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研究生:吳永生
研究生(外文):WU, YUNG-SHENG
論文名稱:以遷徙理論探討後疫情影響中老年人使用行動支付之因素
論文名稱(外文):Exploring the factors influencing the use of mobile-payment by middle-aged and older adults in the post Covid-19 epidemic era based on push-pull-mooring theory
指導教授:許瓊文許瓊文引用關係
指導教授(外文):HSU, CHIUNG-WEN
口試委員:傅振瑞曾繁絹夏自立許瓊文
口試委員(外文):FU,JEN-RUEITSENG, FAN-CHUANXIA,ZI-LIHSU, CHIUNG-WEN
口試日期:2023-06-26
學位類別:碩士
校院名稱:國立高雄科技大學
系所名稱:智慧商務系
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:2023
畢業學年度:111
語文別:中文
論文頁數:68
中文關鍵詞:中老年人行動支付遷徙理論自我實現需求科技焦慮
外文關鍵詞:middle-aged and older adultsmobile-paymentpush-pull-mooring theoryself-actualization needstechnology anxiety
相關次數:
  • 被引用被引用:1
  • 點閱點閱:99
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  • 下載下載:26
  • 收藏至我的研究室書目清單書目收藏:0
數位貨幣的趨勢表明,人們對於更便捷、安全和高效的支付方式的需求不斷的增加,而近幾年由於疫情的影響和相應的防疫措施,人們的生活方式發生了不少改變,包括了購物和支付方式,行動支付也因此而受到了越來越多人的關注和使用,也有不少的論文都提供了分析及建議,然而先前的研究對象都偏重在年輕族群,中老年人對於新興的科技技術的接受度相對較低,操作上也相對較為困難,但中老年的所碰的困境反而較少受到必要的關注。
本研究以遷徙理論為基礎,進行定量研究,採用問卷調查的方式收集數據,針對45歲以上中老年人進行問卷調查,回收有效問卷171份,並同時收集129份年輕族群問卷調查做為對照組,研究結果發現: (1)「感知不便」和「感知有用」影響中老年人行動支付使用意圖最為明顯;(2)「感知普遍性」及「自我實現需求」對中老年人行動支付使用意圖也有正向影響;(3)「慣性」、「隱私風險」和「科技焦慮」對中老年人行動支付使用意圖有負向影響;(4)中老年人的「行動支付使用意圖」也是正向影響「行動支付使用行為」;(5)「感知現金風險」和「貨幣性回饋」對中老年人行動支付使用意圖之假說則未得到支持。
本研究之結果,可提供給行動支付服務業者及相關機構,針對中老年人的需求進行產品和服務的改進,以便能更好的滿足他們的需求。

The trend towards digital currencies indicates a growing demand for more convenient, secure, and efficient payment methods. In recent years, people's lifestyles have undergone significant changes due to the impact of the pandemic and the corresponding preventive measures. This includes changes in shopping and payment methods, with mobile-payment gaining increasing attention and usage. Several studies have provided analysis and recommendations in this regard. However, previous research has predominantly focused on the younger population, while the acceptance and ease of operation of emerging technological advances among the middle-aged and older adults has received limited attention.

This study is based on the push-pull-mooring theory and conducted quantitative research using a questionnaire survey to collect data. The survey targeted individuals aged 45 and above, with a total of 171 valid responses obtained. In addition, 129 survey responses from the younger population were collected as a control group. The research findings are as follows: (1) "Perceived Inconvenience" and "Perceived Usefulness" have the most significant impact on the intention of mobile-payment usage among middle-aged and older adults; (2) "Perceived Ubiquity" and "Self-Actualization Needs" also have a positive influence on their intention to use mobile-payment; (3) "Inertia", "Privacy Risk", and "Technology Anxiety" have a negative impact on their intention to use mobile-payment; (4) “Usage Intention” of middle-aged and older adults to use mobile-payment positively affects their actual “Usage Behavior”; (5) the hypothesis regarding the impact of "Perceived Cash Risk" and "Monetary Rewards" on their intention to use mobile-payment was not supported.

The results of this study can provide insights for mobile-payment service providers and related institutions to improve their products and services in response to the needs of middle-aged and older adults, thereby better satisfying their demands.

摘要 i
ABSTRACT ii
誌謝 iii
目錄 iv
表目錄 vi
圖目錄 vii
第一章 緒論 1
1.1研究背景 1
1.2研究動機 3
1.3研究目的 4
1.4 研究流程 5
第二章 文獻探討 7
2.1 行動支付的說明 7
2.2 行動支付的相關研究 9
2.3 中老年人的科技採用相關研究 13
2.4遷徙理論的相關研究 16
2.5個人特質 24
第三章 研究方法 26
3.1研究架構 26
3.2研究假說 27
3.3 問卷設計及衡量方法 31
3.4資料分析方法 38
第四章 研究結果 39
4.1樣本基本資料分析 39
4.2 問項敘述性分析 42
4.3因素與信度、效度分析 46
4.4模型分析與假說檢定 48
4.5其他發現(對比年輕族群) 51
第五章 結論與建議 52
5.1 研究結論 52
5.2 研究貢獻及建議 55
5.3 研究限制與未來研究方向 57
參考文獻 58
附錄一. 研究問卷 65

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