Privacy concern in mobile payment : a diary study on users’ perception of information disclosure

Abstract

Providing transactions with a mobile device in various use contexts, mobile payment transactions have prompted privacy concerns. However, there is still little knowledge about how users’ perceptions match with the actual information disclosure in different payment scenarios in China. This study investigated users’ perceived information disclosure in different use contexts of mobile payment transactions using a diary method. The results revealed that participants had serious misperception of information disclosure in the offline transactions. Findings from this study provide directions to reduce the misconception about perceived information disclosure for better adoption of mobile payment services.