消費者使用P2P借貸服務之影響因素

FinTech一詞在近幾年蔚為風潮，其中，在P2P借貸平台中，金管會認為P2P初步方向為開放銀行與P2P業者合作，或由銀行自行設立P2P，透過銀行業者協助P2P業者解決資金來源、貸放經驗，以及徵信資料不足等問題，因此，本研究以整合型科技接受模式（Unified Theory of Acceptance and Use of Technology）以及知覺風險理論，探討期望效用、努力期望、社會影響、安全性、促成環境及知覺風險等，對民眾使用P2P網路借貸服務平台的意願之影響，找出主要影響使用意願之變數，並以此深入探討，找出能夠提供業者發展P2P網路借貸服務平台的發展方向及推廣著力點，幫助台灣P2P網路借貸服務之發展。本研究以問卷方式，針對18歲以上並有使用網路經驗者進行抽樣，總發放數為800份，回收有效問卷464份，進行信度分析、差異分析及迴歸分析，結果顯示，在期望效用、努力期望、社會影響、安全性對於使用意願具正向顯著影響，而績效風險對使用意願具負向顯著影響；另外，促成環境與使用意願會影響使用行為。

關鍵字

P2P借貸；整合型科技接受模式；期望效用；使用行為

並列摘要

“FinTech” term is really famous in recent years. In the P2P loan platform, FSC thought the initial directions of P2P is the cooperation between banks and the P2P industry, or setting up their own P2P by the banks, and through the banking industry to help P2P industry to solve the source of fund. Therefore, this study takes the Unified Theory of Acceptance and Use of Technology and the perceptual risk theory to discuss the influence of Performance Expectancy, Social Influence, Facilitating Conditions, Effort Expectancy financial risk ,performance risk ,privacy risk , time risk and safety for users’ willing to the use P2P service platform to identify the main impact of the variables of the willing to use, and to explore deeply to find the development of P2P loan service platform. In this study, the questionnaire was used for sampling over 18 years old people who have experience of using network. The total number of cases was 800, and 464 valid questionnaires were collected. The reliability analysis, difference analysis and regression analysis were carried out. The results showed that the Performance Expectancy , Effort Expectancy, Social Influence and safety has a significant positive impact on the use intention, and the performance risk has a significant negative impact on the use intention; In addition, the Facilitating Conditions and the use intention will affect the use behavior.

並列關鍵字

P2P loan ； integrated technology acceptance model ； expected utility ； use of behavior

參考文獻

4.林子渝(2015)，共享經濟下的P2P借貸模式，臺灣經濟研究月刊，38卷8期，頁43-49

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消費者使用P2P借貸服務之影響因素

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