以Q方法探討行動支付阻礙認知類型之研究

Using Q Methodology to Explore Perceptions Types of Barriers o Mobile Payment

便利性及優惠是消費者的使用行動支付的主要動因，但其支援的銀行及合作店家不夠廣泛，以及支付程序繁瑣、不靈敏，有違原先追求快速便利的初衷。因此，本研究透過文獻探討歸納出使用者對行動支付發展阻礙的內涵及相關構面，並以Q方法進行分析探討數位支付可能的阻礙因素認知類型，以一般上班族及學生為研究對象，有效問卷共26份。最終研究結果歸納出三種內涵，包括：多慮不安型、缺乏需求型及習慣保守型。期望研究結果能夠帶給相關廠商改進或發展的基礎。 Convenience and concessions are the main inducements of consumer using mobilepayments. But the banks and cooperative stores they support are not extensive enough,and the payment procedures are cumbersome and insensitive, contrary to the originalintention of pursuing fast and convenient. Therefore, this study explores the connotationand related aspects of the user's obstacles to the development of mobile payment throughthe literature, and analyzes the cognitive types of possible obstacles in digital payment byQ method. It is effective for general office workers and students. A total of 26questionnaires were selected. The final research results summarize three connotations,including: uneasy, lack of demand and conservative habit. It is expected that the researchresults will bring the foundation for improvement or development of relevantmanufacturers.