TECHNOLOGY ACCEPTANCE AND RISK PERCEPTION AFFECTING CONSUMERS’ INTENTION OF PAYMENT BY SMART PHONE IN NAKHON SI THAMMARAT PROVINCE

Abstract

This research aimed to: 1) examine technology acceptance and perceived risk in smartphone payment among consumers in Nakhon Si Thammarat Province; and 2) investigate the effects of technology acceptance and perceived risk on consumers’ intention to make payments via smartphones in Nakhon Si Thammarat Province. The sample consisted of 385 consumers aged 20 - 60 years who had previously used smartphone payment services and resided in Nakhon Si Thammarat Province. Convenience sampling was employed. Data were collected using an online questionnaire. The statistical methods used for data analysis included frequency, percentage, mean, standard deviation, and multiple regression analysis. The results indicated that the majority of respondents were female (247 respondents), aged between 20 and 30 years (244 respondents), students (200 respondents), held a bachelor’s degree (238 respondents), and had a monthly income of less than 10,000 baht (204 respondents). Regarding technology acceptance and perceived risk in smartphone payment, perceived usefulness was rated at a high level ( = 4.29), followed by perceived ease of use. In terms of perceived risk, security risk was rated at the highest level ( = 3.55), followed by financial, performance, privacy, social, and time risks, respectively. The results of the multiple regression analysis revealed that technology acceptance and perceived risk had a statistically significant effect on consumers’ intention to make payments via smartphones at the 0.01 significance level. The model was able to explain 42.90% of the variance in consumers’ intention to make smartphone payments, with statistical significance at the 0.05 level.