消費者使用行動支付系統意圖之研究

人們的付款方式隨著科技的發展也不斷地再創新。近年來，由於行動裝置的發展以及普及，加上行動網路的盛行下，民眾可以藉由行動裝置來進行支付的交易行為，使以行動裝置為基礎的支付模式逐漸應用在我們生活之中。在西元2015年時，金管會就打出台灣為行動支付元年的口號，無論是金融業還是科技業皆在投入資源躋身於研發行動支付系統的行列。然而，在眾多的行動支付系統推陳出新下，行動支付系統相關業者該如何提高消費者對於此新興支付服務的接受程度以及使用意願，則為相對重要並需探討的議題。因此，根據過往文獻的探討以及分析，本研究歸納出四個構面向：行動裝置系統、便利性、安全性以及個人認知，並以台灣地區各年齡層作為研究對象，採以便利抽樣方式透過網路問卷發放做調查，再以SPSS作為資料分析之工具，經由驗證假說本研究得知行動支付系統、便利性、安全性以及個人認知皆對使用意願具有正向的顯著影響。

關鍵字

行動商務；行動支付系統；便利性；安全性；個人認知；使用意願

並列摘要

Due to the development of technology, our payment method is improving day by day. In recent years, owing to the development and popularization of mobile devices and networks, people can use the mobile devices to make the payment transaction. Making the device-based payment is applies into our lives. Year 2005, the FSC call this is the first year of mobile payment year. Not only financial industry but technology industry are investing into the R&D research. However, it is an important issue for the operators of mobile payment making the consumer to accept the latest payment services especially when there is more and more mobile payment systems. Hence, according to the past literature, this study summarizes four aspects about the factors influence consumers to use mobile payment system: mobile device system, convenience, safety and personal cognition. Taking different age of groups in Taiwan as research object, using the questionnaire at network to finish the investigation. Applying to the tool SPSS to analyze the data, we have the conclusion that mobile device systems, convenience, safety and personal cognition all have a positive impact on consumer usage Intention of the vitrificated hypothesis.