探討金融機構與零售商支援對行動支付行為之研究

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Please use this identifier to cite or link to this item: http://asiair.asia.edu.tw/ir/handle/310904400/112443

Title:	探討金融機構與零售商支援對行動支付行為之研究 Exploring the Support of Mobile Payment by Financial Institutions and Retailers
Authors:	黃耀霆 HUANG, YAO-TING
Contributors:	經營管理學系碩士在職專班
Keywords:	行動支付;第三方支付;科技接受模式 mobile payment;third-party payment;technology acceptance model
Date:	2019
Issue Date:	2019-11-11 01:58:08 (UTC+0)
Publisher:	亞洲大學
Abstract:	隨著行動科技發展及網路技術的進步，智慧型手機已成為國人相當普遍使用的支付工具，傳統的網路購物模式也逐漸延伸到行動購物，而購物的支付方式也不斷推陳出新，行動支付是近年來發展最多元的支付方式，由於種類繁多，網路詐騙頻傳，信用卡盜刷問題，造成消費者對交易安全產生疑慮，進而影響行動支付的選擇，本研究加入民眾在選擇行動支付時的外部因素金融機構支援及零售商支援，並討論支付方式的知覺易用性、知覺有用性、使用意願、使用態度探討行動支付使用者在眾多行動支付的選擇為何及其影響因素。本研究使用科技接受模式為理論架構，加入可能影響消費者的金融機構支援及零售商支援，進而發展出影響行動支付意圖支研究架構，作為研究推論之依據，針對一般民眾進行網路問卷發放，正是發放問卷共176份，其中有106份為有使用過行動支付的使用者為有效問卷，研究分析顯示金融機構支援消費者對其知覺有用性不具正向顯著之影響，金融機構支援消費者對其知覺易用性具正向顯著之影響，零售商支援消費者對其知覺有用性及知覺易用性具正向顯著之影響皆成立，金融機構支援與零售商支援消費者行動支付之知覺易用性對知覺有用性、知覺有用性對其使用態度、知覺易用性對其使用態度、知覺有用性對其使用意圖、使用態度對其使用意圖及使用意圖對其實際使用行為皆具正向顯著之影響。 With the development of mobile technology and the advancement of network technology, smart phones have become a staple in payment tools used in Taiwan. The online shopping era has gradually become the time for mobile shopping, and new payment methods are continuously being invented. Due to the frequent and variety of use, the danger of online scams and credit card theft have consumers doubting transaction security, which affects mobile payment use. This study surveys the public and their choice of mobile payments, we also factor in financial institution support as well as retailer support, discuss the perceived ease of use, usefulness, willingness to use, and user behavior. This study uses the technology acceptance model in researching financial institutional and retailer support and how it may affect customers, and the effects of mobile payment intentions. As the basis of this research, 176 online surveys on mobile payment use were distributed to the general public, and only 106 were deemed valid. Research results showed that financial institutions support the use of mobile payments and its consumers. Retailers support consumers to have a positive and significant impact on their perceived usefulness and perceived ease of use. Financial institutions support and retailers support the perception of consumer mobile payments. The results show that ease of use, perceptual usefulness, use intentions, attitude, are all positive and show a significant impact in actual mobile payment use.
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