臺灣博碩士論文加值系統

在台灣，現金依然是主要的支付工具，但是現金存在許多缺點，例如: 容易被偽造、容易被竊取、攜帶不方便、無法在網路上購物……等等，然而，在許多非現金支付的研究都指出使用非現金支付將帶來許多效益，例如: 付款容易、節省交易時間、線上付款、提高經濟成長，此外，政府也機極推動無現金社會計畫，預計在2020年將台灣的電子支付比率從26%提升至52%，因此，非現金支付勢必成為未來趨勢。
本研究將以科技接受模式(Technology Acceptance Model, TAM)為基礎，加入三個外在因素為知覺兼容性、知覺安全性及主觀規範，來建構出完整之研究模型。本研究使用網路問卷調查方法收集了356份實際樣本資料，以統計軟體AMOS和SPSS來進行驗證性因素分析(CFA)和結構方程模型(SEM)等資料分析。研究結果顯示知覺兼容性對於知覺有用性、行為態度及行為意圖是有正向顯著的關係，主觀規範對於行為態度有正向顯著的關係，而知覺安全性對於行為態度是沒有正向顯著的關係。最後，結論將會對於研究結果給予產業以及學術上的建議，以供未來作為改善之方向及往後研究相似主題之研究者為參考。

In Taiwan, cash remains the primary method for payment. Cash has some shortcomings, such as it must be created such that is hard to forge, must be transported from one place to another place, must be stored safely and cannot be used for payments over the phone or the Internet. However, many previous studies indicated that non-cash payment has many benefits, such as easy payment, saving payment time, online payment, economic growth. Otherwise, Taiwan’s government actively promotes a cashless society and set the goal for electronic payments in the proportion from the current 26% to 52% in 2020. Thus, this paper considers non-cash payment is bound to become a future trend for business trades. This study attempts to predict users’ behavioral intentions of using non-cash payment.
This study is based on Technology Acceptance Model (TAM) which is proposed by Davis (1989). We add three external factors which are perceived compatibility, perceived security and subjective norm to establish the research framework. We collected 356 valid samples from the web-based survey, and use the statistic software of AMOS and SPSS to analyze the confirmatory factor analysis (CFA) and structural equation modeling (SEM) in this study. The results show that perceived compatibility was found to have significant relationship with PU, AT and BI, subjective norm was found to have significant relationship with AT, but perceived security was found to have no significant relationship with AT. Finally, the findings have both theoretical and practical implications for industries and academics.

CHEPTER 1 INTRODUCTION 1
1.1 Research Background and Motivation 1
1.2 Research Objectives 3
1.3 Research Process 4
1.4 Organization of This Research 5
CHAPTER 2 LITERATURE REVIEW 6
2.1 Overview of Non-cash Payment 6
2.2 Technology Acceptance Model 8
2.3 External Variables on TAM 10
2.3.1 Perceived Compatibility 10
2.3.2 Perceived Security 11
2.3.3 Subjective Norm 12
CHAPTER 3 METHODOLOGY 13
3.1 Framework and Hypothesis 13
3.2 Development of Measures 16
3.2.1 Perceived Ease of Use 16
3.2.2 Perceived Usefulness 17
3.2.3 Perceived Security 17
3.2.4 Perceived Compatibility 18
3.2.5 Subjective Norm 19
3.2.6 Attitude toward using 19
3.2.7 Intention to Use 20
3.3 Questionnaire design 22
3.4 Data collection 24
3.5 Data analysis approach 24
CHAPTER 4 DATA ANALYSIS AND RESULTS 26
4.1 Descriptive Statistics Structure 26
4.1.1 Sample Structure 26
4.1.2 Non-cash Payment Adoption Circumstance of Respondents 28
4.1.3 Mean and Deviation 30
4.2 The Measurement Model 31
4.2.1 Reliability 31
4.2.2 Construct Validity 32
4.3 The Structure Model 34
CHAPTER 5 CONCLUSIONS 38
5.1 Conclusions 38
5.2 Contributions of the Research 40
5.3 Limitations and Future Study 40
Reference 42
Appendix I 52

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