本研究主要探討台灣消費者對使用行動支付的意向，此研究採用了科技接受模型 (TAM)做為理論框架。這項研究透過問卷調查蒐集了人口特徵、行動支付使用模 式和影響消費者使用行動支付因素的數據。結果顯示出其中影響消費者使用行動支 付意願的因素包括感知易用性、感知有用性和消費者態度。除此之外，這項研究也 調查了不同地理位置的消費者對於行動支付平台的偏好，此外研究也指出 Line Pay 和 Apple Pay 為最多消費者使用的行動支付。迴歸分析和相關性證實了認知易用性、 認知有用性和使用態度對消費者使用行動支付服務意願有重大影響。研究最後也指 出了這些發現對政策制定者、企業和金融機構的意義，他們致力於在台灣消費者中 推廣移動支付服務的使用。

This research delves into the adoption and utilization of mobile payment systems by consumers in Taiwan, employing the “Technology Acceptance Model” (TAM) as its theoretical framework. Through an extensive survey, it collects data on demographic profiles, usage trends, and factors effecting the acceptance of mobile payments. The findings provide valuable insights into what drives consumers' willingness to use services of paying by mobile devices, including perceptions of ease of use, usefulness, and overall attitude. Furthermore, the study investigates how geographical location in Taiwan influences the selection of mobile payment platforms, highlighting Line Pay and Apple Pay as the most popular choices. Correlation and regression analyses affirm the substantial impact of ease of use, usefulness, and attitude on consumers' intention to use mobile payment services. The study concludes by discussing the implications of these findings for policymakers, businesses, and financial institutions aiming to encourage the uptake of mobile payment services among Taiwanese
consumers.

Validation Letter..............................................................................................................i
摘要 ..............................................................................................................ii
Abstract........................................................................................................iii
Table of Content ......................................................................................... iv
1.Introduction ............................................................................................. 1
1.1 Motivation .............................................................................................. 1
1.2 Research background and purpose ..................................................... 1
1.3 Research Structure.................................................................................2
2.Literature Review ..................................................................................... 4
2.1 Mobile payment......................................................................................5
2.2 Technology Acceptance Model ........................................................... 12
3. Research Methodology ......................................................................... 19
3.1 Research Method ................................................................................. 19
3.2 Sample ................................................................................................ 20
3.3 Data Collection and Survey ................................................................ 20
3.4 Analysis ................................................................................................ 20
3.5 Reliability and Validity .........................................................................21
4. Results ................................................................................................... 23
4.1 Sample Descriptive...............................................................................23
4.2 Difference Analysis .............................................................................. 25
4.3 Correlation ........................................................................................... 26
4.3 Regression Analysis ............................................................................. 28
5. Discussion and Conclusion.....................................................................32
5.1 Discussion.............................................................................................32
5.2 Limitations and Future Research.........................................................33
5.3 Conclusion ........................................................................................... 33
References ................................................................................................. 36
Appendix .................................................................................................... 42

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