臺灣博碩士論文加值系統

　　行動銀行為智慧型行動裝置之應用程式(App)，整合了行動通訊技術和設備提供消費者操作銀行業務，因此行動銀行較為彈性，消費者可以不受時空限制來進行銀行交易。隨著科技及數位金融政策的前進，行動銀行的使用需求會越來越高，然而現今的使用率仍然不高。過去學者曾探討過消費者的知覺風險對網路銀行的使用意願與消費者對行動銀行的認識，卻較少討論知覺風險對使用行動銀行的意願，故本研究將以此為研究主題。

　　本研究以科技接受模式(TAM)為基礎，在文獻回顧後採用知覺風險中的績效風險、財務風險與安全風險，以及自我效能與相容性作為外生變數，使用網路問卷進行調查，並利用結構方程模型(SEM)來驗證研究假說。

　　本研究結果發現了科技接受模式能夠有效解釋消費者對行動銀行的使用意願，並驗證出在行動銀行中，自我效能對知覺易用有顯著影響；安全風險及相容性對行動銀行的使用態度及意願有顯著影響，而績效風險和財務風險則無顯著影響。

Mobile banking is an application (App) for smart mobile device, which integrates mobile communication technology and device to offer banking services. Thus, mobile banking is more flexible. Consumers can use banking services without limitation of time and space. Along with the development of technology and government policies, the demand of mobile banking will increase gradually, however, it is still not popular with consumers. Previous researches have discussed about the influence of perceived risk to online banking as well as consumers’ cognition toward mobile banking, but only few researches discussed about the influence of perceived risk to mobile banking. Therefore, this study intends to discuss about this topic.

This study is based on technology acceptance model (TAM).After reviewing literature, this study adopts three aspects of perceived risk –– performance risk, financial risk and security risk, as well as self-efficacy and compatibility as exogenous variables. After collecting the data with questionnaires through internet, this study uses structural equation model (SEM) to verify the hypothesis.

The result of this study finds out that TAM can explain customers’ intention to mobile banking. Self-efficacy influences the ease of use significantly; security risk and compatibility influence attitude and intention behavior to mobile banking significantly, while performance risk and financial risk do not.

摘要 i
Abstract ii
誌謝 iii
目錄 iv
表目錄 v
圖目錄 vi

第一章 緒論 1
1.1 研究背景與動機 1
1.2 研究目的 3
1.3 研究程序 3

第二章 文獻探討 4
2.1 行動銀行 4
2.2 理性行為理論、計畫行為理論與科技接受模式 8
2.3 自我效能 11
2.4 知覺風險 12
2.5 相容性 15
2.6 行動銀行使用意願相關研究 16

第三章 研究方法 18
3.1 研究架構 18
3.2 研究變數 19
3.3 研究假說 20
3.4 問卷設計 23
3.5 統計分析方法 28

第四章 資料分析 30
4.1 回收樣本基本資料 30
4.2 信度與效度分析 31
4.3 模型分析 34
4.4 假說驗證 37

第五章 結論與建議 39
5.1 研究結論 39
5.2 研究建議 41
5.3 研究限制及後續研究建議 41

參考文獻 42
附錄一 51

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二、 中文部分
1. 江明潔(2015)，「以科技接受模式探討讀者使用資源探索服務的意願：以臺灣聯合大學系統為例」，國立台灣大學圖書資訊學研究所碩士論文。
2. 張詩宜(2011)，「知覺風險影響消費者對近場無線通訊(NFC)技術手機電子錢包付費之行為意圖研究─以台北市大學生為例」，國立交通大學經營管理研究所碩士論文。
3. 張維宏(2011)，「商務人士對行動銀行服務偏好之探討」，世新大學企業管理學系碩士論文。
4. 彭台光，高月慈，林鉦棽(2006)「管理研究中的共同方法變異：問題本質、影響、測試和補救」，管理學報，第23卷，第1期，77-98頁。
5. 黃雲飛，「行動銀行App實戰與行銷探討」，財金資訊季刊，第72期，7-14頁，財金資訊股份有限公司，民國101年9月。
6. 盧琇暐(2016)，「消費者知覺價值、個別差異與自我效能對使用行動支付意願的影響」，國立交通大學經營管理研究所碩士論文。


三、 網路資料
1. FRB (2012), “Current use of mobile banking and payments”, www.federalreserve.gov/econresdata/mobile-devices/2012-current-use-mobile-banking-payments.htm (Accessed January 28, 2013).
2. 中華民國中央銀行全球資訊網http://www.cbc.gov.tw/sp.asp?xdURL=bankexam/cbc/search.asp&ctnode=389
3. 台灣網路資訊中心，http://stat.twnic.net.tw/
4. 財團法人工業資訊策進會，http://www.iii.org.tw/
5. 黃彥棻(2015)，「iThome 2015年CIO大調查(中)行動應用趨勢分析」。http://www.ithome.com.tw/article/94091
6. 盧沛樺(2016)，「駭客就在你身邊 銀行app資安危機」，天下雜誌，602期。
http://www.cw.com.tw/article/article.action?id=5077467&from=line