A Study of Micro-Businesses’Adoption of Mobile Payment: The Perspective of Organizational Innovation Theory

• Main Authors: WANG, YUNG-LIN, 王詠麟
• Other Authors: HUANG, CHAO-KUEI
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/5qdarp

碩士 === 國立高雄科技大學 === 資訊管理系 === 107 === In recent years, the proportion of Taiwan's tax revenue to GDP has been declining year by year. Taiwan's economic pattern is dominated by small and medium-sized enterprises, of which the scale of the underground economy is close to 30% of GDP, which is not included in the government's tax control. With E-commerce developing rapidly and for the purpose of reducing the size of the underground economy, the former president of the Executive Yuan , Lai Qingde, set 2018 as the first year of “action payment”, to make Taiwan a smart country and to expect the mobile payment penetration rate to reach 90% by 2025. The government will grant preferential treatments such as exempting uniform invoices and lowering business tax for merchants who introduce action payments, and set up relevant handling fees, giving banks, mobile payment platforms and public subsidies. As of February 2019, the Executive Yuan announced that there have been more than 2,000 merchant-sponsored action payments, with a penetration rate of 50.3%, and the opening of electronic payment agencies to provide user-to-user messaging services and the issuance of electronic payment account-specific stored-value card services. Institutions and convenience stores could collect specific fees, such as water, electricity, oil, etc. In the future, mobile payment will be extended to medical institutions, campuses, and cultural and educational venues to create a convenient and safe smart living environment. In 2019, the institute for information industry showed that more and more consumers have the experience of using mobile payment. When the consumption pattern changes an atmosphere, it will also encourage enterprises, businesses and vendors of all sizes to transform and to import electronic payments to meet consumer needs. In the field of mobile payment research in recent years, most of them explored the influencing factors from the perspective of consumers, and rarely discussed the reasons for importing mobile payment from the perspective of enterprises. Therefore, this study selects micro-enterprises in the underground economy as the research object, and discusses the willingness of merchants to introduce actions. And with Rogers (1995) organizational innovation of innovation diffusion theory as the research structure, what problems are faced when the organization faces transformation and innovation. This study adopted the in-depth interview method, the research object distinguishes the unintroduced and guided mobile payment micro-enterprises, and in the field observation mode, it targets 14 enterprises such as Kaohsiung University campus, chain franchise store, community store, Liuhe night market and Ruifeng night market. Interviews, the results of the study found that organizational resources and interactivity have a significant impact on the willingness to pay for micro-enterprise introduction, and the change in intention and complexity of leaders has a significant impact on the willingness to pay for micro-enterprise introduction, as well as organizational resources and interactive interference. The impact, while the open system, has no significant impact, and this result can serve as a government and platform industry to promote actions of mobile payments in the future.