隨著台灣行動支付選項日益多元，使用者在面對眾多選擇時，可能基於不同考量因素而更換並採用其他行動支付平台。本研究旨在探討影響行動支付使用者意圖從既有平台轉向替代平台之關鍵因素。本研究架構結合「推力-拉力-繫住力理論」與「期望確認理論」，以探討隱私顧慮、對替代平台網絡規模的感知、金錢獎勵，以及由期望確認與感知有用性所產生之滿意度為主要變項，探討其與使用者轉換意圖之間的關聯性。
本研究針對台灣375位行動支付使用者進行問卷調查以驗證相關研究假設。研究結果顯示，隱私顧慮與對替代平台網路規模的感知，對使用者的轉換意圖有正向影響。而既有平台所提供之金錢獎勵，以及基於期望確認與感知有用性所形成的滿意度，則對轉換意圖產生負向影響。
本研究結果有助於理解台灣行動支付市場中使用者行為的轉換行為，亦可為行動支付平台業者及相關利害關係人提供策略性建議。

In Taiwan, with the rapid growth of mobile payment options, users are overwhelmed by choices and may consider switching to adopt alternative platforms based on different factors. This study intends to discover the factors influencing mobile payment users’ intentions of switching from their incumbent platforms to adopt alternative options. Grounded by the Push-Pull-Mooring (PPM) framework and Expectation Confirmation Model (ECM), a research framework is developed to investigate the relationships among privacy concerns, the perceived network size of alternatives, monetary rewards, satisfaction with antecedents of expectation confirmation and perceived usefulness, and switching intention. A quantitative survey with responses obtained from 375 mobile payment users across Taiwan was utilized to test the hypotheses in this research. The analysis reveals that privacy concerns and the perceived network size of alternatives positively influence the users’ intentions to start to use alternative mobile payment services. Furthermore, monetary rewards provided by the incumbent mobile payment platforms and the satisfaction derived from expectation confirmation and perceived usefulness of the current mobile payment service are associated with a lower likelihood of switching. These findings offer the providers of mobile payments insights within the competitive market. This study enhances the understanding of mobile payment in Taiwan and offers strategic implications for stakeholders in the industry.

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