中文摘要：

考虑到＂信任＂和＂安全＂的问题影响着用户对移动支付的使用情况,本文采用实验方法 ,根据知名度、支付额度和补偿度3个因子,建立了用户信任和安全因子对于用户支付意愿的影响模型。研究结果显示：感知信任和感知安全会影响使用意愿,且感知安全会影响感知信任。而这3个因子中,知名度通过感知安全影响使用意愿;补偿度既会影响用户感知安全,也会影响感知信任,但不会直接影响使用意愿。支付额度虽然对用户没有直接影响,但是其与知名度以及支付额度与补偿度的交互作用,会对用户的感知信任、感知安全和使用意愿产生影响。对此,提出以下建议：鼓励支付公司开发移动支付的业务;低知名度的支付公司可以优先推广低支付额度的业务,再逐渐提高用户的信任和使用意愿;发生安全威胁时,应考虑提供用户补偿,从而提高用户对公司的信任和使用意愿。

英文摘要：

Considering that trust and safety issues influence users＂ mobile payment decisions, this paper conducted experimental methods to construct a model of the influences of trust factors and safety factors on users＂ willingness to use mobile pay- ment, based on the three factors of popularity, pay amount and compensation. Results showed that perceived trust and per- ceived safety would influence willingness to use mobile payment and perceived safety would influence perceived trust. As for the three factors, popularity would influence willingness via perceived safety; compensation would influence perceived safety and perceived trust but wouldn＇t influence willingness directly; pay amount had no direct influence on users＂ per- ceived safety, perceived trust or willingness, but its interaction with popularity, pay amount and compensation would influ- ence users＂ perceived trust, perceived safety and willingness. Therefore, we proposed the following suggestions that payment companies should be encouraged to develop the mobile payment businesses, low-popularity payment companies should preferentially promote low pay amount businesses and then gradually improve users＂ trust and willingness, and when meet- ing with safety risks, companies should consider compensation for users to improve users＂ perceived trust and willingness.