A quantitative diary study of perceptions of security in mobile payment transactions

Bibliographic Data

ID21452154
AuthorsJiaxin Zhang (0000-0002-6330-6723, School of Design, The Hong Kong Polytechnic University, Kowloon, Hong Kong SAR), Yan Luximon (0000-0003-2843-847X, School of Design, The Hong Kong Polytechnic University, Kowloon, Hong Kong SAR, corresponding author)
Year2021
Volume40
Issue15
Pages1579-1602
Publication date2021-11-18
Peer ReviewedYes
Open AccessNo
TypeARTICLE
VenueBehaviour and Information Technology (JOURNAL)
Journal identifiersISSN: 0144-929X • E-ISSN: 1362-3001
PublisherInforma UK Limited (PUBLISHER • GB)
DOI10.1080/0144929x.2020.1771418
OpenAlexW3031182297
LanguageEN
Citations received4
References cited95

While mobile payment services have been flourishing in China, users have continually questioned the security of these transactions. Although customization has been proposed as a vital factor for mobile commerce, minimal knowledge exists regarding how it affects users’ perceived security in mobile payment transactions. A quantitative diary study was therefore conducted to provide insight into the personality traits that motivate customization behaviors in security, and how such behaviors influence perceived security under different use contexts in relation to mobile payments. First, an instrument for the diary study was developed through an interview. Then, 134 responses from mobile payment users were used to examine the relationships between personality traits and customization behaviors. Among them, the diary was completed by 67 mobile payment users who reported their perceived security for 1094 recoded payment events across various use contexts for periods ranging between 5 and 15 days. The results showed that the personality traits of extraversion and intellect influence users’ customization behaviors and these behaviors have a positive effect on perceived security. Additionally, the relationship between customization behaviors and perceived security was moderated by the task and technical contexts. Based on these findings, design implications and opportunities for mobile payment services are described

Big Five personality traits · Business · Extraversion and introversion · Internet privacy · Mobile commerce · Mobile payment · Payment · Personality · Personalization · World Wide Web · Computer Science · Customer Service Quality and Loyalty · Digital Platforms and Economics · Marketing · Psychology · Social Psychology · Technology Adoption and User Behaviour

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Open DOIOpen Access