모바일 결제는 휴대폰과 같은 무선 단말기를 이용한 모바일 상거래가 활성화되는데 있어서 매우 중요한 부분을 차지하고 있으나 소비자의 모바일 결제 서비스의 이용의도에 대한 연구가 부족한 실정이다. 본 연구에서는 기존의 정보기술사용 관련 이론인 정보기술수용이론과 혁신확산이론을 토대로 하되 모바일 상거래의 중요한 특성(이동성)을 반영한 연구모형을 구성하고 모바일 결제 서비스의 이용의도에 미치는 결정요인을 파악하고자 하였다. 분석결과, 적합성, 신뢰, 지각된 유용성, 이동성 순으로 모바일 결제 서비스의 이용의도에 긍정적인 영향을 미치는 것으로 나타났으나 지각된 사용용이성은 비유의적인 영향을 미치는 것으로 나타났다. 특히 적합성은 모바일 결제 서비스의 유용성 지각과 사용용이성 지각의 형성에 대해서도 가장 중요한 영향요인인 것으로 분석되었다.

Mobile payments are an enabling technology for mobile commerce as well as for electronic commerce and their usage is therefore important for the success of emerging business. This study advocates the necessity to examine the factors influencing consumer's intention to use mobile payment services. We proposed a model regarding consumers' use of mobile payment services using two theories of information technology usage such as a technology acceptance model and an innovation diffusion theory and a mobile commerce related issue, mobility. The model was empirically tested using data collected from a survey of 272 Korean university undergraduate students. Using the multiple regression analysis we found that the intention to use mobile payment services was affected by compatibility, trust, perceived usefulness, mobility, but had no relationship with perceived ease-of-use. Among them, compatibility had the most significant impact on not only behavioral intention to use mobile payment services but also perceived usefulness and perceived ease-of-use.

Mobile payments are an enabling technology for mobile commerce as well as for electronic commerce and their usage is therefore important for the success of emerging business. This study advocates the necessity to examine the factors influencing consumer's intention to use mobile payment services. We proposed a model regarding consumers' use of mobile payment services using two theories of information technology usage such as a technology acceptance model and an innovation diffusion theory and a mobile commerce related issue, mobility. The model was empirically tested using data collected from a survey of 272 Korean university undergraduate students. Using the multiple regression analysis we found that the intention to use mobile payment services was affected by compatibility, trust, perceived usefulness, mobility, but had no relationship with perceived ease-of-use. Among them, compatibility had the most significant impact on not only behavioral intention to use mobile payment services but also perceived usefulness and perceived ease-of-use.

Technology acceptance model, Innovation diffusion theory, mobility, mobile payment service