近年來，世界各地都飽受新冠肺炎的影響，各個產業都遭受到強烈的衝擊，但行動支付產業卻逆勢成長；根據資料顯示，台灣在受到新冠肺炎影響的兩年內，行動支付的使用人數足足成長了883萬人，佔台灣總人口數的四成；另外，疫情期間消費者使用行動支付的頻率發生巨大的變化；這些都表明，疫情已經悄悄改變了台灣消費者對行動支付的態度。 面對這些現象，本研究試圖探討新冠肺炎疫情影響下，影響消費者行動支付使用行為之因素。本研究以計畫行為理論 (Theory of Planned Behavior, TPB) 作為發展的基礎，並採用問卷調查法，透過網路問卷收集研究數據。最終，本研究總共回收2,482份有效樣本，並以結構方程模型 (Structural Equation Modeling, SEM) 統計方法作為主要的分析工具。 本研究結果證實，感知疫情嚴重性對行動支付的態度具有正向影響；態度、促進條件和感知安全性會正向影響行動支付的使用意圖；使用意圖、同儕壓力、促進條件和感知安全性對行動支付的使用行為具有正向影響；信任則會調節感知安全性對使用意圖的影響。 ;In recent years, countries all over the world have been affected by the COVID-19 pandemic. While various industries suffered, the mobile payment industry has grown against the odds. Statistics in Taiwan reveal that during the two years of the pandemic, the number of mobile payment users has grown by 8.83 million, accounting for roughly 40% of its population. In addition, the frequency of consumers’ usage of mobile payment has changed dramatically during the pandemic. These show that the pandemic has quietly changed the consumer attitudes towards mobile payment in Taiwan. In the face of these phenomena, this study attempts to explore the factors affecting consumers’ behavior of mobile payment usage under the pandemic. The theory of planned behavior is employed as the foundation on which extensions are made. This study adopts the questionnaire survey method, and collected data through online questionnaires. A total of 2,482 valid samples were tallied, and the Structural Equation Modeling (SEM) statistical method was used as the major tool for analysis. Results confirm that the perceived severity of COVID-19 has a positive impact on attitudes towards mobile payment; attitudes and facilitating conditions and perceived security positively affect the use intention of mobile payment; use intention, peer pressure, and facilitation conditions and perceived safety positively affects usage behavior of mobile payments; trust interferes the impact of perceived security on use intention.
