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  • 學位論文

探討NFC導向行動付款系統之使用意圖: 整合科技使用與個人特性觀點

The Intention to Use NFC-based Mobile Payment Systems : An Integration of Technology Use and Personality Perspective

指導教授 : 吳英隆
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摘要


近年來智慧型手機普及率達到51%,幾乎是人手一機的時代,且人們對於智慧型手機的依賴性高達80.9%,使用者無論走到哪裡手機絕對不離身。而這幾年近場通訊(Near Field Communication, NFC)技術日漸成為科技業者注目的焦點,電信業者開始推出帶有NFC功能之智慧型手機,並期望與銀行或交通業者合作,將信用卡與悠遊卡等智慧卡資訊存入手機中,以擴大手機支付的服務。本研究目的主要探討消費者對NFC導向行動付款之使用意圖;除此之外,根據研究結果給予有意發展NFC導向行動付款系統之相關業者建議。 本研究以計畫行為理論(TPB)作為基礎架構,整合感知風險理論,並將社會影響力與IT創新接受度視為個人特性觀點,再加入科技使用觀點作為感知有用性的外生變數,探討影響消費者使用NFC導向行動付款系統之關鍵因素。 本研究採用網路問卷調查方式,共444份樣本資料,主要以結構方程模式來驗證研究模式內之因果關係。研究結果顯示:(1)感知有用性與感知風險對使用意圖有顯著影響,而感知風險對感知有用性沒有顯著影響;(2)便利性、感知安全性與技術信任性對感知有用性有顯著影響,並間接影響消費者對NFC導向行動付款之使用意圖;(3)IT創新接受度對感知風險有顯著影響,並間接影響消費者對NFC導向行動付款之使用意圖,但社會影響力對感知風險沒有顯著影響。

並列摘要


In recent years, the popularity rate of smartphone have reached up to 51%, which means almost everyone have it, and the dependence of people for smartphone up to 80.9%. Wherever the users go to, they always have smartphone with them. And then near field communication(NFC) technology is becoming the focus of attention of the technology industry. The telecommunications launch smartphones with NFC function, and look forward to cooperative with the bank and transportation industry. They issue to combine travel card, credit card and mobile phone to expand mobile payment services. The purpose of this research focuses on the factors which affect consumers i to use the NFC-based mobile payment systems. Additionally, according to the results, it can provides advice to the industries who have interest in the systems. This research is based on the theory of planned behavior(TPB), integrating perceived risk theory, regarding social influence and the personal innovativeness in information technology(PIIT) as personality perspective, and then add technology uses perspective to investigate key factors that affecting consumer to use the systems. The data was collected via internet survey and total 444 available samples had been received. This research was analyzed by Partial Least Squares (PLS) to validate the hypotheses. Statistics analysis result showed that: (1)Perceived usefulness and perceived risk have significant effect on the intention to use, but perceived risk does not have significant effect on perceived usefulness; (2)Convenience, perceived safety and trust have significant effect on perceived usefulness, and indirectly effect their intention to use; (3)PIIT has significant effect on perceived risk, and indirectly effect their intention to use, but Social influence does not have significant influenced.

參考文獻


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