1. 王怡舜、廖奕雯，2004， “運用模式比較法探討影響消費者行動銀行使用意願之因素”，資訊管理展望，六卷，二期。2. 吳立偉、張國雄、鍾沛蔓，2011，“認知價值、關係品質與忠誠階段之探討”，台灣管理學刊，11卷，1期，頁1~28，2月。
3. 吳明隆，2007，SPSS統計應用學習實務：問卷分析與應用統計，三版，加樺國際，台北。
4. 李明德，曾俊欽，2002，科技客服－客服中心的系統建置，台灣培生教育出版社，台北。
5. 李城忠，沈德裕，2007，“運動觀光特色對遊客認知價值與滿意度影響之研究－以日月潭萬人泳渡為例”，人文暨社會科學期刊，3卷，1期，頁17~26，6月1日。6. 李德治，童惠玲，2009，多變量分析：專題及論文常用的統計方法，雙葉書廊，台北。
7. 林心慧，欒斌，2006，“顧客導向觀點之行動服務系統成功概念模式”，行銷評論，3卷，1期，頁609~632。8. 倪安順，2009，“港埠物流鏈顧客知覺價值、滿意度、信任、忠誠度關係研究”， 航運季刊，18卷，4期，頁45 -74，12月31日。9. 張力元，2007，顧客服務管理 : CRM實戰理論與實務，華泰文化，台北。
10. 張育瑋、許秉瑜、蕭文龍、鄭雲珊，2011，“資訊系統的認知價值對使用者滿意度之影響：以期望確認模式為基礎”，科技管理學刊，16卷，2期，頁1~24，6月。11. 張國忠、劉娜婷、柯麗蓉、鄭敏媛，2006，“銀行業客服中心之服務功能對顧客認知價值與行為意向之影響研究”，管理與系統，13卷，2期，頁201~220，4月。12. 張淑青，2006，“顧客忠誠驅動因子之研究－顧客知覺價值的關鍵角色及顧客滿意與信任的中介影響”，輔仁管理評論，13卷，1期，頁107~132，1月1日。13. 曾世忠，2003，效率客服：客服中心的程序規劃，培生教育出版社，台北。
14. 葉美玲，高美玲，1999，“結構方成模事與線性結構關係之簡介”，護理研究，7卷，5期，頁490~497。15. 蘇聖珠，張馨云，2007，“連鎖加盟服務業商店形象、服務品質及認知價值對滿意度及忠誠度模式之比較分析－以服飾業及美髮業為例”，全球管理與經濟，3卷，1期，頁23~37，6月1日。英文部分：
1. Anand, S., Naik, M., Yang, H., Harrold, M. J., 2012, “Automated Concolic Testing of Smartphone APP.”in: Proceedings of the 20th International Symposium on the Foundations of Software Engineering, FSE-20.
2. Anderson, J. C., Jain, D., ＆ Chintagunta, P. 1993, “Customer Value Assessment in Business Markets: A State of Practise Study.” Journal of Business to Business Marketing, vol. 1, no. 1, pp.1-29.
3. Anton, J., 2000,“The Past, Present, and Future of Customer Access Centers.” International Journal of Service Management, vol. 11, pp. 120-130.
4. Anderson, E.W. &; Sullivan, M.W. 1993, “The Antecedents and Consequences of Customer Catisfaction for Firms.” Marketing Science, vol. 12, no. 2, pp.125-143.
5. Babin, J. B. &; Darden,W.R. , 1995, “Consumer Self-regulation in a Retail Environment.” Journal of Retailing, vol. 71, pp.47-70.
6. Barnes, J.G., 2000, “Secrets of Customer Relationship Management: It’s All About How you Make Them Feel.” McGraw-Hill, New York.
7. Bendapudi, N., &; Berry, L. L., 1997, “Customers Motivations for Maintaining Relationships with Service Providers.” Journal of Retailing, vol. 73, no. 1, pp. 15-38.
8. Bitner, M.J., Boom, B.H., &; Tetreault, M.S., 1990 “The Service Encounter: Diagnosing Favorable and Unfavorable Incidents.”Journal of Marketing, vol. 54, pp. 71-84.
9. Bolton, R. N., &; Drew, J. H., 1991,“A Multistage Model of Consumers’ Assessments of Service Quality and Value.”Journal of Consumer Research, vol. 17, pp. 375-384.
10. Bond, E. J., 1983, Reason and Value, Cambridge, UK:Cambridge University Press.
11. Brynjolfsson, E. and Smith, M., 2000, “ Frictionless Commerce? A Comparison of Internet and Conventional Retailers.” Management Science, vol. 46, no. 4, pp.563-585.
12. Chang, T. Z., Wildt- Price, A. R., 1994,“Product Information, and Purchase Intention: An Empirical Study.”Journal of the Academy of Marketing Science, vol. 22, pp. 16–27.
