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What drives consumers to use P2P payment systems? An analytical approach based on the stimulus–organism–response (S-O-R) model

Ana Irimia-Diéguez, Francisco Liébana-Cabanillas, Antonio Blanco-Oliver, Juan Lara-Rubio

European Journal of Management and Business Economics (2025) 34 (2): 149–173.

https://doi.org/10.1108/EJMBE-12-2022-0374

Published: 13 July 2023

...分析驅使消費者使用Bizum的成功因素 (Bizum 是一個在西班牙得到廣泛使用的P2P移動支付系統) 。本研究以刺激-有機體-反應模型為基礎, 建議了一個概念框架;研究亦擬分析感知風險的調節作用, 以及感知信任的中介效應。研究設計/方法/理念為達研究目標, 研究人員處理了701名西班牙智慧型手機使用者回答的網上問卷, 這些使用者是本研究提出的P2P支付系統的潛在用戶。研究結果研究結果顯示、感知有用性是消費者會否使用P2P支付系統最重要的預測因素。研究結果亦顯示、本研究建議的概念框架的預測能力水平屬中等。研究的原創性本研究使我們對驅使消費者使用P2P支付系統...

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