臺灣博碩士論文加值系統

過去研究探討行動支付使用態度之前因及中介變數不多，本研究主要針對知覺易用性、感染風險認知與自我效能等變數探討其對於使用態度的影響，以知覺有用性為中介變數，在選擇實證樣本時，以全台灣之台電用戶做為研究對象。
本研究共收回407份有效問卷，利用迴歸分析，研究之結果分述如下：(1) 知覺有用性正向影響使用態度；(2) 知覺易用性透過知覺有用性正向影響使用態度； (3) 感染風險認知透過知覺有用性正向影響使用態度；(4) 自我效能透過知覺有用性正向影響使用態度；(5) 自我效能對知覺易用性有正向影響。並依據本研究之結果，提出相關建議供台電業者參考。

Over the past years, few studies have focused on the antecedents and intermediate variables that explored the usage attitude of mobile payment. This study focuses on the influence of perceived ease of use, awareness of infection risk and self-efficacy on the Usage Attitude. Perceived usefulness is used as a mediator variable. This study targets Taipower users in Taiwan as empirical samples.
A total of 407 valid questionnaires were retrieved in this study. Using regression analysis, the results are as follows: (1) perceived usefulness positively affects the usage Attitude; (2) perceived ease of use influences the usage Attitude through the perceived usefulness positively; (3) awareness of infection risk influences the usage Attitude through the perceived usefulness positively; (4) self-efficacy influences the usage Attitude through the perceived usefulness positively; (5) self-efficacy positively affects the perceived ease of use. Based on the research results, this study proposes relevant recommendations to Taiwan Power Company.

目錄 ---------------------------------------------- ⅰ
表目錄 ---------------------------------------------- ⅱ
圖目錄 ---------------------------------------------- iii
第一章 緒論------------------------------------------ 1
第一節 研究背景----------------------------------- 1
第二節 研究動機----------------------------------- 3
第二節 研究目的----------------------------------- 6
第二節 研究流程----------------------------------- 7
第二章 文獻探討----------------------------------- 8
第一節 行動支付----------------------------------- 8
第二節 科技接受模式------------------------------- 12
第三節 感染風險認知------------------------------- 21
第四節 自我效能----------------------------------- 25
第三章 研究方法----------------------------------- 30
第一節 研究架構----------------------------------- 30
第二節 研究變項操作型定義與衡量方式--------------- 30
一、 使用態度----------------------------------- 31
二、 知覺有用性--------------------------------- 31
三、 知覺易用性--------------------------------- 32
四、 感染風險認知------------------------------- 33
五、 自我效能----------------------------------- 34
第三節 問卷設計----------------------------------- 35
第四節 研究方法----------------------------------- 35
一、 研究範圍與對象----------------------------- 35
二、 問卷前測----------------------------------- 35
三、 抽樣方法及樣本數--------------------------- 36
第四章 研究分析與結果-------------------------------------------- 37
第一節 敘述性統計分析---------------------------------- 37
第二節 信度分析---------------------------------------- 38
第三節 各變數間之相關係數分析-------------------------- 42
第四節 各變數與人口統計變項的差異性分析------------------ 43
第五節 中介及主效果之驗證------------------------------ 44
第六節 假設結果檢定------------------------------------ 47
第五章 結論與建議------------------------------------------------ 48
第一節 研究結論---------------------------------------- 48
第二節 研究理論貢獻與實務管理意涵---------------------- 49
第三節 研究限制與建議---------------------------------- 53
參考文獻 ---------------------------------------------------------- 54
一、中文部分 -------------------------------------------------- 54
二、英文部分 -------------------------------------------------- 59
三、網路資料 -------------------------------------------------- 67
附錄 ---------------------------------------------------------- 69

表目錄
表3-1 使用態度之量表----------------------------------------31
表3-2 知覺有用性之量表--------------------------------------32
表3-3 知覺易用性之量表--------------------------------------33
表3-4 感染風險認知之量表------------------------------------33
表3-5 自我效能之量表----------------------------------------34
表4-1 基本背景資料百分比次數分配表---------------------------37
表4-2 使用態度之信度分析表----------------------------------38
表4-3 知覺有用性之信度分析表--------------------------------39
表4-4 知覺易用性之信度分析表--------------------------------39
表4-5 感染風險認知之信度分析表------------------------------40
表4-6 自我效能之信度分析表----------------------------------41
表4-7 各變數平均數與標準差----------------------------------42
表4-8 各變數之相關係數表------------------------------------42
表4-9 不同年齡層對各變數之差異分析表-------------------------43
表4-10 研究假設分析檢驗結果彙整表----------------------------47

圖目錄
圖1-1 研究流程圖----------------------------------------------------7
圖2-1 TAM模式圖----------------------------------------------------13
圖3-1 研究架構圖---------------------------------------------------30
圖4-1 知覺易用性透過知覺有用性對使用態度的影響------------------------45
圖4-2 感染風險認知透過知覺有用性對使用態度的影響----------------------46
圖4-3 自我效能透過知覺有用性對使用態度的影響--------------------------46

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