Abstract: The Internet has immerged into the traditional financial industry due to its rapid development ,giving some influence upon the payment ways of traditional financing and forming diversified payment methods.therefore,it is crucial to study customer preference in choosing mobile payment ways during shopping activies.This paper is in an attempt to qualitatively analyze the customers' preference to either the traditional way or the third electronic payment by selecting the samples and using the construction formula methodology. With the assistance of that, we can get the factors affecting people's choices. This paper concludes that our clients' choices are determined by personality's features, systematic factors and social factors. All these factors may indirectly influence the benefits and risks of loss.Besides, the sensitivity of gains and losses is linked with payment experience in making choice of mobile payment ways.

Key words: mobile payment, technological inclusiveness, construction formula, second order adjustment