The Mediating Role of Technology Self-efficacy in Understanding User Attitude Toward NFC-based Payment Service

Thanks to the spread of smartphones and the rapid technological advances of IoT (internet of things), devices capable of NFC payment services are rapidly increasing. However, the majority of users still prefer traditional credit cards and debit cards rather than contactless NFC payment services. This is a major crisis for service providers. However, academic research on NFC payment service has not been sufficiently conducted yet. In this study, an empirical test was conducted to understand consumer attitude and influencing factors of NFC payment service. The framework of this study was partially borrowed from the SCT (social cognitive theory) model. Particularly, technology self-efficacy of consumers who come into contact with new technology was used as a mediating variable of intention to use and perceived ease of use, transaction security, and service smartness as antecedents affecting self-efficacy. According to the implications of the study, NFC payment service providers should strive to provide more customer-oriented services. In other words, companies should provide smart and convenient services rather than emphasizing the technical merits of NFC payments.

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