現今行動裝置的普及下，為行動支付帶來許多商機。相對於傳統的支付方法，行動支付提供消費者隨時隨地進行支付的工具，帶來更方便的金融服務。
本研究之目的為探討台灣影響行動支付使用意圖的關鍵因素。理論採用科技接受模型，納入五項外部變數加以探討。運用問卷發放來收集資料，並用Partial Least Squares(PLS)法來做後續的資料分析。
研究結果顯示感知相容性、主觀規範與感知易用性為本研究模型中影響行動支付最關鍵的因子。研究發現感知相容性對於使用態度有顯著相關。在14項研究假設中，有關個人創新與個人移動性的3項假說不成立。因為個人移動性一變數的學術研究尚未成熟，建議可在未來繼續研究其在科技接受模型中的作用。中介效果的結果則發現感知易用性和感知相容性兩者在個人創新對使用態度的關係中有完全中介。感知有用性在個人創新對使用態度的關係中則是沒有中介。
最後，研究的結果為行動支付的學術和相關業者帶來實務上建議，如善用好友推薦制度作為行動支付的行銷方式，期望能有相關的實質助益。

The ubiquity of mobile devices expands opportunity on mobile payment. Compared to physical currency, it enables users to make financial services anytime anywhere and provides convenient ways conducting transaction via mobile device.
This current research is intended to identify key factors influencing mobile payment adoption in Taiwan. Theory employed is based on Technology Acceptance Model(TAM), including five variables into the construct. Data utilized obtained from online survey distribution. Using Partial Least Squares(PLS) method for data analysis.
The results shows that perceived compatibility, subjective norm, and perceived ease of use are key factors in the framework. The outcome indicates that there is a positive link between perceived compatibility and attitude toward use. Among fourteen hypothesis there are three hypotheses rejected. The impact of individual mobility in TAM is not rich in the literature, which is suggested to be further investigated in the future. Full mediation results and no mediation was found in the mediation analysis. This study offers both practical implication and theoretical contribution in the context of mobile payment.

論文審定書 i
摘要 ii
Abstract iii
Contents iv
List of Figures vi
List of Tables vii
Chapter 1. Introduction 1
1.1 Background Information 1
1.2 Research Purpose 5
1.3 Research Process 5
Chapter 2. Literature Review 7
2.1 Theoretical background 7
2.2 Technology Acceptance Model 8
2.3 Personal Innovativeness 10
2.4 Mobile payment 13
Chapter 3. Research Design and Research Methodology 16
3.1 Research Framework 16
3.2 Hypothesis and proposed framework 16
3.3 Research Methodology 24
3.3.1 Survey Item 24
3.3.2 Data collection 25
3.3.3 Estimation approach 26
Chapter 4. Analysis and Results 27
4.1 Demographic analysis 27
4.2 Reliability and validity test 28
4.3 Hypothesis testing result 33
4.4 Discussion 37
Chapter 5. Conclusions and Suggestions 40
5.1 Conclusions 40
5.2 Limitations of the Study 42
5.3 Suggestions and future research 42
References 44
Appendix 51

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