| Summary: | 碩士 === 國立金門大學 === 理工學院工程科技碩士在職專班 === 107 === Mobile payment is an emerging market with the great potential in the future. In the past, the use intention of discussing mobile payment was less studied from the perspective of users. This study is focused on the townsmen living in the Kinmen area by the Technology Acceptance Model (TAM). The network quality is used as an external variable, supplemented by innovation diffusion theory (IDT) and the theory of planned behavior (TPM), to summarize the network quality and perception. Structural equation modeling (SEM) is applied analysis of the relationship between the user's intention to the mobile payment, such as usefulness, perceived ease of use, perceived risk, key ambiguity, cost of use, behavioral attitude, and intention to use. In this study, a total of 365 valid questionnaires were collected through the general questionnaire. The following conclusions were obtained through statistical analysis: (1) There are 45.48% people’s mobile payment between 1000 and 3,000 NT. Dollars per month. Network quality, content variety and richness are the important induction factors; (2) "network quality" versus "perception usefulness", "perceptional usability", "perceived risk", "key majority" and "use Cost has a significant positive impact; (3) "perceived ease of use" has no significant effect on "behavioral attitudes". However, behavioral attitudes can be influenced by raising awareness of perceived usefulness and perceived risk, and key majority; (4) the relationship in terms of "cost of use" and "behavioral attitude" is positive effect, but "intention to use" is not significant to "cost of use". The high payment cost will reduce user’s intensions on mobile application. In the other consideration, the great network qualities supports include three factors, i.e. usefulness, ease of use and majority groups, will induce them to pay more cost in mobile platform.
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