Factors Impacting Students’ Behavioral Intention to Use Facial Recognition Payment on Campus in Sichuan
Abstract
This study aims to explore the factors influencing undergraduate students in Sichuan, China, in their use of facial recognition payments on campus. The researchers utilized the TAM combined with the UTAUT2 to design a theoretical model centered on analyzing undergraduate students' behavioral intentions to use facial recognition payments. Considering the millennials' openness to new technologies, concerns about financial services, and the widespread application of facial recognition payments in China, the researchers introduced variables such as perceived risk and habit. Through a questionnaire survey, the study selected 500 undergraduates with knowledge of computer science and experience using facial recognition technology for the investigation. This study employed CFA to examine the reliability and validity of the variables. Using SEM, the researchers assessed the model's fitness and the relationships between variables. The findings confirmed that trust, habit, perceived risk, and attitude significantly influence behavioral intention, with trust exerting the strongest positive effect, followed by attitude and habit, while perceived risk negatively influences behavioral intention. Moreover, perceived ease of use and perceived usefulness indirectly affect behavioral intention through attitude. To help operators of facial recognition payment systems understand the factors influencing customer usage, the researchers recommend that operators enhance the feasibility of their products and adopt practical measures to increase user convenience, thereby fostering more positive user attitudes toward the product. This study also validates the effectiveness of UTAUT2 in the field of facial recognition payment.
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