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Determinants Affecting Consumer Adoption of Contactless Credit Card: An Empirical Study

机译：影响消费者采用非接触式信用卡的决定因素：一项实证研究

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摘要

The contactless credit card is one of the most promising technological innovations in the field of electronic payments. It provides consumers with greater control of payments, convenience, and transaction speed. However, contactless credit cards have yet to gain significant rates of adoption in the marketplace. Thus, effort must be made to identify factors affecting consumer adoption of contactless credit cards. Based on the technology acceptance model, innovation diffusion theory, and the relevant literature, seven variables (perceived usefulness, perceived ease of use, compatibility, perceived risk, trust, consumer involvement, availability of infrastructure) are proposed to help predict consumer adoption of contactless credit cards. Data collected from 312 respondents in Taiwan is tested against the proposed prediction model using the logistic regression approach. The results and implications of our study contribute to an expanded understanding of the factors that affect consumer adoption of contactless credit cards.
机译：非接触式信用卡是电子支付领域中最有前途的技术创新之一。它为消费者提供了对付款，便利性和交易速度的更大控制。然而，非接触式信用卡尚未在市场上获得显着的采用率。因此，必须努力确定影响消费者采用非接触式信用卡的因素。基于技术接受模型，创新扩散理论和相关文献，提出了七个变量（感知有用性，感知易用性，兼容性，感知风险，信任，消费者参与，基础设施的可用性）以帮助预测消费者对非接触式设备的采用信用卡。使用logistic回归方法，针对建议的预测模型测试了从台湾312位受访者那里收集的数据。我们研究的结果和意义有助于进一步理解影响消费者采用非接触式信用卡的因素。

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