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題名 臺灣使用者採用行動支付之因素探討
作者 黃群倫
Huang, Chun-Lun
貢獻者 陳立民
Chen, Li-Ming
黃群倫
Huang, Chun-Lun
關鍵詞 行動支付
Mobile Payment
日期 2021
上傳時間 4-Aug-2021 16:39:27 (UTC+8)
摘要 隨著技術的發展，行動服務對我們日常的生活影響越來越深刻，服務提供商也開始提供有趣且新穎的服務。其中，行動支付Mobile Payment讓使用者無論身在何處或是任何時間都能透過行動設備或是裝置來進行交易並取得商品或服務。
臺灣也隨著行動支付的逐漸普及，各家金融機構也紛紛與行動支付廠商進行合作，提供許多優惠。一般店家也開始提供行動支付付款的行列，除了加速交易進行，亦可在應用程式上推廣店家知名度。
本研究中探討了有關於行動支付服務的相關文獻，分析不同因素對使用者決定是否採用行動支付的影響，另也探討不同類型的使用者是哪些因素影響決定。為了分析行動支付使用者，本研究提出一項行動支付的研究模型，該模型以實用性、易用性為主要影響使用意向的因素，搭配使用者差異（個人創新與行動支付知識）與四項行動支付系統特性（行動性、觸及性、社會影響與信任程度）進行假說檢驗。
結果顯示，使用意向皆受易用性與實用性影響，而受訪者表示觸及性並非他們決定是否採用行動支付之因素。另外，值得一提的是，行動支付的早期採用者對於行動支付的易用性非常重視，而晚期採用者在決定使用行動支付時，易用性與實用性都不在他們的考量範圍內。
With recent advances in technology, mobile service has been affecting our daily lives. In addition, mobile service business also starts offering interesting and new services. One of the services is mobile payment which makes users be able to acquire goods or services via mobile equipment wherever they go and whenever they are.
In Taiwan, with mobile payment getting widespread, each financial institution starts cooperating with mobile payment firms. Shops also start allow customers to pay with mobile payment because it can accelerate the pay time and be able to popularize themselves on the apps.
In this thesis, we reviewed literatures about mobile payment services, analyzing how different factors affect users. Besides, we also discussed how different factors affect two types of users, early adopters and late adopters. We use a model which three major factors plus two user differences and four mobile payment characteristics to do hypothesis tests.
The results show that both factors, “Ease of Use” and “Usefulness”, affec factor, “Intention to Use”, yet respondents say that “Reachability” is not the factor they decide to use mobile payment or not. On the other hand, it is interesting to find out late adopters take no importance on either factor, “Ease of Use” or “Usefulness.”
參考文獻 Agarwal R., Prasad J. (1999). Are individual differences Germane to the acceptance of new information technologies? Decision Sciences, 30(2), pp. 361– 391.
Ajzen I. (1991). The theory of planned behavior. Organizational Behavior and Human. Decision Processes, 50, pp. 179–211.
Anckar B., D’Incau D. (2002). Value creation in mobile commerce. Findings from a consumer survey. JITTA: Journal of Information Technology Theory & Application, 4(1), pp. 43–65.
Antovski L., Gusev M. (2003). M-Payments. Paper presented at the 25th International Conference of Information Technology Interfaces, Cavtat, Croatia.
Au Y. A., Kauffman R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7, pp. 141–164.
Cheong J. H., Park M. C., Hwang J. H. (2004). Mobile payment adoption in Korea: Switching from credit card. Paper presented at the ITS 15th Biennial Conference, Berlin, Germany, September, pp. 4–7.
Chong Y. L., Chan T.S., Ooi K. B. (2012). Predicting consumer decisions to adopt mobile commerce: Cross country empirical examination between China and Malaysia. Decision Support Systems, 53, pp. 35-42.
Clarke I. (2001). Emerging value propositions for M-commerce. Journal of Business
Strategies, 18(2), pp. 133–149.
Coursaris C., & Hassanein K. (2002). Understanding M-commerce a consumer centric model. Quarterly Journal of Electronic Commerce, 3(3), pp. 247–271.
