電子支票使用之認知與動機研究

支付工具的演進，隨著時代潮流、生活習性改變，從傳統支付工具演變至今邁向電子化的時代，本研究將對電子支票這項金融商品加以探討並進一步了解消費者對於電子支票的認知與使用動機，藉此建立有效、安全、低風險的付款方式，能夠在市場上廣受好評，帶動國內電子商務的發展。針對台灣企業與國人的使用實體支票與電子支票的習性，受限於時間及人力因素。因此，研究對象主要以中部地區各金融業者使用電子支票的客戶為訪查對象，進行問卷調查。問卷發放總數為120份，實際回收有效問卷份數為85份。本研究問卷調查之資料，經樣本結構分析(次數分配百分比、平均數)、信度分析、因素分析、二元邏輯斯迴歸分析，進行統計資料分析。實證結果顯示： 1. 電子支票的資料安全性簽發電子支票目前無法檢核受款人帳戶資料的正確性，存在不安全性，即使可以提升付款效率減化作業流程，以安全性為考量還是不願意使用電子支票。 2. 電子支票的便利性使用管道不足、提示也不方便、簽發的使用者以及受款人過少等因素，即使有政府推動使用者享有裝機補助政策，無法順利推展此項電子支付工具。 3. 使用者對資訊安全性疑慮使用者對電子支票的資訊安全存有疑慮，反映出對網路安全問題的重視。同時也可能反映出使用者的認知不足或是電子支票系統支付流程過於複雜不易了解。

關鍵字

電子支票；支付工具；消費者行為；認知

並列摘要

With the time passing and the changing of living habits, the evolution of payment instruments has evolved from a traditional payment tools into the electronic age, this study will investigate the electronic check of the financial products and learn more about consumer awareness and electronic check using motivation to establish an effective, safe, low-risk method of payment, to wide acclaim in the market and stimulate domestic development of electronic commerce. In the light of the using physical checks and electronic checks habits for Taiwanese companies and people, limited to time and human factors. Therefore, the study mainly in the central region of the financial industry customers to use electronic check. A total of 120 questionnaires were issued, the actual number of copies of valid questionnaires is 85 copies. In this study, the statistical analysis include the structural analysis of the sample (percentage of frequency distribution, mean), reliability analysis, factor analysis, binary logistic regression analysis.Empirical results show that: 1. The security of electronic check Issuance of electronic checks can not currently check the accuracy of nuclear payee account data, there is insecurity, even if it can improve the efficiency of reduction of payment processes, to safety in mind, it does not to use electronic checks. 2. The convenience of electronic check Since the users and the payee is too less and other factors, even if users have installed a government subsidy policies to promote, it is not smoothing to implement the electronic payment instruments. 3. Information security concerns for Users Users doubt the information security of electronic check, reflecting the importance of network security issues. Also may reflect the lacking of recognition about systems or electronic check payment process is too complex to understand.