13. Chang, T.R., Kaasinen, E., &; Kaipainen, K., 2012, “What Influences Users' Decisions to Take APP Into Use? A Framework for Evaluating Persuasive and Engaging Design in Mobile APP for Well-being.” Proceedings of the 11th International Conference on Mobile and Ubiquitous Multimedia, no. 2.
14. Chen,Z.S., LI,R.,Chen,X., &; XU, H., 2011, “A Survey Study on Consumer Perception of Mobile-Commerce APPlications. “ Procedia Environmental Sciences,vol. 11,pp. 118-124.
15. Chang, R.S., Chang, L.W., &;Deng, D.J., 2012, “Android Mobile Position and Care APP Utilizing Smartphone Short Message Service.” Lecture Notes in Electrical Engineering, vol. 182, pp. 303-310.
16. Chiou, J. S., 2004,“The Antecedents of Consumers’ Loyalty toward Internet Service Providers.”Journal of Information &; Management, vol. 41, no. 6, pp. 685-695.
17. Chiu, C. M., Hsu, M. H., Sun, S. Y., Lin, T. C., &; Sun, P. C., 2005, “Usability, Quality, Value and E-Learning Continuance Decisions.”Computers &; Education, vol. 45, no. 4, pp. 399-416.
18. Churchill, G. A., &; Surprenant, C., 1982,“An Investigation Into The Determinants of Customer Satisfaction.”Journal of Marketing Research, vol. 19, no. 24, pp. 491-504.
19. Cretu, A. E., &; Brodie, R. J., 2007,“The Influence of Brand Image and Company Reputation Where Manufacturers Market to Small Firms: A Customer Value Perspective.”Industrial Marketing Management, vol. 36, pp. 230-240.
20. Cronin, J. J., Brady, M.K., &;. Hult, G.T.M., 2000,“Assessing the Effects of Quality, Value, and Customer Satisfaction on Consumer Behavioral Intentions in Service Environments.”Journal of Retailing, vol. 76, pp. 193-218.
21. Culnan, M. J. and Armstrong, P. K., 1999, “Information Privacy Concerns,Procedural Fairness, and Impersonal Trust: An Empirical Investigation.”Organization Science, vol. 10, no. 1, pp. 104-115.
22. Day, G. D., 1990, Market Driven Strategy, New York, NY:Free Press.
23. Day, G. S., 2000,“Managing Market Relationships.”Journal of Academy of Marketing Science, vol. 28, no. 1, pp. 24-30.
24. Deng, Z., Lu, Y., Wei, K. K., &; Zhang, J., 2010,“Understanding Customer Satisfaction and Loyalty: An Empirical Study of Mobile instant Messages in China.”International Journal of Information Management, vol. 30, no. 4, pp. 289-300.
25. Feinberg, R. A., Trotter, M., &; Anton, J., 2000,“Anytime, Anywhere, Anyhow, in Anderson Consulting (Eds.), Defying the Limits, Montgomery Research.”San Francisco, CA: Montgomery Research Inc., pp. 297-303.
26. Frondizi, R. 1971, What’s value? Lasalle, IL, Open court Publishing company.
27. Gale, B. T., 1994, “Managing Customer Value: Creating Quality andService That Customers Can See.” New York, The Free Press.
28. Ghosh, A. K. and Swaminatha, T. M., 2001, “Software Security and Privacy Risks in Mobile E-Commerce.” Communications of the ACM, vol. 44, no. 2, pp. 51-57.
29. Gilmore, A., &; Carson, D., 1993,“Enhancing Service Quality the Case of Sealink Stena.” Irish Marketing Review, vol. 6, no. 1, pp.64-69.
30. Goldman, C., 2000, “Anywhere, Anytime, Anydevice?” Wireless Review, Vol. 1, no. 2, pp. 1-2.
31. Grewal, D., Monroe, K. B., &; Krishnan, R., 1998,“The Effects of Price-Comparison Advertising on Buyers’ Perceptions of Acquisition Value, Transaction Value, and Behavioral Intentions.”Journal of Marketing, vol. 62, pp. 46-59.
32. Gronholdt, L., Martensen, A., &; Kristensen, K., 2000,“Customer Satisfaction Measurement at Post Demark:Results of APPlication of the European Customer Satisfaction index Methodology.”Total Quality Management, vol. 11, no. 7, pp. 1008.
33. Gronroos, C., 1983,“Innovative Marketing Strategies and Organization Structures for Service Firm.”Emerging Perspectives on Services Marketing, AMA, pp. 9-12.
34. Hair, J. F. Jr., R.E. Anderson, R.L. Tatham, and W.C. Black,“Multivariate Data Analysis”, 5th ed., Prentice-Hall,Englewood Cliffs, NJ, 1998
35. Han, J., Han, D., 2001,“A Framework for Analyzing Customer Value of Internet Business.”Journal of Information Technology Theory and APPlication, vol. 3, no. 5, pp. 25-38.