Dabholkar P.A., Bagozzi R.P. (2002). An attitudinal model of technology-based self-service: moderating effects of consumer traits and situational factors. J. Acad. Mark. Sci., 30(3), pp. pp. 184-201.
Dahlberg T., Mallat N., Penttinen E., Sohlberg P. (2002). What characteristics of mobile payment solutions make them valuable to consumers? Proceedings of the global information technology management conference, New York, USA.
Dahlberg T., Mallat N., Öörni A. (2003a). Consumer acceptance of mobile payment solutions – Ease of use, usefulness and trust. Paper presented at the 2nd International Conference on Mobile Business, Vienna, Austria, June, pp. 23–24.
Dahlberg T., Mallat N., Öörni A. (2003b). Trust enhanced technology acceptance model-consumer acceptance of mobile payment solutions. Paper presented at the 2nd Mobility Roundtable, Stockholm, Sweden, May, pp. 22–23.
Davis F. D. (1986). A technology acceptance model for empirically testing new end- user information system: Theory and results. Doctoral Dissertation, Sloan School
of Management, Massachusetts Institute of Technology.
Davis F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), pp. 318–330.
Davis F. D. (1993). User acceptance of information technology: System characteristics, user perception, and behavior impacts. International Journal of Man Machine Studies, 38(3), pp. 475–487.
Davis F. D., Bagozzi R. P., Warshaw P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), pp. 982–1003.
Dewan S. G., Chen L. D. (2005). Mobile payment adoption in the USA: A cross-industry, cross-platform solution. Journal of Information Privacy and Security, 1(2), pp. 4–28.
Di Pietro L., Guglielmetti Mugion R., Mattia G., Renzi M. F., Toni M., (2015). The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport. Transp.Res. Part C Emerg. Technol., 56, pp.463–479.
Ding M. S., Hampe J. F. (2003). Reconsidering the challenges of M-payments: A roadmap to plotting the potential of the future M-commerce market. Paper presented at the 16th Bled eCommerce Conference, Bled, Slovenia, June, pp. 9–11.
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Kim C. S., Mirusmonov M., Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26, pp. 310-321.
Koenig L., Marquet N., M. Palmer, Zhao A., L A. (2015). Enjoyment and social influence: predicting mobile payment adoption. Serv. Ind. J., 35(10), pp. 537-554.
Leong L.-Y., Hew T.-S., Tan G.W.-H., Ooi K.B. (2013). Predicting the determinants of the NFC-enabled mobile credit card acceptance: a neural network approach. Expert Syst. Appl., 40, pp. 5604-5620.
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一流人，行動支付取代信用卡？台、日的發展速度為何比中國慢？，2020年04月15日，檢自：https://www.gvm.com.tw/article/72119
行政院重要政策之加速行動支付普及，2019年09月11日，檢自：https://www.ey.gov.tw/Page/5A8A0CB5B41DA11E/84ca877a-f946-4684-a19d-732a351dc448
補貼推廣奏效？QR Code支付使用率，大幅超越NFC感應，2019年07月18日，檢自：https://www.bnext.com.tw/article/54031/nfc-vs-qr-code-payment
描述 碩士
國立政治大學
企業管理研究所(MBA學位學程)
108363098
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108363098
資料類型 thesis
dc.contributor.advisor 陳立民zh_TW
dc.contributor.advisor Chen, Li-Mingen_US
dc.contributor.author (Authors) 黃群倫zh_TW
dc.contributor.author (Authors) Huang, Chun-Lunen_US
dc.creator (作者) 黃群倫zh_TW
dc.creator (作者) Huang, Chun-Lunen_US
dc.date (日期) 2021en_US
dc.date.accessioned 4-Aug-2021 16:39:27 (UTC+8)-
dc.date.available 4-Aug-2021 16:39:27 (UTC+8)-
