台灣行動支付發展已邁入第八年，然而在推動過程中仍有一群人保有現金消費習慣。在過去的文獻中，我們暸解到人們採用行動支付的原因、影響以及優點，但卻無法暸解如果不使用行動支付會為生活帶來什麼影響。除此之外，國內研究機構，如資策會在進行調查時採用網絡問卷，難以觸及到不使用網絡的現金使用者，更無法得知現金使用者所面臨的消費困境。
因此本研究採取自我民族誌的方式，紀錄研究者本人在停用非現金工具的故事，以此作為雙方的溝通橋樑。透過消費紀錄，如消費金額、消費地點、頻率等綜合解釋使用現金在消費上的影響，再分析自我民族誌來解釋造成消費差異的原因。並以過去研究發現為基礎，解釋分析角度以及補充發現。
從研究結果可以發現，當實驗者只能使用現金時，常態性總支出會減少，這是由於能使用非現金時，實驗者會傾向於前往有支援非現金的場所消費，而在這些場所的單筆消費較高，因此相對而言，使用現金的總支出比較少。同時，使用現金除了有消費風險，也必須支出比非現金消費者高的交易成本，儘管非現金工具至今仍存在一點疑慮，仍是相較於現金更好的選擇。
從以上發現，本研究希望能提供現金使用者，不管是小型零售商、亦或個人使用者一個新的思考面向，重新考慮消費工具的選擇。也希望讓主流研究機構，如政府機關以及行動支付業者，暸解現金使用者在消費上的困境，給予策略擬定新參考。

Taiwan has made significant strides in mobile payment adoption over the past eight years. However, there is still a distinct cohort that adheres to traditional cash transactions. While extensive literature explores the advantages and consequences of embracing mobile payments, little attention has been given to the impact of eschewing this technology. Previous studies, such as the research conducted by Market Intelligence & Consulting (MIC), have often relied on internet-based surveys, which may unintentionally exclude individuals who are less likely to engage online or prefer cash transactions.
To address this issue, the study uses autoethnography to document personal experiences of forgoing mobile payments and transform these narratives into relatable stories. This methodology aims to promote mutual understanding between users of cash and mobile payment systems. It achieves this through a comprehensive analysis of consumption records, including amounts, locations, and frequencies. The aim is to clarify the far-reaching effects of relying solely on cash and to investigate the reasons behind consumption disparities. The study builds on previous research to present a robust analytical framework and introduce additional insights.
The study highlights that limiting oneself to cash transactions leads to a noticeable reduction in regular spending. When given the choice, users tend to prefer businesses that support non-cash transactions, which are often associated with higher individual expenses. Additionally, non-cash transactions are generally considered a more sensible option due to the increased risks and transaction costs associated with cash transactions.
This research aims to provide a new perspective on payment tool choices for cash users, including small businesses and individuals. It also serves as a valuable resource for government agencies and mobile payment companies. Our study sheds light on the dilemmas faced by cash users and offers insights for the strategic development of these entities.

論文審定書 ...............................................................................................i
誌謝 ...........................................................................................................ii
摘要 ...........................................................................................................iii Abstract..................................................................................................... iv
1. 前言........................................................................................................1
1.1 研究背景..............................................................................................1
1.2 研究動機..............................................................................................2
1.3 研究目的..............................................................................................3
1.4 本文安排..............................................................................................4
2. 文獻探討................................................................................................6
2.1 非現金社會..........................................................................................6
2.2 行動支付.............................................................................................10
2.3 支付工具的感知風險.........................................................................14
3. 研究方法...............................................................................................16
3.1 自我民族誌研究.................................................................................16
3.2 資料蒐集.............................................................................................18
3.3 資料分析.............................................................................................21
4. 自我民族誌...........................................................................................27
4.1 一切的起源.........................................................................................27
4.2 過著只有現金的生活.........................................................................31
4.3 回歸非現金生活.................................................................................37
5. 研究分析...............................................................................................47
5.1 消費狀態比較.....................................................................................47
5.2 自我民族誌分析.................................................................................53
6. 結論、討論與未來研究發展...............................................................64
6.1 結論.....................................................................................................64
6.2 研究限制.............................................................................................65
6.3 未來研究發展.....................................................................................66
參考文獻 ................................................................................................. 67
附表 ......................................................................................................... 72

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