36. Harnish,D., Ling,C., &; Shehab,R., 2012,“Leveraging the Use of Mobile Applications to Increase Knowledge Retention in a Classroom Lecture.” Proceedings of the Human Factors and Ergonomics Society, pp. 610-614.
37. Hassenzahl,M. ,Tractinsky,N. , 2006, “User experience: a research agenda”Behavior of Information and Technology, vol. 25, no. 52, pp. 91-97.
38. Hoffman, D., Novak, T., and Peralta, M., 1999, “ Building Customer Trust Online” Communications of the ACM, vol. 42, no. 4, pp.54-57.
39. Holbrook, M. B., 1999,“Introduction to Consumer Value,” in Morris B. Holbrook （eds）Consumer Value: A Framework for Analysis and Research, Routledge, New York, pp. 1-28.
40. Holbrook, M.B. and Hirschman, E.C. 1982, “The Experiential Aspects of Consumption:Consumer Fantasies, Feelings, and Fun, ”Journal of Consumer Research vol. 9, no. 2, pp. 132-140.
41. Holzer, A., &; Ondrus, J., 2011. “Mobile Application Market: A Developer's Perspective.”Telematics and Informatics, vol. 28, pp. 22-31.
42. Hsieh,M.Y.,2013, ”Inquiring the Potential Determinants of the "APP" Economic Added Value on the Developed Investigation of Taiwanese ICT Market.”Advances in Information Sciences and Service Sciences, vol 5, Issue 2, pp. 726-734.
43. Huang,C.Y., &; Ting,Y.H.,2012, “Derivations of Factors Influencing the Word-of-Mouth Marketing Strategies for Smart Phone Applications by Using the Fuzzy DEMATEL Based Network Process.”International Conference on Fuzzy Theory and Its APPlications, iFUZZY, no. 6409673, pp. 42-47.
44. Jeng, S. P., 2008,“Effects of Corporate Reputations, Relationships and Competing Suppliers’Marketing Programmes on Customers’Cross-buying Intentions.”The Service Industries Journal, vol. 28, no. 1, pp. 15-26.
45. Jöreskog, K. G., &; Sörbom, D., 1993, LISREL 8: User’s guide. Chicago, International Educational Services.
46. Kalakota and Robinson., 2001, “M-Business：The Race To Mobility.” McGraw-Hill Publishing Company。
47. Kamakura, W. A., Sridhar N. R., &; Rajendra K. S., 1991,“APPlying Latent Trait Analysis in the Evaluation of Prospects for Cross-selling of Financial Services.”International Journal of Research in Marketing, vol. 8, pp. 329-349.
48. Karatzoglou, A., Baltrunas, L., Church, K., &; Böhmer, M., 2012, ” Climbing the APP Wall: Enabling Mobile APP Discovery Through Context-aware Recommendations.” ACM International Conference Proceeding Series, pp. 2527-2530.
49. Kleijnen, M., Ruyter, K. D., Wetzels, M., 2007,“An Assessment of Value Creation in Mobile Service Delivery and The Moderating Role of Time Consciousness.”Journal of Retailing, vol. 83, pp. 33-46.
50. Kotler, P., 1999, Marketing Management. 7th Ed., Prentice- Hall, pp. 455-459.
51. Kumar, V., George, M., &; Pancras, J., 2008),“Cross-buying in Retailing: Drivers and Consequences.”Journal of Retailing, vol. 84, no. 1, pp. 15-27.
52. Liao,Z.X., Lei,P.R., Shen, T.J., Li, S.C., &; Peng,W.C., 2012,” Mining Temporal Profiles of Mobile Applications for Usage Prediction .“ Proceedings - 12th IEEE International Conference on Data Mining Workshops, no.6406538, pp.890-893.
53. Lin, H. H., &; Wang, Y. S., 2006,“An Examination of the Determinants of Customer Loyalty in Mobile Commerce Contexts.”Information &; Management, vol. 43, no. 3, pp. 271-282.
54. Liu, T. C., &; Wu, L. W., 2007,“Customer Retention and Cross-buying in the Banking Industry: An integration of service attributes, satisfaction and trust.”Journal of Financial Services Marketing, vol. 12, no. 2, pp. 132-145.
55. Lu, H. P., &; Hsiao, K. L., 2010,“The Influence of Extro/Introversion on the Intention to Pay for Social Networking Sites.”Information &; Management, vol. 47. no. 3, pp. 150-157.
56. Marianna, S., 2006,“Mass Customisation Implementation Models and Customer Value in Mobile Phone Services.”Managing Service Quality, vol. 16, no. 4, pp. 395-420.
57. Martin, W.B., 1986.“Defining What Quality Service is for you.”Cornell Hotel and Restaurant Administration Quarterly, vol. 26, pp. 32-38.
