Abstract:

As 3G and 4G become commercial, mobile payment is developing It is important to know how to guide the users to use mobile payment based on their consumption habits, so nurturing mobile payment ecosystem and cultivating users’ mobile payment habits have become the key issue Based on the features of mobile payment, and combining with interviews, the formation of mobile payment habits is analyzed from three aspects of user’s demand, user’s experience and user’s social network The mobile payment habit formation model is built, and then the model is validated and analyzed by using amos 172 The results will provide an important reference for the cultivation of users’ payment behavior habits and help increase the size of mobile payment users

Key words: mobile payment, behavior habit, user’s demand, user’s experience, social network