Abstract:

In order to discuss the cognitive process and accepting process of consumers to the 3rd payments and find out the key factors to these constructions, the paper puts forward a technology acceptance model (TAM) to the 3rd payments by applying analyzing methods and theories of technology acceptance modelFurthermore, this paper proposes that the use of the 3rd payments by customers is affected by their willingness, which involves customers’ cognition to the 3rd paymentsThe study also gives several effective routes to the 3rd payments’ use by consumers

Key words: technology acceptance model, the 3rd payments, consumer cognition