創新擴散理論對行動支付接受度的影響─科技接受模式的應用

The Impact of Innovation Diffusion Theory on the Acceptance of Mobile Payment – The Application of the Technology Acceptance Model

杜凱恩(Kai-EN Tu)

指導教授 ： 婁國仁

淡江大學/商管學院/管理科學學系企業經營碩士在職專班/碩士(2017年)

https://doi.org/10.6846/TKU.2017.01086

摘要

商業活動脫離不了交易，而交易則必定牽扯到支付。隨著經濟規模的不斷擴大，交易的型態、頻率及作業方式也持續在變化，以往「一手交錢、一手交貨」交易模式，現在可能只要手機「嗶」一聲就完成交易。 「行動支付」乃實體支付服務應用科技發展之創新應用，具備不受「時空限制」之特性，符合國際消費性支付工具發展之趨勢。全球行動支付規模，從2013年起每2年呈現倍數成長，到2018預估成長至9,180億美元。「行動支付」能否安全、穩定與便捷之運作，實攸關國家經濟發展與整體競爭力。 本研究主要探討使用者對於一項創新科技的接受態度及對其行為意向的影響因素，以科技接受模式做為主要研究架構，並以創新擴散理論做為使用者對行動支付接受度的分類基礎，藉以了解不同特性的消費者接受行動支付的關鍵因素為何。 本研究以323份問卷施測，藉由SPSS 22.0以多元迴歸方式分析，歸納出以下結論： 一、創新科技的接受程度對知覺有用、知覺易用、知覺系統安全有正向影響。 二、知覺易用對知覺有用及知覺系統安全有正向影響。 三、知覺有用、知覺易用、知覺系統安全對行動支付的行為意象有正向影響。

關鍵字

行動支付 ； 創新擴散理論 ； 科技接受模式

並列摘要

Business activities can not be divorced from the transaction, and the transaction will be involved to pay. As the size of the economy continues to expand, the type of transactions, frequency and mode of operation are constantly changing. The previous "cash on delivery" trading model, and now may be as long as a phone’s "beep" sound to complete the transaction.
"Mobile Payment" is an innovative application for the development of physical services, and is not subject to the "time and space constraints" and is in line with the trend of the development of international consumer payment instruments. The scale of global action payments, from 2013 onwards every two years showing multiple growth, to 2018 estimated growth to 918 billion US dollars. Whether the "mobile payment" can be safe, stable and convenient operation, and is related to the national economic development and overall competitiveness.
This study mainly discusses the attitude of acceptance for the user to an innovative technology and its influencing factors, and takes the technology acceptance model as the main research structure. And using the theory of innovation diffusion as the classification basis for the acceptance of mobile payments, to understand why the different characteristics of consumers decided to use mobile payments.
In this study, 323 questionnaires were used and analyzed by SPSS 22.0 in multiple regression analysis. The following conclusions were drawn:
First, the acceptance of innovative technology on perceived useful, perceived ease of use, perceived system security has a positive impact.
Second, perceived ease of use on perceived useful and perceived system security has a positive impact.
Third, perceived useful, perceived ease of use, perceived system security on the behavioral intention of using mobile payment has a positive impact.

並列關鍵字

Mobile Payment ； Innovation Diffusion Theory ； TAM

參考文獻

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