Acceptance of Mobile Payment: A Cross-Cultural Examination Between Mainland China, Taiwan, and Germany

Abstract

This research paper examines the influence of cross-culture on the acceptance of mobile payment by evaluating a user acceptance model in three areas: Germany, Taiwan, and Mainland China. The study uses the Hofstede framework of cultural dimensions and the Unified Theory of Acceptance and Use of Technology (UTAUT) to analyze the impact of various factors on the acceptance of mobile payment. Preliminary results of the study indicate that national culture is a significant factor in the adoption of new technologies and suggest that the performance expectation, effort expectation, social influence, and perceived security can be used to understand the impact of culture on the acceptance of mobile payment. The results confirm that cultural dimensions such as uncertainty avoidance, individualism, and power distance are related to social influence and perceived security. The study suggest that national culture should be considered when launching new technologies.