臺灣博碩士論文加值系統

利用智慧型手機等行動載具進行付款的行動支付已在全球各地成為一種新興的趨勢。行動支付將消費者的手機與錢包整合，正在顛覆傳統的現金交易方式，讓出門不用帶錢包的時代來臨。台灣2015年行動支付僅占台灣個人消費支出的26%，但是從金管會電子支付制定施政目標以及智慧行動裝置的普及率，可以預見行動支付的未來會更加蓬勃發展。然而，使用行動支付人數相對國外仍是少數，而國內少有文獻探討影響行動支付之使用意圖之原因。因此，本研究之目的希望透過創新擴散理論與科技接受模式加上知覺風險理論之整合，進行對於消費者是否會有使用行動支付的行為意圖之探討。
本研究採用量化研究之問卷調查法蒐集研究資料，受測對象為不限定是否有使用過行動支付經驗之消費者，再以偏最小平方法（Partial Least Squares, PLS）分析與驗證理論架構模型。研究結果顯示所有研究假設皆成立，具有顯著之影響效果。根據研究結果建議未來行動業者若想提高消費者行動支付的使用態度，應該要提昇行動支付的隱私安全、相對優勢、相容性、認知易用及認知有用，消費者的行動支付使用意願將會隨著提高。

Mobile payment using mobile vehicles like smartphone is an emerging and important trend all over the world. Smartphone will set wallet, credit cards, coupons, card reader all in one to replace credit cards and cash. Mobile payment only accounts for 26% of Taiwan''s personal consumption expenditure in 2015. However, mobile payment will be more and more popular according to the observation of the popularity rate of smart mobile vehicles and Taiwan Financial official policy. In fact, the popularity rate of Taiwan''s mobile payment adoption is still a minority relative foreign countries. Few studies reports concerning the usage intention of mobile payment adoption. This study aims to understand usage intention of mobile payment adoption based on technology acceptiance model, innovation diffusion theory and perceived risk theory. The questionnaire survey method was applied to collect research data from whom has ever or never used mobile payment. Collected data were analyzed using the Partial least squares method to examine all research hypotheses. The results have several implications for enterprises which want to increase the attitude towards using, they should improve the privacy security risk, relative advantage, compatibility, perceived ease of use and perceived usefulness. The usage intention of mobile payment adopting will be along with improvement.

摘要......i
Abstract......ii
誌謝......iii
目錄......iv
表目錄......vi
圖目錄......vii
第一章 緒論......1
1.1 研究背景與動機......1
1.2 研究目的......2
1.3 研究流程......3
第二章 文獻探討......4
2.1行動支付概述......4
2.2行動支付現況......9
2.2.1國際行動支付的現況......9
2.2.2國內行動支付的現況......11
2.3科技接受模式（Technology Acceptance Model）......16
2.4 創新擴散理論（Innovation Diffusion Theory）......20
2.5 知覺風險（Perceived Risk）......24
第三章 研究方法......27
3.1研究架構......27
3.2研究假設......28
3.3研究變數之理論性......30
3.4研究對象......33
第四章 資料分析......34
4.1 敘述性統計分析......34
4.2測量模式分析......38
4.3 結構模式分析與研究假說檢定......43
第五章 結論......45
5.1 結構模式分析與研究假說檢定......45
5.2 理論與管理意涵......46
5.3 研究限制......48
5.4 未來研究建議......48
參考文獻......49
附錄......54
Extended Abstract......59
簡歷(CV)......64

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