Influence Characteristics of Electronic Payment Platform Service on User Behavior: Focusing on Chinese Users

In recent years, mobile payment has gained widespread popularity and has become the main payment method for many consumers in China. With the increase in user scale and usage frequency, the scale of mobile payment transactions will continue to grow in the future. This study aimed at investigating the impact of electronic payment platform service characteristics on customer usage intentions in a user-centered study in China. This study made use of SPSS 22.0 handles basic statistics, while the statistical tool Smart PLS 3.0 handles hypothesis testing. A survey of 70 people who used electronic payment platforms was conducted. Results of the study revealed that between electronic payment platform service characteristics, convenience, security, reliability, and reactivity. The impact on customer usage intention and usage behavior is as follows: characteristics, convenience, security, reliability, and reactivity of electronic payment platform services. The results of the survey showed that users\u27 attitudes towards usage and user behavior had a positive impact