58. Mathwick, C., Malhotra, N. K., &; Rigdon, E., 2002,“The Effect of Dynamic Retail Experiences on Experiential Perceptions of Value: an Internet and Catalog Comparison.”Journal of Retailing, vol.78, pp. 51-60.
59. Mathwick, C., Naresh, M., Edward, R., 2001,“Experiential value: Conceptualization, Measurement and Application in the Catalog and Internet Shopping Environment.” in Journal of retailing, vol. 77, pp. 39-56.
60. Mathwick, C. , Malhotra, N. and Rigdon, E. 2001, “Experiential Value:Conceptualization, Measurement and Application in the Catalog and Internet Shopping Environment.” Journal of Retailing, Vol. 77, No. 1, pp. 39-56.
61. Mattila, K.V.V., &; Ahmet, Z., 2012, “ End-user Recommendations of Mobile Services: From Physical Encounters to Digital Service Sharing.” Proceedings of the 16th International Academic MindTrek Conference, pp. 154-157.
62. Michael,A., Inke,T., Michael,L., &; Bartosch ,B.,2012, “Mobile Application Marketplaces - an Investigation from Customers' Perspective.” MKWI 2010 – Software-Industrie , pp. 541-554.
63. Monroe, K. B., &; William, B. D., 1985,“The Effect of Brand and Price in Formation on Subjective Product Ealuations.”Advances in ConsumerResearch, vol. 12, no. 1, pp. 85-90.
64. Monroe, K.B. &; Krishnan, R., 1985, “The Effect of Price on Subjective Product Evaluations. ” In Perceived Quality, Jacoby, J. and J. Olson, ed.Lexington, MA:Lexington Books.
65. Mueller, R. O., 1996, “Basic Principles of Structural Equation Modeling: An Introduction to LISREL and EQS.” NY: Springer.
66. Naumann, E. 1995, “Creating Customer Value: The Path to Sustainable Competitive Advantage.”International Thomson Publishing, Cincinnati, OH.
67. Ngobo, P. V., 2004,“Drivers of Customers’Cross-buying Intentions, European.” Journal of Marketing, vol. 38, no. 9, pp. 1129-1157.
68. Nielsen, J. 1993, “Usability Engineering.” San Diego: Academic Press.
69. Oh, H., 1999,“Service Quality, Customer Satisfaction, and Customer Value: A holistic Perspective.”International Journal of Hospitality Management, vol. 18, no.1, pp. 67-82.
70. Oliver, R. L., 1999,“Whence Consumer Loyalty.”Journal of Marketing, vol. 63, no. 4, pp. 33-44.
71. Palmer, J.W., &; Griffith, D. A., 1998,“An Emerging Model of Web Site Design for Marketing.”Communications of the ACM, vol. 41, no. 3, pp. 44-51.
72. Palmroth, W., 1991,“Always Remember the Six Buyer Benefits; Qualiities Buyers Look for in a Product.”American Salesman, vol. 36, no. 9, pp.12-18.
73. Parasuraman, A. &; Grewal, D., 2000,“The Impact of Technology on the Quality-value- loyalty Chain: A Research Agenda.”Journal of the Academy of Marketing Science, vol. 28, no. 1, pp. 168-174.
74. Patterson, P.G., &; Spreng, R. A., 1997,“Modeling the Relationship Between Perceived Value, Satisfaction and Repurchase Intentions in a Business-to-Business, Services Context: An Empirical Examination.”The International Journal of Service Industry Management, vol. 8, no. 5, pp. 415–432.
75. Pavlou, P. A., 2003,“ Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model.” International Journal of Electronic Commerce, vol. 7, no. 3, pp. 101-134.
76. Perry, Ralph barton, 1954, Realms of value, Cambridge, MA:Harvard university Press.
77. Petrick, J. F., 2002,“Development of Multi-Dimensional Scale for Measuring the Perceived Value of a Service.”Journal of Leisure Research, vol. 34, no. 2, pp.119-132.
78. Polonsky, M. J., Cameron, H., Halstead, S., Ratcliffe, A., Stilo, P., &; Watt, G., 2000, “Exploring Companion Selling: Does the Situation Affect Customers’Perceptions?”International Journal of Retail and Distribution Management, vol. 28, no. 1, pp. 37-45.
79. Porter, M. E. 1980, Competitive Strategy, New York, NY:Free Press.
80. Pura, M., 2005, “Linking Perceived Value of and Loyalty to Mobile Services.”Proceedings of ANZMAC Conference, Dec 1-3, Adelaide.
81. Reinartz, W., &; Thomas, J. S., 2001, “Modeling the Firm - Customer Relationship.“ Working Paper, INSEAD, Fontainebleau.
82. Reinartz, W., Thomas, J. S., &; Bascoul, G., 2008,“Investigating Cro and Customer Loyalty.”Journal of Interactive Marketing, vol. 22, no. 1, pp. 5-20.
