臺灣博碩士論文加值系統

Coming of Technology age, many business sectors implement different innovation to support their business and service to fulfill changing in behavior of their customers, as well as financial cluster, where mobile phones become an essential part for banks and customers for many interactions. Cardless technology is one of the latest innovations which allows users to withdraw cash from ATM without requiring traditional ATM card with expecting this could enhance and create new channel to users to interact and manage transaction on mobile banking application.
Aim of this study is to define those factors which could affect customers in terms of adoption behavior by comparing two groups of mobile payment users, commercial bank mobile payment users, and non-commercial mobile payment users-Fintech. Mixed method-qualitative study and quantitative are employed in this study to define factors which could influence customers where qualitative is interviewing based on grounded theory, and quantitative is survey.

ABSTRACT II
ACKNOWLEDGEMENT III
TABLE OF CONTENTS IV
LIST OF TABLES VIII
LIST OF FIGURES X
CHAPTER ONE INTRODUCTION 1
1.1 Research Background. 1
1.1.1 Global Cardless Society. 2
1.1.2 Global Cashless Society. 4
1.2 Research Objectives. 7
1.2.1 Research Gap. 7
1.2.2 Research Objectives. 8
1.2.3 Research Contributions. 9
1.3 Research Flow. 9
1.4 Research Procedure. 10
CHAPTER TWO LITERATURE REVIEW 11
2.1 Theoretical Reviews. 11
2.1.1 Diffusion of Innovation Theory (DOI). 11
2.1.2 Hedonic and Utilitarian Dimensions. 13
2.1.3 Unified Theory of Acceptance and Use of Technology (UTAUT). 16
2.2 Commercial Bank and Non-commercial Bank. 17
2.3 Cardless Technology. 18
2.4 Dimension of Adoption Factor. 19
2.5 Mixed Methods. 20
CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY 23
3.1 Grounded Theory Method. 23
3.2 Qualitative Study. 24
3.2.1 Research Method. 24
3.2.2 Data Analysis and Research. 26
3.3 Quantitative Study. 28
3.3.1 Research constructs and hypotheses. 28
3.4 Research Framework. 36
3.5 Research Design. 38
3.6 Construct Measurements. 38
3.7 Sampling Plan. 40
3.7.1 Situation of Cashless in Thailand. 40
3.7.2 Cardless Technology in Thailand. 42
3.8 Control Variables. 43
3.9 Data Analysis. 44
3.9.1 Factor Analysis and Reliability Test. 44
3.9.2 Regression Analysis. 44
3.9.3 Confirmatory Factor Analysis (CFA). 45
3.9.4 Structural Equation Model (SEM). 45
3.9.5 Multiple Group Analysis(MGA). 45
CHAPTER FOUR RESEARCH RESULTS 47
4.1 Data Collection. 47
4.2 Questionnaire Result of All payment Users. 47
4.2.1 Respondents Characteristics. 47
4.2.2 Measurement Results for Relevant Research Variables for Confirmatory Model. 49
4.2.3 Confirmatory Factor Analysis. 50
4.2.4 Structural Equation Modeling (SEM). 52
4.3 Questionnaire Result of Commercial bank mobile payment users. 54
4.3.1 Respondents Characteristics. 55
4.3.2 Measurement Results for Relevant Research Variables for Confirmatory Model. 56
4.4 Questionnaire Result of Non-Commercial bank mobile payment users. 57
4.4.1 Respondents Characteristics. 58
4.4.2 Measurement Results for Relevant Research Variables for Confirmatory Model. 59
4.5 Result of construct reliability and validity. 60
4.6 Multi-group Analysis. 62
4.7 Control Variable. 63
CHAPTER FIVE CONCLUSION AND SUGGESTIONS 68
5.1 Research Conclusion and Discussion. 68
5.1.1 Discussions of Qualitative Results. 68
5.1.2 Summary of Hypotheses Testing. 70
5.1.3 Discussions of Quantitative Results. 72
5.1.4 Discussion from both Qualitative and Quantitative Results. 73
5.2 Contributions. 78
5.2.1 Theoretical Contributions. 78
5.2.2 Practical Contributions. 80
5.3 Research Limitations and Suggestion for Future Studies. 80
REFERENCES 82
APPENDICES 87

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