隨著COVID-19病毒迅速傳播，並蔓延至全球，COVID-19病毒具有幾大特徵，包括傳染力強、具有無症狀感染者、容易引發重症。由於對可能觸摸到病毒感染的物體而被感染的恐懼，因此消費者將交易由傳統方式轉為行動支付模式(以儘量減少接觸)之可能性估計會增加。本研究以科技接受模型 (TAM) 為基礎，利用LINE Pay作為行動支付代表，加上消費者因對COVID-19的恐懼而對行動支付的採用有正向調節作用，並加入「主觀規範」及「感知風險」作為外部因素，探討影響消費者在COVID-19流行期間對行動支付採用的意圖之因素。
研究以問卷調查法進行資料的蒐集，並以曾使用過LINE Pay的消費者進行資料收集及探討，總計發放205份問卷，回收有效問卷187份。研究模型在探討相關因素對於消費者在疫情期間使用行動支付的意圖，是否會實際影響到行動支付的使用量，並以結構方程模式 (SEM) 檢驗研究模型與相關假說。統計分析發現「感知恐懼」對模型並沒有顯著影響。這表示疫情並沒有確實影響到消費者對於行動支付的看法。「感知有用性」對「採用意圖」有正向影響，但「感知易用性」和「感知風險」對「採用意圖」並無顯著影響。本研究除確認對疫情的恐懼並不是消費者更傾向使用行動支付作為付款工具的主要原因，但也發現行動支付經營者須提出優惠方案以顯示其有用性才能獲取更多消費者之採用。

As people are afraid of touching physical objects to avoid infection during the COVID-19 pandemic, mobile payment systems are replacing the traditional payment systems. This study develops a research model considering factors include “subjective norms”, “perceived ease of use”, “perceived usefulness”, and “perceived risk”, with fear as a moderating effect, and “subjective norm” and “perceived risk” as external factors, to explore the impact of these factors on consumers' intent of using mobile payment during the coronavirus pandemic. Questionnaire was distributed and collected with focus on the consumers who had experience with the adoption of LINE Pay. Structural equation modeling (SEM) was used to examine the related hypotheses and it is discovered that among all the factors studied, only “perceived usefulness” had a direct positive effect on “adoption intention”. However, “subjective norm” has impact on “perceived usefulness” and could have indirect effect on “adoption intention”. Fear, however, is not the main reason why consumers are more inclined to use mobile payment as a payment tool. Our research findings could provide mobile payment platform owners a reference for better business strategy.

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