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This study looks at factors that influence user adoption of third-part-payment systems such as Alipay and PayPal. A research model and five hypotheses are proposed based on the Unified Theory of Acceptance and Use of Technology (UTAUT). These relate different factors to user adoption and form the basis of a survey which we present to a sample of 207 Chinese consumers. Our hypotheses are tested using a paired t-test with results revealing that, social influence, performance expectancy and facilitating conditions are the factors most likely to affect user adoption.

Factors Influencing the User Acceptance of Alipay