| Summary: | 碩士 === 高苑科技大學 === 資訊科技應用研究所 === 107 === Abstract
Financial technology is a systematic plan of financial instruments and systems to promote the development of science and technology, the transformation of results, and the development of high-tech industries which to make financial services more efficient. Furthermore, traditional service has been being replaced gradually from financial technology. Recently, e-wallets have also been promoted but there is still a lot of stores only accept cash. Without wallets and ATM cards have been being replaced by serial numbers and multiple verifications for card-free withdrawals.
This study will use the Technology Acceptance Model (TAM) to explore whether information and system quality will affect the use of card less models. And through the verification of the research hypothesis that provides the bankers with an understanding of the customers, assists the industry to improve the technology usage of card-free withdrawals, and enhances competitiveness.
The study found the following:
1. It’s not common of the trend for using card-free withdrawals, however, once experienced will highly increase the acceptance and willing to keep on using and recommend to their relatives and friends.
2. "Perceived usefulness" has a positive influence on "use attitude".
3. "Perceived usefulness" and "use attitude" have a significant positive influence on "behavioral intention".
Proposing the financial industries and researchers to popularize the card-free withdrawals by marketing and increase valid sample number. In all aspects to understand the consuming habits so that to draw up the programs such as “family program” or “recommendation reward”. Understanding the demand of different earnings and enhance the acceptance by training recognizing from minimum feasible age.
Keywords: Card-free Withdrawal, Technology Acceptance Model (TAM), E-wallets, Acceptance.
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