Understanding College Student’ Acceptance Of Online Credit Offering Services In China

With the rapid economic growth in China, peoples’ consumption behavior is constantly changing. The online credit offering service is playing a more and more important role in China. In this paper, we aim to understand college students’ acceptance of online credit offering services in China. A research model based on technology acceptance model (TAM) with six research hypotheses is proposed. And an empirical study with 239 subjects was conducted to test this model. According to the results, 4 of 6 hypotheses were supported. The results indicated that both perceived usefulness and subjective norm directly affected college students’ behavior intention to use online credit offering services significantly

Digital Inequality in the Use of Mobile Business Supporting Features

Today, Internet has become an essential part of peoples’ daily lives. As the advancement of Internet technology, the phenomenon of digital inequality has received substantial attention. This study extended research on digital inequality to the field of mobile business. The paper aimed to investigate the impact of digital inequality in the use of mobile business supporting features in China. To address this, an empirical study with 258 subjects was carried out. The results indicated that perceived ease of use had a significant positive effect on the use of mobile business supporting features, while perceived risk had a significant negative effect on the use of mobile business supporting features. Furthermore, this study also revealed that socio-economically disadvantaged individuals were more likely to be influenced by perceived risks, while socio-economically advantaged individuals were more likely to be influenced by the utilitarian motivations