金融科技在近年來一直是被深入探討的議題，其涵蓋領域相當廣泛，諸如傳統銀行的業務都能見其蹤影，舉凡支付、投資、融資、保險、投資顧問等都逐漸出現新興的挑戰者公司，侵蝕傳統銀行的獲利。而就在2021年4月更有純網銀「LINE Bank」開始正式營運，為台灣的金融科技發展進程再立下新的里程碑。行動支付在所有的金融科技領域中是最容易也是門檻最低的業務，在過去的十年以來我們也可以看到市面上大部分的服務提供業者並非傳統銀行，相反的是一些本業並非金融的公司。而這些公司的表現，從獲利或是市占的角度評估都向我們展示了並非只有銀行能夠提供較好的業務。目前提供行動支付服務的公司，截至2021年2月台灣共有5家專營機構及23家兼營機構。然而以通訊軟體起家的「LINE Pay」市占率卻有著顯著性的差異，為本研究提供了研究方向。
本研究認為「LINE Pay」之成功關鍵因素在於其通訊軟體本身之特性，強化其在創新推廣的初期，能夠為其帶來討論及話題性，進而引起從眾行為，並快速達成關鍵多數，造就其在行動支付領域難以被撼動的地位。本研究以問卷調查法方式，於Facebook、LINE、PTT之社團、群組、討論版中發放問卷，總計共回收928份問卷，在扣除填答邏輯不一致及重複填答之無效問卷後，總計共800份問卷，另外再扣除非受測對象後，總計共560份有效問卷進行分析研究。
研究結果顯示，規範性社會影響正向影響認知有用性、資訊性社會影響正向影響認知有用性、認知易用性正向影響認知有用性、認知有用性及認知易用性正向影響使用意圖，且認知有用性於規範性社會影響及使用意圖間存在「部分中介」效果、認知有用性於資訊性社會影響及使用意圖間存在「完全中介」效果，並據此提出未來研究方向之改善與建議。

As of February 2021, there are 28 mobile payment providers in Taiwan. The most eye-catching one, LINE Pay, started with communication software, LINE, has already shown great success, providing a research direction to this study. The aim of this study is to identify whether social influence plays a key role in mobile payment services. This study proposed an extended TAM model which considers social influence as external variables. 560 valid data are used to do simple regression analysis and the results showed that(1) both Normative Social Influence and Informative Social Influence have positive effects toward Perceived Usefulness but (2) the positive effects of Normative Social Influence and Informative Social Influence toward Perceived Usefulness are not significant. (3) Both Perceived Usefulness and Perceived Ease of Use have positive effects toward Usage Intention and (4) the mediation effect of Perceived Usefulness is significant. However, (5) the moderating effect of Perceived Critical Mass is not significant.

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