應用決策實驗室分析法探討離島地區居民使用行動支付服務關鍵因素

Using the DEMATEL Method to Exploring the Key Factors of Using the Mobile Payment Service by Outlying Island Residents

金門位於離島地區，對新興的行動支付服務使用能力與意願可能不及台灣本島，本研究探討影響離島地區民眾使用行動支付服務之考量因素，經由文獻探討及DEMATEL決策實驗室分析法找出評選準則之間的因果關係，討論影響行動支付服務的使用意願並提出改善建議。根據文獻探討歸納出便利性、安全性、使用誘因三項主準則及十三項次準則。透過實體問卷方式發放給予有接觸過行動支付服務或者對其感興趣的金門地區民眾填寫，總共回收有效問卷120份。研究結果顯示：便利性、支援率普及、用戶個資及嘗鮮價值等準則的影響程度相較其他準則大，其中便利性因素是最優先影響消費者的準則，其次為用戶個資與嘗鮮價值等準則，而使用誘因、介面友善、額度限制以及順應群體等準則相對影響程度不大。未來在推行行動支付服務時，便利性因素可作為相關業者之關鍵參考因素。

Kinmen is located in the outlying islands, and its ability and willingness to use emerging mobile payment services may not be as good as those of Taiwan. This study explores the factors that affect the use of mobile payment services in outlying islands, finds out the causal relationship between the selection criteria through literature research and DEMATEL decision laboratory analysis, discusses the willingness to use mobile payment services and puts forward improvement suggestions. According to the literature review, three main criteria and 13 sub-criteria of convenience, safety and use incentives are summarized. Through physical questionnaires, it was distributed to people in Kinmen who have been in contact with mobile payment services or who are interested in them to fill in, and a total of 120 valid questionnaires were recovered. The research results show that criteria such as convenience, popularity of support rate, user personal information and early adopter value have a greater influence than other criteria. Among them, convenience factor is the most important criterion to affect consumers, and criteria such as user personal information and early adopter value are the most important criteria. It is second only, and the criteria such as usage incentives, user-friendly interface, quota limit, and compliance with groups have relatively little influence. In the future, when implementing mobile payment services, the convenience factor can be a key reference factor for relevant industry.