Author(s)

Guo Cheng, Weiping Yu, Xu Zu, Bo Wu

Corresponding Author

Xu Zu

Abstract

Based on motivation theory and technology acceptance model, the social factors of network externality and subjective norms are introduced to construct the theoretical model of financial users' willingness to use continuously. The empirical results of the theoretical model are verified by the data collected from both the network and the field. The results show that: First, the network externality has a significant positive influence on perceived usefulness, perceived security, perceived ease of use, and subjective norms have a significant positive impact on perceived usefulness and perceived security. Second, perceived usefulness and perceived ease of use have a significant positive impact on financial APP users to continuous intentions. Third, perceived usefulness and perceived ease of use have a significant mediating effect in the pathways of network externality and subjective norms to continuous intentions.

Keywords

Network Externalities; Subjective Norms; Financial APP; Continuous Intentions