隨者技術進步，新科技漸漸地在改變消費者的生活型態。在行動裝置科技的進步下，智慧型手機成為人們生活中不可或缺的必需品。在行動商務的發展下，人們試者將錢包、實體信用卡置入至行動裝置中，使消費者能夠不攜帶實體貨幣或信用卡即可完成消費交易。近幾年來，台灣的行動支付商百家爭鳴，從國際知名品牌如Apple Pay, LINE Pay到本土品牌如街口支付、歐付寶等企業進入台灣市場競爭。各家企業透過整合行動裝置與合作商家，希望讓行動支付在台使用能提升消費者之交易效率。而根據資策會(2017)調查台灣民眾仍有七成以現金與信用卡為主要之交易方式，行動支付使用率仍偏低。因此，希望透過本研究探討影響台灣民眾對行動支付使用意願之因素，以協助提升推廣行動支付並使其於台灣普及。本研究以科技接受模型為研究架構，並加入知覺相容性、知覺信賴性與主流規範來擴展模型，以多方角度來深入探討影響消費者之因素。此外，加入數位原生與數位移民作為調節變數，透過分析結果以提出相關之建議予行動支付商，協助推動行動支付之普及。
研究結果發現，知覺相容性、知覺有效性、知覺易用性、知覺信賴性與主流規範皆與使用態度有顯著影響。而使用態度具有完全中介效果，因此在提升消費者對行動支付之使用意願中扮演一個重要的角色。在調節效果部分，研究結果發現數位身分具有調節效果，且數位移民較數位原生之調節效果強。因此，行動支付商可針對上述結果進行策略制定，且針對40歲以上之族群之需求留意。當滿足數位移民之需求時，其使用意願會較數位原生增加更多。

As technology advanced, the new technology gradually change the way of people live in the daily life. Because of the mobile device advanced, smartphone becomes indispensable objects in our daily life. Mobile payment is the new transaction way which binds the credit card or bank account in the mobile device. Therefore, people can purchase products or service without wallet and also be more convenient. In recent years, more and more mobile payment firms been entered into Taiwan. Each firms are dedicated to integrating mobile device and stores to make sure that their mobile payment can improve the efficiency in transaction. According to MIC (2017), people still use cash and credit card as their major payment method (70%), and the use of mobile payment still low. Hence, the purpose of the study is to explore the factors influencing the Taiwanese people’s willingness to use mobile payment. In research method, we use SEM to analyse the data collected by questionnaire. The result of this study has three major discoveries. First, perceived compatibility, perceived usefulness, perceived ease of use, perceived credibility and subjective norms do affect attitude toward using mobile payment. Second, attitude toward using mobile payment plays an important role in enhancing people intention to sue mobile payment. Third, digital identification has moderating effect and digital immigrants have stronger effect than the natives. Above all, this study provides the factors the consumers care and let the mobile payment firm to plan the specific strategy to satisfy people need so that can promote Taiwanese to sue mobile payment.

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