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題名：應用科技接受模式探討消費者採用電子錢包之因素
書刊名：創新與管理
作者：許端芳／高懿柏／莊雅婷
作者(外文)：Sheu, Dwan-fang／Kao, Yi-po／Chuang, Ya-ting
出版日期：2011
卷期：8:1
頁次：頁95-116
主題關鍵詞：電子錢包；科技接受模式；主觀規範；相容性；Electronic purse；Technology acceptance mode；Subjective norm；Compatibility
原始連結：連回原系統網址new window
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  • 被引用次數被引用次數:期刊(1) 博士論文(1) 專書(0) 專書論文(0)
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  • 點閱點閱:43
為改善消費商店人工收費效率以因應消費人數眾多需要快速付款的情況，以及助於減少國庫印製成本與減少交易成本等，應用智慧卡相關功能的電子錢包付款機制已儼然為亞洲各國主要趨勢。雖然電子錢包能為廣大的消費者、企業與政府帶來許多潛在的效益，相關機構亦不餘遺力的推展，但推行上仍有其障礙，再者貨幣電子化之實施，不單只是著重於導入面，勢必必須使消費者皆能接受，因此本研究以科技接受模式觀點為理論基礎，試圖分析消費者採用電子錢包的因素，並藉由這些因素建置一套完善的預測行為之模型。經實證分析結果發現消費者的使用態度及主觀規範因素對電子錢包付款機制之行為意圖有正向顯著影響。此外，知覺有用性與相容性對於使用態度有正向顯著影響；而知覺易用性對有用性有正向顯著影響。再者，相容性將正向影響知覺有用性及知覺易用性。本研究結果闡述消費者採用電子錢包因素考量之重要性，並且研究意涵更進一步建議各大發卡機構在電子錢包推廣策略上，不只強調電子錢包能避免攜帶現金的不便，更應該強調電子錢包尚有其他眾多的功能，譬如付款的簡單性，如此俾能提升消費者使用電子錢包的意願，同時塑造電子錢包的正面形象，進而使消費者無形中形成習慣性及社會規範，相信亦能有效提升消費者使用電子錢包的意願。
To elevate the efficiency of manual charge in stores and improve the conditions for rapid payment in coping with the mass numbers of consumers, the mechanism of payment in electronic purse featuring the functions of the smart card have been a main trend in Taiwan. However, the usage of Electronic Purse did not meet the projected expectation in spite of the advantages of Electronic Purse over traditional money and the companies' aggressive promotion tactics. This research aims to gain in-depth understanding of the factor's influencing consumer's intention to use electronic purse by taking the perspectives of Technology Acceptance Model (TAM) as the theoretical foundation. Taking domestic consumers as the samples to carry out the questionnaire surveys, findings of this research indicate of using attitude and subjective norm have shown significant positive influence on the behavior intention towards the mechanism of payment in electronic purse. The result of this study not only provides practical suggestions for Electronic Purse issuing institutions but also presents insightful information about the Electronic Purse Function.
期刊論文
1.繆嘉新、陳志明、郁道琄、官有富、李肇浩、張光耀(19991200)。電子商務之電子貨幣應用。影像與識別，5(4)，103-109。  延伸查詢new window
2.Davis, F. D.(1989)。Perceived usefulness, perceived ease of use, and user acceptance of information technology。MIS Quarterly，13，319-340。  new window
3.Chau, P. Y. K.、Hu, P. J.(2001)。Information Technology Acceptance by Professionals: A Model Comparison Approach。Decision Sciences，32(4)，699-719。  new window
4.Moon, J. W.、Kim, Y. G.(2001)。Extending the TAM for a World-Wide-Web Context。Information and Management，38(4)，217-230。  new window
5.Fisher, R. J.、Price, L. L.(1992)。An investigation into the social context of early adoption behavior。Journal of Consumer Research，19(3)，477-486。  new window
6.van der Heijden, Hans(2003)。Factors Influencing the Usage of Websites: The Case of a Generic Portal in the Netherlands。Information & Management，40(6)，541-549。  new window
7.Wu, J. H.、Wang, S. C.、Lin, L. M.(2007)。Mobile computing acceptance factors in the healthcare industry: a structural equation model。International Journal of Medical Informatics，76(1)，66-77。  new window
8.Thiesse, F.(2007)。RFID, privacy and the perception of risk: a strategic framework。Journal of Strategic Information Systems，16(2)，214-232。  new window
9.Hsu, M. H.、Chiu, C. M.(2004)。Internet self-efficacy and electronic service acceptance。Decision Support Systems，38(3)，369-381。  new window
10.Chen, C. D.、Fan, Y. W.、Farn, C. K.(2006)。Predicting electronic toll collection service adoption: An integration of the technology acceptance model and the theory of planned behavior。Transportation Research Part C-Emerging Technologies，15(5)，300-311。  new window
