| Summary: | 碩士 === 國立中興大學 === 科技管理研究所 === 105 === In Taiwan, cash remains the primary method for payment. Cash has some shortcomings, such as it must be created such that is hard to forge, must be transported from one place to another place, must be stored safely and cannot be used for payments over the phone or the Internet. However, many previous studies indicated that non-cash payment has many benefits, such as easy payment, saving payment time, online payment, economic growth. Otherwise, Taiwan’s government actively promotes a cashless society and set the goal for electronic payments in the proportion from the current 26% to 52% in 2020. Thus, this paper considers non-cash payment is bound to become a future trend for business trades. This study attempts to predict users’ behavioral intentions of using non-cash payment.
This study is based on Technology Acceptance Model (TAM) which is proposed by Davis (1989). We add three external factors which are perceived compatibility, perceived security and subjective norm to establish the research framework. We collected 356 valid samples from the web-based survey, and use the statistic software of AMOS and SPSS to analyze the confirmatory factor analysis (CFA) and structural equation modeling (SEM) in this study. The results show that perceived compatibility was found to have significant relationship with PU, AT and BI, subjective norm was found to have significant relationship with AT, but perceived security was found to have no significant relationship with AT. Finally, the findings have both theoretical and practical implications for industries and academics.
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