COVID-19疫情對行動支付使用意圖的影響

受到COVID-19疫情影響，人們的生活產生了巨大變化。消費者對染疫風險的擔憂改變了消費習慣，越來越多消費者轉而使用行動支付等非接觸支付進行付款。本研究以科技接受模式（TAM）為基礎，輔以感知疫情風險、社會影響、便利性等外部變數，希望藉以了解疫情期間影響行動支付使用意圖的因素。本研究採用網路問卷調查法，共計回收302份，經篩選無效問卷後，將 274 份之有效問卷以SPSS 分析軟體進行檢定分析，研究實證結果，社會影響對感知疫情風險與感知有用性有正向影響；便利性對感知有用性與感知易用性有正向影響；感知易用性對感知有用性有正向影響；感知疫情風險、感知有用性與感知易用性對使用意圖有正向影響。實務意涵方面，本研究依研究結果分別針對業者與相關推廣部門提出推廣建議，希望能對提升行動支付普及率給予幫助。並於最後提出研究限制與不足之處，並提出未來研究方向建議，供未來相關研究者進行參考。

關鍵字

科技接受模式(TAM) ；社會影響；便利性；行動支付

並列摘要

The COVID-19 pandemic has made a huge difference in people's lives. Consumer concerns about the risk of infection have changed spending habits, more and more consumers are using contactless payment methods such as mobile payments. This study is based on the Technology Acceptance Model (TAM) and incorporates external variables such as perceived COVID-19 risk, social impact, and convenience in order to understand the factors that influence the intention to use mobile payments during an epidemic. This study used an online questionnaires survey method, a total of 302 questionnaires were collected, and after screening out invalid questionnaires, 274 valid questionnaires were validated and analyzed by SPSS analysis software. The results show that: Social influence had a positive effect on perceived COVID-19 risk and perceived usefulness; convenience had a positive effect on perceived usefulness and perceived ease of use; perceived ease of use had a positive effect on perceived usefulness; perceived COVID-19 risk, perceived usefulness, and perceived ease of use had a positive effect on intention to use. Finally, this study makes some suggestions for the promotion of mobile payment and future research directions based on the research results.