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首页> 外文期刊>Journal of Organizational and End User Computing >Personality Traits as Predictor of M-Payment Systems: A SEM-Neural Networks Approach
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Personality Traits as Predictor of M-Payment Systems: A SEM-Neural Networks Approach

机译：人格特质作为移动支付系统的预测因子：一种SEM-神经网络方法

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摘要

Mobile phones have led to a great revolution of modern society, helpful for many businesses to reorient their sales methods towards effective commercial formats. The m-payment, for instance, as an emergent technology to these novel commercial setups, is now undertaking the adoption process. Individual users are known to vary in their tendency to accept new technologies. Not surprisingly, some conceptual models describe how and why individuals use m-payments. Until recently, however, the role of personality in overall, and the big five model of personality, in particular, had remained mostly unexplored. This article aims to ascertain the impact of personality traits on m-payment adoption. Data were collected from 323 m-payment customers and analyzed using a two-step research methodology. SEM was applied to test the hypothesis, and significant antecedents of m-payment were identified. Next significant personality factors were input to a neural network model for ranking. The results showed that conscientious and agreeableness is the two main predictors of m-payment adoption.
机译：移动电话引发了现代社会的一场巨大革命，这有助于许多企业将其销售方法调整为有效的商业格式。例如，作为这些新颖的商业设置的新兴技术，m-pay正在接受采用过程。众所周知，各个用户接受新技术的趋势有所不同。毫不奇怪，一些概念模型描述了个人如何以及为何使用互助金。然而，直到最近，人格在总体上的作用，尤其是人格的五种主要模式仍未得到充分探讨。本文旨在确定人格特质对采用移动支付的影响。从323万付费客户中收集了数据，并使用了两步研究方法进行了分析。 SEM被用来检验该假设，并确定了m支付的重要先行条件。接下来，将重要的人格因素输入到神经网络模型中进行排名。结果表明，认真和可取性是采用m-pay的两个主要预测指标。

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