智慧型行動裝置持有率提高與技術進步，使人們試著將實體卡片、現金等交易功能，整合於行動裝置中，而造就行動支付的發展。近幾年，台灣的行動支付業者透過發展多種支付模式與合作店家，希望讓交易過程更加方便迅速。
目前台灣消費者對行動支付認知提升，使用比例增加，代表行動支付在台灣具發展潛力，本研究以科技接受模型探討台灣消費者使用行動支付的行為意圖，為了解何種因素影響消費者對行動支付的行為意圖而加入個人創新性作為個人變數與知覺娛樂性作為內在動機進行探討。
本研究使用發放網路問卷的形式調查，持有智慧型行動裝置之台灣消費者為研究對象，進行行動支付的資料蒐集，以SmartPLS 3.0對366份有效問卷進行資料分析。結果發現，個人創新性對消費者使用行動支付之知覺有用、易用與娛樂性有正向影響；知覺有用、易用與娛樂性對行為態度造成影響；行為態度影響行為意圖；知覺娛樂性，相較於知覺有用、易用會對行為態度有較大的中介效果。
本研究對行動支付業者或政府機關在推廣行動支付使用普及化，提供相關建議，簡化申請流程與修正操作介面，以降低繁雜手續的不愉快；提高使用行動支付的附加價值，增加使用上的樂趣，使消費者使用行動支付意願增高；研擬完善交易機制，以防堵盜刷問題頻傳，降低消費者對行動支付的不安全感。

With the advance of mobile devices and information technology, individuals try to integrate credit card and cash into mobile devices, which promotes the mobile payment. Mobile payment providers develop many payment methods and look for partnership with stores to enhance the efficiency of transaction process mechanism in recent years in Taiwan. Nowadays, Taiwanese consumers gradually recognize mobile payment, and their usage rate indicates the potential development of mobile payment in Taiwan. This study extends technology accept model with two constructs, in which the personal innovation and perceived enjoyment are used to investigate the individuals’ tendency to use mobile payment in Taiwan. The mediation analysis using SmartPLS 3.0 is performed to analyze the data collected from 366 respondents. The results indicate that the perceived enjoyment has more mediator effects than the other constructs. According the results, some management implications are considered to motivate and encourage individuals to adopt the mobile payment.

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