隨著金融科技的快速發展，純網銀成為新興的金融服務模式。為探討不同 世代對純網銀使用意圖之影響，本研究以延伸整合型科技接受模型(UTAUT2) 結合知覺風險理論，分析 Y 世代與 Z 世代使用 Line Bank 之行為意圖。本研究 採問卷調查法，總樣本數共 317 份，有效樣本為 298 份，以 SPSS 做為主要統計 分析軟體，分別進行敘述性統計、信效度分析、迴歸分析以及調節效果分析。 研究結果如下:
1. 「績效預期」對「行為意圖」有正向顯著影響。
2. 「便利條件」對「行為意圖」有正向顯著影響。
3. 「習慣」對「行為意圖」有正向顯著影響。
4. 「心理風險」對「行為意圖」有負向顯著影響。
5. 在年齡中「績效預期」以及「努力預期」對不同世代的影響有顯著差異。
6. 在性別中「努力預期」、「隱私風險」對不同性別的影響有顯著差異。
7. 在經驗中「努力預期」、「社會影響」、「便利條件」、「享樂動機」、 「價格價值」、「習慣」、「行為意圖」、「功能風險」、「心理風險」 以及「時間風險」對不同經驗的影響有顯著差異。
8. 「經驗」對「習慣」與「行為意圖」之間的關係具有調節效果。
根據研究結果期望能提供金融機構針對不同年齡、性別與使用經驗之客群
進行差異化行銷與客製化服務之依據，有助於提升純網銀的使用率與用戶滿意
度，推動台灣數位金融的永續發展

With the rapid development of financial technology, digital-only banks have emerged as an innovative financial service model. This study investigates the behavioral intentions of different generations toward using digital-only banks, employing the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) combined with the perceived risk theory. A total of 317 questionnaires were distributed, with 298 valid responses collected. Data analysis was conducted using SPSS, including descriptive statistics, reliability and validity analysis, regression analysis, and moderation effect analysis. The key findings are as follows:
1. Performance expectancy has a significant positive effect on behavioral intention.
2. Facilitating conditions have a significant positive effect on behavioral intention.
3. Habit has a significant positive effect on behavioral intention.
4. Psychological risk has a significant negative effect on behavioral intention.
5. In terms of age, performance expectancy and effort expectancy show
significant differences between generations.
6. In terms of gender, effort expectancy and privacy risk show significant
differences.
7. In terms of user experience, effort expectancy, social influence, facilitating
conditions, hedonic motivation, price value, habit, behavioral intention, performance risk, psychological risk, and time risk all show significant differences.
8. Experience moderates the relationship between habit and behavioral intention.
Based on the research results, this study aims to provide financial institutions with insights for implementing differentiated marketing strategies and personalized services for customers across different age groups, genders, and usage experiences. These findings are expected to enhance the adoption rate and user satisfaction of digital-only banks, thereby promoting the sustainable development of digital finance in Taiwan.

論文審定書i
中文摘要ii
Abstractiii
目錄iv
圖次v
表次vi
第一章緒論1
第一節研究背景1
第二節研究動機4
第三節研究問題與目的7
第四節研究重要性8
第五節研究流程9
第二章文獻探討10
第一節純網路銀行(Digital-only bank)10
第二節UTAUT2（延伸整合型科技接受模型）17
第三節知覺風險（Perceived Risk）22
第四節世代（Generation, Gen）26
第五節文獻小結27
第三章研究設計30
第一節研究架構與研究假設30
第二節研究對象35
第三節研究變數之操作型定義與問卷設計35
第四節資料分析方法39
第四章研究分析與結果41
第一節敘述性統計分析41
第二節信效度分析48
第三節假設檢定54
第四節研究結果72
第五章結論與建議75
第一節論文結論75
第二節研究貢獻78
第三節研究限制與未來建議79
參考文獻82
附錄一 研究問卷85

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