臺灣博碩士論文加值系統

本篇碩士論文主要的目的是探討了越南人在COVID-19疫情期間及其後期間，儘管最初採用了行動支付方式，但仍回歸現金支付的現象。由於數字支付系統因其便利性、安全性和無接觸性而迅速普及，人們預計在疫情過後行動支付的採用率將持續增長。然而，實證證據表明，部分用戶仍然因各種原因而回歸現金支付。
本研究旨在基於524份調查樣本，確定推動或阻礙越南人從現金支付轉向非現金支付的因素。研究重點關注在越南有經驗和意願使用行動支付的消費者身上。
本研究將探討多個行為變革的潛伏驅動因素，包括替代選項吸引力、知覺的安全與隱私、業績預期、努力期望、社會環境的影響、貨幣價值跟便利條件。此外，本研究還將調查歲數、人口統計、學歷水平等人均收入變量與回歸使用現金支付可能性介於的關聯度。最後，論文的結果有望提供有關越南顧客行為和電子付款採用的動態的寶貴見解。這些結果對於政策制定者、金融機構和電子付款提供商具有相關性，能夠幫助他們制定策略跟干預措施，為增強運用電子付款工具，並解決在越南市場普及電子支付所面臨的挑戰。

This master thesis investigates the phenomenon of Vietnamese individuals reverting to cash payments despite initially adopting mobile payment methods during and following the COVID-19 pandemic. As digital payment systems gained significant traction due to their convenience, security, and contactless nature, the adoption of mobile payments was expected to persist even after the pandemic. However, empirical evidence suggests that some users still revert to cash payments for various reasons.
This study was conducted to identify the factors that promote or hinder the transition of Vietnamese people’s payments in cash to non-cash payments, based on a total of 524 survey samples. The research focused on customers who have the experience and intent of using electronic payment in Vietnam.
The research will explore various potential drivers for this behavior change, including perceived alternative attractiveness, social influence, perceived security and privacy, performance expectation, effort expectation, and facilitating conditions. Additionally, the study will investigate any correlations between demographic factors including age, income level, educational attainment, and the likelihood of reverting to cash payments.
The findings of this thesis should be useful in understanding consumer behavior dynamics and the adoption of mobile payments in the Vietnamese context. The results will be relevant for policymakers, financial institutions, and mobile payment providers, enabling them to develop strategies and interventions to enhance the sustained usage of mobile payments and address the challenges that hinder their widespread adoption in the Vietnamese market.

Table of Contents

摘 要 i
ABSTRACT ii
Acknowledgments iv
Table of Contents v
List of Tables viii
List of Figures x
List of Abbreviations xi
Chapter 1 Introduction 1
1.1 Background and Motivation 1
1.2 Research Objectives 2
1.3 Research Procedure 4
Chapter 2 LITERATURE REVIEW. 5
2.1 Research concepts 5
2.1.1 Cash Concepts 5
2.1.2 Cashless payment 6
2.2 Research Framework 7
2.2.1 Theory of Push-Pull-Mooring 7
2.2.2 Unified Theory of Use and Acceptance of Technology model (UTAUT). 8
2.3 Previous Studies 9
2.3.1 Research topic of Xiu-Ming Loh et al. (2021) 9
2.3.2 Research topic of Junadi and Sfenrianto (2015) 10
2.3.3 Research topic of Husnil Khatimah and Fairol Halim (2014) 11
2.3.4 Research topic of Fahd Alduais and Mohammad O. Al-Smadi (2022) 12
2.3.5 Research topic of Hiram Ting, Yusman Yacob, Lona Liew, Wee Ming Lau (2015) 13
Chapter 3 RESEARCH METHODS. 15
3.1 The proposed research models. 15
3.1.1 Performance expectation 15
3.1.2 Effort expectation 16
3.1.3 Social influence 16
3.1.4 Facilitating conditions 17
3.1.5 Monetary Value 18
3.1.6 Alternative Attractiveness 18
3.1.7 Perceived Security and Privacy 19
3.2 Sampling method, sample size, and data collection method. 20
3.2.1 Sampling method 20
3.2.2 Sample size 21
3.2.3 Data collection method. 21
3.3 Scale development 22
3.4 Methods of data processing and Analysis 26
3.4.1 Verification of the reliability of the Cronbach alpha scale. 26
3.4.2 Exploratory Factor Analysis, EFA 27
3.4.3 Pearson correlation coefficient 27
3.4.4 Multiple regression analysis 28
3.4.5 Test the assumptions for linear regression. 29
Chapter 4 ANALYSIS RESULTS. 31
4.1 Status 31
4.1.1 Status of Cash and Cashless Payments Worldwide 31
4.1.2 The pre- and post-COVID state of non-cash payments in Vietnam. 34
4.1.3 Cash Payment Situation in Vietnam Before and After COVID 37
4.1.4 The Role of Cash after the Pandemic 46
4.2 Description of the survey sample 47
4.3 Descriptive statistics 51
4.4 Evaluation of measurement scale reliability 54
4.5 Exploratory Factor Analysis (EFA) 58
4.5.1 Exploratory Factor Analysis for Independent Variables 58
4.5.2 Exploratory Factor Analysis for Dependent Variable 70
4.6 Correlation analysis 71
4.7 Regression analysis 73
4.7.1 Model evaluation 73
4.7.2 Multicollinearity test 75
4.7.3 Independent variable P-value test 76
4.8 Regression Assumptions check 76
4.9 Research Limitations 78
Chapter 5 CONCLUSIONS. 80
5.1 Conclusion 80
5.2 Proposal 84
5.3 Directions for Future Research 87
References 88
Questionnaire 94

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