疫情來了，你行動支付了沒？

Do You Use Mobile Payment while the Epidemic Coming?

在全球商業社會行動支付持續被廣泛應用，但各國應用步調並不一致。由於此科技可促進與實現金融普及化，對於行動支付使用率低的新興經濟體而言，是件特別需關注的課題。本研究為能協助政府制訂適當行動支付相關法令與配套措施，調查與分析影響民眾於疫情期間的使用滿意和後疫情續用意圖的決定因素。由於台灣社會行動支付發展，政府並未出面主導與統合，致使行動支付業者百花齊放、服務參差不齊，此提供我們一個適當研究課題。在期望價值理論架構下，我們考慮使用者對新科技的正面和反面看法建構本研究模型。其次，透過對創新用途的理解，利用科技賦能和限制理論完善本研究模型。再者，我們收集151位有效的台灣民眾問卷樣本進行模型分析。研究結果顯示知覺便利與科技知識對台灣民眾疫情期間的使用滿意有顯著的影響，而僅有科技知識與使用滿意對後疫情續用意圖的影響顯著。這些發現顯示消費者對於行動支付的科技知識，行動支付的操作使用便利性，對於後疫情行動支付普及化具有重要意義，進而可協助政府與業者透過各種政策與研發設計，以提升行動支付使用率，而達到普惠金融境界。

"Mobile payment technology continues to be widely used in global business and society, but its diffusion has not been consistent. It is a subject that needs special attention for our financial policy makers low mobile payment usage, because mobile payment can promote and enable financial inclusion. In this study, in order to assist government to create appropriate mobile payment-related laws or regulation, we analyze factors impacting users’ satisfaction during the epidemic and their intention to continue after the epidemic. Due to the development of mobile payment in Taiwan, we use the framework of expectancy-value theory first and consider users’ perceptions of both positive and negative attributes of the technology. Secondly, we use technology affordance and constraint theory to refine our model through an understanding of various innovative uses. Thirdly, we collected a valid sample of 151 to test the model. The finding shows that perceived convenience and knowledge have a significant impact on the satisfaction, while only knowledge and satisfaction have a significant impact on the intention to continue. These findings show that consumers’ knowledge in mobile payment and convenience are of great significance to the diffusion of post-epidemic. We can assist governments and industry to improve the use of mobile payment through policy-making to reach the realm of inclusive finance."