The Influence of Personalized AI on Users’ Intention to Continue Using Mobile Payments: A Contingency Perspective

Although the use of mobile payments has become increasingly prevalent, understanding the factors that persuade users to continue to rely on the transaction method remains limited. This study applied the Uses and Gratifications Theory and a contingency perspective to examine the relationship between personalized artificial intelligence and users’ intention to continue using mobile payments. Drawing on the contingency perspective, we also assessed four moderating factors: age, educational level, social network, and technological diversity. Using survey data collected from 515 Chinese users and applying hierarchical regression analysis, our results reveal that personalized artificial intelligence significantly enhances users’ intention to continue using mobile payments. Educational level, social network, and technological diversity also have a positive influence but age has a deterring effect. Our empirical findings constitute an academic contribution to a deeper understanding of the dynamics that persuade mobile payment users not to change their routine.