The Research of Consumers’ Innovation Characteristics,Technology Readiness and Perceived Risk In Using The Smart Card

• Main Authors: Chiu, Yun-Ju, 邱韻如
• Other Authors: Yan, Tai-Ning
• Format: Others
• Language: zh-TW
• Published: 2006
• Online Access: http://ndltd.ncl.edu.tw/handle/18590403318376041742

碩士 === 中國文化大學 === 國際企業管理研究所 === 94 === Consumers demand for more sophisticated payment tools such as smart cards, are growing rapidly and are changing people’s daily life nowadays. Smart cards integrate a microchip on a plastic payment card, enabling the card to perform multiple functions whilst enhancing security. This study empirically examines the relationship between consumers’ innova-tion characteristics, technology readiness, perceived risk and the intention to use chip card. At a high level, there are some key conclusions from this research: • There are strong positive relationship between consumers’ perceived usefulness, at-titude and behavioral intention on use smart cards. There is a similar result on the compatibility but an opposite outcome on the perceived ease of use. • Payment should be combined with personal information, because consumers would like to consolidate information on their cards and enhance the functionality, in sup-port of multi-application. • The degree of consumers’ optimism significant affects the attitude and the behav-ioral intention on use smart cards. • The research shows that convenience and security are key to any successful smart card offering.