隨著行動科技與數位金融的普及，電子支付已逐漸成為消費者日常交易的重要工具。近年國人出境旅遊人數持續增加，如何促進消費者於海外旅遊時使用電子支付，已成為產業與學術界關注的議題。本研究以科技接受模型（Technology Acceptance Model, TAM）為理論基礎，結合「信任」與「便利性」兩項外部構面，探討國人於國外旅遊情境下使用電子支付之行為意圖。 本研究採用問卷調查法，共回收有效樣本231份，並運用結構方程模型（Structural Equation Modeling, SEM）進行實證分析。研究結果顯示，便利性對感知有用與感知易用均具有顯著正向影響；信任對感知易用具顯著正向效果，但對感知有用影響不顯著。感知易用除能顯著影響感知有用外，亦對使用意圖產生正向影響；而感知有用則為影響使用意圖的關鍵因素。整體而言，模型適配度良好，顯示 TAM 模型於跨境支付情境中具良好解釋力。 本研究結果指出，消費者在海外使用電子支付的意圖主要取決於對系統效益與操作便利性的認知，信任雖為重要前因，但其影響多透過易用性間接發揮作用。研究成果除可作為電子支付業者設計跨境應用與行銷策略之參考外，亦提供未來相關研究在理論模型擴充與跨國比較上的實證基礎。 ;With the rapid advancement of mobile technology and digital finance, electronic payment (e-payment) has become an essential tool for daily transactions. As the number of Taiwanese travelers going abroad continues to increase, understanding the factors that influence their intention to use e-payment while traveling overseas has become a crucial issue for both academia and industry. This study adopts the Technology Acceptance Model (TAM) as its theoretical foundation and incorporates two external constructs—trust and convenience—to explore Taiwanese consumers’ behavioral intention to use e-payment in international travel contexts. A total of 231 valid responses were collected through a questionnaire survey, and Structural Equation Modeling (SEM) was employed for empirical analysis. The results indicate that convenience has a significant positive effect on both perceived usefulness and perceived ease of use. Trust positively influences perceived ease of use but shows no significant effect on perceived usefulness. Furthermore, perceived ease of use not only significantly affects perceived usefulness but also directly influences behavioral intention, while perceived usefulness remains the most critical determinant of usage intention. Overall, the model demonstrates good fit, confirming the applicability of TAM in cross-border payment contexts. The findings suggest that travelers’ willingness to adopt e-payment abroad is primarily driven by their perceptions of usefulness and operational convenience. Although trust plays an important role, its impact mainly operates through perceived ease of use. The results provide practical insights for e-payment service providers to enhance cross-border payment experiences and offer theoretical implications for extending TAM and conducting future comparative studies across different cultural and international contexts.
