現今金融產業競爭激烈、百家爭鳴，一人擁有多家銀行帳戶已屬常態，但各家金融機構之資訊系統各有自己的設計方式與呈現風格，使用者於財務管理或系統操作上有諸多不便。因此本研究提出以提供銀行服務為主之「銀行服務整合平台」之概念平台，平台提供之服務以財金股份有限公司之「開放API管理平台」提供之API功能為限，提供整合之金融機構公開資訊與個人財務整合資訊。探討國人對於「銀行服務整合平台」之接受度，以科技接受模型之「知覺有用性」、「知覺易用性」並加入「五大人格特質」、「知覺風險」、「信任」等構面來探討國人對於「銀行服務整合平台」接受程度。希望分析出影響使用者接受「銀行服務整合平台」之重要影響因子，據以提出對第三方服務業者未來於整合平台之服務規劃與發展參考。
本研究透過網路發放問卷，取得之資料經過效度、信度的檢驗，確保有良好之信度、效度。透過回歸分析、PLS等檢定方式驗證提出之假說，研究結果顯示本研究所提出之五點假設均成立。使用者對於銀行服務整合平台之接受度受到人格特質(外向性、友善性、謹慎性、神經質、開放性)差異之影響。對銀行服務整合平台觀點部分，信任、知覺有用性與知覺易用性三部分有正向顯著的影響。知覺風險則有反向顯著影響。

Nowadays , one person own more one bank accounts is ordinary. However, the information systems of each financial institution have their own design methods and presentation styles, and users are inconvenient to manage the personal assets. Therefore, this study purposes a conceptual platform "Bank Service Integration Platform (BSIP)" which integration multiple financial institutions service. The platform provide services from "Open API Management" of Financial Information Service CO.,LTD. It providing public information and personal financial integration information. in Discuss the user acceptance of BSIP, this study uses "personality traits" and "perceived usefulness" and "perceived ease of use" and "trust" and "perceived risk" to Explore the acceptance of the BSIP. To understand the key factors that affect users' acceptance of BSIP services, so as to provide references for the business whom planning and want to build similar platform.
In this study, questionnaires were distributed online, and the data obtained were tested for validity and reliability to ensure good reliability and validity. Through regression analysis, PLS and other verification methods to verify the proposed hypothesis, and outcome show that all propose hypotheses in this study are all valid. The results of this study show that users' acceptance of BSIP is affected by the different degrees of "personality traits". The "perceived usefulness" and "perceived ease of use" and "trust" has position affect in acceptance of BSIP. The " perceived risk " have negative affect in acceptance of BSIP.

論文審定書 i
摘要 ii
Abstract iii
圖目錄 v
表目錄 vi
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
第三節 研究流程 5
第二章 文獻探討 6
第一節 API管理平台 6
第二節 科技接受模式 9
第三節 人格特質理論 13
第四節 知覺風險 15
第五節 信任 17
第三章 研究方法 19
第一節 研究架構 19
第二節 研究假說 20
第三節 問卷變數定義與衡量 20
第四節 問卷收集與資料分析 26
第四章 資料分析 27
第一節 前測信度分析 27
第二節 描述性統計分析 29
第三節 信度分析 36
第四節 驗證性因素分析 37
第五節 假說檢定 40
第五章 結論與建議 46
第一節 研究結果 46
第二節 實務界建議 47
第三節 研究限制與後續研究建議 48
參考文獻 49
中文文獻 49
英文文獻 50
附錄一：問卷 52
附錄二：PLS 55
附錄三：Bootstrap 57

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