隨著電子商務和網路金融產業的快速發展，加上全球對於網路的依賴加深，台灣雖已鬆綁法規，行動支付市場開始快速成長，但相較於其他先進國家，在亞洲區域，台灣仍被認為是行動支付發展落後國家。行政院訂定「數位國家‧創新經濟發展方案」，其中一項目標設定在2025年民眾數位生活服務普及率達80%。隨著支付工具的多樣化，台灣消費者使用行動支付比例已大幅提升，且有逾七成的智慧型手機用戶，有意願開始或繼續使用行動支付。
目前雖然有許多研究已探討使用行動支付的行為，但針對台灣消費者行動支付使用者滿意度的研究較少見，因此本研究目的是希望能探討影響台灣消費者行動支付使用者滿意度的主要因素，藉由探討「反應度」、「及時性」、「信任度」、「保障安全性」和「益處」這些面向，對台灣的消費者是否會產生「使用」的行為？以及是否會有影響「使用者滿意度」？本研究以台灣消費者為目標，利用網路發行問卷，採便利隨機抽樣方式進行資料蒐集，並以SPSS進行資料分析。
研究實證結果顯示，「反應度」、「信任度」、「保障安全性」、「益處」和「使用」這五個構面對「使用者滿意度」有正向的影響力。同時亦可得知，「安全保障性」和「益處」這兩個構面對「使用」有正向的影響力。本研究結論，期許能有助於目前或未來欲加入台灣行動支付的業者，作為提升台灣消費者使用行動支付的普及率與使用者滿意度的參考依據。

With the rapid development of the e-commerce and Fintech, and the increasing reliance on the Internet globally, regulations in Taiwan has been revised, the market of mobile payment has begun to grow massively. But compared to other countries in Asian, it is still considered to be slowly developed in Taiwan. The Executive Yuan in Taiwan has set up a "Digital Country- Innovative Economic Development Program", one of the objects is to set at 90% penetration rate of using mobile payment in 2025. With the diversification of payment instruments, the number of mobile payment users has increased significantly, and more than 70% of smartphone users have the willingness to start or continue to use mobile payment.
There have been many studies of the use of mobile payment behavior, but research on the user satisfaction of mobile payment in Taiwan is rare. Therefore, the purpose of this study is to find main factors of the user satisfaction of mobile payment in Taiwan, by discussing the "Response", "Timeliness", "Trust", "Perceived Security" and "Benefit". Will these five factors positive influence "Use"? And will these five factors also influence the "user satisfaction"? In this study, all consumers in Taiwan are open to answer the questionnaires on internet. Collect data by random sampling, and then analyze data by SPSS.
The result shows that the five factors of "Response", "Trust", "Perceived Security Protection", "Benefit" and "Use" have a positive influence on "User Satisfaction". At the same time, it can be known that the two factors of "Perceived Security Protection" and "Benefit" have a positive impact on "Use". Hope the conclusion of this study can help the current or upcoming companies who want to join the market of mobile payment in Taiwan, and improve user satisfaction of mobile payment.

研究生學位論文審定書 i
摘要 ii
Abstract iii
目 錄 iv
圖 目 錄 vi
表 目 錄 viii
第壹章 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 3
第貳章 文獻探討 4
第一節 行動支付的定義，以及台灣現況研究 4
第二節 影響台灣消費者使用行動支付的因素 6
第三節 使用者滿意度 10
第參章 研究設計 13
第一節 研究架構 13
第二節 操作型定義 14
第三節 問卷架構 17
第肆章 資料分析 20
第一節 樣本特性分析 20
第二節 信度分析 30
第三節 效度分析 33
第四節 研究構面之相關分析 38
第五節 行動支付滿意度因素分析 44
第六節 人口統計變數 49
第伍章 結論與建議 65
第一節 研究結論 65
第二節 管理意涵 67
附錄：參考文獻 70
附錄：問卷內容 73

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三、 網路
胡自立，2016，「台灣行動支付消費者調查分析－世代族群經驗分析」，資策會MIC，https://mic.iii.org.tw/aisp/reports.aspx?id=CDOC20160418002
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