The application of artificial intelligence, represented by face recognition payment, has improved efficiency and optimized user experience, but it has also introduced various risks. In order to regulate its development, it is essential to investigate the factors that influence the adoption of face recognition payment. Current research on the impact of perceived risk facets on face recognition payment remains limited. This study, based on the UTAUT model, analyses the key factors influencing the intention to use face recognition payment (performance expectancy, effort expectancy, social influence, and facilitating conditions) and further examines the influence of five perceived risk facets (time risk, privacy risk, legal risk, financial risk, and health risk) on performance expectancy and effort expectancy. A structural equation analysis of 412 valid survey responses shows that the four factors in the UTAUT model have a significant positive impact on the behavioral intention to use face recognition payment. Privacy risk and financial risk are the facets of users' greatest concern, and both have a significant negative impact on performance expectancy and effort expectancy. This study identifies the specific mechanisms through which different risks affect the adoption of face recognition payment, providing reference and empirical evidence for its risk management and governance.

face recognition payment technology  /  UTAUT  /  perceived risk facets  /  behavioral intention