Understanding the Sustainable Usage Intention of Mobile Payment Technology in Korea: Cross-Countries Comparison of Chinese and Korean Users

Mobile payment (m-payment) enables consumers to perform their payment tasks via a mobile technology platform. In this study, we summarized, evaluated, and expanded upon the literature about m-payment usage intention by synthetically integrating the advantages of three information systems theories into an integrated model, which details the complementary relationship between the objective measures, subjective perception of m-payment services, and m-payment technology–task fit characteristics. Based on a sample of 908 individuals in two different Kakaopay user groups (467 Chinese Kakaopay users in Korea and 441 local Korean Kakaopay users) and the three-model integrated optimization, we integrated the unified theory of acceptance and use of technology model (UTAUT), the information systems success model (D&M ISS), and the task-technology fit model (TTF), considering moderating variables (Chinese and Korea experienced consumers) and multi-group analysis. We chose the factors influencing Chinese and Korean consumers’ usage intention as the research objects, and ultimately achieved our purpose of more accurately predicting consumer behavior patterns to expand the scale of potential Chinese consumers. The empirical results theoretically contribute to academic and practical solutions for the Korean m-payment product and help technology suppliers to stimulate the sustainable growth of Korean mobile payment consumer groups in Korea.