Web-mobilepaymenttransitionwhichallowsproviderstoextendincumbentonlinepaymentservicesfromwebtomobilecontextshasbecomeaglobalbusinesstrend(Wang,Shen,&Sun,2013).Webpay-ment(WP)serviceisatraditionalpaymentmethodwhichallowsuserstoadoptwiredterminalssuchasdeskcomputertoconductpaymentforgoods, bills, and services (Lu, Yang, Chau, & Cao, 2011). OriginallyextendedfromincumbentWPservice,mobilepayment(MP)serviceisanewpaymentmethodwhichenablesuserstoadoptmobileterminalssuchassmartphonestoconductpaymentforgoods,bills,andservices(Zhou,2013).TheonlinepaymentmarkethasemergedavarietyofMPservices,suchasApplePay,PayPal,AlipayWallet,andWeChatWallet(Sharma & Sharma, 2019). Despite promised benefits, providers stillstruggle to persuade users from incumbent WP services to new MPservices.ProvidersstarttoquestionthattheperformanceofMPmaysufferfromtheinertialuseofincumbentWPservices(Slade,Williams,Dwivedi,&Piercy,2015).Users’inertiacanbeintensive—eventhough