| Summary: | 碩士 === 銘傳大學 === 管理研究所碩士在職專班 === 95 === In the developed countries, IC card now widely applies in the traffic, communication etc. The application grows up fast and it developed in the retailing little by little. Now the trades of the retailing still pay in cash. Especially the trades of the convenience stores are the type of the little-money-many-times. In the type, it is unfit for credit card. If we use IC saving card for paying in the retailing, it is very fine for the retailing and consumers. Because the paying method has the advantages of low-cost, safety, convenience and so on.
The study begins with the retailing operation, changes, future of our country, then understands the business application of the IC card. And the study bases on the need of consumers, stores and banks to explore, then finds the application and operating model of IC card in the convenience stores. In the end, the study summaries the integrated paying usefulness of IC card in our country.
In recent years, the development and commercial application of IC card have shown promising growth in the industries of transportation, telecommunication, etc. As for in the retail industry, paying by cash is still the dominant method; especially in the convenience stores, huge quantity of transactions with small amount makes payment via credit card or ATM card inconvenient. The application of paying via low-cost IC card with the aims of security and convenience will bring great benefit to the retail industry and the customers alike.
The purpose of this study was to investigate the demand of application of e-wallet in domestic retail industry by examining the needs of adoption of small amount paying method and the reasons for customers’ using of IC stored value card in this industry and aimed at providing suggestions on the e-development of small amount paying methods for domestic retail and banking industries.
The report starts with the introduction to easy card with credit option and the commercial applications of IC card, and then goes on to the research of demands of customers, retail industry and baking sector. Finally the report leads to the results of the questionnaire investigating the effects of variables of population poll and life style on the adoption of easy card/e-money.
The results showed that among the population poll variables, except for the “educational level”, there were no obvious differences. In the study of credit card usage behavior, “Have you already applied for an easy card with credit option or do you already possess one”, “Are you accustomed to paying via credit cards”, “Are you considering applying for an easy card with credit option” and “How much amount of e-wallet will you purchase” were closely related. Customers’ degree of acceptance to easy card with credit option/e-wallet was highly affected by each individual’s acknowledgement of “easy-to-use and compatibility” and “consequences and risk estimation”; the higher the “easy-to use and compatibility”, the higher the willingness to apply for it; the higher “consequences and risk estimation”, the lower the willingness to apply for one. As for the study of the life style variables, it could be divided into “diligent and studious” and “trendy and creative” categories. For the “trendy and creative” category, the “easy-to-use and compatibility” was the prior concern for considering the usage of e-wallet, which was a match to the characteristics of trend pursuing and innovation driven; on the contrary, the “diligent and studious” category was comparatively more conservative in that the people in this category took greater concern over the matter of missing of the card and the re-application procedure which were accounted to the “consequences and risk estimation”.
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