以科技接受模式探討台灣消費者使用行動支付之因素

NCUIR > School of Management at National Central University > Executive Master of Industrial Economics > Electronic Thesis & Dissertation > Item 987654321/77337

Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/77337

Title:	以科技接受模式探討台灣消費者使用行動支付之因素
Authors:	曾怡均;Tseng, Yi-Chun
Contributors:	產業經濟研究所在職專班
Keywords:	行動支付;科技接受理論;知覺風險;支付寶;Line Pay;Mobile Payment;Technology Acceptance Model;Perceived risk;Alipay
Date:	2018-06-29
Issue Date:	2018-08-31 14:33:55 (UTC+8)
Publisher:	國立中央大學
Abstract:	台灣是科技發展高度的國家，綿密的通訊網路設備，智慧型手機的普及，智慧城市重要的發展，是將優化生活品質的科技運用於日常，互聯網與物聯網等相關聯網技術，在我們身邊緊密相依，尤其以智慧型手機為現代人不可或缺的生活必需品。「行動支付」是邁向智慧城市的重要里程碑。可以簡化因為交易中的金錢移轉，過去我們需要帶著現金在身邊，或是花費時間前往實體銀行進行金融支付行為，現在僅需要透過網路及手機即刻的進行支付。本研究的主要目的，在探討台灣消費者使用行動支付的因素，以科技接受理論模型(TAM)作為本論文的主要架構，加入知覺風險、社會影響、促成條件與消費者行為意圖等理論作為研究之構面。以網路問卷的方式進行樣本資料的收集，總計有效樣本數256筆，實證研究結果如下影響台灣消費者使用行動支付的因素﹕促成條件對於認知有用性及認知易用性有正向影響﹔認知有用性﹑使用者態度、社會影響對於台灣消費者使用行動支付中的行為意圖有正向影響。但知覺風險對於使用者態度的影響不明顯。男性認知程度大於女性，不同的年齡與收入對於行動支付的使用態度沒有明顯的差異。最後以本研究的實證結果提出結論與建議。 ;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.
Appears in Collections:	[Executive Master of Industrial Economics] Electronic Thesis & Dissertation

Files in This Item:

File	Description	Size	Format
index.html		0Kb	HTML	281	View/Open

社群 sharing

Loading...