Current Issue

EXPLORING MOBILE PAYMENT ADOPTION BEHAVIOR IN A SUSTAINABLE DIGITAL PAYMENT ENVIRONMENT.  

Lisa Y. Chen*

Department of Information Management, I-Shou University, Kaohsiung, Taiwan

*Corresponding Author: This email address is being protected from spambots. You need JavaScript enabled to view it.

Yu-Ci Zhang

Department of Information Management, I-Shou University, Kaohsiung, Taiwan

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Pei-Yu Yang

Department of Information Management, I-Shou University, Kaohsiung, Taiwan

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Abstract

With the rapid development of digital technology, mobile payment has become an indispensable part of consumers’ daily lives and an important tool for promoting paperless transactions and improving resource utilization efficiency under ESG (Environmental, Social, and Governance) trends. This study aims to explore the key factors influencing users’ adoption of mobile payment services. Based on the Technology Acceptance Model (TAM), this research integrates user interface, user experience, and trust to examine their effects on perceived usefulness and perceived ease of use. Data were collected through an online questionnaire survey. A total of 267 questionnaires were returned, of which 212 valid responses were analyzed using SPSS statistical software. The findings reveal that user interface, user experience, and trust positively influence perceived ease of use, while user interface and user experience also have significant positive effects on perceived usefulness. Overall, the results suggest that a clear user interface, favorable user experience, and strong trust can enhance users’ positive attitudes toward mobile payment adoption. These findings not only provide practical implications for mobile payment service providers in strengthening their market competitiveness but also contribute to the development of sustainable digital payment systems aligned with ESG principles.

Key words: Mobile payment, Technology Acceptance Model, ESG, user interface