| Summary: | 碩士 === 國立中正大學 === 資訊管理系研究所 === 107 === With the development of e-commerce and online finance industries, also the popularity of mobile networks, mobile payment has received more and more attention. Users can use their mobile devices to pay for goods and services wherever they go. The potential of this technology is enormous. Previous research is based on the Technology Acceptance Model. This study takes IDT as the theoretical basis and joins Ubiquitous Connectivity, Social Influence and Perceived Risk to form the research model of this study. The purpose of this study is to explore the key factors of consumer behavior and intention as using mobile payment.
The research model was empirically tested using 589 responses from an online survey. The research subjects are the consumer who had used the mobile payment experience. Data was analyzed using the structured equation modeling with partial least squares approach to test our hypotheses. The result shows that “Innovativeness”, “Ubiquitous Connectivity”, “Relative Advantage”, “Compatibility” and “Effort Expectancy” positively affect people’s behavior and intention of using mobile payment; “Perceived Risk” negatively affect people’s behavior and intention of using mobile payment. Theoretical and managerial implications are sound and discussed.
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