老年人移动支付接受行为及其生活满意度
文献类型：学位论文
| 作者 | 张金凤 |
| 答辩日期 | 2022-06 |
| 文献子类 | 继续教育硕士 |
| 授予单位 | 中国科学院大学 |
| 授予地点 | 中国科学院心理研究所 |
| 其他责任者 | 韩布新 |
| 关键词 | 老年人 移动支付技术接受模型 影响因素 生活满意度 |
| 学位名称 | 理学硕士 |
| 学位专业 | 健康心理学 |
| 其他题名 | Older adults' mobile payment acceptance behavior and life satisfaction |
| 中文摘要 | With the rapid development of China's mobile Internet and the popularity of smart phones and other mobile terminals, mobile payment has become an indispensable and convenient way in people's life. 86% of Chinese people use mobile payment, the highest penetration rate in the world. Compared with other age groups, the penetration rate of mobile payment in the older adults is still low, so how to integrate mobile payment service into the life of the older adults is still a difficult problem. In order to effectively solve the digital usage gap of the older adults in the post-epidemic era, it is urgent to explore what factors affect the mobile payment acceptance behavior of the older adults and the influence of mobile payment use behavior on the life satisfaction of the older adults. The first study investigated the older adults in Beijing urban area who had used mobile payment, and the test items of the questionnaire were derived from previous classical literatures. Based on literature research on technology acceptance behavior and from the perspectives of mobile payment technology characteristics, individual characteristics and social influence, the influencing factors model of the older adults' behavioral intention to use mobile payment was established and the mechanism of perceived usefulness, perceived ease of use and cognitive ability was discussed. 147 older adults who have not used mobile payment were added in the second study. The simple life satisfaction scale was used to investigate the life satisfaction of the older adults. Compare the difference between life satisfaction of mobile payment users and non-users, and further explore the relationship between mobile payment use behavior and life satisfaction of the older adults. The results of the first study showed that perceived usefulness and social influence are the direct influencing factors of the older adults' behavioral intention to use mobile payment, the results of path coefficient show that perceived usefulness is the greatest influence, followed by social influence. The direct effect of perceived ease of use on behavioral intention is not significant, but indirectly through perceived usefulness. Perceived risk and cognitive ability have no significant influence on the older adults' behavioral intention to use mobile payment. The results of the second study show that there is a significant difference in life satisfaction between mobile payment users and non-users. Compared with non-mobile payment users, the life satisfaction of the older adults using mobile payment is higher. Mobile payment use frequency can positively predict life satisfaction of the older adults. Conclusion: This study provides empirical support for promoting the acceptance of new technologies in the older adults. "Convenience and usefulness" is the key factor for the older adults to accept mobile payment. With the increase of older adults' experience, the effect of perceived ease of use on the behavioral intention to use mobile payment may weaken. The risk perception of the elderly on mobile payment does not affect their acceptance of this service. To some extent, the use of mobile payment services by the older adults can improve their life satisfaction. |
| 英文摘要 | 随着中国移动互联网飞速发展和手机等移动终端普及，移动支付已成为生活中不可或缺的便捷方式。中国使用移动支付人口比例高达86%，普及率世界第一。相比其他年龄段人口，移动支付在老年人群中普及率低，如何将移动支付融入老年人生活仍是难题。为切实解决后疫情时代老年人数字使用鸿沟问题，现阶段迫切需要探究是哪些因素影响老年人接受移动支付以及移动支付使用行为与其生活满意度的关系。 研究一考察已使用过移动支付的北京城区老年人，问卷测试题项源于以往经典文献。基于技术接受文献研究，结合移动支付技术特点、个体特征和社会影响三方面视角，建立老年人移动支付使用意愿模型并探讨感知有用性、感知易用性和认知能力等因素的作用机制。研究二再增加147名尚未使用移动支付的老年人，采用简版生活满意度量表考察老年人的生活满意度。比较移动支付用户和非用户的生活满意度是否存在差异，进一步探讨移动支付使用行为和老年人生活满意度的关系。 研究一结果表明，感知有用性和社会影响是老年人移动支付使用意愿的直接影响因素，从路径系数结果得出感知有用性影响程度最大，其次是社会影响因素。感知易用性对使用意愿影响的直接效应不显著，而是通过感知有用性间接影响使用意愿，感知风险性和认知能力对老年人移动支付使用意愿影响不显著。研究二结果表明，移动支付用户和非用户的生活满意度差异显著，与非移动支付用户相比，使用移动支付老年人的生活满意较高；移动支付使用频率正向显著预测老年人生活满意度。 结论：本研究为促进老年人接受新事物和新技术提供了实证支持。“方便有用”是老年人接受使用移动支付的关键要素。随着使用经验增加，感知易用性对老年人移动支付使用意愿作用可能弱化。感知风险性可能并不影响老年人接受使用移动支付。老年人使用移动支付可能有助于提高其生活满意度。 |
| 语种 | 中文 |
| 源URL | [http://ir.psych.ac.cn/handle/311026/45048]  |
| 专题 | 心理研究所_健康与遗传心理学研究室 |
| 推荐引用方式 GB/T 7714 | 张金凤. 老年人移动支付接受行为及其生活满意度[D]. 中国科学院心理研究所. 中国科学院大学. 2022. |
入库方式： OAI收割
来源：心理研究所
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