This study aimed to examine the effects of perceived risk, perceived benefits, and trust on consumers’ intention to use mobile payment, or m‐payment. In addition, different effects of some demographic factors (e.g., income, age, education) on m‐payment usage were examined. The sample of 457 respondents was used to analyze the causal relationships between the variables and the mean differences of demographic factors in consumer intention to use m‐payment. The results supported the negative relationship between perceived risk, trust, and consumer intention to use m‐payment. A positive relationship between perceived benefits and trust was found. This study revealed that trust mediated consumer intention to use m‐payment. In individual differences of m‐payment adoption, education influenced the relationship between perceived risk and intention to use m‐payments as well as the relationship between trust and intention to use m‐payment. This study provided insights into consumer differences regarding m‐payment adoption and the mediating role of trust between perceived benefits, perceived risk, and intention to use m‐payment.

Understanding healthcare performance from the patient's perspective has attracted more attention from the scholars and practitioners as consumers are becoming the driving force to the innovation of healthcare delivery in the knowledge economy (Morath 2003; Scott 2003). However, most of the studies have been constrained in the methods by which the clinical professionals assess what they perceived as the patient's value. This research attempts to examine the constructs for the conceptualization of patient value and its relationship with patient satisfaction. The results indicate that the providers' skills and knowledge and their respectful communication with the patients are the most important. These attributes followed by the providers' level of empathy and attention and the physical environment factors.

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