11.Hartwick, John、Barki, Henri(1994)。Explaining the role of user participation in information system use。Management Science，40(4)，440-465。  new window
12.Taylor, Shirley、Todd, Peter A.(1995)。Understanding information technology usage: A test of competing models。Information Systems Research，6(2)，144-176。  new window
13.Bruner, G. C. II、Kumar, A.(2005)。Explaining consumer acceptance of handheld Internet devices。Journal of Business Research，58(5)，553-558。  new window
14.Pavlou, Paul A.(2003)。Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model。International Journal of Electronic Commerce，7(3)，101-134。  new window
15.Hong, Se-Joon、Thong, James Y. L.、Tam, Kar Yan(2006)。Understanding continued information technology usage behavior: A comparison of three models in the context of mobile internet。Decision Support Systems，42(3)，1819-1834。  new window
16.Bagozzi, Richard P.、Yi, Youjae(1988)。On the Evaluation of Structural Equation Models。Journal of the Academy of Marketing Science，16(1)，74-94。  new window
17.Chen, Lei-da、Gillenson, Mark L.、Sherrell, Daniel L.(2002)。Enticing online consumers: an extended technology acceptance perspective。Information & Management，39(8)，705-719。  new window
18.Davis, Fred D.、Bagozzi, Richard P.、Warshaw, Paul R.(1989)。User acceptance of computer technology: A comparison of two theoretical models。Management Science，35(8)，982-1003。  new window
19.Tornatzky, L. G.、Klein, K. J.(1982)。Innovation Characteristics and Innovation Adoption-implementation: A Meta-analysis of Findings。IEEE Transactions on Engineering Management，29(1)，28-45。  new window
20.Wu, J. H.、Wang, S. C.(2005)。What Drives Mobile Commerce? An Empirical Evaluation of the Revised Technology Acceptance Model。Information and Management，42，719-729。  new window
21.Luarn, P.、Lin, H. H.(2004)。Toward an Understanding of the Behavioral Intention to Use Mobile Banking。Computers in Human Behavior，21(6)，873-891。  new window
22.Moore, G. C.、Benbasat, I.(1991)。Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation。Information Systems Research，2(3)，192-222。  new window
23.Venkatesh, V.、Davis, F. D.(2000)。A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies。Management Science，46(2)，186-204。  new window
24.Premkumar, G.、Bhattacherjee, Anol(2008)。Explaining Information Technology Usage: A Test of Competing Models。Omega，36(1)，64-75。  new window
25.Wu, I. L.、Chen, J. L.(2005)。An extension of Trust and TAM model with TPB in the initial adoption of on-line tax: An empirical study。International Journal of Human-Computer Studies，62(6)，784-808。  new window
會議論文
1.張幸惠。多重支付工具共存之市場：通貨、電子現金與信用卡。2003電子商務與數位生活研討會，1831-1846。  延伸查詢new window
2.Dahlberg, T.、Oorni Anssi(2007)。Understanding Changes in Consumer Payment Habits - Do Mobile Payments Attract Consumers?。HICSS '07 Proceedings of the 40th Annual Hawaii International Conference on System Sciences。Helsinki School of Economics。  new window
學位論文
1.Hsiao, C. H.、Hung, Y. C.(2004)。The Study of Behavior Intention to Accept Mobile Commerce in Technology Acceptance Model(碩士論文)。Tatung University。  new window
2.Davis, Fred D.(1986)。A technology acceptance model for empirically testing new end-user information systems: Theory and result(博士論文)。Massachusetts Institute of Technology。  new window
圖書
1.Rogers, E. M.(1995)。Diffusion of Innovations。New York：Free Press。  new window
2.Nunnally, J. C.(1978)。Psychometric Theory。New York, NY：McGraw-Hill。  new window
3.Fishbein, M.、Ajzen, I.(1975)。Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research Reading。New Jersey：MA：Boston, MA.：Addison-Wesley：Addison-Wesley：Addison-Wesley。  new window
4.邵曉薇、郭雨涵(2000)。EC電子商務概論。臺北：旗標出版股份有限公司。  延伸查詢new window
 
 
 
 
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