Many Internet-based services have already been ported to the mobile-based environment, embracing
the new services is therefore critical to deriving revenue for services providers. Based on a valence
framework and trust transfer theory, we developed a trust-based customer decision-making model of
the non-independent, third-party mobile payment services context. We empirically investigated
whether a customer’s established trust in Internet payment services is likely to influence his or her initial
trust in mobile payment services. We also examined how these trust beliefs might interact with both
positive and negative valence factors and affect a customer’s adoption of mobile payment services. Our
SEM analysis indicated that trust indeed had a substantial impact on the cross-environment relationship
and, further, that trust in combination with the positive and negative valence determinants directly and
indirectly influenced behavioral intention. In addition, the magnitudes of these effects on workers and
students were significantly different from each other.