83. Richins, M ., 1999, “ Possessions, Materialism, and Other-Directedness in the Expression of Self in Morris B. Holbrook (eds). Consumer Value: A Framework for Analysis an Research. Routledge. ” New York, pp. 85-104.
84. Rokeach, M. J., 1973, “The Nature of Human Values.” New York, The Free Press.
85. Sasser, W. E., Olsen, R. P., &; Wyckoff, D. D., 1978, “ Management of Service Operation: Text, Cases, and Reading. ” New York: Allyna and Bacon.
86. Selnes, F., 1998,“Antecedents and Consequences of Trust and Satisfaction inBuyer-seller Relationships.”European Journal of Marketing, vol, 32. no. 3.4, pp. 305-322.
87. Sheshunoff, A., 1999,“Winning CRM Strategies.”ABA Banking Journal, vol. 91. no. 10, pp.54-66.
88. Sheth, J. N., Newman, B. I., &; Gross, B. L., 1991a,“Why We Buy What We Buy: a Theory of Consumption Values.”Journal of Business Research, vol. 22, pp. 159-170.
89. Sheth, J.N., Newman, B.I. and Gross, B.L., 1991b, “Consumption Values and Market Choices: Theory and APPlications.” South-Western Publishing, Cincinnati.
90. Slywotzky, A., 1996, “Value Migration: How To Think Several Moves Ahead Of The Competition, Boston.” MA: Harvard Business School Press.
91. Smith, J. B., &; Colgate, M., 2007,“Customer Value Creation: A Practical Framework.”Journal of Marketing Theory and Practice, vol. 15, no. 1, pp. 7-23.
92. Soureli, M., Lewis, B. R., &; Karantinou, K. M., 2008,“Factors that Affect Consumers’ Cross-buying Intention: A model for Financial Services.”Journal of Financial Services Marketing, vol. 13, no. 1, pp. 5-16.
93. Suh, B. and Han, I., 2003, “ The Impact of Customer Trust and Perception of Security Control on the Acceptance of Electronic Commerce.” International Journal of Electronic Commerce, vol. 7, no. 3, pp. 135-161.
94. Sweeney, J. C., Soutar, G. N., &; Johnson, I. W., 2001,“Consumer Perceived Value: Development of a Multiple Item Scale.”American Marketing Association conference Proceedings, vol. 9, pp. 138.
95. Sweeney, J. C., Soutar, G. N., &; Johnson, L.W., 1999,“The Role of Perceived Risk in the Quality-Value Relationship: a Study in a Retail Environment.”Journal of Retailing, vol. 75, no. 1, pp.77-105.
96. Tiwari, R. and Buse, S. (2007), “The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector. ” Hamburg: Hamburg University Press.
97. Ulaga, W., &; Chacour, S., 2001,“Measuring Customer Perceived Value in Business Markets: A Prerequisite for Marketing Strategy Development and Implementation.” Industrial Marketing Management, vol. 30, pp. 525-540.
98. Vasa, R., Hoon, L., Mouzakis, K., &; Noguchi, A., 2012, ”A Preliminary Analysis of Mobile APP User Reviews.” Proceedings of the 24th Australian Computer-Human Interaction Conference, pp. 241-244
99. Verhoef, P. C., &; Donkers, B., 2005,“The Effect of Acquisition Channels on Customer Loyalty and Cross-buying.”Journal of Interactive Marketing, vol. 19, no. 2, pp. 31-43.
100. Verhoef, P. C., 2001,“The Impact of Satisfaction and Payment Equity on Cross-Buying:A Dynamic Model for a Multi-Service Provider.”Journal of Retailing, pp. 359-379.
101. Verhoef, P. C., Franses, P. H., &; Hoekstra, J. C., 2001,“The Impact of Satisfaction and Payment Equity on Cross-Buying: A Dynamic Model for Multi-Service Provider.”Journal of Retailing, vol. 77, no. 2, pp. 359-378.
102. Verhoef, P.C., 2003,“Understanding the Effect of Customer Relationship Management Efforts on Customer Retention and Customer Share Development.” Journal of Marketing, vol. 67, no. 4, pp. 30-45.
103. Wang, Y. S., 2008,“Assessing E-commerce Systems Success: A Respecification and Validation of the DeLone and McLean Model of IS Success.”Information Systems, vol. 18, no. 5, pp. 529-557.
104. Woodruff, R. B., &; Gardial, S. F., 1996, “Know Your Customer: New APProaches to Understanding Customer Value and Satisfaction.” Cambridge, MA: Blackwell.
105. Woodruff, R.B., 1997,“Customer Value: The Next Source for Competitive Advantage.”Journal of the Academy of Marketing Science, vol. 25, no. 2, pp. 139-153.
106. Zeithaml, V. A., 1988,“Consumer Perceptions of Price, QEuality and Value:A Means-end Model and Synthesis.”Journal of Marketing, vol. 55, no. 3, pp. 2-22.
