因應金融科技的興起、資訊科技的快速發展，交易行為的支付方式逐漸由傳統實體貨幣開始轉為虛擬貨幣。各國政府也開始推動無紙化交易的政策，減少一般收銀服務，改以信用卡或行動支付等方式替代，準備打造無紙鈔生活圈，邁入數位金融時代。因此本研究希望能協助行動支付業者掌握數位化交易迅速發展的商機，並滿足數位金融時代消費者的交易需求，期望能找出影響消費者對行動支付使用意圖之因素。

本研究以科技接受模式為研究架構的基礎，參考並彙整過去相關的文獻資料後，建構出影響消費者對行動支付服務之使用意圖的研究模式，對消費者進行行動支付使用意圖之調查，探討人們使用行動支付服務之意願，是否與有用性、易用性、娛樂性、感知風險、感知成本、行動體驗、社會影響或是消費者自身的個體條件有關。本研究透過網路雲端方式進行問卷調查，受測的有效問卷共計有232份。

研究結果顯示：（1）有用性、娛樂性、社會影響對使用意圖有正向顯著影響。（2）感知成本、感知風險對使用意圖有負向顯著影響。（3）易用性、行動體驗、社會影響對有用性有正向顯著影響。（4）娛樂性、行動體驗對易用性有正向顯著影響。（5）娛樂性對感知風險有負向顯著影響。（6）社會影響對娛樂性有正向顯著影響。（7）使用意圖對實際使用有正向顯著影響。（8）消費者常用的交易方式對有用性、易用性、娛樂性、感知風險、行動體驗、社會影響、使用意圖與實際使用有顯著影響。

In response to the rise of financial technology and the rapid development of information technology, payment methods for transaction behavior have been changed from material to virtual currencies. Governments of various countries have also started to promote paperless transaction policies, reduce general cashier services, and replace them with credit cards or mobile payments. They are preparing to create a paperless life circle and move forward to the digital financial era. Therefore, this research purposes to assist mobile payment industry to seize the business opportunities of digital transactions and meet consumers’ needs in the digital financial era. It is expected to find out the factors that affect consumers' intention to use mobile payments.

This study uses the Technology Acceptance Model (TAM) as the research framework, referring to and compiling reference documents to construct a research model that affects consumers’ intention to use mobile payment services, and investigate consumers' intention to use mobile payment, whether people's willingness to use mobile payment services is related to Perceived usefulness, Perceived ease of use, Perceived enjoyment, Perceived risk, Perceived cost, Mobile experience, Social influence, or individual conditions of consumers themselves. In this study, a questionnaire survey was conducted through Internet. A total of 232 valid questionnaires were collected.

The findings of the study showed: (1) Perceived usefulness, Perceived enjoyment, and Social influence have a positive effect on Intention to use. (2) Perceived cost and Perceived risk have a negative effect on Intention to use. (3) Perceived ease of use, Mobile experience, and Social influence have a positive effect on Perceived usefulness. (4) Perceived enjoyment and Mobile experience have a positive effect on Perceived ease of use. (5) Perceived enjoyment has a negative effect on Perceived risk. (6) Social influence has a positive effect on Perceived enjoyment. (7) Intention to use has a positive effect on Actual usage. (8) The transaction methods commonly used by consumers have a significant impact on Perceived usefulness, Perceived ease of use, Perceived enjoyment, Perceived risk, Mobile experience, Social influence, Intention to use and Actual usage.

論文審定書 i
誌 謝 ii
摘 要 iii
Abstract iv
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 2
第三節 研究流程 2
第二章 文獻探討 4
第一節 科技接受模式 4
第二節 感知風險 5
第三節 感知成本 5
第四節 行動體驗 6
第五節 娛樂性 6
第六節 社會影響 6
第三章 研究設計 8
第一節 研究模式與假說 8
第二節 操作型定義與問卷設計 10
第三節 研究方法 15
第四章 實證分析 19
第一節 樣本基本資料分析 19
第二節 項目分析-獨立樣本T檢定 27
第三節 信度分析 29
第四節 效度分析 31
第五節 行動支付使用意圖之分析 34
第六節 人口統計變數 50
第五章 結論與建議 81
第一節 結論 81
第二節 研究建議與管理意涵 85
參考文獻 87
附錄 91

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三、網路
MIC產業資源情報所，2017，行動支付消費者調查https://mic.iii.org.tw/news.aspx?id=457
MIC產業資源情報所，2019，行動支付大調查，https://mic.iii.org.tw/news.aspx?id=504