| Summary: | 碩士 === 國立臺灣科技大學 === 資訊管理系 === 104 === As smartphones widely used in life, mobile payment has becoming an issue that gradually discussed. Along with this trend, Taiwan actively promoted mobile payment as well as worked on the relevant laws and regulations. However, it is rarely to see someone using mobile payment-related services in our living area. Therefore, increasing consumers’ willingness of using mobile payment becomes important. There are many studies explored the willingness of using mobile payments, and mostly focused on the adoption intention. Since Taiwan is still in the stage of promotion, mobile payment remains a new term to people. This research tries to use a different perspective to understand the reason of unwillingness of using mobile payment. This research discusses the abandoning intention of using mobile payment by applying “less merchants” and “less users” as external factors, as well as “perceived uselessness” and “perceived risk” as intermediary variables.
Through qualitative method, this research adopted GOMAJI PAY, a mobile payment application, as a research case in the questionnaire. After literature review and analyzing the data, the cross reference found that: (1) for the users’ abandoning intention, the impact of peers is greater than the impact of merchants. This indicates that we must focus on the users rather than increase cooperate merchants in stage of promoting mobile payment. (2) Perceived uselessness and perceived risk have a positive impact on users’ abandoning intention, which implies the more uselessness and risk the users perceived, the higher probability they will refuse to use. (3) Externalities has little effect on the people who have ever used mobile payment and strong effect on those who have not.
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