Table 1 Measurement item and source of variables
From: Consumer use intention of online financial products: the Yuebao example
Variable | Measurement item | Question item | Source |
|---|---|---|---|
Use Intention, UI | UI1 | I have used or will start using Yuebao soon. | |
UI2 | I intend to continue using Yuebao in the future. | ||
UI3 | I am willing to provide my bank card information to Yuebao. | ||
Ease of use, EU | EU1 | It is easy to learn how to use Yuebao. | (Pavlou 2003) |
EU2 | It takes less effort to master the operation of Yuebao. | ||
EU3 | It is easy to understand the operation steps and procedure of Yuebao. | ||
Relative Advantage, RA | RA1 | Compared to traditional financial products, Yuebao has low investment thresholds and thus improves the utilization rate of idle funds. | Â |
RA2 | Compared to traditional financial products, Yuebao has a higher return rate, faster liquidity, and lower risk. | ||
RA3 | Compared to traditional financial products, Yuebao is more convenient and faster. | ||
Compatibility, CO | CO1 | The use of Yuebao meets my financial management demand. | (Rogers 1995) |
CO2 | The use of Yuebao is suitable to my lifestyle. | ||
CO3 | The use of Yuebao is suitable to my product and service purchasing habit (e.g., online shopping). | ||
Perceived Risk, PR | PR1 | I am concerned that my personal information and bank card information will be leaked or stolen when I use Yuebao. | (Featherman & Pavlou 2003) |
PR2 | I am concerned that the Yuebao payment system is insecure. | ||
PR3 | I think it is risky to put money in Yuebao. | ||
Trust, TR | TR1 | Alipay is reliable. | (Pavlou 2003) |
TR2 | Alipay is credible. | ||
TR3 | Alipay cares about users’ benefits. |