COVID-19對行動支付使用行為影響之研究

Understanding the Effects of COVID-19 on Mobile Payment Use Behavior

吳宜儒(Yi-Ju Wu)

指導教授 ： 連俊瑋

國立臺中科技大學/資訊與流通學院/資訊管理系碩士班/碩士(2021年)

摘要

隨著行動支付快速的發展，越來越多人開始使用行動支付，行動支付的使用人數和交易額也逐年增加，但距離政府所期望的在2025年可以達到普及率90%，仍有段距離。由於近幾年曾發生過行動支付盜刷的事件，並且有些使用者在使用過後有停用行動支付的經驗，因此本研究的目的是找出影響使用者持續使用的因素。從2019年年底開始，新型冠狀病毒的疫情爆發，許多人害怕使用現金會接觸到現金上的病毒，從而選擇使用行動支付，因此本研究欲探討在新型冠狀病毒爆發期間影響使用者對於行動支付持續使用意圖的因素，以及探討新型冠狀病毒對於行動支付的持續使用是否會造成影響。本研究結合健康信念模式、科技接受模式、信任、隱私和知覺安全提出了研究模型，並使用問卷調查法於疫情不嚴重時期和嚴重時期分別調查，總共收回795份有效問卷，其中484份為使用者在疫情不嚴重時期填答，311份為使用者在疫情嚴重時期填答，結果發現於疫情不嚴重時期，態度是影響持續使用的主要因素，其次是自覺行動障礙；於疫情嚴重時期，態度仍是影響持續使用的主要因素，其次則是信任；而新型冠狀病毒對於行動支付的持續使用是會有影響的。

關鍵字

行動支付 ； 新型冠狀病毒 ； 健康信念模式 ； 科技接受模式 ； 信任 ； 隱私 ； 知覺安全

並列摘要

With the rapid development of mobile payment, more and more people begin to use mobile payment, and the number of users and transaction volume of mobile payment has also increased year by year. However, it is still a long way from the government’s expectation to reach 90% penetration rate by 2025. Since there had been incidents of mobile payment fraudulent using in recent years, and some users disabled mobile payment after using, the purpose of this study was to find out the factors that affect users’ continued using. Since the end of 2019, the epidemic caused by COVID-19 has broken out. Many people are afraid that cash payment will lead them to contact possible virus on the cash, so they choose to use mobile payment. Therefore, this study intended to explore the factors that affect the users’ intention to continue using mobile payment during the COVID-19 outbreak, and the impact of COVID-19 on continuing using of mobile payment. This study proposed a research model combining health belief model, technology acceptance model, trust, privacy, and perceived security, and used questionnaire survey methods to investigate separately during periods of stabilizing periods and pandemic periods. A total of 795 valid questionnaires were retrieved, of which 484 were answered by users when the epidemic was stabilizing periods, and 311 were answered by users when the epidemic was pandemic periods. The results of this study found that in periods when the epidemic was stabilizing, attitude was the main factor that affected continued using, followed by perceived barriers of action; and in pandemic periods, attitude was still the main factor that affected continued using, followed by trust; also, COVID-19 wound have an impact on the continued using of mobile payment.

並列關鍵字

Mobile payment ； COVID-19 ； Health Belief Model ； echnology Acceptance Model ； Trust ； Privacy ； Perceived security

參考文獻

中文參考文獻

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