| Summary: | 碩士 === 大葉大學 === 國際企業管理學系碩士班 === 107 === "Technology begins with humanity".
In the 21st century, thanks to the co-concomitant effect of 3C products, the deepening application of communication technology, automation technology and the Internet, along with the popularization of smart mobile devices, we have witnessed a great leap forward in the online financial industry.
Affected by the digitalization of finance, innovative service models and diversified service models to meet various consumption habits, the e-commerce industry belonging to the “touch-screen generation” economy has become a trend, and the use of mobile payment has become a global new life culture.
Based on the Technology Acceptance Model (TAM), the present study adds perceived risk as a mediator variable to explore behavioral intentions that influence consumers’ use of mobile payments.
Questionnaires were distributed to general consumers. The questionnaires were mainly distributed through the author's network of interpersonal relationships.
A total of 361 valid questionnaires were collected, and regression analysis, correlation analysis, and difference analysis were used to verify and validate the research hypothesis and results.
The results of the study show that： (1) the "perceived ease of use" by consumers using mobile payments has a significant impact on the "perceived usefulness" of mobile payments; (2) the "perceived usefulness" has a significant impact on the "use attitude" of mobile payment users; (3) the "perceived ease of use" has no significant impact on the "use attitude" of mobile payment users; (4) the "perceived usefulness" has a significant impact on the "behavioral intention" of mobile payment users; (5) the "use attitude" of mobile payment users has a significant impact on their "behavioral intention"; (6) the "perceived risk" has a mediating effect on the "use attitude" and "behavioral intention" of mobile payment users.
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