隨著行動網路盛行，行動商務紛紛崛起，其中，行動支付被認為是具有高度發展性的服務之一。然而相較鄰近的亞洲國家，行動支付在台灣的推廣相對緩慢，資策會2019年《行動支付消費者調查》中指出，令消費者曾經取消或停止使用行動支付的首要原因為「店家不普遍」。有鑑於此，本研究欲從店家的角度出發，透過問卷調查的方式，探討哪些因素會影響店家使用行動支付裝置做為交易工具的意願。
本研究以台南重要商圈中已使用行動支付裝置的店家為研究對象，參考多篇行動支付相關文獻與店家初訪資料，完成本研究的模型建構與問卷設計。透過因素分析法與Ordered Probit統計方法對有效樣本進行數據分析，實證結果發現感知有用性、感知易用性、消費者意願與市場競爭四項因素對於店家使用行動支付裝置的影響皆是正向且顯著的，而感知風險與成本、供應商間接利益、供應商特質、政府推廣則無顯著的效果。
根據研究結果，我們提供政府與行動支付業者有效的政策或誘因建議，希望能夠幫助政府與行動支付業者在制定行動支付的推廣策略時，得以更有效率地拓展台灣的行動支付店家市場，進而提升店家行動支付裝置的普及率。

The Survey from Institute for Information Industry (2019) finds the main reason consumers stop using the mobile payment devices is that “the mobile payment devices are not commonly installed in stores.” This paper focuses to investigate the stores, and we use survey to examine what factors affect store’s willingness to adopt mobile payment devices. Our samples cover some important business districts in Tainan city. Firstly, we interviewed several stores, and which provided us some useful information for constructing the empirical model and designing survey questions.
Based on the analysis of principal-component factor, and ordered probit model, our empirical results find perceived usefulness, perceived ease of use, the adoption of consumers, and the compatibility are positively associated with store’s willingness to adopt mobile payment devices. However, there is no significant evidence between perceived cost, the indirect interest of service providers, the character of service providers, the promotion of the government and store’s willingness to adopt mobile payment devices. In our paper, we provide government and business of mobile payment devices some suggestions and incentives, which are expected to increase the percentage of store’s adopting mobile payment devices.

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網路資料
台灣金融研訓院（2017），《電付模式混亂，亟需標準化》。
網址: https://www.tabf.org.tw/ResearchNewsDetail.aspx?RID=1002
金融監督管理委員會（2019），《108年信用卡、現金卡、電子票證及電子支付機構業務資訊》。
網址:https://www.banking.gov.tw/ch/home.jsp?id=540&parentpath9
金融監督管理委員會（2019），《金融統計 自動化服務機器概況》。
網址：https://www.banking.gov.tw/ch/home.jsp
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網址：https://report.twnic.tw/2019/
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