In recent years, the rapid development of the economy and the Internet has accelerated the upgrading of mobile devices, and third-party payment products have also developed rapidly with the pace of the times. With the rise of third-party payment, consumers use third-party payment to conduct transactions more and more frequently, and operational errors during the transaction process will also increase to varying degrees, resulting in varying degrees of consumption losses. Consumers pose perceived risk. Consumers' use of third-party payment software is increasingly diversified, but there are also some unpredictable risks. These factors have precisely led to users' subjective perception of many risks in the process of using third-party payment software, and these perceived risks have greatly affected user experience. At the same time, these risk factors also make consumers or potential users worry about their use. It can be seen that perceived risk has become an important factor hindering consumers from using mobile terminal APP.
This paper firstly summarizes the definition and dimension of consumer perceived risk on the basis of literature research, also clarifies the definition of mobile terminal app and the risk environment in the process of using the platform transaction, further proposes the consumer perceived risk evaluation system and risk measurement method, and establishes the risk research hypothesis and conceptual model. By listing the factors of consumers themselves and the characteristic factors of mobile terminal app platform, then establish the corresponding perceived risk evaluation system. This paper firstly summarizes the definition and dimension of consumer perceived risk on the basis of literature research, also clarifies the definition of mobile terminal app and the risk environment in the process of using the platform transaction, further proposes the consumer perceived risk evaluation system and risk measurement method, and establishes the risk research hypothesis and conceptual model. By listing the factors of consumers themselves and the characteristic factors of mobile terminal app platform, then establish the corresponding perceived risk evaluation system.This paper adopts the method of questionnaire survey, and obtains certain data. Through summarizing the types of perceived risks generated by consumers using these financial products, it conducts multi-dimensional analysis corresponding to different risk types, verifies the hypothesis model by obtaining the questionnaire results, and obtains the relationship between the factors of consumers themselves and the factors of mobile terminal app platform on perceived risks. In this paper, hypothesis verification is carried out on consumer factors and mobile terminal app platform factors on consumer perceived risk, and the impact of corresponding risk factors on perceived risk is obtained. Specifically, the security of mobile terminal app platform negatively affects privacy risk and technical operation risk. Platform privacy negatively impacts consumer privacy risk and psychological risk; The practicability of the platform negatively affects the psychological risk and technical operation risk of consumers. The convenience of the platform positively affects consumer financial risk and system security risk; At the same time, there is a positive correlation between consumer education and financial risk, and a significant negative correlation between technical operation risk and privacy risk. Consumer monthly income is positively correlated with privacy risk and system security risk. Consumer satisfaction is negatively correlated with system security risk, psychological risk and privacy risk. The service life of consumers has a significant negative impact on time risk and system security risk. On this basis, it is concluded that the mobile terminal app should strengthen the security of the platform, improve the security of the mobile terminal app system, maintain the privacy of consumers through strong technical means, and then improve consumers' trust in the platform. At the same time, the promotion of mobile terminal app should be increased, so as to improve the recognition of consumers. Reduce consumers' perceived risk of mobile terminal app financial service products.