dc.date.issued (上傳時間) 4-Aug-2021 16:39:27 (UTC+8)-
dc.identifier (Other Identifiers) G0108363098en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136738-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 企業管理研究所(MBA學位學程)zh_TW
dc.description (描述) 108363098zh_TW
dc.description.abstract (摘要) 隨著技術的發展，行動服務對我們日常的生活影響越來越深刻，服務提供商也開始提供有趣且新穎的服務。其中，行動支付Mobile Payment讓使用者無論身在何處或是任何時間都能透過行動設備或是裝置來進行交易並取得商品或服務。
臺灣也隨著行動支付的逐漸普及，各家金融機構也紛紛與行動支付廠商進行合作，提供許多優惠。一般店家也開始提供行動支付付款的行列，除了加速交易進行，亦可在應用程式上推廣店家知名度。
本研究中探討了有關於行動支付服務的相關文獻，分析不同因素對使用者決定是否採用行動支付的影響，另也探討不同類型的使用者是哪些因素影響決定。為了分析行動支付使用者，本研究提出一項行動支付的研究模型，該模型以實用性、易用性為主要影響使用意向的因素，搭配使用者差異（個人創新與行動支付知識）與四項行動支付系統特性（行動性、觸及性、社會影響與信任程度）進行假說檢驗。
結果顯示，使用意向皆受易用性與實用性影響，而受訪者表示觸及性並非他們決定是否採用行動支付之因素。另外，值得一提的是，行動支付的早期採用者對於行動支付的易用性非常重視，而晚期採用者在決定使用行動支付時，易用性與實用性都不在他們的考量範圍內。		zh_TW
dc.description.abstract (摘要) With recent advances in technology, mobile service has been affecting our daily lives. In addition, mobile service business also starts offering interesting and new services. One of the services is mobile payment which makes users be able to acquire goods or services via mobile equipment wherever they go and whenever they are.
In Taiwan, with mobile payment getting widespread, each financial institution starts cooperating with mobile payment firms. Shops also start allow customers to pay with mobile payment because it can accelerate the pay time and be able to popularize themselves on the apps.
In this thesis, we reviewed literatures about mobile payment services, analyzing how different factors affect users. Besides, we also discussed how different factors affect two types of users, early adopters and late adopters. We use a model which three major factors plus two user differences and four mobile payment characteristics to do hypothesis tests.
The results show that both factors, “Ease of Use” and “Usefulness”, affec factor, “Intention to Use”, yet respondents say that “Reachability” is not the factor they decide to use mobile payment or not. On the other hand, it is interesting to find out late adopters take no importance on either factor, “Ease of Use” or “Usefulness.”		en_US
dc.description.tableofcontents 謝　誌 II
摘　要 III
ABSTRACT IV
目　次 V
表　次 VII
圖　次 VIII
第一章　緒論 1
第二章　文獻探討與假說 3
第一節　關於行動支付 3
第二節　使用者差異 5
第三節　行動支付系統特性 7
第四節　科技接受模型TECHNOLOGY ACCEPTANCE MODEL 10
第三章　研究方法 15
第一節　研究工具 15
第二節　研究樣本 15
第四章　資料分析 18
第一節　信度與效度分析 18
第二節　模型擬合分析 21
第三節　假說檢驗 22
第四節　管理意涵 23
第五章　延伸探討 26
第一節　早期採用者與晚期採用者 26
第二節　模型擬合分析 28
第三節　假說檢驗 29
第四節　管理意涵 32
第六章　結論與未來展望 34
附　錄 36
參　考　文　獻 38		zh_TW
dc.format.extent 1687491 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108363098en_US
dc.subject (關鍵詞) 行動支付zh_TW
dc.subject (關鍵詞) Mobile Paymenten_US
dc.title (題名) 臺灣使用者採用行動支付之因素探討zh_TW
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Agarwal R., Prasad J. (1999). Are individual differences Germane to the acceptance of new information technologies? Decision Sciences, 30(2), pp. 361– 391.
Ajzen I. (1991). The theory of planned behavior. Organizational Behavior and Human. Decision Processes, 50, pp. 179–211.
Anckar B., D’Incau D. (2002). Value creation in mobile commerce. Findings from a consumer survey. JITTA: Journal of Information Technology Theory & Application, 4(1), pp. 43–65.
Antovski L., Gusev M. (2003). M-Payments. Paper presented at the 25th International Conference of Information Technology Interfaces, Cavtat, Croatia.
