隨著國際金融數位化浪潮的侵襲，金管會從 2015 年開始打造數位金融環 境(Bank 3.0)，其中，行動支付又是受到全球廣泛關注的一個具有發展潛力的行 動商務領域，況且，行動支付議題是台灣邁向數位國家、創新經濟的重要關鍵 之一，因此普及行動支付的應用是重要的一環，進而開放《電子支付機構管理 條例》法規，而透過法律規範的鬆綁，才使得金融業者與非金融業者能夠加入 行動支付的領域，希望能夠為行動支付市場注入動能，並促進行動支付的發展， 再加上我國智慧型手機的高普及率，也為發展行動支付建立一個良好的基礎。 根據資策會產業情報研究所(2018)執行「行動支付大調查」發現行民眾使用動 支付的比例為(13.7%)與去年的(4.8%)相比有一定程度的成長，顯示消費者對 於使用行動支付也抱持正向的態度。根據 VISA 公司 2017 年的未來支付調查 顯示，多數消費者使用行動支付的場域為實體通路，像是便利商店、大賣場、 餐廳等。因此本研究試圖探討消費者在實體通路對於行動支付的使用意願，了 解到消費者可能因著什麼因素而減少或增加使用行動支付，並透過分析研究結 果建議行動支付業者未來改善服務的方法。
本研究之樣本以網路問卷的方式，將問卷發放於社群網站 Facebook 及行 動支付相關論壇等管道統一收集;共計回收了 549 份問卷，其中有效問卷為 539 份。並以敘述性統計分析、因素與信度分析與迴歸分析等方法進行分析並驗證 研究假設，研究結果發現: 一、消費者使用行動支付的知覺有用性會顯著正向影響使用態度。 二、消費者使用行動支付的知覺易用性會顯著正向影響使用態度。 三、消費者使用行動支付的知覺易用性會顯著正向影響知覺有用性。 四、消費者對於行動支付的使用態度會顯著正向影響使用意願。 五、知覺風險在使用態度與使用意願之間不具有顯著的調節效果。

With the new dynamics of financial globalization, the Financial Supervisory Commission began to create a digital financial environment (Bank 3.0) in 2015.
One promising area of m-commerce which is receiving a great deal of attention globally is mobile payment. The issue of mobile payment is one of the keys for Taiwan to become a digitized country. Popularizing the application of mobile payment is an important part for Bank 3.0. In order to promote the development of mobile payments, the Financial Supervisory Commission has released the rules and regulations, such as The Act Governing Electronic Payment Institutions which cleared the Legislature on January.
According to MIC (2018), the proportion of people using mobile payment is 13.7%, which is 8.9% more than the previous year. The result shows the consumers are with higher levels of confidence and more positive about using mobile payment. According to VISA's future payment survey in 2017, most consumers used mobile payment in physical channel, such as convenience stores, hypermarkets, and restaurants. In summary, this research aims to explore the consumers’ using intention for mobile payment in physical channels, and to understand the factors that consumers may reduce or increase the use of mobile payment. In this study, the sample was collected by online questionnaire, mainly through the community website (Facebook) and mobile payment forum of Taiwan. We received a total of 549 questionnaires, of which 539 were valid. After analyzing the samples, the verification results are as follows:
1. Perceived usefulness significantly positively affects attitude toward using.
2. Perceived ease of use significantly positively affects attitude toward using.
3. Perceived ease of use significantly positively affects perceived ease of use.
4. Attitude toward using significantly positive affects behavioral intention to use.
5. Perceived risk doesn’t have moderation effect between attitude toward using and behavioral intention to use.

翁世吉、田育任 (民 103)，「支付應用發展趨勢」，《財金資訊季刊》，第78期，19-20.
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