應用『資訊系統接受後持續使用模式』探討知覺風險對行動支付使用者持續使用意願之研究

行動支付服務在加速國家數位經濟發展及推動產業創新轉型扮演一個重要的角色。加上近年來受疫情影響，零接觸的支付方式需求快速成長。國內企業提出了許多不同的行動支付解決方案，並期望能提升使用者的使用黏著度。如何讓消費者從過去傳統的支付方式，轉向使用特定行動支付方案並願意持續使用，就成了一個重要的研究課題。本研究應用IS接受後持續使用模式，考量使用者知覺風險構面，建構結構方程模型，探討影響使用者持續使用行動支付的相關因素。研究以全聯福利中心的行動支付PX Pay使用者為研究對象，透過網路問卷進行資料收集，並使用Smart PLS為工具進行測量模型與結構模型分析。結果發現使用者對於行動支付所可能產生的功能風險與財務風險對其是否持續使用具有較決定性的影響。

關鍵字

行動支付；知覺風險；期望確認理論；持續使用意願

並列摘要

Mobile payment services play an important role in accelerating the development of the country's digital economy and promoting industrial innovation and transformation. In addition, affected by the epidemic in recent years, the demand for non-contact mode payment has grown rapidly. Domestic businesses have come up with many different mobile payment solutions and expect to improve user stickiness. How to make consumers switch from traditional payment methods to using specific mobile payment schemes and willing to continue to use them has become an important issue. This study applies the Post-Acceptance Model of IS Continuance, considers the user's perceived risk dimension, constructs a structural equation model, and explores the relevant factors that affect the user's continuous use of mobile payment. The mobile payment PX Pay users of the PX Mart are the research objects. Data collection was carried out through an online questionnaire and Smart PLS was used as a tool for measurement model and structural model analysis. The results show that the functional risk and financial risk that may arise from mobile payment have a more decisive impact on whether the user will continue to use it.