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研究生:陳怡錚
研究生(外文):Yi-Cheng Chen
論文名稱:付款工具的安全風險對消費者使用意圖影響之研究
論文名稱(外文):A Study of the Effects of the Security Risk of Payment Instruments on Consumers’ Usage Intention
指導教授:何煒華何煒華引用關係
指導教授(外文):Wei-Hua He
口試委員:黃仁俊吳宗杉
口試委員(外文):Jen-Chun HuangTsung-Shan Wu
口試日期:2013-06-17
學位類別:碩士
校院名稱:東吳大學
系所名稱:資訊管理學系
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:2013
畢業學年度:101
語文別:中文
論文頁數:69
中文關鍵詞:付款工具安全風險使用意圖
外文關鍵詞:Payment instrumentSecurity RiskUsage Intention
相關次數:
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  隨著科技的進步與創新,為滿足消費者多樣化的選擇及便利性需求,不同的付款工具也因應而生。本研究以整合性科技接受使用理論(UTAUT)為研究架構,加入知覺風險和習慣構面,探討悠遊卡(電子票證)、晶片金融卡、磁條信用卡三種付款工具的風險對消費者使用意圖的影響。了解消費者在使用付款工具時,不同行為構面對使用意圖的影響,付款工具的使用是因為預期績效、受他人影響,或是出於習慣,並探討使用意圖是否受到安全風險或負面新聞的影響。
  透過問卷調查發現,負面新聞並未對消費者使用意願造成顯著影響。無論在實體或網路交易,消費者會因付款工具的不同風險特性而影響使用意圖。多數消費者是出於使用習慣而持續使用,而社會因素對於使用意圖影響並不顯著,多數消費者不會因為多數人使用而使用。知覺風險對於使用信用卡於網路交易的影響亦不顯著,雖然擔心會造成財務損失,但為提高交易效率會間接忽略存在的風險。
  As the technology’s progress and innovation, in order to satisfy consumers’ diverse choice and the needs of convenience, all kinds of payment instruments are offered. This research is based on unified theory of acceptance and use of technology (UTAUT), and the perceived risk and habit will be considered to explore the effects of the risk of three kinds of payment instruments (easycard (or called electronic ticket), financial chip card and credit card) on consumers’ usage intention. This research aims to understand how different behavior dimensions influence usage intention, and the use reason of payment instruments is due to performance expectancy, influence from other people, or habit, when consumers use payment instruments. In addition, this research also investigates whether the usage intention is affected by security risk or negative news.
  Through the questionnaires we found that the negative news did not cause significant effects on consumers’ usage intention. Regardless of physical or online transactions, consumers’ usage intention will be influenced by the risk characteristics of payment instruments. Most consumers have their habits to continually use those instruments. The social factor did not have significant effects on usage intention, i.e., most consumers will not be influenced by other people. The perceived risk has no significant effects on using credit cards for transactions on the Internet. Although consumers worry about the loss of finance, in order to improve the efficiency of the transactions, most of them would ignore the risks.
誌謝 i
摘要 ii
Abstract iii
目錄 iv
圖目錄 vii
表目錄 viii
1. 緒論 1
1.1 研究背景與動機 1
1.2 研究目的 2
1.3 付款工具簡介 3
1.3.1 悠遊卡(電子票證) 3
1.3.2 磁條信用卡 3
1.3.3 晶片金融卡 4
1.4 研究流程 6
2. 文獻探討 7
2.1 知覺風險 7
2.2 整合性科技接受使用理論 8
2.2.1 理性行為理論 8
2.2.2 計畫行為理論 9
2.2.3 科技接受模型 10
2.2.4 TAM與TPB的結合模型 13
2.2.5 動機模式 13
2.2.6 個人電腦使用模式 14
2.2.7 創新擴散理論 15
2.2.8 社會認知理論 16
2.2.9 整合性科技接受使用理論 17
2.3 習慣 19
3. 研究方法 21
3.1 研究架構 21
3.2 研究假設 21
3.2.1 績效期望與付款工具使用意圖之關係 21
3.2.2 社會影響與付款工具使用意圖之關係 22
3.2.3 知覺風險與付款工具使用意圖之關係 22
3.2.4 習慣與付款工具使用意圖之關係 22
3.3 研究變數的操作型定義 23
3.3.1 績效期望 23
3.3.2 社會影響 23
3.3.3 知覺風險 24
3.3.4 習慣 25
3.3.5 使用意圖 25
3.4 研究問卷設計 26
3.5 資料收集與分析方法 26
3.5.1 資料收集 26
3.5.2 分析方法 26
4. 資料分析與研究結果 28
4.1 敘述性統計分析 28
4.2 信度與效度分析 30
4.3 成對樣本T檢定 35
4.4 Pearson相關係數分析 37
4.5 複迴歸分析 39
4.6 消費者對於付款工具之風險認知 43
5. 結論與建議 45
5.1 結論 45
5.2 建議 47
參考文獻 49
附錄 56


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