107. Zhang, L. F., Gao, L.L., &; Zhang, J.S.,2013, “ The Impact of Design Factors in Mobile Application Stores on Social Presence.“ Applied Mechanics and Materials,Vol. 268, pp. 1832-1835.
108. Zhong, N.,&; Michahelles,F., 2012, ”Where Should You Focus: Long Tail or Superstar? An Analysis of APP Adoption on the Android Market.”SIGGRAPH Asia 2012 Symposium on APP, no. 10.
109. Zhu, H., Cao, H., Chen, E., Xiong,H.c, &; Tian, J.b , 2012, “Exploiting Enriched Contextual Information for Mobile APP Classification.” ACM International Conference Proceeding Series, pp. 1617-1621.
網站部分：
1. 「喀擦」讓世界更不同王 令麟：台灣虛擬通路二次革命(2012/12/22)。ETtoday 新聞雲。2012/12/25，取自：http://www.ettoday.net/news/20121222/143267.htm#ixzz2GKnKpfZc
2. 土地銀行行動APP(2012/01/30)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.mitake.Android.landbank&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5taXRha2UuYW5kcm9pZC5sYW5kYmFuayJd
3. 上海行動銀行APP(2013/02/05)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=tw.com.scsb.Android&;feature=search_result#?t=W251bGwsMSwxLDEsInR3LmNvbS5zY3NiLmFuZHJvaWQiXQ..
4. 王皓正(2013/01/25)。APP使用者 15%願付費。聯合新聞網。2013/01/30，取自：http://udn.com/NEWS/FINANCE/FIN3/7660170.shtml#ixzz2JRSExntl
5. 中國信託行動銀行APP(2013/03/01)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.chinatrust.mobilebank&;feature=related_APP#?t=W251bGwsMSwxLDEwOSwiY29tLmNoaW5hdHJ1c3QubW9iaWxlYmFuayJd
6. 日盛行動銀行APP(2012/06/18)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=tw.com.jihsunbank.mobilebank&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwidHcuY29tLmppaHN1bmJhbmsubW9iaWxlYmFuayJd
7. 元大行動銀行APP(2012/03/04)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.fonestock.Android.yuantabank&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwiY29tLmZvbmVzdG9jay5hbmRyb2lkLnl1YW50YWJhbmsiXQ..
8. 玉山行動銀行APP(2013/02/18)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.esunbank&;feature=related_APP#?t=W251bGwsMSwxLDEwOSwiY29tLmVzdW5iYW5rIl0.
9. 台新行動銀行APP(2013/02/27)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.mitake.Android.ap.banking.taishin&;feature=related_APP#?t=W251bGwsMSwxLDEwOSwiY29tLm1pdGFrZS5hbmRyb2lkLmFwLmJhbmtpbmcudGFpc2hpbiJd
10. 台北富邦行動銀行APP(2013/02/07)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.mitake.Android.bk.fubon&;feature=related_APP#?t=W251bGwsMSwyLDEwOSwiY29tLm1pdGFrZS5hbmRyb2lkLmJrLmZ1Ym9uIl0.
11. 合作金庫行動銀行APP(2013/01/31)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.mitake.Android.bk.tcb&;feature=search_result
12. 合作金庫證券(2013/01/31)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.tbs&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS50YnMiXQ..
13. 兆豐行動銀行APP(2013/01/30)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.megabank.mobilebank&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5tZWdhYmFuay5tb2JpbGViYW5rIl0.
14. 兆豐證券行動APP(2012/12/04)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.mega&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwiY29tLm1lZ2EiXQ..
15. 永豐行動銀行APP(2012/08/22)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.sionpac.APP.SinoPac&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5zaW9ucGFjLmFwcC5TaW5vUGFjIl0.
16. 行動銀行APP篇(2012/11)。創世紀市場研究顧問。2012/12/25，取自： http://www.insightxplorer.com/specialtopic/2012_11_19.htm
17. 花旗行動銀行APP(2012/11/26)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.citibank.mobile.tw&;feature=search_result#?t=W251bGwsMSwyLDEsImNvbS5jaXRpYmFuay5tb2JpbGUudHciXQ..
18. 李昱辰(2012/12/12)。結合線上及行動特色的金融服務好幫手。資策會FIND數位知識閱刊。2012/12/17，取自：http://www.find.org.tw/find/home.aspx?page=news&;id=6675
19. 李淑慧(2013/01/01)。肯錫副董事陳峭：行動銀行成新通路。聯合新聞網。2013/01/10，取自：
http://www.udn.com/2013/1/1/NEWS/FINANCE/FIN4/7602362.shtml
20. 段楚禎(2012/12/14)。拓展電子金融服務 華南銀行創新變年輕。卡優新聞網。2012/12/17，取自：
http://n.yam.com/cardu/fn/20121214/20121214056974.html
21. 美國運通APP(2012/03/07)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.ae.Android&;feature=search_result#?t=W251bGwsMSwyLDEsImNvbS5hZS5hbmRyb2lkIl0.
