運用層級分析法探討使用者採用行動支付的考量因素

隨著資訊科技的創新與研發，許多的行動支付技術被開發出來，也被許多消費者接受，大眾的消費習慣從過去傳統現金交易變成無紙幣交易，最近幾年又因為智慧型行動裝置的發達而讓行動支付快速普及，這也是未來商業支付的主要潮流。近年來我國的行動支付產業也逐漸成熟，不管是政府的政策輔導或是廠商研發創新的技術，都持續不斷的推展當中，本研究之目的即在探討影響消費者使用行動支付的考量因素。本研究藉由文獻探討，彙整出安全信任性、使用操作性、社會影響性以及附加價值性為主要影響消費者採用行動支付的四項主構面，再運用層級分析法(AHP)進行資料收集與分析，最後比較不同區域及年齡族群對於此問題的看法異同。整體結果而言，安全性是多數使用者所最關心的問題，相關行動支付廠商必須特別注意此問題。

關鍵字

行動支付；層級分析法

並列摘要

With the rapid development and innovation of information technology, lots of mobile payment technologies have been developed and accepted by many consumers. The people's consumption habits have changed from traditional cash transactions to paperless transactions. In recent years, due to the development of smart mobile devices, mobile payment has been rapidly popularized, which is also the primary trend of payment mechanisms in the future. In this research, we applied the Analytic Hierarchy Process (AHP) to explore the critical factors that would affect the adoption of mobile payment of consumers. Through the literature review, four primary constructs might affect the consumers' adoption of mobile payment, and they are security, operational functionalities, social influence, and additional value. The analysis results show that security is the most important issue of consumers to adopt mobile payment.