台灣消費者對於行動支付使用程度之研究

Research on the Use of Mobile Payment by Taiwanese Consumers

在資訊科技及網際網路的蓬勃發展下，人們的生活習性也受到重大的改變，交易模式從非金錢交換、商品貨幣、紙幣到至今的無現金化交易。近年來無現金化交易與電子錢包已經快速地出現於生活中，現在可以直接綁定於行動裝置，不需要帶著一張張的卡片，怕有遺失或忘記帶的困擾；隨身攜帶的智慧型裝置也可以取代錢包，到便利商店繳費或到指定的店家購買商品，結帳時只要打開手機、平板等行動裝置就能輕鬆完成付款行為，免除零錢和商品同時要拿取的困擾。而以政府的立場來看，推廣行動支付不僅使地下經濟的問題減少，還可以幫助國庫增加營業稅收等。因應行動支付之未來發展越趨逐漸普及化，應積極推廣使用，以下針對未來行動支付的發展方向給予建議：1.在有使用過行動支付的受訪者中，電子支付、電子票證及第三方支付分別有40.1%、30.6%和36.3%的人覺得行動支付使用上較方便，但對於個人資料的安全性是充滿疑慮的。例如：不甚遺失手機等電子載具，被他人盜用之疑慮。2.根據問卷結果發現，在電子支付及第三方支付中就有超過一半的受訪者沒有使用過，分別為50.1%及60%，進一步了解不使用的原因包括不知道如何使用或沒聽說過其行動支付，顯示出政府對於推廣行動支付還不夠普及化。例如：使用行動支付的族群為年輕人為主，而老年人使用普及率不高。3.沒有使用過行動支付的受訪者總共有31位，其中有38.7%的人們若行動支付增加配合的通路，將會增加使用的意願，可以聯想到雖然各種行動支付的出現，但如果能融入民眾日常生活中的場所(例如:菜市場、各種街邊小吃等)，將會使大眾的生活更加便利。

"With the vigorous development of information technology and the Internet, people's livinghabits have also undergone major changes. The transaction mode has changed from non-monetary exchange, commodity currency, paper currency to cashless transactions so far. In recent years, cashless transactions and electronic wallets have quickly appeared in life. Now they can be directly bound to mobile devices, without the need to carry cards, for fear of loss or forgetting; smart type to carry with you the device can also replace the wallet, pay at a convenience store or purchase goods at a designated store. You can easily complete the payment by turning on your mobile device such as a mobile phone or tablet during checkout, eliminating the trouble of getting change and goods at the same time. From the standpoint of the government, the promotion of action payments not only reduces the problems of the underground economy, but also helps the state treasury to increase business taxes. As the future development of mobile payment becomes more and more popular, it should be actively promoted. The following suggestions are given for the development direction of mobile payment in the future: 1. Among the respondents who have used mobile payment, 40.1%, 30.6% and 36.3% of e-payment, e-ticket and third-party payment respectively find mobile payment more convenient to use, but for the safety of personal data, it is full of misgivings. For example: Do not lose a lot of mobile phones and other electronic vehicles, or be misappropriated by others.2. According to the results of questionnaires, more than half of the respondents in electronic payment and third-party payment have not used it, 50.1% and 60% respectively. Further understanding of the reasons for not using it includes not knowing how to use it or not using it. I have heard of its mobile payment, which shows that the government is not popular enough to promote mobile payment. For example, the population using mobile payment is mainly young people, while the penetration rate of the elderly is not high.3. There are a total of 31 respondents who have not used mobile payment. Among them, 38.7%of them will increase their willingness to use mobile payment if they increase their cooperative channels. It can be associated with the emergence of various mobile payments, but if they can Places integrated into people's daily life (such as: vegetable markets, various street foods, etc.) will make people's lives more convenient."