| Summary: | 碩士 === 正修科技大學 === 資訊管理研究所 === 102 === Due to the advancement of technology and the popularity of the Internet, as well as the convenience smartphone brought, more and the more people start using smartphone with wireless networks, to carry out a wide range of business activities. "Mobile payment" is the trend around the world. Smartphone will set wallet, credit cards, coupons, card reader all in one to replace credit cards and cash. It also reduces the burden on the consumer to go out, to speed up the checkout, and increases the interaction between businesses and their customers.
The purpose of this study is to understand consumer awareness of mobile payment, and the factors affecting mobile payment usage and intention. Technology acceptance model was applied as the main theory, and mobility and perceived risk were added as external factors to explore the influence on intention to mobile payment. Besides, technology readiness is investigated as moderator in the study.
A questionnaire survey was conducted to identify the factors influencing mobile payment intention. In total, 255 valid respondent questionnaires were collected. Smart PLS was employed to analyze the collected data, which produced the following results:
(1) The influence of "perceived usefulness", "perceived ease of use" and "mobility" on "attitude toward mobile payment usage" is significant. However perceived risk including "Financial risks" and "Time risk" has no significant impact on "attitude toward mobile payment usage".
(2) There is positive relationship between "attitude toward mobile payment usage " and "intention to use mobile payment".
(3) "Technology readiness" had moderating effect on the relationship between "perceived usefulness" and " attitude toward mobile payment usage", as well as the relationship between "perceived ease of use" and "attitude toward mobile payment usage ". The results provide the cornerstone for the future study of mobile payments research.
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