A comparative study of China and US users' acceptance of online payment

China and US both have developed online payment services, which have their own features due to the two countries' different culture, policies, and technical features etc. Therefore, it contributes to the great difference in the online payment users' perceptions of their domestic online payment in the two countries. According to previous studies of the technology acceptance model and the diffusion model of new technologies, we took privacy concern, perceived risk, perceived security, trust, perceived ease of use, perceived usefulness into consideration, and studied their influence on users' attitudes towards online payment. Subsequently, this paper built the Online Payment Acceptance Model for American and Chinese online payment users on the basis of Technology Acceptance Model (TAM). The empirical results shows that the influence of perceived risk, perceived security, trust, perceived ease of use, perceived usefulness on users' attitudes towards online payment are similar in the two countries. And it is worth noting that the influences of privacy concern on users' attitudes towards online payment in the two countries are different. In US, it is shown that privacy concern has significant negative impact on users' attitudes towards online payment. However, in China, it is not only shown that privacy concern has positive impact on users' attitudes towards online payment, but also shown that the impact is not statistically significant.