以行動科技接受模式探討電子行動支付工具顧客使用意圖之研究

現今數位時代的潮流下，電子行動支付工具模式愈來愈多元，近年來行動支付的發展自2000年起逐漸興起，全球行動支付市場中以電子行動支付之規模最快速成長。本研究考量電子行動支付工具之特性，將安全性及成本作為外部變項，採用行動科技接受模式為研究之參考架構，探討電子行動支付工具之行動有用性、行動易用性，對於顧客持續使用意圖之影響。本研究透過立意取樣方式採用問卷調查法，以曾經使用過電子行動支付工具之顧客為對象，進行資料蒐集與分析，回收有效樣本202份。研究結果：（1）「安全性」不顯著影響「行動有用性」；（2）「安全性」正向影響「行動易用性」；（3）「成本」正向影響「行動易用性」；（4）「成本」正向影響「行動有用性」；（5）「行動易用性」正向影響「行動有用性」；（6）「行動有用性」正向影響「使用意圖」；（7）「行動易用性」正向影響「使用意圖」之間相互關係。本研究根據假設建議，認為顧客使用電子行動支付工具，其安全性、成本、方便快速效果，影響顧客之使用意圖，相關研究結果可供電子支付工具服務之企業廠商，及後續研究者之參據。

關鍵字

電子行動支付工具；行動科技接受模式；安全性；成本；使用意圖

並列摘要

With the current trend of the digital age, electronic mobile payment tool models are becoming more and more diversified. In recent years, the development of mobile payment has gradually emerged since 2000. The scale of electronic mobile payment has grown the fastest in the global mobile payment market. This study considers the characteristics of electronic mobile payment tools, takes security and cost as external variables, and uses mobile technology acceptance models as the research reference framework to explore the usefulness and ease of use of electronic mobile payment tools, and continue to be used by customers Influence of intention. In this study, a questionnaire survey method was adopted through a deliberate sampling method to collect and analyze data from customers who had used electronic mobile payment tools. 202 valid samples were collected. Research results: (1) "Security" does not significantly affect "Mobile Usability" ; (2) "Security" positively affects "Mobile Usability" ; (3) "Cost" positively affects "Mobile Usability" ; (4)"Cost" positively affects "usefulness of action" ; (5) "Ease of use" positively affects "usefulness of action" ; (6) "usefulness of action" positively affects "intention to use" ; (7 ) "Ease of use" positively affects the relationship between "use intentions".Based on hypothetical recommendations, this research believes that the safety, cost, convenience and speed of the use of electronic mobile payment tools by customers affect customers’ intention to use, and the relevantt research results can be used as reference for enterprise manufacturers of electronic payment tools services and subsequent researchers the reference.

並列關鍵字

mobile technology acceptance model ； electronic mobile payment tool ； security ； cost ； use intention

參考文獻

一、中文部份

Google Scholar

大和有話說（2018）。台灣行動支付廠商代表。2018年8月19日發表，取自https://dahetalk.com/2018/08/19/%E3%80%90%E5%9C%96%E8%A7%A3%E3%80%91%E5%8F%B0%E7%81%A3%E8%A1%8C%E5%8B%95%E6%94%AF%E4%BB%98%E5%A4%A7%E6%AF%94%E6%8B%BC%EF%BC%9Aline- pay%E3%80%81%E8%A1%97%E5%8F%A3%E6%94%AF%E4%BB%98%E3%80%81apple-pay/。