Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior
Table 1
Convergent validity.
Construct
Items
Loadings
CR
AVE
Cronbach alpha
Perceived usefulness (PU)
PU1: Using Alipay would enable me to pay more quickly. PU2: Using Alipay makes it easier for me to conduct transactions. PU3: Using Alipay would be advantageous.
0.946
0.946
0.853
0.914
0.915
0.909
Perceived ease of use (PEOU)
PEOU1: Alipay is easy to use. PEOU2: Alipay’s use is clear and understandable. PEOU3: Alipay transactions save me a lot of time and energy. PEOU4: It is easy to interact with Alipay.
0.944
0.933
0.778
0.905
0.868
0.859
0.854
Attitude (ATT)
ATT1: I am fascinated with the Alipay payment system. ATT2: I am enjoying using Alipay when shopping. ATT3: I am happy with the Alipay services. ATT4: I am pleased with Alipay for its privacy reason. ATT5: I am pleased with Alipay for its security reason. ATT6: Overall, I am satisfied with Alipay.
0.948
0.944
0.737
0.928
0.809
0.842
0.850
0.837
0.858
Subjective norms (SN)
BI1: The people whose opinions I value would agree with me using Alipay to buy products. BI2: Most of the people close to me think that I should use Alipay to buy products. BI3: My friends/peers urge me to use Alipay to buy products. BI4: The people I am close to would agree with me using Alipay to buy products.
0.944
0.929
0.766
0.898
0.843
0.855
0.855
Perceived behavioral control (PBC)
PBC1: Using Alipay is entirely within my control. PBC2: I have the resources to use Alipay. PBC3: I have the ability to use Alipay. PBC4: I see myself as capable of using Alipay. PBC5: If it were entirely up to me, I am confident that I will use Alipay.
0.959
0.940
0.758
0.919
0.851
0.830
0.856
0.849
Behavioral intention (BI)
BI1: I plan to use Alipay in the future. BI2: I intend to use Alipay when I purchase items. BI3: I plan to use Alipay frequently in my daily life.
0.955
0.948
0.859
0.918
0.920
0.905
Perceived trust (PT)
PT1: I think that Alipay will keep its promises and commitments. PT2: Alipay is trustworthy. PT3: I would consider Alipay to be honest. PT4: I think that Alipay is responsible.
0.952
0.945
0.812
0.923
0.883
0.897
0.870
Perceived service quality (PSQ)
PSQ1: Alipay anticipates and responds promptly to my needs as a user. PSQ2: Alipay meets my expectations. PSQ3: Alipay instills confidence in users by reducing uncertainty.
0.948
0.935
0.828
0.896
0.888
0.893
Use behavior (UB)
UB1: I use Alipay. UB2: I use Alipay to manage my e-wallet accounts. UB3: I use Alipay to do transactions. UB4: I sign up for Alipay that are specially designed for digital payment systems.