Au Y. A., Kauffman R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7, pp. 141–164.
Cheong J. H., Park M. C., Hwang J. H. (2004). Mobile payment adoption in Korea: Switching from credit card. Paper presented at the ITS 15th Biennial Conference, Berlin, Germany, September, pp. 4–7.
Chong Y. L., Chan T.S., Ooi K. B. (2012). Predicting consumer decisions to adopt mobile commerce: Cross country empirical examination between China and Malaysia. Decision Support Systems, 53, pp. 35-42.
Clarke I. (2001). Emerging value propositions for M-commerce. Journal of Business
Strategies, 18(2), pp. 133–149.
Coursaris C., & Hassanein K. (2002). Understanding M-commerce a consumer centric model. Quarterly Journal of Electronic Commerce, 3(3), pp. 247–271.
Dabholkar P.A., Bagozzi R.P. (2002). An attitudinal model of technology-based self-service: moderating effects of consumer traits and situational factors. J. Acad. Mark. Sci., 30(3), pp. pp. 184-201.
Dahlberg T., Mallat N., Penttinen E., Sohlberg P. (2002). What characteristics of mobile payment solutions make them valuable to consumers? Proceedings of the global information technology management conference, New York, USA.
Dahlberg T., Mallat N., Öörni A. (2003a). Consumer acceptance of mobile payment solutions – Ease of use, usefulness and trust. Paper presented at the 2nd International Conference on Mobile Business, Vienna, Austria, June, pp. 23–24.
Dahlberg T., Mallat N., Öörni A. (2003b). Trust enhanced technology acceptance model-consumer acceptance of mobile payment solutions. Paper presented at the 2nd Mobility Roundtable, Stockholm, Sweden, May, pp. 22–23.
Davis F. D. (1986). A technology acceptance model for empirically testing new end- user information system: Theory and results. Doctoral Dissertation, Sloan School
of Management, Massachusetts Institute of Technology.
Davis F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), pp. 318–330.
Davis F. D. (1993). User acceptance of information technology: System characteristics, user perception, and behavior impacts. International Journal of Man Machine Studies, 38(3), pp. 475–487.
Davis F. D., Bagozzi R. P., Warshaw P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), pp. 982–1003.
Dewan S. G., Chen L. D. (2005). Mobile payment adoption in the USA: A cross-industry, cross-platform solution. Journal of Information Privacy and Security, 1(2), pp. 4–28.
Di Pietro L., Guglielmetti Mugion R., Mattia G., Renzi M. F., Toni M., (2015). The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport. Transp.Res. Part C Emerg. Technol., 56, pp.463–479.
Ding M. S., Hampe J. F. (2003). Reconsidering the challenges of M-payments: A roadmap to plotting the potential of the future M-commerce market. Paper presented at the 16th Bled eCommerce Conference, Bled, Slovenia, June, pp. 9–11.
Fishbein M., Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
Grassie K. (2007). Easy handling and security make NFC a success. Card Technol. Today, 19(10), pp. 2-13.
Hamza A., Shah A. (2014). Gender and mobile payment system adoption among. students of tertiary institutions in Nigeria. Int. J. Comput. Inform. Technol., 3(1).
Harris M.A., Brookshire R., Chin A.G., (2016). Identifying factors influencing consumers’ intent to install mobile applications. Int. J. Inf. Manag., 36(3), pp. 441-450.
Huang T.C.K., Wu I.L., Chou C.M. (2013). Investigating use continuance of data mining tools. Int. J. Inf. Manag., 33(5), pp. 791-801.
Karahanna E., Ahuja M., Srite M., Galvin, J. (2002). Individual differences and relative advantage: The case of GSS. Decision Support Systems, 32(4), pp. 327–341.
Kim C. S., Mirusmonov M., Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26, pp. 310-321.
Koenig L., Marquet N., M. Palmer, Zhao A., L A. (2015). Enjoyment and social influence: predicting mobile payment adoption. Serv. Ind. J., 35(10), pp. 537-554.
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dc.identifier.doi (DOI) 10.6814/NCCU202100718en_US