隨著網際網路的普及,金管會對網路投保的分階段開放,但由於網路投保開放時間不長,還有許多因素使得消費者對於網路投保還是保持觀望的態度,本研究主題在探討網路投保之影響因素。 本研究針對知覺有用性、知覺易用性、電腦自我效能、信任對網路投保意圖探討,採問卷調查方式進行資料蒐集,問卷總共發放306份,實際回收有效問卷為300份,所得資料以SPSS進行資料處理及分析。 研究結果發現知覺有用性、知覺易用性、電腦自我效能、信任對消費者網路投保意圖皆有正向影響,知覺有用性跟知覺易用性在電腦自我效能對網路投保意圖有完全中介效果;知覺易用性在信任對網路投保意圖有部分中介效果,最後依研究結果提出建議。
With the popularity of the Internet, Financial Supervisory Commission will be opened in stages of online insurance. However, due to the short period of online insurance, there are still many factors that make consumers online Insuring or maintaining a wait-and-see attitude, this study focuses on the influencing factors of online insurance. This study focused on perceptual usefulness, perceived ease of use, computer self-efficacy and trust on the insured intention of online insurance. The paper collected questionnaires for data collection. A total of 306 questionnaires were sent, and 300 valid questionnaires were collected. The data were analysis by SPSS. The results show that perceived usefulness, perceived ease of use, computer self-efficacy and trust have a positive impact on consumer online insured intentions. Perceptual usefulness and perceived ease of use have a full mediation effect on computer self-efficacy impact on online insurance intention. Finally, based on the results of the study, recommendations are made.