隨著科技的進步，應用程式的多樣化豐富了行動服務的潛力。行動支付旨在提高貨幣交易的效率和便利性，並伴隨著一些好處，像是促進與日常生活相關的經濟活動，然而，這項服務也有可能導致隱私洩漏或財務損失等隱憂。這項研究透過感知風險、促銷、亞文化吸引力、個人創新和網絡犯罪經驗等構面，調查對於使用行動支付服務的態度和意圖的影響，實證數據分別是從台灣和中國大陸的智慧手機使用用戶中收集。在這項研究中，衡量構面的水平，檢驗其因果關係，比較台灣和中國大陸的調查結果之間的差異，並且考察受訪者的網絡犯罪經驗在感知風險與態度之間的調節作用，最後，從結果中得出一些能提升行動支付接受度的實用建議，提供給行動支付運營商和相關主管機構參考。
這項研究中的實證數據是使用在線問卷進行便利抽樣所取得，在台灣和中國大陸分別回收了340份與312份有效問卷。ANOVA分析結果表明，年輕、學生和了解行動支付的受訪者更有意願使用行動支付的服務；所有構面在探索性因素分析中顯示出良好的部分相關性，在驗證性因素分析中顯示出良好的判別效度和收斂效度，在結構方程模型的結果中，發現態度對意圖有正向的影響，感知風險對態度有負向影響，促銷對態度有正向影響，個人創新對態度有正向影響，網絡犯罪經驗對態度有負向影響；但是，在分析結果中發現亞文化吸引力和態度之間的聯繫並不顯著；此外，發現網絡犯罪經驗對感知風險和態度之間的關係具有調節作用。
整體而言，這項研究為現有文獻增加一些具體的貢獻。在先前文獻中忽略了網絡犯罪經驗對於引起恐懼和減少使用IT服務意圖方面的作用，然而在這項研究中表明，網絡犯罪經驗對受訪者使用行動支付服務的態度具有顯著且負向的影響；這項研究還比較並發現了台灣和中國大陸受訪者對於行動支付服務相關的消費前評估有關係上的差異，這可以有效區別發展中市場和成熟市場的差異；最後，發現網絡犯罪經驗作為調節變數對感知風險與態度之間的關係具有顯著的調節作用，這意味著網絡犯罪體驗可以抑制感知風險與使用行動支付服務的態度之間的負面關係，因此，往後行動支付服務提供者需考慮上述因子的影響，以此吸引消費者者對其所推出的應用，以增加其服務之使用率。

Along with advances in technology, the diversification of applications has enriched the potential of mobile services. Mobile payment is designed to improve the efficiency and convenience of monetary transactions with the benefits of environmental protection and the energizing of economic activities associated with daily life. However, it also leads to specific concerns related to privacy leakage and financial losses. This study investigates the factors influencing attitudes and intention toward use of mobile payment service with the constructs of perceived risk, promotion, subculture appeal, personal innovativeness, and cybercrime experience. The empirical data are collected from mobile subscribers with smartphones in Taiwan and in Mainland China. The levels of the constructs are measured and their causal relationships are examined. The differences between the results in Taiwan and Mainland China are compared, and the moderating roles of cybercrime experience on the linkage of perceived risk to attitude are examined. Finally, some practical suggestions to enhance the level of acceptance toward mobile payment drawn from the results are provided to mobile payment operators and other interested authorities.
Empirical data were obtained using convenience sampling accompanying an online questionnaire. There were 351 responses (340 usable questionnaires) in Taiwan and 352 responses (312 usable questionnaires) in Mainland China. The significant ANOVA differences among all the constructs reveal that the respondents who were young, students, and had knowledge about mobile payment had higher intention toward use of mobile payment services. The constructs demonstrated good partial correlations in the exploratory factor analysis and good discriminant and convergent validity in the confirmatory factor analysis. In the structural equation modeling results, it was found that attitude has a positive effect on intention; perceived risk has a negative effect on attitude; promotion has a positive effect on attitude; personal innovativeness has a positive effect on attitude, and cybercrime experience has a negative effect on attitude. However, the linkage between subculture appeal and attitude was found to be non-significant. Further, cybercrime experience was found to have a moderating effect on the relationship between perceived risk and attitude.
To summarize, this study adds several specific contributions to the existing literature. Despite the fact that the literature ignores the role of cybercrime experience in causing fear and reducing intention to use IT services, this study shows that cybercrime experience has a significant and negative impact on respondents’ attitudes toward use of mobile payment services. This study also compared and found the differences in the perceptions and relationships among current pre-consumption evaluations related to mobile payment services between the respondents in Taiwan and those in Mainland China, which could be respectively viewed as a developing market and a mature market. Last, cybercrime experience as a moderator variable was found to have a significant moderating effect on the linkage between perceived risk and attitude, implying that cybercrime experience dampens the negative relationship between perceived risk and attitude toward use of mobile payment services.

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