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研究生:詹顓隆
研究生(外文):CHAN CHUAN LUNG
論文名稱:影響網路信用卡使用意願之研究
論文名稱(外文):Influencing Factors on User''''s Acceptance of Internet Credit Cards
指導教授:翁淑緣翁淑緣引用關係
指導教授(外文):Shu-Yeng Wong
學位類別:碩士
校院名稱:大葉大學
系所名稱:資訊管理學系碩士班
學門:電算機學門
學類:電算機一般學類
論文種類:學術論文
論文出版年:2002
畢業學年度:90
語文別:中文
論文頁數:114
中文關鍵詞:網路信用卡知覺風險五大人格特質科技接受模式使用意願
外文關鍵詞:Network Credit CardPerceived RiskBig FiveTechnology Acceptance ModelUser''''s Acceptance
相關次數:
  • 被引用被引用:14
  • 點閱點閱:348
  • 評分評分:
  • 下載下載:0
  • 收藏至我的研究室書目清單書目收藏:6
網路不受時間和地點的限制,藉由網路系統,使用者可以進行資料蒐尋、下載甚至可以上網購物,而廠商可以藉此與消費者或廠商進行交易。雖然網路帶給生活很多的方便,但其蘊涵的風險問題卻不容忽視。因此本研究之目的在探討「知覺風險」、「人格特質」及「外部變數」之間的關係以及對使用意願的影響。本研究之結論如下:
1.消費者認為網路信用卡是有用且容易使用,但安全性低的付款工具。此外消費者對網路信用卡有中等程度的了解與中等程度的使用意願。而網路信用卡的使用者與非使用者相較,使用者有較高的使用意願,也有較高的安全風險,但綜合風險則較低。
2.神經質的人格特質愈高,所知覺到網路信用卡的綜合風險也愈高,而且認為網路信用卡是一種不容易使用及對他們沒有用的付款工具。
3.消費者對網路信用卡的瞭解程度愈高以及愈肯定它的方便性
,則對網路信用卡的有用性及易用性愈肯定,而且對網路信
用卡有較低的知覺風險。
4.加強網路信用卡的有用性、方便性,並降低使用網路信用卡的
知覺風險,有助於提高消費者對網路信用卡的使用意願。
Because there is no time and spatial limit with the Internet, users can browse for information, download, or even buy things. Internet credit cards are becoming a new type of payment for making transactions with Internet stores. Although they are convenient, there are also some risks. The purpose of this study is to understand the relationships between users’ acceptance of Internet credit cards and their perceived risks, personality traits, and the effect of external variables. The Technology Acceptance Model is also used to explain the users’ acceptance of Internet credit cards. The main findings are as follows:
1. Internet credit cards are useful and easy for consumers to use to ma-
ke transactions. But, it is also a risky type of payment. Consumers
have a fair level of understanding and acceptance to use Internet-cr-
edit cards. Comparing to non-holder, Credit card holders have hig-
her inclinations to use it. They also perceived a higher safety risk but
a lower integrated risk.
2. A person with a nervous personality may perceive a higher integrated risk of using Internet credit cards, and he may also have lower perceived usefulness and lower perceived ease of use about the application of Internet credit cards.
3. The more a consumer knows about the Internet credit cards and the more convenient he feels with the Internet credit cards, the higher the perceived usefulness and perceived ease of use he recognizes. He may also have lower perceived risk of using Internet credit cards.
4. The enhancement of the perceived usefulness and convenience of the Internet credit card and the reduction of the perceived safety risk raises the users’ acceptance of the Internet credit cards.
目 錄
封面內頁
簽名頁
授權書1…………………………………………………………iii
授權書2 …………………………………………………………iv
中文摘要 …………………………………………………………v
英文摘要 …………………………………………………………vi
誌謝 ……………………………………………………………viii
目錄 ………………………………………………………………ix
圖目錄 ……………………………………………………………xi
表目錄 …………………………………………………………xii
第一章 緒論
第一節 研究背景與動機………………………………………1
第二節 研究目的………………………………………………3
第三節 研究流程………………………………………………3
第四節 研究範圍與限制………………………………………5
第二章 文獻探討
第一節 網路信用卡介紹 ……………………………………6
第二節 消費者行為理論概述 ………………………………9
第三節 知覺風險相關理論…………………………………12
第四節 人格特質相關理論…………………………………19
第五節 科技接受模式理論探討……………………………28
第三章 研究方法
第一節 研究架構……………………………………………35
第二節 研究假說……………………………………………37
第三節 研究變項之操作定義………………………………37
第四節 問卷設計……………………………………………38
第五節 研究過程……………………………………………44
第六節 分析方法……………………………………………45
第七節 問卷回收與分析……………………………………46
第八節 問卷評估……………………………………………47
第四章 研究結果與分析
第一節 樣本特性分析………………………………………56
第二節 各研究變項之相關分析……………………………71
第三節 所有研究變項對使用意願之迴歸分析……………82
第五章 結論與建議
第一節 結論…………………………………………………87
第二節 建議…………………………………………………91
參考文獻
一、中文部份………………………………………………98
二、英文部分 ……………………………………………101
附錄 A 正式問卷 ………………………………………………111
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