22. 星展行動銀行APP(2012/02/21)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.cellcity.dbstw&;feature=also_installed#?t=W251bGwsMSwyLDEwNCwiY29tLmNlbGxjaXR5LmRic3R3Il0
23. 陳均輔(2012/09/12)。台灣民眾行動裝置應用軟體使用行為與偏好。資策會FIND數位知識閱刊。2012/10/16，取自：http://www.find.org.tw/ipub_monthly/past_news/news_20120912.html
24. 華南行動銀行APP(2013/01/21)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.mitake.Android.hncb&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5taXRha2UuYW5kcm9pZC5obmNiIl0.
25. 曹秀雲(2011/10/11)。搞怪老外 墓碑也加上QR Code。中國時報。2012/10/23，取自：http://tw.tech.yahoo.com/mobile_APP/article/id/20173/
26. 國泰世華行動銀行APP(2013/03/01)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.cathaybk.mymobibank.Android&;feature=related_APP#?t=W251bGwsMSwxLDEwOSwiY29tLmNhdGhheWJrLm15bW9iaWJhbmsuYW5kcm9pZCJd
27. 張中昌(2012/10/17)。行動銀行搶客 熱戰起。中時電子報。2012/11/16，取自：
http://tw.news.yahoo.com/%E8%A1%8C%E5%8B%95%E9%8A%80%E8%A1%8C%E6%90%B6%E5%AE%A2-%E7%86%B1%E6%88%B0%E8%B5%B7-213000289--finance.html
28. 悠遊購好康APP(2012/06/19)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.wistronits.easycard.promo&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS53aXN0cm9uaXRzLmVhc3ljYXJkLnByb21vIl0.
29. 悠遊台鐵通APP(2012/06/19)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.wistronits.easycard.trains&;feature=more_from_developer#?t=W251bGwsMSwxLDEwMiwiY29tLndpc3Ryb25pdHMuZWFzeWNhcmQudHJhaW5zIl0.
30. 悠遊公車通APP(2012/05/31)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.wistronits.easycard.bus&;feature=more_from_developer#?t=W251bGwsMSwxLDEwMiwiY29tLndpc3Ryb25pdHMuZWFzeWNhcmQuYnVzIl0.
31. 悠遊好停車APP(2012/06/19)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.wistronits.easycard.parking&;feature=more_from_developer#?t=W251bGwsMSwxLDEwMiwiY29tLndpc3Ryb25pdHMuZWFzeWNhcmQucGFya2luZyJd
32. 悠遊捷運通APP(2012/05/31)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.wistronits.easycard.mrt&;feature=more_from_developer#?t=W251bGwsMSwxLDEwMiwiY29tLndpc3Ryb25pdHMuZWFzeWNhcmQubXJ0Il0.
33. 第一銀行行動APP(2013/03/12)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.willmobile.mobilebank.fcb&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS53aWxsbW9iaWxlLm1vYmlsZWJhbmsuZmNiIl0.
34. 智慧型手機篇(2011/04)。創市際市場研究顧問。2012/10/17，取自：http://www.insightxplorer.com/specialtopic/2011_04_15.htm
35. 萬泰行動銀行APP(2013/03/01)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.cosmosbank.bank&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwiY29tLmNvc21vc2JhbmsuYmFuayJd
36. 萬事達APP(2012/04/23)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.sharedshade.Android.mastercard&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5zaGFyZWRzaGFkZS5hbmRyb2lkLm1hc3RlcmNhcmQiXQ..
37. 新浪新聞網(2012/12/20)。2012年APP Store應用盤點：收費應用佔比大降。2012/12/26，取自：
http://finance.sina.com.hk/news/-33431-5507287/1.html
38. 新光行動銀行APP(2013/03/08)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.willmobile.mobilebank.skbbank&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS53aWxsbW9iaWxlLm1vYmlsZWJhbmsuc2tiYmFuayJd
39. 遠東商銀行動銀行APP(2012/08/06)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.feib.Android&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwiY29tLmZlaWIuYW5kcm9pZCJd
40. 銀行局(2012/12/31)。本國金融機構總機構一覽表。2013/3/13，取自：http://www.banking.gov.tw/ch/home.jsp?id=157&;parentpath=0,4&;mcustomize=bstatistics_view.jsp&;serno=201105120009
41. 彰化行動銀行APP(2013/03/06)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.willmobile.mobilebank.chb&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS53aWxsbW9iaWxlLm1vYmlsZWJhbmsuY2hiIl0.
