近年隨著網路與智慧型手機越趨普及，生活中開始出現大量與之相關的商務或娛樂行為，並隨科技發展衍伸出行動支付，台灣近來也有越來越多關於行動支付的議題，加之台灣醫療品質受批價等待時間過長影響，故研究者想了解醫療行動支付是否能解決此問題。本研究以整合性科技接受模式作為研究架構，欲探討模式中各構面對醫療行動支付的使用意圖與實際使用行為之影響，並藉由調節變項了解影響使用意圖與實際使用為之因素。
本研究以生活在台灣的一般大眾作為研究對象，採用網路問卷方式施測，共回收773份問卷，最終有效問卷共計有751份，並以描述性統計、獨立樣本T檢定、卡方檢定、單因子變異數分析、皮爾森相關分析與迴歸分析進行資料處理，所得結果如下：一、績效期望、努力期望與社會影響會正向影響個人使用醫療行動支付的使用意圖。二、有利條件會正向影響個人使用醫療行動支付的實際使用行為。三、個人使用醫療行動支付的使用意圖會正向影響其實際使用行為。四、個人使用醫療行動支付的績效期望對於使用意圖不會受其個人特徵影響。五、個人使用醫療行動支付的努力期望與社會影響對於使用意圖會受其部分個人特徵影響。六、個人使用醫療行動支付的有利條件對於實際使用行為會受其個人特徵影響。研究結果也顯示，若民眾需要排隊等候批價，人們會選擇下載相關APP以節省時間，且得知與醫療行動支付相關之APP的管道多數為醫療院所宣傳，但使用過與醫療行動支付的人仍佔少數(11.9%)，顯見醫療行動支付在台灣仍須先加強推廣及宣傳，且建議將宣傳地點設於醫療院所才能直接影響受眾目標。

With the internet and smartphones gradually becoming more available in recent years, a large number of related activities such as e-commerce and entertainments have thus appeared in our daily life. Besides, the development of technology has given birth to mobile payment (m-payment), provoking more discussions on that in Taiwan. On the other hand, healthcare quality in Taiwan has long been impaired by the lengthy waiting time to pay medical expenses. Therefore, the researcher wants to know whether medical m-payment can solve this problem. This study adopts the model of Unified Theory of Acceptance and Use of Technology (UTAUT) as its framework to explore how each construct in this model impacts on the behavior intention (BI) and the actual use behavior of m-payment in healthcare, and it reveals the factors that affect behavior intention and actual use behavior via the use of moderators.
This study targets the general public in Taiwan as its object and utilizes an online questionnaire to survey the opinions. Finally, a total of 773 questionnaires were completed and received, among which 751 have been recognized as valid. Furthermore, descriptive statistics, independent sample T test, Chi-square test, one way ANOVA analysis, Pearson correlation analysis, linear regression analysis and logistic regression analysis were leveraged for data processing, with the results obtained as follows: 1) the performance expectancy (PE), effort expectancy (EE) and social influence (SI) will positively affect the BI of using m-payment in healthcare. 2) the facilitating condition (FC) will positively affect an individual’s actual use of m-payment in healthcare. 3) the BI construct of an individual’s use of m-payment in healthcare will positively influence the actual use behavior. 4) in terms of BI, the PE of individuals using m-payment in healthcare will not be affected by moderators. 5) in terms of BI, the EE and SI of individuals using m-payment in healthcare will be affected by some moderators. 6) in terms of the actual use behavior, the FC of individuals using m-payment in healthcare will be affected by moderators. The results also indicate that if an individual needs to wait for paying medical expenses, he or she will choose to download the related APP to save time. Additionally, the study shows that it is through the promotion of hospitals that most people learn the information of m-payment in healthcare. However, the number of people who have ever used it to pay for medical expenses was still small (11.9%). It is obvious that healthcare m-payment in Taiwan still needs to be promoted and it is recommended that the location of the promotion should be set up in hospitals to give direct influence upon the target audience.

論文審定書 ...................................................................................................i
誌謝 ..............................................................................................................ii
摘要 ............................................................................................................ iii Abstract........................................................................................................iv
目錄 .............................................................................................................vi
圖次 .......................................................................................................... viii
表次 .............................................................................................................ix
第一章 緒論 ................................................................................................ 1
第一節 研究背景與動機............................................................................... 1
第二節 研究目的.......................................................................................... 4
第二章 文獻探討 ......................................................................................... 5
第一節 全球行動支付的發展、技術類型與定義........................................... 5
第二節 台灣行動支付現況............................................................................ 9
第三節 台灣醫療行動支付的接受度 ............................................................ 12
第四節 整合性科技接受模式........................................................................ 16
第五節 小結 ................................................................................................. 22
第三章 研究方法與設計................................................................................ 23
第一節 研究架構與研究假說......................................................................... 23
第二節 研究變項與操作型定義 .................................................................... 25
第三節 問卷設計與資料蒐集方法 ................................................................. 30
第四節 資料處理與統計分析方法 ................................................................. 34
第五節 專家效度與問卷前測結果分析........................................................... 36
第六節 正式問卷信效度分析......................................................................... 38
第四章 資料分析與研究結果 ........................................................................ 41
第一節 資料發放與蒐集................................................................................ 41
第二節 描述性統計分析................................................................................ 41
第三節 推論性統計分析................................................................................ 51
第五節 迴歸分析與羅吉斯迴歸分析 ............................................................. 57
第五章 結論與建議 ...................................................................................... 60
第一節 研究結論........................................................................................... 60
第二節 研究限制與未來研究建議 ................................................................. 64
第三節 研究貢獻........................................................................................... 65
參考文獻 ...................................................................................................... 66
附錄—研究問卷 ........................................................................................... 73

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