臺灣博碩士論文加值系統

本研究以科技接受模型為核心，並納入資訊系統成功模式的系統品質、資訊品質及創新擴散模式的可見性，探討是否影響中高齡者對使用行動支付工具之意圖與影響。採用結構式問卷方式調查，共計發出420份，經篩選無效問卷後，有效問卷共359份，使用SPSS 21.0套裝統計軟體進行問卷分析，包含樣本描述性統計分析、獨立樣本t檢定、單因子變異數分析、皮爾森積差相關分析、迴歸分析。實證後發現：(1)性別會顯著影響系統品質、可見性、感知有用性、感知易用性、態度。(2)使用過行動支付顯著影響系統品質、資訊品質、感知有用性、感知易用性、態度。(3) 使用卡片型支付方式與使用行動支付經驗有顯著影響。(4) 教育程度與使用行動支付經驗有顯著影響。(5)系統品質對感知有用性、感知易用性有顯著影響。(6)資訊品質對感知有用性、感知易用性具有顯著影響。(7)可見性僅對感知有用性具有顯著影響。根據上述研究發現歸納以下結論：(1)建議與廠商設計畫面簡易且容易使用的行動支付系統，降低操作困難，使中高齡者更快適應新科技。(2)整合現行市面上的行動支付系統，避免需要適應不同介面的困擾，降低操作難度及學習時間。

The purpose of this study was to apply Technology Acceptance Model to explore the intentions of Taiwan middle-aged and elderly use mobile payment, also include the system quality, information quality of Information Systems Success Model and visibility of Innovation Diffusion Theory. The study uses structured questionnaire survey, and a total of 420 copies are collected. After screening invalid questionnaire, 359 valid copies are selected using the analysis SPSS 21.0, including descriptive statistics, independent sample t-test, one-way ANOVA, Pearson Correlation and regression analysis. We have several findings: (1) Gender can improve the system quality, information quality , visibility, perceived usefulness, perceived ease of use and attitude. (2) Used mobile payment can improve system quality, information quality, perceived usefulness, perceived ease of use and attitude. (3) The use of card-based payment methods has a significant impact on the experience of using mobile payments. (4) Educational attainment has a significant impact on experience in using mobile payments.(5)System quality affects perceived usefulness and perceived ease of use. (6)Information quality affects perceived usefulness and perceived ease of use. (7) Visibility affects perceived usefulness. Based on the above findings, the following conclusion can be drawn: (1) Design a simple and easy-to-use mobile payment system to enable Middle-aged and elderly to adapt to new technologies more quickly. (2) Integrate mobile payment systems to avoid the need to adapt to different interfaces and reduce operational difficulties.

目錄
第一章 緒論 1
第一節 研究背景 1
第二節 研究動機 2
第三節 研究目的 3
第二章 文獻探討 4
第一節 中高齡者使用資訊與通訊科技的現況 4
第二節 行動支付 5
第三節 科技接受行為理論 8
第四節 資訊系統成功模式 14
第五節 創新擴散理論 17
第三章 研究設計與實施 18
第一節 研究架構 18
第二節 研究假設 19
第三節 研究對象及方法 20
第四節 研究工具 20
第五節 問卷之信度分析 25
第六節 資料分析與統計方法 25
第四章 結果 26
第一節 樣本描述性統計分析 26
第二節 獨立樣本T檢定 33
第三節 單因子變異數 34
第四節 皮爾森積差相關 35
第五節 多元線性迴歸 36
第五章 討論 42
第一節 理論層面的意涵 42
第二節 實務上的意涵 48
第六章 結論 48
第一節 研究限制 48
第二節 未來建議 49
參考文獻 50
附錄 59
附錄一 研究問卷 59

表目錄
表2- 1：研究議題與行動支付相關之研究 7
表3- 1：個人基本特性 21
表3- 2：系統品質題項表 22
表3- 3：資訊品質題項表 22
表3- 4：可見性題項表 23
表3- 5：感知有用性題項表 23
表3- 6：感知易用性題項表 24
表3- 7：態度題項表 24
表3- 8：使用意圖題項表 24
表3- 9：使用行動支付的經驗問卷信度分析 25
表4- 1：年齡描述性統計表 27
表4- 2：基本特性次數分配表 27
表4- 3：系統品質平均值與標準差 29
表4- 4：資訊品質平均值與標準差 29
表4- 5：可見性平均值與標準差 30
表4- 6：感知有用性平均值與標準差 30
表4- 7：感知易用性平均值與標準差 31
表4- 8：態度平均值與標準差 31
表4- 9：使用意圖平均值與標準差 31
表4- 10：獨立樣本T檢定統計結果表 33
表4- 11：教育程度與使用行動支付的經驗之影響 35
表4- 12：使用行動支付的經驗相關表 36
表4- 13：個人基本特性、外部變項與感知有用性之關係表 37
表4- 14：個人基本特性、外部變項與感知易用性之關係表 38
表4- 15：個人基本特性、感知易用性與感知有用性之關係表 39
表4- 16：個人基本特性、感知有用性、感知易用性與態度之關係表 40
表4- 17：個人基本特性、感知有用性、態度與使用意圖之關係表 41

圖目錄
圖2- 1：理性行為理論架構 9
圖2- 2：科技接受模型架構 11
圖2- 3：資訊系統成功模式架構 14
圖2- 4：修正後的資訊系統成功模式架構 15
圖3- 1：研究架構圖 19
圖4- 1：研究假設路徑圖 42

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