42. 劉欣飴(2012/01/03)。資策會FIND 2011臺灣智慧型裝置持有與服務使用行為調查報告。資策會FIND數位知識閱刊。2012/10/17，取自： http://www.find.org.tw/find/home.aspx?page=many&;id=313
43. 臺灣銀行行動APP(2012/09/26)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.mbank.bot.p&;feature=search_result#?t=W251bGwsMSwyLDEsImNvbS5tYmFuay5ib3QucCJd
44. 澳盛行動銀行APP(2012/12/07)。Google play。2013/03/13，取自：https://play.Google.com/store/APP/details?id=com.anz.Android&;feature=search_result#?t=W251bGwsMSwxLDEsImNvbS5hbnouYW5kcm9pZCJd
45. 聯邦行動銀行APP(2012/02/07)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.sound.UBOT&;feature=also_installed#?t=W251bGwsMSwxLDEwNCwiY29tLnNvdW5kLlVCT1QiXQ..
46. 薛怡青資(2012/7/26)。資策會FIND創新講堂：用科技創造S.I.M.P.L.E.經濟 體驗快樂生活。資策會FIND數位知識閱刊。2012/12/17，取自：http://www.find.org.tw/find/home.aspx?page=many&;id=331
47. 賴宛琳(2012/07/05)。APP「LINE」爆紅崛起！。看雜誌。2012/10/17，取自：http://www.watchinese.com/article/2012/4402?page=2
48. 魏喬怡(2012/08/30)。行動銀行吸客 APP玩花樣。中時電子報 。2012/10/17，取自：http://tw.news.yahoo.com/%E8%A1%8C%E5%8B%95%E9%8A%80%E8%A1%8C%E5%90%B8%E5%AE%A2-APP%E7%8E%A9%E8%8A%B1%E6%A8%A3-213000600--finance.html
49. 魏喬怡(2012/07/13)。信用卡APP 中信銀跑第一。中時電子報 。2012/10/17，取自：http://tw.news.yahoo.com/%E4%BF%A1%E7%94%A8%E5%8D%A1APP-%E4%B8%AD%E4%BF%A1%E9%8A%80%E8%B7%91%E7%AC%AC-213000604--finance.html
50. 顏雅娟(2012/09/05)。Android平台市場比。DIGITIMES中文網。2012/10/16，取自：http://www.digitimes.com.tw/tw/dt/n/shwnws.asp?CnlID=32&;Cat=&;Cat1=&;id=0000301336_6RO48DL72ZNK4V75H5MJV&;query=8%B7s%BE%F7%A4%5D%A5%BC#ixzz2ASqPvDEA
51. 中華郵政APP (2013/02/19)。Google play。2013/03/13，取自：
https://play.Google.com/store/APP/details?id=com.mitake.Android.epost
52. comScore Reports October 2012 U.S. Mobile Subscriber Market Share(2012/11/30)。 comScore。2012/11/17，取自：
http://www.comscore.com/Insights/Press_Releases/2012/11/comScore_Reports_October_2012_U.S._Mobile_Subscriber_Market_Share
53. Egham(2012/08/14)。Gartner Says Worldwide Sales of Mobile Phones Declined 2.3 Percent in Second Quarter of 2012。.Gartner Newsroom。2012/10/18，取自：http://www.gartner.com/it/page.jsp?id=2120015
54. John Koetsier (2013/05/09)。Smartphones up 37%, tablets up 106%, and Samsung growing smartphone shipments 10x faster than Apple。 VentureBeat。2013/06/24，取自：http://techorange.com/2013/05/24/smartphones-up-37-tablets-up-106-and-samsung-is-growing-smartphone-shipments-10x-faster-than-Apple/
55. Jon Fingas(2012/12/21) 。Kantar : iPhone 5 boosts Apple's US smartphone share to 53.3 percent, Android still tops in Europe。Engadget。2012/12/26，取自：
http://www.engadget.com/2012/12/21/kantar-iphone-5-boosts-Apples-us-smartphone-share-to-53-3-perc/
56. Jenny(2012/10/30)。Flurry 研究報告：APP 使用頻率和持續率的關係。INSIDE部落格／科技動態搜尋家。2012/11/10，取自：
http://www.cw.com.tw/blog/blogTopic.action?id=249&;nid=2670
57. Mass(2012/08/08/)。Android and Ios Surge to New Smartphone OS Record in Second Quarter, According to IDC 。IDC國際數據公司。2012/10/16，取自：http://www.idc.com/getdoc.jsp?containerId=prUS23638712
58. Stamford(2012/09/11)。Gartner Says Free APP Will Account for Nearly 90 Percent of Total Mobile APP Store Downloads in 2012。Gartner Newsroom。2012/10/18，取自：http://www.gartner.com/it/page.jsp?id=2153215
59. 黃雲飛，財金資訊季刊∕No.72∕2012.9
http://www.fisc.com.tw/Upload/9920fd22-3489-406f-957d-a7acff52e251/TC/03.%20%E9%BB%83%E9%9B%B2%E9%A3%9B.pdf