judgmental, quota, and convenience sampling. To ensure the questionnaire’s validity and reliability, a pilot test was conducted with 50 participants, using the Item-Objective Congruence (IOC) index and Cronbach’s alpha for reliability assessment. Data obtained from the study were analyzed using Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM). Results: The results show that privacy control significantly affects privacy concerns. Behavioral intention is significantly affected by privacy concerns, perceived usefulness, perceived ease of use, and personal innovativeness but not by facilitating conditions. In addition, perceived privacy risk has no significant effect on privacy concerns. Security has no significant effect on perceived usefulness. Conclusions: The results of this study will be of value to various groups associated with E-payment services, such as mobile network operators, financial institutions, and payment service providers.
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