;As a highly technology- developed country, the utilization of network appliances and smart phones is prevalent in Taiwan. The critical factor of the development of smart city is to optimize our quality of life by making a use of technology in our daily life. Internet and the internet of thing are highly bonded with our daily life; especially smart phones play an important role for modern people.
Mobile payment is an important milestone in smart cities. It simplifies monetary transferring. In the past, we need to carry cash or spending time remitting at brick-and-mortar banks. Now, there is nothing required but only make a payment through the internet or smart phones.
The study ascertains the factors that consumers in Taiwan use mobile payments based on TAM as the main structure of this thesis, containing theorems of perceived risks, social influences, facilitating conditions, and consumers′ behavior intensions as the constructs of the research.
The collection of sample data is by issuing an internet questionnaire. The total valid response count is 256. The research results of the factors relating to mobile payments of consumers in Taiwan are as below: Facilitating Conditions has a positive influence on Perceived Usefulness and Perceived Ease of Use﹔‘Perceived Usefulness、Attitude of Users、Social Influence has a significantly positive influence on ‘Behavior Intention for consumers in Taiwan who use mobile payments ﹔Perceived Risk’ is not statistically significant toward Attitude of Users﹔The level of awareness of men is significantly higher than the one of women. The differences of ages and incomes are not significant to Attitude of users﹔Finally, the study analyzes the research results and brings up conclusions and suggestions.
