隨著智慧型手機的普及,交易的方式不再僅限於以傳統貨幣來進行,行動支付是一項改變人們對於傳統貨幣付款方式的認知,這是一種全新的付款方式來融入我們的生活,行動支付比起傳統貨幣擁有很多的優點,但也可能衍伸出安全性或其他因素的問題。本研究為了瞭解使用者對行動支付接受度之相關影響因素,因此以科技接受模式為基礎,將「便利性」、「安全性」、「社會規範」、「產品知識」作為外部因素,並探討「便利性」、「安全性」、「社會規範」、「產品知識」、「知覺易用性」、「知覺有用性」、「使用意圖」七個構面關係,以了解影響使用者對於行動支付使用意願之因素。本研究以網路問卷進行調查,共回收有效問卷121份。研究結果顯示,第一,「便利性」、「安全性」、「社會規範」、「產品知識」四個外部變數分別對知覺有用性與知覺易用性有顯著的正向影響,第二,知覺有用性與知覺易用性分別對於使用行動支付的使用意願有顯著的正向影響。透過此研究希望未來能夠在推廣行動支付時,能夠將「便利性」、「安全性」、「社會規範」、「產品知識」納入考量的因素,讓國人能盡早接受行動支付能夠做為付款的方式,以幫助行動商務的發展。
Along with the popularity of smart phones, approaches of payments are no longer limited with the traditional currencies. Mobile payment provides a totally new way of making payments. To understand the factors that may influence consumer’s acceptance of mobile payments, the research applies“technology acceptance model” as the base theory and proposes the four external factors, namely, convenience, safety, norms and knowledge of products to explore the following seven interrelationships, which are convenience, safety, norms, knowledge of products, perceived ease of use, perceived usefulness and intention of usage to comprehend consumers’ intentions of using mobile payments. 121 effective questionnaires were collected on-line. The resultsof this studyare as the followings. First, the four external factors, convenience, safety, norms and knowledge of products, can significantly positive influence on both perceived usefulness and perceived ease of use.Second, both perceived usefulness and perceived ease of use can significantly positive influence on consumers’ intentions of using mobile payments.According the above results, thisstudysuggests that the four factors, convenience, safety, norms and knowledge of products, should be paid more attentions while developingmobile payment.