現今網際網路已經融入人們的生活中,資訊安全意識成為網路購物最重視的因素。此外網路新興起的線上第三方公司提供金流之代收代付之服務(例如:eBay網站的 PayPal、Yahoo奇摩網站的ezPay),改變了傳統網路消費的習慣,也提供買家與賣家交易的新選擇。因此本研究欲探討科技接受模型與知覺風險意識是否影響消費者對於新興付款機制之使用意願。 本研究以科技接受模式作為理論的基礎,並且探討電腦自我效能對於知覺易用性和知覺有用性之影響;並結合計劃行為理論探討知覺行為控制變數是否對使用意向有所影響。經實證結果,在全體樣本資料中,資料與理論模型具有理想的適配,各項假設皆獲得支持;若將樣本採使用經驗區分為有使用經驗與沒有使用經驗的兩群樣本,則獲得部分支持。 本研究之研究結論如下: 1.電腦自我效能會正面影響知覺易用性、知覺有用性。 2.知覺易用性、知覺有用性皆會正向影響使用態度與使用意向。 3.電腦自我效能會正面影響知覺行為控制,知覺行為控制會正面影響使用意向。 4.知覺風險會對使用意向產生負面效果。 5.在未使用過的樣本中,知覺有用性和知覺行為控制兩個變數,對使用意向的影響結果為不顯著。
Information security is one of the crucial factors in online shopping. The online third party payment systems, such as the PayPal of the eBay website and the ezPay of the Yahoo website in Taiwan, have become a latest method of online payment. These cash flow services have provided buyers and sellers with new choices and have changed the consumer’s habit of online shopping. Built upon the Technology Acceptance Model (TAM), this research examines the relationship between consumers’ perceived risks and their willingness to use a new payment system. This research examines first the influence of computer self-efficacy on perceived ease of use and perceived usefulness. It further incorporates the Theory of Planned Behavior to investigate the influence of perceived behavioral control on consumers’ intention to use a new payment system. The empirical results show as follows: 1.The computer self-efficacy has positive influence on perceived ease of use and perceived usefulness. 2.The perceived ease of use and perceived usefulness have positive influence on use attitude and use intention. 3.The computer self-efficacy has positive influence on perceived behavioral control, and the perceived behavioral control has positive influence on use intention. 4.The perceived risk has negative influence on use intention. 5.For those who never use PayPal and ezPay, perceived usefulness and perceived behavioral control have no significant influence on use intention.