以大學生角度探討影響第三方支付採用意圖的因素

近年來大眾的消費模式開始由實體店面消費轉向網際網路上的電子商務網站，而電子商務交易中買賣雙方彼此的信任度是交易成功與否的關鍵，第三方支付的金流機制之興起讓買賣雙方都可以透過第三方的保證而獲得對交易的信任。但由於第三方支付服務在臺灣的發展相較於先進國家落後且立法較不完備，同時存在資訊安全上的疑慮，因此本文將利用文獻探討國內第三方支付的發展與未來的走勢，接著以科技接受模式為起始，加入資安構面的考量設計出問卷，訪談國內年輕族群對於採用或不採用第三方支付的決策思維，最後根據問卷調查與文獻探討所得之資料進行分析，建構出國內年輕人採用第三方支付的決策模式，找出影響年輕人使用第三方支付意圖的因素，以供國內有意採用第三方支付的電子商務業者參考。

關鍵字

第三方支付；整合性科技接受模式；資訊安全

並列摘要

In recent years, the public consumption patterns have shifted from physical retail shops to online stores. The Ministry of Economic Affairs indicates that the output value of e-commerce in Taiwan in 2015 would be exceed NTD 1 trillion and the convenience of transactions for e-commerce is the biggest reason that consumers choose to use. The online shopping could lead the trust issue between buyers and sellers, so the third party payment might solve the issue. However, the third-party payment service in Taiwan is not popular as developed countries and also there are many technology information securities exists. Therefore, our article will discuss the development of the third-party payment services in Taiwan and the future trend of the third-party payment according to history references. In addition, we will have questionnaire survey to interview young generations how they feel on the basis of the acceptance of business models and technology information securities. Finally, we will analyze the survey and references and hopefully get the result to build the third party payment business models to refer current the third party payment service offers in Taiwan.