如何降低現金使用率 以大學生使用Debit Card為例

How to Reduce the Cash Usage ─ A Case Study on the Use of Debit Card for College Students

郭勁(Chin-Kuo)

指導教授 ： 周大森

中原大學/商學院/企業管理研究所/碩士(2016年)

https://doi.org/10.6840/cycu201600402

摘要

多年來，台灣現金使用率遠高於其他國家，鑒於提高電子支付有助於引導地下經濟法制化、刺激經濟成長，因而如何提高國內的電子支付、降低現金使用率，實為一項重要課題。本文以Debit Card為分析對象，主因是Debit Card在台灣不但使用率非常低，甚至很少人知道Debit Card是什麼。事實上，本研究的實證結果發現，大學生對於Debit Card的了解程度，與是否用Debit Card刷卡消費具有統計上顯著的關係；此外，本文也探討了辦卡動機、辦卡時間等不同變數，與Debit Card刷卡消費之間的關係。另一方面，本研究也在受訪對象了解Debit Card後，試圖釐清究竟Debit Card的那些功能或特性，較能吸引人們來刷這張卡。實證結果顯示，便利性之構面最能提升Debit Card使用意願，這部分包括不需要隨時帶現金或是領錢，以及能在國外領錢與刷卡。

關鍵字

借記卡、支付工具

並列摘要

While increasing online payment can help to guide the legalization of the shadow economy and stimulate economic growth, over the years, the rate of cash usage in Taiwan is far higher than it in other countries. Thus, how to improve the domestic electronic payment, reducing the rate of cash usage is indeed an important issue. Since the usage rate of debit cards in Taiwan is very low, and many people even don’t know what debit card is, this paper takes the debit cards as the main item for our discussion. In fact, the empirical results of this study found that the more the students understand the benefit of the debit cards, the more they will upgrade their card usage. In addition, the paper also discusses the relationships between the usage of debit cards for consumption and different variables, including the motivation, and the timing of card application. After allowing all respondents to understand what debit cards is, this study also tries to clarify which functions or features of debit card can be attractive to people for using the card. The empirical results show that the convenience of debit card can significantly raise the willingness of using it. However, it is not evident that no needs of bringing cash, withdrawing money anytime, and picking up the money with a card in a foreign country, have impacts on the willingness of using debit card.

並列關鍵字

Debit Card、Payment

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