如今科技網路的發展無遠弗屆，尤其是智慧型手機的普及，進而伴隨著行動支付的竄起並逐漸改變了民眾的支付模式，隨著使用率的攀升，原本多用於零售服務的行動支付，在近年也逐漸拓展至醫療產業。故本研究以科技準備接受模式(Technology Readiness and Acceptance Model, TRAM)作為研究架構，欲探討臺灣民眾在醫療用途上使用行動支付之行為意圖及其影響因素，並能藉此提出有效的策略或建議。
本研究以臺灣民眾作為研究對象，採用網路問卷之橫斷面研究，回收之有效問卷共計674份，以描述性統計、獨立樣本T檢定、單因子變異數分析、皮爾森相關分析與迴歸分析作為資料分析依據，並以結構方程模式檢驗模型之因果關係與適配程度，其分析結果如下：一、科技準備度、知覺有用性與知覺易用性會正向影響民眾使用醫療行動支付的使用意圖；二、知覺易用性會正向影響知覺有用性；三、科技準備度會正向影響知覺有用性、知覺易用性；四、知覺有用性、知覺易用性在科技準備度與民眾的使用意圖之間具有中介效果；五、科技準備度中的樂觀性會正向影響知覺有用性；六、科技準備度中的創新性會正向影響知覺易用性與民眾的使用意圖；七、科技準備度中的不安全性會負向影響知覺易用性；最後，根據研究結果亦顯示目前在醫療用途中使用過行動支付的民眾仍佔少數，顯見未來仍需持續推廣醫療行動支付，而穩定性高的應用程式以及具人性化的使用介面亦會提升民眾使用醫療行動支付的意圖及意願。

Nowadays, the development of the technology network is getting more and more advancement, especially the popularity of smart phones. The rise of mobile payment has gradually changed the payment pattern of the people. As the usage rate has increased, the payment for the operation of retail services has gradually expanded to the medical industry in recent years. Therefore, this study applies the Technology Readiness and Acceptance Model (TRAM) as a research framework to explore the use intentions and influencing factors of the using mobile payments by the Taiwanese people for healthcare purposes, and to propose effective strategies or recommendations.
This study targets the general public in Taiwan as its object and utilizes an online questionnaire by the cross-sectional study. And the total number of valid questionnaires collected was 674. In addition, descriptive statistics, independent sample T-test, one way ANOVA, Pearson correlation analysis and regression analysis were adopted as data analysis, the causal relationship and adaptation of the model were tested by structural equation model. The results as follows: 1) technology readiness, perceived usefulness, and perceived ease of use will positively influence the use intention of people using mobile payments in healthcare; 2) perceived ease of use will positively affect perceived usefulness; 3) technology readiness will positively affect perceived usefulness and perceived ease of use; 4) perceived usefulness and perceived ease of use have a mediating effect in their relationship between technology readiness and use intention; 5) optimism in technology readiness will positively affect perceived usefulness; 6) innovativeness in technology readiness will positively affect perceived ease of use and use intention; 7) insecurity in technology readiness will negatively affect perceived ease of use. Finally, according to the research results, the number of people who have used mobile payment in healthcare is still a minority. It is obvious that the mobile payment in healthcare should continue to be promoted in the future, and the highly stable applications and a user-friendly interface will also increase the willingness of people to use mobile payments in healthcare.

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 研究問題 3
第三節 研究目的 4
第四節 研究流程 5
第二章 文獻探討 6
第一節 行動支付的發展與定義 6
第二節 臺灣醫療行動支付現況 9
第三節 科技接受模式 14
第四節 科技準備接受模式 18
第三章 研究方法 23
第一節 研究架構與假設 23
第二節 研究對象與資料收集 25
第三節 研究工具 26
第四節 資料分析與處理 41
第四章 研究結果 42
第一節 研究樣本描述性分析 42
第二節 各構面量表之描述性分析 47
第三節 受訪者對科技準備度與使用意圖分析 52
第四節 科技準備度與使用意圖之關係 72
第五章 結論與建議 78
第一節 綜合討論 78
第二節 研究限制與未來建議 83
第三節 結論 85
第四節 研究貢獻 86
參考文獻 87
附錄一 問卷審查之專家名單 91
附錄二 研究問卷 92
附錄三 人體研究倫理審查委員會-人體研究計畫同意函 97

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